<ARTICLE> 9
<CIK> 0000708848
<NAME> FIRST CITIZENS
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          81,001
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<LOANS>                                      1,077,993
<ALLOWANCE>                                   (22,076)
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<DEPOSITS>                                   1,484,700
<SHORT-TERM>                                    82,032
<LIABILITIES-OTHER>                             12,860
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<COMMON>                                         4,718
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<OTHER-SE>                                      98,762
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<INTEREST-LOAN>                                 65,474
<INTEREST-INVEST>                               19,146
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<INTEREST-TOTAL>                                85,913
<INTEREST-DEPOSIT>                              35,318
<INTEREST-EXPENSE>                              39,395
<INTEREST-INCOME-NET>                           46,518
<LOAN-LOSSES>                                    3,187
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 46,852
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     7.83
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<YIELD-ACTUAL>                                    7.83
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<CHARGE-OFFS>                                    1,240
<RECOVERIES>                                       583
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<ALLOWANCE-DOMESTIC>                            22,076
<ALLOWANCE-FOREIGN>                                  0
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