<ARTICLE>                                     9
<LEGEND>
FORM 10-Q
</LEGEND>
<CIK>                                0000708848
<NAME>                           FIRST CITIZENS
<MULTIPLIER>                              1,000
       
                                           
<FISCAL-YEAR-END>                   Dec-31-1998
<PERIOD-START>                      JAN-01-1998
<PERIOD-END>                        JUN-30-1998
<PERIOD-TYPE>                             3-MOS
<CASH>                                   96,354
<INT-BEARING-DEPOSITS>                        0
<FED-FUNDS-SOLD>                              0
<TRADING-ASSETS>                              0
<INVESTMENTS-HELD-FOR-SALE>              37,927
<INVESTMENTS-CARRYING>                  584,746
<INVESTMENTS-MARKET>                    624,158
<LOANS>                               1,506,088
<ALLOWANCE>                             (27,558)
<TOTAL-ASSETS>                        2,321,518
<DEPOSITS>                            1,905,413
<SHORT-TERM>                            177,806
<LIABILITIES-OTHER>                      15,014
<LONG-TERM>                              50,000
<COMMON>                                  4,641
<PREFERRED-MANDATORY>                         0
<PREFERRED>                               3,282
<OTHER-SE>                              161,362
<TOTAL-LIABILITIES-AND-EQUITY>        2,321,518
<INTEREST-LOAN>                          62,978
<INTEREST-INVEST>                        16,981
<INTEREST-OTHER>                          1,506
<INTEREST-TOTAL>                         81,465
<INTEREST-DEPOSIT>                       29,684
<INTEREST-EXPENSE>                       36,070
<INTEREST-INCOME-NET>                    45,395
<SECURITIES-GAINS>                           28
<LOAN-LOSSES>                             2,282
<EXPENSE-OTHER>                          38,658
<INCOME-PRETAX>                          18,372
<INCOME-PRE-EXTRAORDINARY>               18,372
<EXTRAORDINARY>                               0
<CHANGES>                                     0
<NET-INCOME>                             11,983
<EPS-PRIMARY>                             12.81
<EPS-DILUTED>                             12.81
<YIELD-ACTUAL>                             7.81
<LOANS-NON>                               2,700
<LOANS-PAST>                              1,728
<LOANS-TROUBLED>                             66
<LOANS-PROBLEM>                          20,088
<ALLOWANCE-OPEN>                         26,135
<CHARGE-OFFS>                             1,683
<RECOVERIES>                                824
<ALLOWANCE-CLOSE>                        27,558
<ALLOWANCE-DOMESTIC>                     27,558
<ALLOWANCE-FOREIGN>                           0
<ALLOWANCE-UNALLOCATED>                  10,524