SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 4)
First Charter Corporation
(Name of Issuer)
$5.00 Par Value Common Stock
(Title of class of securities)
319439-10-5
(CUSIP Number)
Check the following box if a fee is being paid with this
statement: [ ]. (A fee is not required only if the filing
person: (1) has a previous statement on file reporting
beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment
subsequent thereto reporting beneficial ownership of five percent
or less of such class.) (See Rule 13d-7.)
The information required in the remainder of this cover page
shall not be deemed to be "filed" for the purpose of Section 18
of the Securities Exchange Act of 1934 ("Act") or otherwise
subject to the liabilities of that section of the Act, but shall
be subject to all other provisions of the Act.
<PAGE>
CUSIP No. 319439-10-5
_______________________________________________________________
1) Names of Reporting Persons/S. S. or I. R. S. Identifi-
cation Nos. of Above Persons:
First Charter National Bank, as Trustee
_____________________________________________________________
2) Check the Appropriate Box if a Member of a Group
(See Instructions):
(a)
(b)
_______________________________________________________________
3) SEC Use Only:
_______________________________________________________________
4) Citizenship or Place of Organization:
United States
_______________________________________________________________
Number of (5) Sole Voting Power: 624,796
Shares Bene-
ficially (6) Shared Voting Power: 76,165
Owned by
Each Report- (7) Sole Dispositive Power 49,056
ing Person
With (8) Shared Dispositive Power: 81,694
_______________________________________________________________
9) Aggregate Amount Beneficially Owned by Each Reporting
Person:
700,961
_______________________________________________________________
10) Check if the Aggregate Amount in Row (9) Excludes
Certain Shares (See Instructions):
_______________________________________________________________
11) Percent of Class Represented by Amount in Row 9:
15.1%
_______________________________________________________________
12) Type of Reporting Person (See Instructions):
BK
_______________________________________________________________
<PAGE>
SCHEDULE 13G
Item 1(a): Name of Issuer: First Charter Corporation
Item 1(b): Address of Issuer's Principal Executive Offices:
Post Office Box 228
22 Union Street, North
Concord, North Carolina 28026-0228
Item 2(a): Name of Person Filing: First Charter National
Bank, as Trustee
Item 2(b): Address of Principal Business Office or, if none,
Residence:
Post Office Box 228
22 Union Street, North
Concord, North Carolina 28026-0228
Item 2(c): Citizenship: U. S.
Item 2(d): Title of Class of Securities:
$5.00 Par Value per Share
Common Stock
Item 2(e): CUSIP Number: 319439-10-5
Item 3: (b) Bank as defined in Section 3(a)(6) of the Act
Item 4: Ownership:
(a) Amount beneficially owned
as of 12/31/94: 700,961
(b) Percent of Class: 15.1%
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the
vote: 624,796
(ii) Shared power to vote or to direct the
vote: 76,165
(iii) Sole power to dispose or to direct the
disposition of: 49,056
(iv) Shared power to dispose or to direct the
disposition of: 81,694
Item 5: Ownership of Five Percent or Less of a Class: N/A
<PAGE>
Item 6: Ownership of More than Five Percent on Behalf of
Another Person: Other persons, some of which are
beneficiaries, have the right to
receive or the power to direct the
receipt of dividends from, or the
proceeds from the sale of such
securities.
Item 7: Identification and Classification of the Subsidiary
Which Acquired the Security Being Reported on By the
Parent Holding Company: N/A
Item 8: Identification and Classification of Members of the
Group: N/A
Item 9: Notice of Dissolution of Group: N/A
Item 10: Certification: By signing below, I certify that, to the
best of my knowledge and belief, the
securities referred to above were
acquired in the ordinary course of
business and were not acquired for the
purpose of and do not have the effect of
changing or influencing the control of
First Charter Corporation and were not
acquired in connection with or as a
participant in any transaction having
such purposes or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
statement is true, complete and correct.
Date: February 14, 1995 FIRST CHARTER NATIONAL
BANK, as TRUSTEE
By: /s/ ROBERT O.BRATTON
Robert O. Bratton
Executive Vice President
of Trustee<PAGE>
