FIRST CHARTER CORP /NC/
10-Q, EX-27.2, 2000-11-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FIRST CHARTER CORPORATION FOR THE QUARTER ENDED
SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          66,498
<INT-BEARING-DEPOSITS>                           5,404
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    506,669
<INVESTMENTS-CARRYING>                          37,462
<INVESTMENTS-MARKET>                            36,600
<LOANS>                                      1,899,019
<ALLOWANCE>                                     24,174
<TOTAL-ASSETS>                               2,593,136
<DEPOSITS>                                   1,797,924
<SHORT-TERM>                                   191,012
<LIABILITIES-OTHER>                             34,598
<LONG-TERM>                                    278,031
                                0
                                          0
<COMMON>                                       146,238
<OTHER-SE>                                     145,333
<TOTAL-LIABILITIES-AND-EQUITY>               2,593,136
<INTEREST-LOAN>                                120,395
<INTEREST-INVEST>                               22,954
<INTEREST-OTHER>                                   699
<INTEREST-TOTAL>                               144,048
<INTEREST-DEPOSIT>                              49,510
<INTEREST-EXPENSE>                              17,563
<INTEREST-INCOME-NET>                           76,975
<LOAN-LOSSES>                                    3,770
<SECURITIES-GAINS>                                 881
<EXPENSE-OTHER>                                 55,729
<INCOME-PRETAX>                                 40,080
<INCOME-PRE-EXTRAORDINARY>                      40,080
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    27,427
<EPS-BASIC>                                       0.87
<EPS-DILUTED>                                     0.86
<YIELD-ACTUAL>                                    4.32
<LOANS-NON>                                     11,302
<LOANS-PAST>                                     4,284
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                22,278
<CHARGE-OFFS>                                    2,161
<RECOVERIES>                                       656
<ALLOWANCE-CLOSE>                               24,174
<ALLOWANCE-DOMESTIC>                            24,174
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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