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Previous: FIRST CITIZENS BANC CORP /OH, 10-Q, 2000-11-13 |
Next: ENCORE MEDICAL CORP, 10-Q, 2000-11-13 |
<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000944745
<NAME> FIRST CITIZENS BANC CORP
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 15,547,917
<INT-BEARING-DEPOSITS> 51,031
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 130,658,392
<INVESTMENTS-CARRYING> 366,308
<INVESTMENTS-MARKET> 366,428
<LOANS> 323,206,954
<ALLOWANCE> 4,331,126
<TOTAL-ASSETS> 486,137,922
<DEPOSITS> 402,355,136
<SHORT-TERM> 30,864,100
<LIABILITIES-OTHER> 2,593,651
<LONG-TERM> 1,542,106
0
0
<COMMON> 23,257,520
<OTHER-SE> 25,525,409
<TOTAL-LIABILITIES-AND-EQUITY> 486,137,922
<INTEREST-LOAN> 19,262,789
<INTEREST-INVEST> 5,842,110
<INTEREST-OTHER> 75,458
<INTEREST-TOTAL> 25,180,357
<INTEREST-DEPOSIT> 10,527,963
<INTEREST-EXPENSE> 11,458,145
<INTEREST-INCOME-NET> 13,722,212
<LOAN-LOSSES> 499,000
<SECURITIES-GAINS> (34,043)
<EXPENSE-OTHER> 11,440,801
<INCOME-PRETAX> 5,173,250
<INCOME-PRE-EXTRAORDINARY> 3,805,450
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,805,450
<EPS-BASIC> .93
<EPS-DILUTED> .93
<YIELD-ACTUAL> 3.87
<LOANS-NON> 558,000
<LOANS-PAST> 1,368,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,273,825
<CHARGE-OFFS> 644,353
<RECOVERIES> 202,654
<ALLOWANCE-CLOSE> 4,331,126
<ALLOWANCE-DOMESTIC> 4,331,126
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 932,808
</TABLE>
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