FORM 10-Q

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                   QUARTERLY REPORT UNDER SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934



For the quarter ended September 30, 1999          Commission File Number 0-11172


              FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC.
              -----------------------------------------------------
             (Exact name of registrant as specified in its charter)

          SOUTH  CAROLINA                                 57-0738665
   --------------------------------           ----------------------------------
   (State or other jurisdiction of             (IRS Employer Identification No.)
    incorporation or organization)

            1230  MAIN  STREET
        COLUMBIA,  SOUTH  CAROLINA                            29201
--------------------------------------------------------------------------------
   (Address of principal executive offices)                (Zip  Code)

Registrant's telephone number, including area code  (803) 733-3456
                                                     -------------

                                   NO  CHANGE
--------------------------------------------------------------------------------
   (Former name, former address and former fiscal year, if changed since last
report.)

Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding  12  months  (or  for such shorter period that the Registrant was
required  to  file  such  reports),  and  (2)  has  been  subject to such filing
requirements  for  the  past  90  days.  YES  [ X ]   NO  [   ]

Indicate  the  number  of  shares outstanding of each of the issuer's classes of
common  stock,  as  of  the  latest  practicable  date.

              Class                             Outstanding at October 31, 1999
              -----                             -------------------------------
   VOTING COMMON STOCK, $5.00 PAR VALUE                906,305  SHARES
   NON-VOTING COMMON STOCK, $5.00 PAR VALUE             36,409  SHARES


<PAGE>
<TABLE>
<CAPTION>
FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA  AND  SUBSIDIARIES
-----------------------------------------------------------------------------------------------------------------

PART  I  -  FINANCIAL  INFORMATION
ITEM  1.  FINANCIAL  STATEMENTS

CONSOLIDATED  BALANCE  SHEETS  -  UNAUDITED  (DOLLARS  IN  THOUSANDS)


                                                                   SEPTEMBER 30,    December 31,    September 30,
                                                                       1999             1998            1998
                                                                  ---------------  --------------  ---------------
<S>                                                               <C>              <C>             <C>
ASSETS
Cash and due from banks                                           $      100,448   $     115,795   $      101,758

Investment securities:
  Held-to-maturity                                                        44,941         591,286          516,987
  Available-for-sale                                                     565,943          32,542           33,039
                                                                  ---------------  --------------  ---------------
Total securities                                                         610,884         623,828          550,026
Federal funds sold                                                        27,500          64,000           48,700
Gross loans                                                            1,798,532       1,573,069        1,538,328
  Less:  Reserve for loan losses                                         (32,401)        (28,306)         (28,147)
                                                                  ---------------  --------------  ---------------
Net loans                                                              1,766,131       1,544,763        1,510,181
Other real estate owned                                                      285             402              449
Other assets                                                             145,596         134,980          128,385
                                                                  ---------------  --------------  ---------------
     TOTAL ASSETS                                                 $    2,650,844   $   2,483,768   $    2,339,499
                                                                  ===============  ==============  ===============

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
  Demand                                                          $      384,424   $     354,239   $      346,148
  Time & Savings                                                       1,749,089       1,683,248        1,589,258
                                                                  ---------------  --------------  ---------------
Total deposits                                                         2,133,513       2,037,487        1,935,406
Securities sold under repurchase agreements                              254,350         204,702          166,619
Long-term debt                                                            50,963          50,000           50,000
Other liabilities                                                         15,533          17,404           17,877
                                                                  ---------------  --------------  ---------------
     TOTAL LIABILITIES                                                 2,454,359       2,309,593        2,169,902

Stockholders' Equity:
  Preferred stock                                                          3,282           3,282            3,282
  Non-voting common stock - $5.00 par value, authorized
    1,000,000; issued and outstanding September 30, 1999,
    December 31, 1998 and June 30, 1998 - 36,409                             182             182              182
  Voting common stock - $5.00 par value, authorized 2,000,000;
    issued and outstanding September 30, 1999 - 908,248
   December 31, 1998 - 885,275; and September 30, 1998 - 886,124           4,541           4,426            4,437
  Surplus                                                                 65,081          55,000           55,000
  Undivided profits                                                      117,462         102,888           97,992
  Accumulated other comprehensive income                                   5,937           8,397            8,704
                                                                  ---------------  --------------  ---------------
     TOTAL STOCKHOLDERS' EQUITY                                          196,485         174,175          169,597
                                                                  ---------------  --------------  ---------------
     TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                   $    2,650,844   $   2,483,768   $    2,339,499
                                                                  ===============  ==============  ===============
</TABLE>


                                     2
<PAGE>
<TABLE>
<CAPTION>

FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA  AND  SUBSIDIARIES


CONSOLIDATED  STATEMENTS  OF  INCOME  -  UNAUDITED
(DOLLARS  IN  THOUSANDS,  EXCEPT  FOR  PER  SHARE  AMOUNTS)


                                                   QUARTER ENDED               NINE MONTHS ENDED
                                                    SEPTEMBER 30,                 SEPTEMBER 30,
                                           ----------------------------  ----------------------------
                                             1999      1998        %        1999      1998       %
                                           --------  ---------  -------  ---------  --------  -------
INTEREST INCOME AND FEES:
<S>                                        <C>       <C>        <C>      <C>        <C>       <C>
  Loans                                    $ 35,836  $ 33,169     8.04   $102,283   $ 96,147    6.38
  United States Government obligations        7,840     7,837     0.04     23,415     23,946   (2.22)
  Mortgage-backed securities                      6        12   (50.00)        23         44  (47.73)
  Tax-exempt securities                         357       370    (3.51)     1,023      1,210  (15.45)
  Other securities and federal funds sold       263       419   (37.23)     2,259      1,925   17.35
                                           --------  ---------           ---------  --------
                                             44,302    41,807     5.97    129,003    123,272    4.65
                                           --------  ---------           ---------  --------
INTEREST EXPENSE:
  Deposits                                   14,861    15,279    (2.74)    43,714     44,963   (2.78)
  Short-term borrowed funds                   2,989     2,312    29.28      8,692      7,191   20.87
  Long-term debt                              1,038     1,035     0.29      3,100      2,542   21.95
                                           --------  ---------           ---------  --------
                                             18,888    18,626     1.41     55,506     54,696    1.48
                                           --------  ---------           ---------  --------

Net interest income                          25,414    23,181     9.63     73,497     68,576    7.18
Provision for loan losses                     1,630     1,432    13.83      4,110      3,714   10.66
                                           --------  ---------           ---------  --------
Net interest income after
  provision for loan losses                  23,784    21,749     9.36     69,387     64,862    6.98
                                           --------  ---------           ---------  --------

NONINTEREST INCOME:
  Service charges on deposit accounts         5,011     4,222    18.69     13,735     12,111   13.41
  Fees for other customer services            2,898     2,566    12.94      8,046      7,303   10.17
  Gain on sale of securities                      0         0     0.00          8         28  (71.43)
  Other                                         610       545    11.93      2,168      1,808   19.91
                                           --------  ---------           ---------  --------
                                              8,519     7,333    16.17     23,957     21,250   12.74
                                           --------  ---------           ---------  --------
NONINTEREST EXPENSE:
  Salaries and employee benefits             10,127     9,127    10.96     30,483     26,795   13.76
  Net occupancy expense                         838       828     1.21      2,388      2,286    4.46
  Furniture and equipment expense               490       515    (4.85)     1,534      1,425    7.65
  Depreciation expense                        2,136     1,387    54.00      5,649      3,994   41.44
  Amortization of intangibles                 1,255     1,539   (18.45)     4,069      5,458  (25.45)
  Other                                       7,329     6,903     6.17     21,427     18,999   12.78
                                           --------  ---------           ---------  --------
                                             22,175    20,299     9.24     65,550     58,957   11.18
                                           --------  ---------           ---------  --------

Income before income taxes                   10,128     8,783    15.31     27,794     27,155    2.35
Income taxes                                  3,505     2,999    16.87      9,643      9,388    2.72
                                           --------  ---------           ---------  --------

NET INCOME                                 $  6,623  $  5,784    14.51   $ 18,151   $ 17,767    2.16
                                           ========  =========           =========  ========

=====================================================================================================
NET INCOME PER COMMON SHARE -
BASIC AND DILUTED                          $   7.15  $   6.20    15.32   $  19.59   $  19.01    3.05

WEIGHTED AVERAGE COMMON
SHARES OUTSTANDING                          919,810   926,579    (0.73)   919,810    928,216   (0.91)
</TABLE>


                                     3
<PAGE>
<TABLE>
<CAPTION>
FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA  AND  SUBSIDIARIES
----------------------------------------------------------------------------------------------------------------------

CONSOLIDATED  STATEMENTS  OF  CHANGES  IN  STOCKHOLDERS'  EQUITY  -  UNAUDITED
(DOLLARS  IN  THOUSANDS)

                                                  Non-                                       Accumulated      Total
                                                 Voting    Voting                               Other         Stock-
                                     Preferred   Common    Common              Undivided    Comprehensive    holders'
                                       Stock      Stock    Stock    Surplus     Profits        Income         Equity
                                     ----------  -------  --------  --------  -----------  ---------------  ----------
<S>                                  <C>         <C>      <C>       <C>       <C>          <C>              <C>
Balance at December 31, 1997         $    3,282  $   182  $ 4,464   $ 55,000  $   82,287   $       13,203   $ 158,418
Comprehensive income:
  Net income                                                                      17,769
  Change in unrealized losses
     on investment securities
     available-for-sale, net of tax
     benefit of $2,422                                                                             (4,499)
Total comprehensive income                                                                                     13,270
Reacquired voting common stock                                (27)                (1,936)                      (1,963)
Preferred stock dividends                                                           (128)                         (85)
                                     ----------  -------  --------  --------  -----------  ---------------  ----------
Balance at September 30, 1998             3,282      182    4,437     55,000      97,992            8,704     169,597
Comprehensive income:
  Net income                                                                       5,849
  Change in unrealized losses
     on investment securities
     available-for-sale, net of tax
     benefit of $166                                                                                 (307)
Total comprehensive income                                                                                      5,542
Reacquired voting common stock                                (11)                  (910)                        (921)
Preferred stock dividends                                                            (43)                         (43)
                                     ----------  -------  --------  --------  -----------  ---------------  ----------
Balance at December 31, 1998              3,282      182    4,426     55,000     102,888            8,397     174,175
Comprehensive income:
  Net income                                                                      18,151
  Change in unrealized losses
     on investment securities
     available-for-sale, net of tax
     benefit of $1,272                                                                             (2,460)
Total comprehensive income                                                                                     15,691
Reacquired voting common stock                                (56)                (3,451)                      (3,507)
Stock issued in acquisition                                   171     10,081                                   10,252
Preferred stock dividends                                                           (126)                        (126)
                                     ----------  -------  --------  --------  -----------  ---------------  ----------
Balance at September 30, 1999        $    3,282  $   182  $ 4,541   $ 65,081  $  117,462   $        5,937   $ 196,485
                                     ==========  =======  ========  ========  ===========  ===============  ==========
</TABLE>


                                      4
<PAGE>
<TABLE>
<CAPTION>
FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA  AND  SUBSIDIARY
-----------------------------------------------------------------------------------------------

CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED (DOLLARS IN THOUSANDS)

                                                                            Nine Months Ended
                                                                              September  30,
                                                                         ----------------------
                                                                            1999        1998
                                                                         ----------  ----------
<S>                                                                      <C>         <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net Income                                                             $  18,151   $  17,769
  Adjustments to reconcile net income to net cash provided
    by operating activities:
    Provision for loan losses                                                4,110       3,714
    Depreciation and amortization                                            9,719       9,452
    Amortization of investment securities                                      566         227
    Provision for deferred income taxes                                    (24,061)    (19,074)
    Gains on sales of premises and equipment                                  (222)        (18)
    Increase in interest income accrued, not collected                        (909)     (1,837)
    (Decrease)/increase in accrued interest payable                           (600)        621
    Originations of loans held for resale                                 (116,406)   (104,414)
    Proceeds from sales of loans held for resale                           122,530     103,094
    Gains on sales of loans held for resale                                   (585)       (387)
    Decrease in other assets                                                23,162      18,873
   (Decrease)/increase in other liabilities                                 (1,898)      3,268
                                                                         ----------  ----------
  NET CASH PROVIDED BY OPERATING ACTIVITIES                                 33,557      31,288

CASH FLOWS FROM INVESTING ACTIVITIES:
    Net increase in loans                                                 (170,007)   (109,886)
    Calls, maturities and prepayments of securities, available-for-sale    254,650           0
    Purchases of investment securities, available-for-sale                (225,865)     (8,066)
    Calls, maturities and prepayments of securities, held-to-maturity        3,505     102,299
    Purchases of investment securities, held-to-maturity                    (1,060)    (62,998)
    Net decrease in interest bearing deposits in financial institutions          0       7,700
    Decrease/(increase) in federal funds sold                               39,800     (36,800)
    Proceeds from sales of premises and equipment                            3,609       2,084
    Purchases of premises and equipment                                    (11,103)    (21,436)
    Decrease in other real estate owned                                        193         123
    Net decrease in intangible assets                                       (3,974)       (689)
    Purchase of institutions, net of cash acquired                          (6,680)          0
                                                                         ----------  ----------
      NET CASH USED IN INVESTING ACTIVITIES                               (116,932)   (127,669)

CASH FLOWS FROM FINANCING ACTIVITIES:
    Net increase in deposits                                                10,798      55,986
    Increase/(decrease) in federal funds purchased and securities sold
      under agreements to repurchase                                        49,648     (17,549)
    Issuance of Bancorporation notes                                           963           0
    Increase in long term debt                                                   0      52,000
    Principal repayments on long-term debt                                       0     (16,483)
    Common stock issued                                                     10,252           0
    Cash dividends paid                                                       (126)       (128)
    Reacquired common stock                                                 (3,507)     (1,963)
                                                                         ----------  ----------
      NET CASH PROVIDED BY FINANCING ACTIVITIES                             68,028      71,863

DECREASE IN CASH AND DUE FROM BANKS                                        (15,347)    (24,518)
CASH AND DUE FROM BANKS AT BEGINNING OF PERIOD                             115,795     126,276
                                                                         ----------  ----------
CASH AND DUE FROM BANKS AT END OF PERIOD                                 $ 100,448   $ 101,758
                                                                         ==========  ==========
</TABLE>


                                      5
<PAGE>
NOTES  TO  CONSOLIDATED  FINANCIAL  STATEMENTS
--------------------------------------------------------------------------------

SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES
(DOLLARS  IN  THOUSANDS)

A  summary  of  the  significant  accounting  policies  of  First  Citizens
Bancorporation of South Carolina, Inc. ("Bancorporation") is set forth in Note 1
to  the  Consolidated  Financial Statements in Bancorporation's Annual Report on
Form 10-K for 1998.  The significant accounting policies used during the current
quarter are unchanged from those disclosed in the 1998 Annual Report, except for
the  following:

In  June  1999,  the  FASB  issued  SFAS  No.  137,  "Accounting  for Derivative
Instruments  and  Hedging  Activities-Deferral  of  the  Effective  Date of FASB
Statement  No.  133-an  amendment  of  FASB  Statement  No. 133".  SFAS No. 133,
"Accounting  for  Derivative  Instruments and Hedging Activities", was issued in
June  1998.  It  establishes  accounting  and reporting standards for derivative
instruments,  including  certain  derivative  instruments  embedded  in  other
contracts, and for hedging activities. SFAS No. 133 requires that all derivative
instruments  be  recorded  on the balance sheet at their fair value.  Changes in
the  fair  value  of derivatives are recorded each period in current earnings or
other  comprehensive  income  depending on whether a derivative is designated as
part  of a hedge transaction and, if it is, the type of hedge transaction.  SFAS
No.  133,  as  issued,  is effective for all fiscal quarters of all fiscal years
beginning  after  June 15, 1999, with earlier adoption encouraged.  SFAS No. 137
amended  SFAS  No.  133 by delaying the effective date to all fiscal quarters of
all fiscal years beginning after June 15, 2000.  The FASB continues to encourage
early  adoption  of  SFAS  No.  133.

Bancorporation  adopted  SFAS  No.  133 effective January 1, 1999.  Accordingly,
although  Bancorporation does not have derivative instruments, management, as of
January  1, 1999, has elected to transfer the U.S. Government obligation portion
of  its  held-to-maturity  securities  into  the available-for-sale category, as
permitted  by  SFAS  No.  133.  The  total transferred to the available-for-sale
category  was  $568,944,  with an adjustment to stockholders' equity for $1,854,
net  of  tax  effect  of  $998.

In  October  1998, the FASB issued SFAS No. 134, "Accounting for Mortgage Backed
Securities  Retained  After  the  Securitization of Mortgages Held for Sale by a
Mortgage Banking Enterprise". SFAS No. 134 requires that after an entity that is
engaged  in  mortgage banking activities has securitized mortgage loans that are
held-for-sale,  it  must  classify  the  resulting mortgage-backed securities or
other  retained  interests based on its ability and intent to sell or hold those
investments.  The  statement  is  effective  for  fiscal  years  beginning after
December  15,  1998.  Bancorporation adopted SFAS No. 134 as of January 1, 1999.
The  effect  of  adoption  is  immaterial.


                                      6
<PAGE>
ACQUISITIONS
(DOLLARS  IN  THOUSANDS)

On  August 20, 1999, Bancorporation acquired The Exchange Bank of South Carolina
("Exchange  Bank"),  a banking corporation located in Kingstree, South Carolina.
Total  cost  of  the  acquisition,  recorded  as  a  purchase, was $15,750.  The
breakdown  of  the  purchase  cost  is  as  follows:

     Cash                                              $  4,535
     5  year  Bancorporation  notes  @  7.50%                90
     10  year  Bancorporation  notes  @  7.75%              873
     Bancorporation  stock  -  34,174  shares            10,252
                                                         ------
          Total  consideration                          $15,750
                                                        =======

Goodwill  associated with this acquisition will be amortized over 15 years using
the  straight-line  method.  There  are  no  contingent  payments,  options  or
commitments  specified  in  the  acquisition  agreement.

The following pro forma combined consolidated financial data gives effect to the
August  20,  1999  acquisition of Exchange Bank as if it had been consummated on
January  1,  1998.

<TABLE>
<CAPTION>
(Dollars in thousands, except for per share data)

                               Quarter Ended         Nine Months Ended
                               September 30,          September 30,
                          ----------------------  ----------------------
                             1999        1998        1999        1998
                          ----------  ----------  ----------  ----------
<S>                       <C>         <C>         <C>         <C>
Total assets              $2,650,844  $2,430,827  $2,650,844  $2,430,827
Net interest income           27,518      24,177      77,722      71,578
Other income                   8,700       7,497      24,492      21,714
Net income                     6,728       6,008      18,816      18,457
Basic earnings per share        7.04        6.21       19.62       19.05
</TABLE>


                                      7
<PAGE>
MANAGEMENT'S  OPINION

The  preceding  consolidated  financial  statements  and  the  notes thereto are
unaudited;  however,  in  the  opinion of management, all adjustments comprising
normal  recurring  accruals  necessary  for  a  fair  presentation  of financial
statements  have  been  recorded.  Certain  amounts  in  prior periods have been
reclassified  to  conform  to  the  1999  presentation.


MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS
--------------------------------------------------------------------------------

SUMMARY  (dollars in thousands)

<TABLE>
<CAPTION>
                                                Quarter Ended           Nine Months Ended
                                                September  30,            September  30,
                                          ------------------------  ------------------------
SELECTED AVERAGE BALANCES:                   1999         1998         1999         1998
----------------------------------------  -----------  -----------  -----------  -----------
<S>                                       <C>          <C>          <C>          <C>
Total assets                              $2,681,373   $2,333,847   $2,651,101   $2,309,112
Gross loans                                1,765,183    1,524,282    1,700,309    1,476,582
Short-term borrowed funds                    255,236      187,744      256,780      196,354
Long-term debt                                50,440       50,000       50,148       41,884
Noninterest bearing deposits                 395,149      330,178      383,616      324,893
Total deposits                             2,157,153    1,905,496    2,132,987    1,886,077
Stockholders' equity                         203,783      172,536      195,787      168,303

QUALITY DATA:
----------------------------------------
Nonperforming assets                           3,205        2,922        3,205        2,922
Net chargeoffs                                   379          843        1,128        1,702
Reserve for loan losses                       32,401       28,147       32,401       28,147
Gross loans                                1,798,532    1,538,328    1,798,532    1,538,328

RATIOS:
----------------------------------------
Return on assets                                 .99%         .99%         .91%        1.03%
Return on equity                               13.00%       13.41%       12.36%       14.08%
Nonperforming assets to gross loans              .18%         .19%         .18%         .19%
Annualized net chargeoffs to gross loans         .08%         .22%         .08%         .15%
Reserve for loan losses to gross loans          1.80%        1.83%        1.80%        1.83%
Reserve for loan losses times
     nonperforming assets                     10.11X        9.63X       10.11X        9.63x
</TABLE>


INVESTMENT  SECURITIES  (dollars  in  thousands)

As  of  September  30,  1999,  the investment portfolio was $610,884 compared to
$550,026 as of September 30, 1998.  Bancorporation continues to invest primarily
in  short-term  U.S. Government obligations, thereby minimizing credit, interest
rate  and liquidity risk.  The portfolio was comprised of 90.60% U.S. Government
obligations  as of September 30, 1999, as compared to 89.20% as of September 30,
1998.  The remainder of the investment portfolio primarily consists of municipal
bonds  owned by First-Citizens Bank and Trust Company of South Carolina ("Bank")
and  equity securities owned by Bancorporation.  As a part of its Year 2000 cash
management  planning, Bancorporation transferred the U.S. Government obligations
portion of its held-to-maturity securities into the available-for-sale category,
as permitted by SFAS No. 133.  The total transferred in the first quarter to the
available-for-sale  category  was  $568,944, with an adjustment to stockholders'
equity  for  $1,854,  net  of  tax  effect  of  $998.


                                      8
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS  (CONTINUED)
--------------------------------------------------------------------------------

LOANS

Growth  in loans was attributed primarily to competitive interest rates, special
promotions  with  introductory rates on home equity loans and increased emphasis
on  lending  to middle and small markets.  The loan portfolio mix did not change
significantly  and  no  major change is expected for the remainder of 1999.  The
growth was funded primarily through core deposits and short-term borrowed funds.


CAPITAL  RATIOS
                                              September 30,
                                              -------------
                                              1999    1998
                                              -----  ------
Tier I leverage ratio                         8.58%   8.26%
Risk-based capital ratio total               14.07%  14.39%
     Tier I                                  12.69%  13.09%
     Tier II                                  1.38%   1.30%


Regulatory  agencies  divide  capital  into  Tier I, consisting of stockholders'
equity  less  ineligible  intangible  assets,  and  Tier  II,  consisting of the
allowable  portion  of  the  reserve for loan losses and certain long-term debt.
Capital  adequacy  is  measured  by  applying  both capital levels to the Bank's
risk-adjusted  assets  and  off-balance  sheet  items.  Regulatory  requirements
presently  specify that Tier I capital should exclude the market appreciation or
depreciation of securities available-for-sale arising from valuation adjustments
under  SFAS  No.  115.  In addition to these capital ratios, regulatory agencies
have  established  a  Tier  I  leverage  ratio  which measures Tier I capital to
average  assets  less  ineligible  intangible  assets.

Regulatory  guidelines  require  a minimum total capital to risk-adjusted assets
ratio  of 8 percent (with 50 percent consisting of tangible common stockholders'
equity)  and  a  minimum Tier I leverage ratio of 3 percent.  Banks that meet or
exceed  a  Tier  I  ratio  of  6 percent, a total risk-based capital ratio of 10
percent and a Tier I leverage ratio of 5 percent are considered well-capitalized
by  regulatory  standards.

NET  INTEREST  INCOME  (dollars  in  thousands)

The  increase  in  net interest income in the third quarter was due to growth in
interest-earning  assets,  primarily commercial, consumer and home equity loans.


                                      9
<PAGE>
<TABLE>
<CAPTION>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION  AND  RESULTS  OF  OPERATIONS  (CONTINUED)
---------------------------------------------------------------------------------------------------------------------------

NET  INTEREST  INCOME  (CONTINUED):

TAXABLE  EQUIVALENT  RATE/VOLUME  VARIANCE  ANALYSIS*  (DOLLARS  IN  THOUSANDS)

              QUARTER ENDED SEPTEMBER 30,
----------------------------------------------------
    Average Volume         Interest      Average Rate                                          Variance Due To
----------------------  ----------------  ----------                                          -----------------     Total
   1999        1998      1999     1998    1999  1998                                            Rate     Volume    Variance
----------  ----------  -------  -------  ----  ----                                          --------  --------  ----------
<S>         <C>         <C>      <C>      <C>   <C>   <C>                                     <C>       <C>       <C>
                                                      INTEREST-EARNING ASSETS:
1,765,183  $1,524,282   $35,984  $33,305  8.24  8.67  Loans                                   ($2,284)  $ 4,963   $   2,679
  650,028     575,480     8,008    7,935  4.93  5.47  Taxable investment securities              (846)      919          73
   30,158      25,879       549      569  8.21  8.79  Non-taxable investment securities          (108)       88         (20)
   12,558      24,104       146      333  5.44  5.48  Federal funds sold                          (30)     (157)       (187)
----------  ----------  -------  -------                                                      --------  --------  ----------
2,457,927   2,149,745    44,687   42,142  7.35  7.78     Total interest-earning assets         (3,268)    5,813       2,545

                                                      NONINTEREST-EARNING ASSETS:
  111,045      85,853                                 Cash and due from banks
   82,968      72,829                                 Premises and equipment
   29,433      25,420                                 Other, less reserve for loan losses
----------  ----------
  223,446     184,102                                   Total noninterest-earning assets
----------  ----------
2,681,373   2,333,847                                 TOTAL ASSETS
==========  ==========

                                                      INTEREST-BEARING LIABILITIES:
1,762,004  $1,575,318  $14,861  $15,279  3.41  3.85   Deposits                                ($2,009)  $ 1,591       ($418)
                                                      Federal funds purchased and securities
  255,236     187,744    2,989    2,311  4.65  4.88   sold under agreements to repurchase        (107)      785         678
   50,440      50,000    1,037    1,036  8.16  8.22   Long-term debt                               (8)        9           1
----------  ----------  ------  -------                                                       --------  -------       ------
2,067,680   1,813,062   18,887   18,626  3.68  4.08      Total interest-bearing liabilities    (2,124)    2,385         261
----------  ----------  ------  -------                                                       --------  -------       ------

                                                      NONINTEREST-BEARING LIABILITIES:
  395,149     330,178                                 Demand deposits
   14,761      18,071                                 Other liabilities
----------  ----------
  409,910     348,249                                 Total noninterest-bearing liabilities
----------  ----------
  203,783     172,536                                 Stockholders' equity
==========  ==========
                                                      TOTAL LIABILITIES AND
2,681,373  $2,333,847                                  STOCKHOLDERS' EQUITY
==========  ==========
                                          3.67  3.70  Interest rate spread
                                          ====  ====
                        $25,800  $23,516  4.25  4.34  Net Interest Margin                     ($1,144)  $ 3,428   $   2,284
                        =======  =======  ====  ====                                          ========  ========  ==========

<FN>
*  Interest  income and yields are presented on a fully taxable equivalent basis using  the  federal  income  tax  rate  and
   state  tax  rates,  as  applicable.
</TABLE>


                                      10
<PAGE>
<TABLE>
<CAPTION>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION  AND  RESULTS  OF  OPERATIONS  (CONTINUED)
----------------------------------------------------------------------------------------------------------------------------

NET  INTEREST  INCOME  (CONTINUED):

TAXABLE EQUIVALENT RATE/VOLUME VARIANCE ANALYSIS* (DOLLARS IN THOUSANDS)

            NINE MONTHS ENDED SEPTEMBER 30,
------------------------------------------------------
    Average  Volume           Interest     Average Rate                                         Variance Due To
----------------------  ------------------  ----------                                          ----------------     Total
    1999       1998       1999      1998    1999  1998                                            Rate    Volume    Variance
----------  ----------  --------  --------  ----  ----                                          --------  -------  ----------
<S>         <C>         <C>       <C>       <C>   <C>   <C>                                     <C>       <C>      <C>
                                                               INTEREST-EARNING ASSETS:
1,700,309  $1,476,582  $102,715  $ 96,516  8.33  8.74  Loans                                   ($7,778)  $13,977  $   6,199
  639,355     584,775    23,812    24,232  5.08  5.54  Taxable investment securities            (2,499)    2,079       (420)
   30,988      28,365     1,574     1,861  8.20  8.75  Non-taxable investment securities          (448)      161       (287)
   56,966      35,370     1,930     1,443  4.81  5.45  Federal funds sold                         (292)      779        487
        0       4,879         0       240  0.00  6.58  Other earning assets                       (240)        0       (240)
---------  ----------  --------  --------                                                      --------  -------  ----------
2,427,618   2,129,971   130,031   124,292  7.39  7.80     Total interest-earning assets        (11,257)   16,996      5,739


                                                       NONINTEREST-EARNING ASSETS:
  112,011      85,756                                  Cash and due from banks
   82,469      67,231                                  Premises and equipment
   29,003      26,154                                  Other, less reserve for loan losses
---------  ----------
  223,483     179,141                                     Total noninterest-earning assets
2,651,101  $2,309,112                                  TOTAL ASSETS
=========  ==========

                                                        INTEREST-BEARING LIABILITIES:
1,749,371   $1,561,184  $ 43,715  $ 44,963  3.45  3.85  Deposits                                ($6,117)  $ 4,869    ($1,248)
                                                        Federal funds purchased and securities
  256,780      196,354     8,691     7,191  4.53  4.90  sold under agreements to repurchase        (553)    2,053      1,500
   50,148       41,884     3,100     2,542  8.26  8.11  Long-term debt                               46       512        558
---------  ----------  --------  --------                                                      --------  -------  ----------
2,056,299    1,799,422    55,506    54,696  3.70  4.06     Total interest-bearing liabilities    (6,624)    7,434        810
                        --------  --------                                                      --------  -------  ----------

                                                        NONINTEREST-BEARING LIABILITIES:
  383,616      324,893                                  Demand deposits
   15,399       16,494                                  Other liabilities
  399,015      341,387                                  Total noninterest-bearing liabilities
  195,787      168,303                                  Stockholders' equity
---------  -----------                                  TOTAL LIABILITIES AND
2,651,101   $2,309,112                                    STOCKHOLDERS' EQUITY
==========  ==========
                                            3.69  3.74  Interest rate spread
                                            ====  ====
                        $ 74,525  $ 69,596  4.26  4.37  Net interest margin                     ($4,633)  $ 9,562  $   4,929
                        ========  ========  ====  =====                                         ========  =======  ==========

<FN>
*  Interest  income  and rates are presented on a fully taxable equivalent basis using  the  federal  income  tax  rate  and
   state  tax  rates,  as  applicable.
</TABLE>


                                      11
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS   (CONTINUED)
--------------------------------------------------------------------------------

RESERVE  FOR  LOAN  LOSSES  (dollars  in  thousands)

The  reserve for loan losses reflects management's assessment of losses inherent
in the loan portfolio.  Factors considered in this assessment include growth and
mix  of  the  loan  portfolio,  credit quality, current and anticipated economic
conditions  and  historical  credit  loss  experience.

<TABLE>
<CAPTION>
                                   QUARTER ENDED     NINE MONTHS ENDED
                                   SEPTEMBER  30,      SEPTEMBER  30,
                                 ------------------  ------------------
RESERVE FOR LOAN LOSSES:           1999      1998      1999      1998
                                 --------  --------  --------  --------
<S>                              <C>       <C>       <C>       <C>
Balance at beginning of period   $30,037   $27,558   $28,306   $26,135
Addition related to acquisition    1,113        --     1,113        --
Provision for loan losses          1,630     1,432     4,110     3,714
                                 --------  --------  --------  --------
Chargeoffs                          (704)   (1,259)   (2,213)   (2,941)
Recoveries                           325       416     1,085     1,239
                                 --------  --------  --------  --------
Net chargeoffs                      (379)     (843)   (1,128)   (1,702)
                                 --------  --------  --------  --------
Balance at end of period         $32,401   $28,147   $32,401   $28,147
                                 --------  --------  --------  --------

Nonperforming assets             $ 3,205   $ 2,922   $ 3,205   $ 2,922

Annualized net chargeoffs to:
     Average loans                   .09%      .22%      .09%      .15%
     Loans at end of period          .08%      .22%      .08%      .15%
     Reserve for loan losses        4.68%    11.98%     4.64%     8.06%
</TABLE>

NONINTEREST  INCOME  AND  EXPENSE  (dollars  in  thousands)

Total  noninterest  income  increased  $1,186  or  16.17%  and $2,707 or 12.74%,
respectively,  for the quarter and nine months ended September 30, 1999.  Growth
in  both  periods was primarily due to an increase in service charges on deposit
accounts.

Total  noninterest  expense  was  up  $1,876  or  9.24%  and  $6,593  or 11.18%,
respectively, for the quarter and nine months ended September 30, 1999.  Most of
the  increase  in  both  periods was due to normal operating expenses associated
with  growth  and  expenses  associated  with  the  Year  2000  remediation  and
preparation  effort.


                                      12
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS   (CONTINUED)
--------------------------------------------------------------------------------

YEAR  2000  (Dollars  in  thousands)

GENERAL  -  The  Year  2000  ("Y2K")  issue  confronting  Bancorporation and its
suppliers,  customers,  customers'  suppliers  and  competitors  centers  on the
inability of computer systems to recognize the year 2000. Many existing computer
programs  and  systems  originally  were  programmed  with  six digit dates that
provided  only two digits to identify the calendar year in the date field.  With
the  impending  new millennium, these programs and computers will recognize "00"
as  the  year 1900 rather than the year 2000. Problems also may arise from other
sources  as  well,  such as the use of special codes and conventions in software
that  make  use  of  the  date  field.

Financial  institution  regulators  recently have increased their focus upon Y2K
compliance  issues  and  have issued guidance concerning the responsibilities of
senior  management and directors. The Federal Financial Institutions Examination
Council  ("FFIEC")  has  issued  several  interagency  statements on Y2K Project
Management  Awareness. These statements require financial institutions to, among
other things, examine the Y2K implications of their reliance on vendors and with
respect  to  data  exchange  and  the potential impact of the Y2K issue on their
customers, suppliers and borrowers. These statements also require each federally
regulated  financial  institution  to  survey its exposure, measure its risk and
prepare  a  plan  to  address  the  Y2K  issue. In addition, the federal banking
regulators have issued safety and soundness guidelines to be followed by insured
depository  institutions,  such  as  the  Bank,  to assure resolution of any Y2K
problems.  The  federal  banking  agencies  have  asserted  that Y2K testing and
certification is a key safety and soundness issue in conjunction with regulatory
exams  and, thus, that an institution's failure to address appropriately the Y2K
issue  could  result  in  supervisory  action,  including  the  reduction of the
institution's  supervisory  ratings,  the denial of applications for approval of
mergers  or  acquisitions,  or  the  imposition  of  civil  money  penalties.

RISKS - Like most financial service providers, Bancorporation and its operations
may  be  significantly  affected  by  the  Y2K  issue  due  to its dependence on
information  technology  and date-sensitive data. Computer hardware and software
and  other  equipment,  both within and outside Bancorporation's direct control,
and  third  parties  with  whom  Bancorporation  electronically or operationally
interfaces  (including without limitation its customers and third party vendors)
are  likely  to be affected. If computer systems are not modified in order to be
able  to identify the year 2000, many computer applications could fail or create
erroneous  results.  As  a  result,  many  calculations which rely on date field
information,  such  as  interest  payments  or  due  dates  and  other operating
functions,  could  generate  results  which  are  significantly  misstated,  and
Bancorporation  could  experience  an inability to process transactions, prepare
statements  or  engage  in  similar  normal business activities. Likewise, under
certain  circumstances,  a  failure  to  adequately  address the Y2K issue could
adversely  affect  the viability of Bancorporation's suppliers and creditors and
the  creditworthiness  of  its borrowers. Thus, if not adequately addressed, the
Y2K  issue  could  result  in  a  significant adverse impact on Bancorporation's
operations  and,  in  turn,  its  financial condition and results of operations.

COSTS  -  Bancorporation  is determined to use all resources required to resolve
any  significant  Y2K  issues.  Bancorporation's  estimated  aggregate  expenses
associated  with Y2K matters are $3,000. This includes costs directly related to
solving  Y2K  problems,  such  as modifying software and hiring Y2K consultants.
Expenses  incurred  through  September  30,  1999 were $1,819. Bancorporation is
expensing  all  costs associated with required system changes as those costs are
incurred  and  such  costs  are  being  funded  through  operating  cash  flows.


                                      13
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS   (CONTINUED)
--------------------------------------------------------------------------------

YEAR  2000  (CONTINUED)

AWARENESS  - During March 1997, Bancorporation developed its plan to address the
Y2K  issue. Bancorporation hired consultants to direct Y2K compliance efforts. A
Y2K  Program  Office ("PMO") consisting of in-house personnel is responsible for
leading  the overall Y2K process. The PMO is supported by the Executive Steering
Committee ("Committee"), a group of senior managers within the organization that
is  chaired  by the Chief Financial Officer. Both the PMO and the Committee meet
monthly  to review Y2K  progress. A substantial portion of Bancorporation's data
processing  functions  are  performed  by  First  Citizens Bank & Trust Company,
Raleigh,  North  Carolina  ("FCBNC")  on  its  mainframe  systems and/or systems
supported by FCBNC. The PMO meets bi-monthly with FCBNC to monitor the status of
its  compliance efforts. Quarterly progress reports are made to Bancorporation's
Board  of  Directors  on  the  overall  Y2K  Program  progress.

ASSESSMENT  -  During  the  assessment  phase  of Bancorporation's Y2K plan, all
systems  were  categorized as mainframe systems or non-mainframe systems, and as
information  technology  ("IT")  systems or non-IT systems. Further, each system
was  assigned  to  one  of  the  following  priority  groups:

     1.     Mission  Critical  - Significantly  impacts  external  customers,
            regulatory  reporting,  or  solvency.
     2.     Operationally  Dependent  - Impacts  the  amount of time, effort or
            type  of  equipment  used  to  accomplish  the  task.
     3.     Supporting  Function  -  Assists  in  service  delivery.

A  general  plan for dealing with each system was developed and responsibilities
for  each  system  were  assigned to the appropriate personnel.   This phase has
been  completed.

REMEDIATION  -  For  each  system, a determination was made as to whether system
modification, upgrade or replacement was necessary to achieve Y2K compliance, or
whether  the  system  was  already  Y2K  compliant.

For  IT  mainframe systems, FCBNC has remediated all applicable software. For IT
non-mainframe  systems,  FCBSC's  outside  consultant  is  responsible  for
coordinating  remediation  with  Bancorporation's  staff,  which, in most cases,
entails  the  installation  of  upgrades  provided  by  outside  vendors. All 88
non-mainframe  systems  have  been  remediated  and  tested.

Non-IT  systems  are  more  difficult  to  analyze  for  Y2K  compliance and are
dependent  on vendor feedback to determine what will be necessary to achieve Y2K
compliance.  Bancorporation mailed 115 environmental letters, involving heating,
air  conditioning,  utilities,  etc,  to  vendors  with  respect  to its mission
critical  non-IT  systems.  Responses  have  been received from all vendors, 111
written  and  4  verbal,  indicating  they  are  compliant.

CONFIRMATION  -  To  prove  that  the  new,  modified or updated systems are Y2K
compliant,  testing  is  performed in an isolated environment to ensure that all
date sensitive data is accurately processed. Bancorporation, in conjunction with
FCBNC,  is  testing  all  systems  with a minimum of three dates of December 31,
1999,  January  3,  2000  and February 29, 2000. Additional dates are tested, if
needed,  to  complete  testing  of  each  system.

There  were  35  mainframe  applications to be tested and all those applications
have  been  tested  and  determined  to  be  compliant.


                                      14
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  FINANCIAL  CONDITION AND RESULTS OF
OPERATIONS   (CONTINUED)
--------------------------------------------------------------------------------

YEAR  2000  (CONTINUED)

During  early  1998,  Bancorporation  identified all commercial credit customers
whose  existing  aggregate  borrowings from the Bank exceeded $300.  Discussions
have been held with each customer to assess the customer's plan for and progress
toward addressing the Y2K issue. Each customer was weighted as a high, medium or
low  risk  based  on the results of the discussions. These ratings were based on
the  customer's preparedness, vulnerability and plans for Y2K systems. Customers
rated  in the medium to high-risk categories have been followed up and monitored
on  a  periodic  basis.  Based on these discussions, Bancorporation's management
does  not  believe  that  the  impact  of  the  Y2K issue on its commercial loan
portfolio  will  be material. Consumer customers are not being monitored for Y2K
as  most  of  their  loans  are secured with collateral, and losses, should they
occur,  are  not  expected  to  be  material.

An analysis was performed in March 1999 to determine the readiness of the Bank's
large  deposit  base  customers  (over $500) as related to Y2K issues.  Accounts
were grouped in high or low/moderate risk categories. Low/moderate risk consists
of  accounts  for  municipalities  trust accounts, Home Office accounts or other
accounts classified as low risk on the initial report done in April 1998. In the
high-risk  category,  there  are  accounts that do not fit into the low/moderate
risk description or were classified as high risk on the April 1998 report. Total
account  breakdown  was  98  low/moderate  and  41  high-risk  accounts totaling
$216,000  and  $40,000,  respectively.  Based  on  additional  analysis  and
questionnaire  completion  by  customers, as of September 30, 1999, no customers
remain  in  the  High  Risk  category.

Bancorporation  has  reviewed  its  liquidity  needs  in  terms of being able to
respond  to  deposit  base erosion because of Y2K concerns. Lines of credit have
been  established  at other financial institutions to provide a potential source
of  funds  and  authority  has  been  received  from  the Executive Committee of
Bancorporation's  Board  of Directors to use the Federal Reserve Discount window
as  another  source  of  funds.   Loan  assets,  to  be  used  as collateral for
borrowing at the discount window, have been reviewed by the Federal Reserve.  In
addition,  the  Bond  Portfolio of the Bank has been adjusted to hold additional
government  bonds  maturing  in  the  fourth  quarter.

CONTINGENCY  PLANS  -  Contingency  plans  for  operational  functions have been
established  to insure continued operation in critical areas. Bancorporation has
tied  individual  contingency  plans to the core business processes to determine
minimum  requirements  to  provide our customers with adequate service. Business
management  contingency plans for uncontrollable functions, such as phone, water
and  electrical  services, were completed as of June 30, 1999.   All contingency
plans  have  been  validated  and  are  ready  to  implement  as  necessary.

QUANTITATIVE  AND  QUALITATIVE  DISCLOSURES  ABOUT  MARKET  RISK

There  have  been  no  material changes in market risk exposures that affect the
quantitative  and  qualitative disclosures presented as part of Bancorporation's
Annual  Report  on  Form  10K  for  the  year  ended  December  31,  1998.


                                      15
<PAGE>
                           PART II - OTHER INFORMATION


Item  1.  Legal  Proceedings.

Not  Applicable.

Item  2.  Changes  in  Securities.

Not  Applicable.

Item  3.  Defaults  upon  Senior  Securities.

Not  Applicable.

Item  4.  Submission  of  Matters  to  a  Vote  of  Security  Holders.

Not  Applicable

Item  5.  Other  Information  (Dollars  in  thousands)

Registrant  has entered into an agreement to purchase three offices from another
financial institution.  Total assets purchased will be approximately $43,000 and
deposits assumed will be approximately $65,000.  The premium to be paid for this
acquisition  is based on deposit levels at closing and is expected to be $7,500.
This  acquisition  is  expected  to  close  in  the  first  quarter  of  2000.

Item  6.  Exhibits  and  Reports  on  Form  8-K.

(a)   Exhibits
      11     Statement  Re  Computation  of  Earnings  Per  Share
      27     Financial  Data  Schedule

(b)   No reports on Form 8-K were filed during the quarter ended September 30,
1999.


                                      16
<PAGE>
SIGNATURES

Pursuant  to  the  requirements  of  the  Securities  Exchange  Act of 1934, the
Registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  thereunto  duly  authorized.


                                   FIRST  CITIZENS  BANCORPORATION
                                   OF  SOUTH  CAROLINA,  INC.
                                   (Registrant)


Dated: 11/12/99                    By:  /s/  Jay  C.  Case
       --------                         ---------------------------------------
                                        Jay  C.  Case, Executive Vice President
                                        (Chief  Financial  Officer)


                                      17
<PAGE>