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, 2000       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, 2000
                -----                            -------------------------------

     VOTING COMMON STOCK, $5.00 PAR VALUE                  900,016 SHARES
     NON-VOTING COMMON STOCK, $5.00 PAR VALUE               36,409 SHARES


<PAGE>
<TABLE>
<CAPTION>

PART  I - FINANCIAL  INFORMATION
ITEM  1.  FINANCIAL  STATEMENTS

FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA,  INC.  AND  SUBSIDIARIES
=========================================================================================

CONSOLIDATED STATEMENTS OF CONDITION - UNAUDITED (DOLLARS IN THOUSANDS, EXCEPT PAR VALUES)


                                        SEPTEMBER 30,    December 31,    September 30,
                                             2000            1999             1999
                                       ---------------  --------------  ---------------
<S>                                    <C>              <C>             <C>
ASSETS
Cash and due from banks                $      118,043   $     151,897   $      100,448
Federal funds sold                                  -          37,400           27,500
                                       ---------------  --------------  ---------------
Total cash and cash equivalents               118,043         189,297          127,948
                                       ---------------  --------------  ---------------
Investment securities:
  Held-to-maturity, at amortized cost          35,292          40,666           44,941
  Available-for-sale, at fair value           668,225         522,326          565,943
                                       ---------------  --------------  ---------------
Total investment securities                   703,517         562,992          610,884
                                       ---------------  --------------  ---------------

Gross loans                                 2,005,306       1,854,520        1,798,532
  Less: Allowance for loan losses             (35,536)        (32,972)         (32,401)
                                       ---------------  --------------  ---------------
Net loans                                   1,969,770       1,821,548        1,766,131
                                       ---------------  --------------  ---------------
Premises and equipment                         87,078          84,395           82,630
Interest receivable                            20,953          15,135           16,689
Intangible assets                              23,388          19,256           19,826
Other assets                                   32,253          33,962           26,736
                                       ---------------  --------------  ---------------
     TOTAL ASSETS                      $    2,955,002   $   2,726,585   $    2,650,844
                                       ===============  ==============  ===============

LIABILITIES AND STOCKHOLDERS' EQUITY
LIABILITIES
Deposits:
  Demand                               $      423,371   $     396,781   $      384,424
  Time and savings                          1,885,855       1,825,252        1,749,089
                                       ---------------  --------------  ---------------
Total deposits                              2,309,226       2,222,033        2,133,513
Securities sold under agreements
 to repurchase and
 federal funds purchased                      345,648         230,904          254,350
Long-term debt                                 50,963          50,963           50,963
Other liabilities                              26,950          22,612           15,533
                                       ---------------  --------------  ---------------
     TOTAL LIABILITIES                      2,732,787       2,526,512        2,454,359
                                       ---------------  --------------  ---------------

STOCKHOLDERS' EQUITY:
  Preferred stock                               3,231           3,282            3,282
  Non-voting common stock -
  $5.00 par value, authorized
    1,000,000; issued and
    outstanding September 30, 2000,
December 31, 1999 and
    September 30, 1999 - 36,409                   182             182              182
Voting common stock
 $5.00 par value, authorized 2,000,000;
September 30, 2000 - 899,846;
    issued and outstanding
   December 31, 1999 - 906,205;
and September 30, 1999 - 908,248                4,499           4,531            4,541
  Surplus                                      65,081          65,081           65,081
  Undivided profits                           142,149         123,328          117,462
  Accumulated other comprehensive
 income, net of taxes                           7,073           3,669            5,937
                                       ---------------  --------------  ---------------
     TOTAL STOCKHOLDERS' EQUITY               222,215         200,073          196,485
                                       ---------------  --------------  ---------------
     COMMITMENTS AND CONTINGENCIES                 --              --               --
                                       ---------------  --------------  ---------------
     TOTAL LIABILITIES AND
     STOCKHOLDERS' EQUITY              $    2,955,002   $   2,726,585   $    2,650,844
                                       ===============  ==============  ===============
</TABLE>


                                     Page 2
<PAGE>
<TABLE>
<CAPTION>

FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA,  INC.  AND  SUBSIDIARIES
================================================================================

CONSOLIDATED STATEMENTS OF INCOME - UNAUDITED
(DOLLARS IN THOUSANDS-EXCEPT PER SHARE DATA)

                                                         FOR THE            FOR THE
                                                      QUARTER ENDED    NINE MONTHS ENDED
                                                      SEPTEMBER 30,       SEPTEMBER 30,
                                                  -------------------  ------------------
                                                    2000       1999     2000      1999
                                                  --------  ---------  --------  --------
<S>                                               <C>       <C>        <C>       <C>
INTEREST INCOME:
  Loans, including fees                           $ 43,268  $  35,836  $124,157  $102,283
  Interest on investment securites:
    Taxable                                          8,951      7,611    26,816    23,415
    Non-taxable                                        343        357     1,098     1,023
  Federal funds sold                                 1,064        498     2,151     2,282
                                                  --------  ---------  --------  --------
Total interest income                               53,626     44,302   154,222   129,003
                                                  --------  ---------  --------  --------
INTEREST EXPENSE:
  Deposits                                          19,270     14,861    54,552    43,714
  Securities sold under agreements to repurchase
    and federal funds purchased                      5,029      2,989    13,940     8,692
  Long-term debt                                     1,025      1,038     3,149     3,100
                                                  --------  ---------  --------  --------
Total interest expense                              25,324     18,888    71,641    55,506
                                                  --------  ---------  --------  --------

Net interest income                                 28,302     25,414    82,581    73,497
Provision for loan losses                            1,477      1,630     5,030     4,110
                                                  --------  ---------  --------  --------
Net interest income after
  provision for loan losses                         26,825     23,784    77,551    69,387
                                                  --------  ---------  --------  --------

NONINTEREST INCOME:
  Service charges on deposit accounts                5,496      5,011    16,080    13,735
  Commissions and fees from fiduciary activities       613        496     1,873     1,279
  Fees for other customer services                     581        571     1,842     1,730
  Mortgage servicing fees                              554        542     1,662     1,633
  Bankcard                                           1,291      1,109     3,484     2,939
  Insurance premiums                                   577        461     1,585     1,357
  Gain of sale of securities                             6          -        32         8
  Other                                              1,046        329     1,494     1,276
                                                  --------  ---------  --------  --------
Total noninterest income                            10,164      8,519    28,052    23,957
                                                  --------  ---------  --------  --------
NONINTEREST EXPENSE:
  Salaries and employee benefits                    11,611     10,128    34,497    30,486
  Net occupancy expense                              1,621      1,811     4,909     4,892
  Furniture and equipment expense                    1,655      1,652     4,793     4,679
  Amortization of intangibles                        1,774      1,255     4,941     4,069
  Bankcard processing expense                        1,269      1,169     3,599     3,219
  Data processing expense                            2,072      1,846     5,964     5,224
  Professional services                                538        607     1,497     1,675
  Other                                              5,034      3,707    13,418    11,306
                                                  --------  ---------  --------  --------
Total noninterest expense                           25,574     22,175    73,618    65,550
                                                  --------  ---------  --------  --------

Income before income tax expense                    11,415     10,128    31,985    27,794
Income tax expense                                   3,936      3,505    11,033     9,643
                                                  --------  ---------  --------  --------
NET INCOME                                        $  7,479  $   6,623  $ 20,952  $ 18,151
                                                  ========  =========  ========  ========

=========================================================================================
NET INCOME PER COMMON SHARE -
BASIC AND DILUTED                                 $   7.94  $    7.07  $  22.22  $  19.59
WEIGHTED AVERAGE COMMON
SHARES OUTSTANDING-BASIC AND DILUTED               936,238    919,810   937,341   919,810
</TABLE>


                                     Page 3
<PAGE>
<TABLE>
<CAPTION>

FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC. AND SUBSIDIARIES
=================================================================================================================

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY AND ACCUMULATED OTHER COMPREHENSIVE INCOME - UNAUDITED
(DOLLARS IN THOUSANDS)


                                               Non-                                       Accumulated      Total
                                              Voting    Voting                               Other         Stock-
                                  Preferred   Common    Common              Undivided    Comprehensive    holders'
                                    Stock      Stock    Stock    Surplus     Profits     Income/(Loss)     Equity
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
<S>                              <C>          <C>      <C>       <C>       <C>          <C>              <C>
Balance at December 31, 1998     $    3,282   $   182  $ 4,426   $ 55,000  $  102,888   $        8,397   $ 174,175
Comprehensive income:
  Net income                                                                   18,151                       18,151
  Change in unrealized losses
     on investment securities
     available-for-sale, net of
     benefit of $1,272                                                                          (2,460)     (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
Comprehensive income:
  Net income                                                                    6,495                        6,495
  Change in unrealized losses
     on investment securities
     available-for-sale, net of
     benefit of $1,200                                                                          (2,268)     (2,268)
                                                                                                         ----------
Total comprehensive income                                                                                   4,227
                                                                                                         ----------
Reacquired voting common stock                             (10)                  (584)                        (594)
Preferred stock dividends                                                         (45)                         (45)
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
Balance at December 31, 1999          3,282       182    4,531     65,081     123,328            3,669     200,073
Comprehensive income:
  Net income                                                                   20,952                       20,952
  Change in unrealized gains
     on investment securities
     available-for-sale, net of
     benefit of $1,834                                                                           3,404       3,404
                                                                                                         ----------
Total comprehensive income                                                                                  24,356
                                                                                                         ----------
Reacquired preferred stock              (51)                                        7                          (44)
Reacquired voting common stock                             (32)                (1,561)                      (1,593)
Common stock dividends                                                           (450)                        (450)
Preferred stock dividends                                                        (127)                        (127)
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
Balance at September 30, 2000    $    3,231   $   182  $ 4,499   $ 65,081  $  142,149   $        7,073   $ 222,215
                                 ===========  =======  ========  ========  ===========  ===============  ==========
</TABLE>


                                     Page 4
<PAGE>
<TABLE>
<CAPTION>

FIRST  CITIZENS  BANCORPORATION  OF  SOUTH  CAROLINA  AND  SUBSIDIARY
===================================================================================

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


                                                                     For the
                                                               Nine Months Ended
                                                                 September 30,
                                                            -----------------------
                                                                2000        1999
                                                            -----------  ----------
CASH FLOWS FROM OPERATING ACTIVITIES:
<S>                                                         <C>          <C>
  Net income                                                $   20,952   $  18,151
  Adjustments to reconcile net income to net cash provided
    by operating activities:
    Provision for loan losses                                    5,030       4,110
    Depreciation and amortization                               10,789       9,719
    (Accretion) amortization of investment securities           (1,357)        566
    Change in deferred taxes                                    (3,251)    (24,061)
    Gain on sales of premises and equipment                          0        (222)
    Increase in accrued interest receivable                     (5,818)       (909)




    Increase/(decrease) in accrued interest payable              2,621        (600)
    Origination of mortgage loans held-for-resale              (83,042)   (116,406)
    Proceeds from sales of mortgage loans held-for-resale       81,300     122,530
    Gain on sales of mortgage loans held-for-resale               (776)       (585)
    Decrease in other assets                                     3,145      23,162
    Increase/(decrease) in other liabilities                     1,707      (1,898)
                                                            -----------  ----------
  NET CASH PROVIDED BY OPERATING ACTIVITIES                     31,300      33,557
                                                            ===========  ==========

CASH FLOWS FROM INVESTING ACTIVITIES:
    Net increase in loans                                     (116,442)   (170,007)
    Calls, maturities and prepayments
      of investment securities, available-for-sale             202,333     254,650
    Purchases of investment securities, available-for-sale    (342,995)   (225,865)
    Calls, maturities and prepayments
       of investment securities, held-to-maturity                6,967       3,505
    Purchases of investment securities, held-to-maturity          (205)     (1,060)
    Proceeds from sales of premises and equipment                  120       3,609
    Purchases of premises and equipment                         (7,120)    (11,103)
    (Increase)/decrease in other real estate owned                 (11)        193
    Increase in intangible assets                               (1,058)     (3,974)
    Purchase of institutions, net of cash acquired              26,461      (3,380)
                                                            -----------  ----------
      NET CASH USED IN INVESTING ACTIVITIES                   (231,950)   (153,432)
                                                            ===========  ==========

CASH FLOWS FROM FINANCING ACTIVITIES:
    Net increase in deposits                                    16,865      10,798
    Increase in federal funds
      purchased and securities sold
      under agreements to repurchase                           114,745      49,648
    Issuance of bank notes                                           -         963
    Common stock issued                                              -      10,252
    Cash dividends paid                                           (577)       (126)
    Cash paid to reacquire preferred stock                         (44)     (3,507)
    Cash paid to reacquire common stock                         (1,593)          0
                                                            -----------  ----------
      NET CASH PROVIDED BY FINANCING ACTIVITIES                129,396      68,028
                                                            ===========  ==========

NET DECREASE IN CASH AND CASH EQUIVALENTS                      (71,254)    (51,847)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD               189,297     179,795
                                                            -----------  ----------
CASH AND CASH EQUIVALENTS AT END OF PERIOD                  $  118,043   $ 127,948
                                                            ===========  ==========
</TABLE>


                                     Page 5
<PAGE>
NOTES  TO  THE  CONSOLIDATED  FINANCIAL  STATEMENTS  (UNAUDITED)

SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES

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 1999 Annual Report
on  Form  10-K.  The  significant  accounting  policies  used during the current
quarter  are  unchanged  from  those  disclosed  in  the  1999  Annual  Report.

BASIS  OF  PRESENTATION

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 the consolidated
financial  statements have been recorded.  Certain amounts in prior periods have
been  reclassified  to  conform  to  the  2000  presentation.

ACQUISITIONS  (DOLLARS  IN  THOUSANDS)

There  were  no  material  acquisitions  during the quarter ending September 30,
2000.

On  March  10,  2000,  three  branch  locations were acquired from another South
Carolina  financial institution.  First Citizens Bank and Trust Company of South
Carolina  (the  "Bank")  acquired  deposits  of  $67,983,  loans of $32,632, and
goodwill  of  $7,933 in connection with this acquisition.  Goodwill amortization
related  to this acquisition for the quarter and nine months ended September 30,
2000  was  $405  and  $809,  respectively.

On August 20, 1999, Bancorporation acquired The Exchange Bank of South Carolina,
a  banking  corporation located in Kingstree, South Carolina.  The total cost of
the  acquisition,  recorded  as  a  purchase,  was  $15,750.

The  breakdown  of  the  purchase  price  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  amortization  related  to  this  acquisition  for the quarter and nine
months  ended  September  30,  2000,  was  $57  and  $166,  respectively.

On  September 8, 2000, the Bank entered into a purchase and assumption agreement
to acquire seven branches from an unrelated financial institution with estimated
total deposits and loans of $217,000 and $41,000, respectively.  The acquisition
is expected to be completed during the fourth quarter of 2000 pending regulatory
approvals.

SUBSEQUENT  EVENTS

On  October  25,  2000,  Bancorporation's  Board  of  Directors declared a $ .25
dividend  on common stock to shareholders of record on November 3, 2000, payable
on  November  15,  2000.

ITEM  2.  MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  RESULTS OF OPERATIONS AND
FINANCIAL  CONDITION

FORWARD-LOOKING  STATEMENT

These  consolidated financial statements may contain forward-looking statements.
All  forward-looking  statements involve risks and uncertainty and any number of
factors could cause actual results to differ materially from anticipated results
or  other  expectations  expressed  in  forward-looking  statements.  Management
cautions  readers  not  to  place  undue reliance on forward-looking statements,
which  are subject to influence by certain risk factors and unanticipated future
events.

                              RESULTS OF OPERATIONS

SUMMARY  (DOLLARS  IN  THOUSANDS)

Net  income  for  the  quarter  and nine months ended September 30, 2000 totaled
$7,479,  or  $7.94  per  common  share  and $20,952, or $22.22 per common share,
respectively.  Net  income  for  the quarter and nine months ended September 30,
1999 totaled $6,623, or $7.07 per common share and $18,151, or $19.59 per common
share,  respectively.

The  primary  factors affecting the increase in net income for the quarter ended
September 30, 2000 were a $3,041 or 12.79% increase in net interest income after
provision  for  loan  losses,  and  a  $1,645  or 19.31% increase in noninterest
income.  These  favorable  changes  were  partially offset by a $3,399 or 15.33%
increase  in  noninterest  expense,  and a $431 or 12.30% increase in income tax
expense.


                                     Page 6
<PAGE>
MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  RESULTS OF OPERATIONS AND FINANCIAL
CONDITION  (CONTINUED)

The  primary  factors  affecting  the increase in net income for the nine months
ended September 30, 2000 were a $8,165 or 11.77% increase in net interest income
after  provision for loan losses, and a $4,095 or 17.09% increase in noninterest
income.  These  favorable  changes  were  partially offset by a $8,070 or 12.31%
increase  in  noninterest expense, and a $1,389 or 14.40% increase in income tax
expense.

Return  on  average  stockholders' equity and average assets are key measures of
earnings  performance.  Return  on  average stockholders' equity for the quarter
ended  September  30,  2000  and  September  30,  1999  was  13.86%  and 13.85%,
respectively.  The increase was primarily the result of an increase in return on
assets  from  1.01%  to  1.02%  for  the  quarter  ended  September 30, 1999 and
September 30, 2000, respectively.  The increase in return on assets was due to a
1 basis point increase in net interest income after provision for loan losses to
average  assets.  Noninterest  income  to  average  assets  increased by 8 basis
points,  but  was offset by an increase of 8 basis points in noninterest expense
to  average  assets.

Return  on  average stockholders' equity for the nine months ended September 30,
2000  and  September 30, 1999 was 13.40% and 13.20%, respectively.  The increase
was  primarily  the  result of an increase in return on assets from .94% to .96%
for  the  nine  months  ended  September  30,  1999  and  September  30,  2000,
respectively.  The  increase  in  return  on  assets  was  partially offset by a
decline  in  the  equity  multiplier  (average  assets  to average stockholders'
equity)  from  14.04X  to  13.96X  at September 30, 1999 and September 30, 2000,
respectively.  The  increase in return on assets was primarily due to a decrease
in  noninterest expense to average assets of 2 basis points.  Noninterest income
to average assets increased by 4 basis points, but was offset by a 4 basis point
decline  in  net  interest  income  after  provision  for loan losses to average
assets.

Net  interest  income  is  discussed  in  the  following  section.

Table  1  provides  summary information on selected average balances and ratios.

TABLE  1:  SELECTED  SUMMARY  INFORMATION  (DOLLARS  IN  THOUSANDS)

<TABLE>
<CAPTION>
                                                                  AS OF AND FOR THE         AS OF AND FOR THE
                                                                    QUARTER ENDED           NINE MONTHS ENDED
                                                               ------------------------  ------------------------
AVERAGE BALANCES:                                                  2000         1999        2000         1999
                                                               -----------  -----------  -----------  -----------
<S>                                                            <C>          <C>          <C>          <C>
Total assets                                                   $2,945,526   $2,620,166   $2,897,810   $2,563,281
Interest-earning assets                                         2,703,103    2,402,370    2,654,756    2,348,425
Investment securities                                             674,777      662,347      676,953      649,492
Loans                                                           1,987,378    1,731,556    1,938,405    1,646,859
Deposits                                                        2,318,277    2,111,238    2,290,516    2,061,492
Noninterest-bearing deposits                                      425,725      385,074      416,461      367,922
Interest-bearing deposits                                       1,892,552    1,726,164    1,874,055    1,693,570
Interest-bearing liabilities                                    2,277,695    2,029,190    2,248,669    1,997,848
Stockholders' equity                                              215,813      191,354      208,405      183,357

RATIOS:
Return on average assets                                             1.02%        1.01%         .96%         .94%
Return on average stockholders' equity                              13.86%       13.85%       13.40%       13.20%

Return on average common stockholders' equity                       14.07%       14.09%       13.62%       13.44%

Net yield on average interest-earning assets (tax equivalent)        4.24%        4.29%        4.20%        4.23%
Average loans to average deposits                                   85.73%       82.02%       84.63%       79.89%
Nonperforming assets to total loans                                   .24%         .19%         .25%         .19%
Allowance for loan losses to total loans                             1.77%        1.80%        1.77%        1.80%

Allowance for loan losses to nonperforming assets                     N/A          N/A         7.30X       10.11X

Average stockholders' equity to average total assets                 7.33%        7.30%        7.19%        7.15%
Total risk-based capital ratio                                        N/A          N/A        13.80%       14.07%
Tier I risk-based capital ratio                                       N/A          N/A        12.21%       12.69%
Tier I leverage ratio                                                 N/A          N/A         8.36%        8.58%
</TABLE>

NET  INTEREST  INCOME  (DOLLARS  IN  THOUSANDS)

Net  interest  income  represents  the  principal  source  of  earnings  for
Bancorporation.  Tables 2 and 3 compare average balance sheet items and analyzes
net  interest  income on a tax equivalent basis for the quarters and nine months
ended  September  30,  2000  and  1999.



                                     Page 7
<PAGE>
<TABLE>
<CAPTION>

TABLE  2:  COMPARATIVE AVERAGE BALANCE SHEETS AND TAXABLE EQUIVALENT RATE/VOLUME
VARIANCE  (DOLLARS  IN  THOUSANDS)

                                 AS OF AND FOR THE QUARTER ENDED SEPTEMBER 30,
                                ---------------------------------------------
                                                                                             Change Due to(2)
                                                                                 Yield/      ----------------
                                      Average Balance     Interest Inc/Exp(1)     Rate       Yield            Net
                                ------------------------  -----------------  -------------                    Increase
                                   2000         1999        2000     1999     2000    1999    /Rate   Volume  (Decrease)
                                -----------  -----------  --------  -------  -------  -----  -------  -------  --------
<S>                             <C>          <C>          <C>       <C>      <C>      <C>    <C>      <C>      <C>
INTEREST-EARNING ASSETS:
Loans (3)                       $1,987,378   $1,731,556   $43,438   $35,984    8.70%  8.24%  $1,890   $5,564   $7,454
Investment securities:
  Taxable                          649,636      636,405     9,336     7,942    5.72   4.95    1,205      189    1,394
  Non-taxable                       25,141       25,942       528       549    8.40   8.47       (4)     (17)     (21)
Federal funds sold                  40,948        8,467       676       124    6.57   5.81       18      534      552
                                -----------  -----------  --------  -------                  -------  -------  -------
Total interest-earning
 assets                          2,703,103    2,402,370    53,978    44,599    7.94   7.37    3,109    6,270    9,379
                                -----------  -----------  --------  -------                  -------  -------  -------
NONINTEREST-EARNING
 ASSETS:
Cash and due from banks            113,320      107,952
Premises and equipment              86,806       82,179
Other, less allowance for
  loan losses                       42,297       27,665
                                -----------  -----------

Total noninterest-earning
assets                             242,423      217,796
                                -----------  -----------

TOTAL ASSETS                    $2,945,526   $2,620,166
                                -----------  -----------

INTEREST-BEARING LIABILITIES:
Deposits                        $1,892,552   $1,726,164   $19,269   $14,861    4.05   3.42   $2,723   $1,685   $4,408
Federal funds purchased and
 securities sold under
 agreements to repurchase          334,180      252,586     5,029     2,944    5.99   4.62      863    1,222    2,085
Long-term debt                      50,963       50,440     1,025     1,037    8.05   8.22      (23)      11      (12)
                                -----------  -----------  --------  -------                  -------  -------  -------

Total interest-bearing
  liabilities                    2,277,695    2,029,190    25,323    18,842    4.42   3.69    3,563    2,918    6,481
                                -----------  -----------  --------  -------                  -------  -------  -------

NONINTEREST-BEARING
LIABILITIES:
Demand deposits                    425,725      385,074
Other liabilities                   26,293       14,548
                                -----------  -----------

Total noninterest-bearing
  liabilities                      452,018      399,622
                                -----------  -----------

Stockholders' equity               215,813      191,354
                                -----------  -----------

TOTAL LIABILITIES AND
STOCKHOLDERS' EQUITY            $2,945,526   $2,620,166
                                ===========  ===========
Interest rate spread                                                           3.52%  3.68%
                                                                             =======  =====
Net interest margin:                                      $28,655   $25,757                   ($454)  $3,352    $2,898
                                                          ========  =======                  =======  =======  =======
 to average assets                                                             3.89%  3.93%
                                                                             =======  =====
 to average interest-earning
   assets                                                                      4.24%  4.29%
                                                                             =======  =====
<FN>
(1)  Non-taxable  interest income has been adjusted to a taxable equivalent rate, using the federal income tax rate of
     35%.
(2)  Yield/rate-volume  changes  have  been  allocated  to  each category based on the percentage of each to the total
     change.
(3)  Nonaccrual loans  are  included  in the average loan balances.  Interest income on nonaccrual loans is generally
     recognized on a cash  basis.
</TABLE>


                                     Page 8
<PAGE>
<TABLE>
<CAPTION>
TABLE 3: COMPARATIVE AVERAGE BALANCE SHEETS AND TAXABLE EQUIVALENT RATE/VOLUME VARIANCE (DOLLARS IN THOUSANDS)


                                      AS OF AND FOR THE NINE MONTHS ENDED SEPTEMBER 30,
                                      -------------------------------------------------
                                                                                 Yield/       Change Due to(2)
                                    Average  Balance     Interest  Inc/Exp(1)     Rate        ----------------      Net
                               ------------------------  -------------------  --------------   Yield              Increase
                                  2000         1999        2000       1999     2000    1999    /Rate    Volume   (Decrease)
                               -----------  -----------  ---------  --------  -------  -----  -------  --------  -----------
<S>                            <C>          <C>          <C>        <C>       <C>      <C>    <C>      <C>       <C>
INTEREST-EARNING ASSETS:
Loans (3)                      $1,938,405   $1,646,859   $124,671   $102,715    8.59%  8.34%  $3,173   $18,783   $   21,956
Investment securities:
  Taxable                         649,739      625,067     27,202     23,768    5.59   5.08    2,400     1,034        3,434
  Non-taxable                      27,214       24,425      1,689      1,574    8.28   8.59      (58)      173          115
Federal funds sold                 39,398       52,074      1,763      1,908    5.98   4.90      424      (569)        (145)
                               -----------  -----------  ---------  --------                  -------  --------  -----------

Total interest-earning
  assets                        2,654,756    2,348,425    155,325    129,965    7.82   7.40    5,939    19,421       25,360
                               -----------  -----------  ---------  --------                  -------  --------  -----------
NONINTEREST-EARNING
ASSETS:
Cash and due from banks           114,830      107,188
Premises and equipment             86,153       81,240
Other, less allowance
  for loan losses                  42,071       26,428
                               -----------  -----------

Total noninterest-
  earning assets                  243,054      214,856
                               -----------  -----------

TOTAL ASSETS                   $2,897,810   $2,563,281
                               -----------  -----------

INTEREST-BEARING
LIABILITIES:
Deposits                       $1,874,055   $1,693,570   $ 54,552   $ 43,715    3.89   3.45   $5,571   $ 5,266   $   10,837
Federal funds purchased and
 Securities sold under
 agreements to repurchase         323,651      254,130     13,940      8,670    5.75   4.56    2,272     2,998        5,270
Long-term debt                     50,963       50,148      3,149      3,100    8.24   8.24       (1)       50           49
                               -----------  -----------  ---------  --------                  -------  --------  -----------

Total interest-bearing
  liabilities                   2,248,669    1,997,848     71,641     55,485    4.26   3.71    7,842     8,314       16,156
                               -----------  -----------  ---------  --------                  -------  --------  -----------

NONINTEREST-BEARING
LIABILITIES:
Demand deposits                   416,461      367,922
Other liabilities                  24,274       14,154
                               -----------  -----------

Total noninterest-bearing
  liabilities                     440,735      382,076
                               -----------  -----------

Stockholders' equity              208,406      183,357
                               -----------  -----------

TOTAL LIABILITIES AND
STOCKHOLDERS' EQUITY           $2,897,810   $2,563,281
                               ===========  ===========

Interest rate spread                                                            3.56%  3.69%
                                                                               ======  ======
Net interest margin:                                      $83,684   $ 74,480                 ($1,903)  $11,107      $ 9,204
                                                          =======   ========                 ========  =======      =======
 to average assets                                                              3.85%  3.87%
                                                                               ======  =====
 to average interest-earning
   assets                                                                       4.20%  4.23%
                                                                               ======  =====
<FN>
(1)  Non-taxable  interest  income has been adjusted to a taxable equivalent rate, using the federal income tax rate of 35%.
(2)  Yield/rate-volume  changes  have  been  allocated to each category based on the percentage of each to the total change.
(3)  Nonaccrual  loans  are  included  in  the  average  loan  balances.  Interest  income  on nonaccrual loans is generally
     recognized on a  cash  basis.
</TABLE>


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

NET INTEREST INCOME (CONTINUED)

Current Quarter compared to Prior Year Quarter
----------------------------------------------
Net interest income on a tax equivalent basis increased $2,898 or 11.25% for the
quarter  ended  September  30,  2000,  over  the comparable period in 1999.  Net
interest  margin to average assets decreased from 3.93% at September 30, 1999 to
3.89%  at  September 30, 2000.  This is attributable to a 5 basis point decrease
in the net interest margin to average interest-earning assets (4.24% compared to
4.29%  for  the same comparable periods), offset partially by improvement in the
ratio  of  earning  assets  to average total assets from 91.69% at September 30,
1999  to  91.77%  at  September  30,  2000.

Net  interest  margin to average interest-earning assets decreased from 4.29% at
September  30,  1999 to 4.24% at September 30, 2000.  This was attributable to a
decline  in the net interest spread from 3.68% at September 30, 1999 to 3.52% at
September 30, 2000, partially offset by improvement in the net interest position
from  15.53% at September 30, 1999 to 15.74% at September 30, 2000.  The decline
in  the  net  interest  spread  was  due  to  the  increase  in  the  cost  of
interest-bearing  liabilities  exceeding  the  increase  in  interest  earned on
interest-earning  assets.  The  cost  of  interest-bearing liabilities increased
from  3.69%  at  September  30, 1999 to 4.42% at September 30, 2000, or 73 basis
points,  while  the  yield  on  interest-earning  assets increased from 7.37% to
7.94%,  or  57  basis  points.  The  increase  in  the  cost of interest-bearing
liabilities was due to an increase in the rates paid on deposits (primarily CDs)
and repurchase agreements.  The increase in the yield on interest-earning assets
was due to an increase in the yields on loans, investment securities and federal
funds  sold.

Current  year-to-date  period  compared  to  Prior  year-to-date  period
------------------------------------------------------------------------
Net interest income on a tax equivalent basis increased $9,204 or 12.36% for the
nine  months  ended September 30, 2000, over the comparable period in 1999.  Net
interest  margin to average assets was relatively consistent for the nine months
ended  September  30,  2000  and  September  30,  1999  at  3.85%  and  3.87%,
respectively.  This  is  attributable to net interest margin to interest-earning
assets  (4.20% compared to 4.23% for the same comparable periods) and the mix of
interest-earning  assets  to  average  assets  remaining  relatively  stable.

Net  interest  margin  to  average interest-earning assets was relatively stable
despite a decline in the net interest spread from 3.69% at September 30, 1999 to
3.56%  at  September  30, 2000.  This was attributable to improvement in the net
interest  position  from 14.93% at September 30, 1999 to 15.30% at September 30,
2000.  The  decline  in  the  net interest spread was due to the increase in the
cost  of  interest-bearing liabilities exceeding the increase in interest earned
on  interest-earning assets.  The cost of interest-bearing liabilities increased
from  3.71%  at  September  30, 1999 to 4.26% at September 30, 2000, or 55 basis
points,  while  the  yield  on  interest-earning  assets increased from 7.40% at
September  30,  1999  to  7.82%  at September 30, 2000, or 42 basis points.  The
increase  in  the cost of interest-bearing liabilities was due to an increase in
the  rates  paid  on  deposits  (primarily  CDs) and repurchase agreements.  The
increase  in  the yield on interest-earning assets was due to an increase in the
yield  on  loans,  investment  securities  and  federal  funds  sold.

NONINTEREST INCOME AND EXPENSE (DOLLARS IN THOUSANDS)

Current  Quarter  compared  to  Prior  Year  Quarter
----------------------------------------------------
Noninterest income increased by $1,645 or 19.31% for the quarter ended September
30, 2000, over the comparable period in 1999 due to increases in service charges
on  deposits,  commissions and fees from fiduciary activities and bankcard fees.
Service  charges  on  deposits  increased  by  $485 or 9.68% over the comparable
period  primarily  due  to overall deposit growth. Additionally, commissions and
fees  from  fiduciary  and  bankcard activities increased by $117 or  23.59% and
$182  or  16.41%,  respectively.

Noninterest  expense  increased  by  $3,399  or  15.33%  for  the  quarter ended
September  30,  2000  over  the  comparable  period  in 1999 due to increases in
salaries  and  employee  benefits,  amortization of intangibles, data processing
expense  and  bankcard  processing  expense.  Salaries  and  employee  benefits
increased  $1,483  or  14.64%  over  the  comparable  period primarily due to an
increase in the number of employees, the addition of Exchange Bank employees and
merit  increases.  Amortization  of intangibles increased by $519 or 41.35% over
the comparable period due to the goodwill related to the acquisition of Exchange
Bank  and other branches.  Data processing expense increased $226 or 12.24% over
the  comparable  period  due  to the on-going growth realized by Bancorporation.
Bankcard  processing  expense  increased  by  $100  or 8.55% over the comparable
period  due to increased bankcard activity.  These changes were partially offset
by  a  $69  or  11.37%  decline in professional services.  Professional services
expense was higher in 1999 due to services performed by third parties related to
Year  2000  issues.


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

NONINTEREST INCOME AND EXPENSE (CONTINUED)

Current year-to-date period compared to Prior year-to-date period
-----------------------------------------------------------------
Noninterest  income  increased  by  $4,095  or  17.09% for the nine months ended
September  30,  2000,  over  the  comparable  period in 1999 due to increases in
service  charges on deposits, commissions and fees from fiduciary activities and
bankcard  fees.  Service  charges on deposits increased by $2,345 or 17.07% over
the  comparable  period  primarily  due to overall deposit growth. Additionally,
commissions and fees from fiduciary and bankcard activities increased by $594 or
46.44%  and  $545  or  18.54%,  respectively.

Noninterest  expense  increased  by  $8,070  or 12.31% for the nine months ended
September  30,  2000  over  the  comparable  period  in 1999 due to increases in
salaries  and  employee  benefits,  amortization of intangibles, data processing
expense  and  bankcard  processing  expense.  Salaries  and  employee  benefits
increased  $4,011  or  13.16%  over  the  comparable  period primarily due to an
increase in the number of employees, the addition of Exchange Bank employees and
merit  increases.  Amortization  of intangibles increased by $872 or 21.43% over
the comparable period due to the goodwill related to the acquisition of Exchange
Bank  and  other  branches  recorded  since September 30, 1999.  Data processing
expense  increased $740 or 14.17% over the comparable period due to the on-going
growth  realized  by  Bancorporation.  Bankcard  processing expense increased by
$380  or  11.80%  over the comparable period due to increased bankcard activity.

Overall, the noninterest margin (noninterest income less noninterest expense) to
average  assets  improved  from  a  negative  2.16%  for  the  nine months ended
September  30,  1999 to a negative 2.10% for the nine months ended September 30,
2000.  This  was  due  to  a  2  basis point decrease in non-interest expense to
average  assets  and  a  4 basis point increase in noninterest income to average
assets.  This factor had the most measurable impact on the improvement in return
on  assets  for  the  comparable  periods.

INCOME  TAXES  (DOLLARS  IN  THOUSANDS)

Total  income  tax  expense  increased  by  $431 or 12.30% for the quarter ended
September 30, 2000 over the comparable period in 1999 due to the increase in net
income.  Total  income  tax  expense  increased by $1,389 or 14.40% for the nine
months  ended  September  30, 2000 over the comparable period in 1999 due to the
increase in net income.  The effective tax rate was 34.5% and 34.6% at September
30,  2000  and  September  30,  1999,  respectively.

                               FINANCIAL CONDITION


INVESTMENT  SECURITIES  (DOLLARS  IN  THOUSANDS)

As of September 30, 2000, the investment portfolio totaled $703,517, compared to
$610,884 at September 30, 1999. As bonds matured during the latter part of 1999,
they  were  invested  in  federal  funds sold to provide liquidity for potential
issues  related  to  Y2K.  Since  December 31, 1999, Bancorporation invested the
excess federal funds sold in investment securities.  Bancorporation continues to
invest  primarily  in short-term U.S. government obligations to minimize credit,
interest  rate  and  liquidity risk.  During the nine months ended September 30,
2000, Bancorporation purchased $85,000 of Federal Home Loan Bank ("FHLB") bonds.
The  FHLB  is a Aaa-rated government sponsored agency.  The investment portfolio
consisted  of 92.52% and 90.61% U.S. government and government agency securities
as of September 30, 2000 and September 30, 1999, respectively.  The remainder of
the  investment  portfolio  consists  of  municipal bonds and equity securities.

LOANS  AND  THE  ALLOWANCE  FOR  LOAN  LOSSES  (DOLLARS  IN  THOUSANDS)

As  of  September  30,  2000, loans totaled $2,005,306 compared to $1,798,532 at
September  30,  1999, an increase of $206,774, or 11.50%, which is the result of
normal  loan  growth and acquisitions.  Between September 30, 1999 and September
30,  2000,  approximately  $35,443  of  loans were acquired from other financial
institutions.  The  composition  of  the  loan  portfolio  has  not  shifted
significantly  since  September  30,  1999.  Loan  growth  was  primarily funded
through  core  deposits  and  short-term  borrowed  funds.


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

LOANS AND THE ALLOWANCE FOR LOAN LOSSES (CONTINUED)

It  is  the  policy  of  Bancorporation to maintain an allowance for loan losses
which  is  adequate  to  absorb  probable losses inherent in the loan portfolio.
Management  believes  that  the  provision  taken  during  the nine months ended
September 30, 2000 was appropriate to provide an allowance for loan losses which
considers  the  past  experience  of  charge-offs,  the  level  of  past due and
nonaccrual loans, the size and mix of the loan portfolio, credit classifications
and  general  economic  conditions  in  Bancorporation's  market  areas.

An  analysis  of  activity  in the allowance for loan losses as of September 30,
2000  and  1999 is presented below.  The allowance for loan losses is maintained
through  charges  to  the  provision  for  loan  losses.  Loan  charge-offs  and
recoveries  are  charged  or  credited  directly  to  the  allowance  for  loan
losses.

<TABLE>
<CAPTION>
                                   AS OF AND FOR THE   AS OF AND FOR THE
                                     QUARTER ENDED     NINE MONTHS ENDED
                                      SEPTEMBER 30,      SEPTEMBER 30,
                                  ------------------  -------------------
ALLOWANCE FOR LOAN LOSSES:           2000      1999      2000     1999
                                  --------  --------  --------  ---------
<S>                               <C>       <C>       <C>       <C>
Balance at beginning of period    $ 35,437  $ 30,037   $32,972  $ 28,306
Addition related to acquisitions        --     1,113       586     1,113
Provision for loan losses            1,477     1,630     4,444     4,110
                                  --------  --------  --------  ---------
Charge-offs                         (1,705)     (704)   (3,545)   (2,213)
Recoveries                             327       325     1,079     1,085
                                  --------  --------  --------  ---------
Net charge-offs                    (1,378)      (379)   (2,466)   (1,128)
                                  --------  --------  --------  ---------
Balance at end of period          $ 35,536  $ 32,401   $35,536   $32,401
                                  --------  --------  --------  ---------

Nonperforming assets              $  4,869  $  3,205   $ 4,869   $ 3,205

Annualized net charge-offs to:
Average loans                          .28%      .09%      .17%      .09%
Loans at end of period                 .27%      .08%      .16%      .08%
Allowance for loan losses            15.51%     4.68%     9.25%     4.64%
</TABLE>

FUNDING  SOURCES  (DOLLARS  IN  THOUSANDS)

Bancorporation's  primary  source  of funds is its deposit base.  Total deposits
increased  $175,713  or  by 8.24% from September 30, 1999 to September 30, 2000.
Between  September  30,  1999  and September 30, 2000, approximately  $75,912 of
deposits were acquired from other financial institutions.  Average deposits were
$2,290,516  and  $2,061,492  at  September  30,  2000  and  September  30, 1999,
respectively.

Short-term borrowings in the form of repurchase agreements are another source of
funds.  Short-term  borrowings increased $91,298 or by 35.89% from September 30,
1999  to  September  30,  2000.  Average short-term borrowings were $323,651 and
$254,130  at  September  30,  2000  and  September 30, 1999, respectively.  This
growth  is  primarily  attributable  to  repurchase  agreements.

CAPITAL  RESOURCES

Regulatory agencies define capital as Tier I, consisting of stockholders' equity
less  ineligible  intangible  assets,  and  Total  Capital, consisting of Tier I
capital  plus the allowable portion of the allowance for loan losses and certain
long-term  debt.

Regulatory  guidelines require a minimum ratio of total capital to risk-adjusted
assets  of  8  percent,  with  at least 50 percent consisting of tangible common
stockholders'  equity  and  a minimum Tier I leverage ratio of 3 percent.  Banks
which  meet  or  exceed a Tier I ratio of 6 percent, a total capital ratio of 10
percent,  and  a  Tier  I  leverage  ratio  of  5  percent  are  considered
well-capitalized  by  regulatory  standards.  The  following  table  details
Bancorporation's  capital  ratios  at  September  30,  2000  and  1999.


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

CAPITAL  RESOURCES  (CONTINUED)

CAPITAL  RATIOS                     September  30,
                                  -----------------
                                    2000     1999
                                  -------  --------
Tier I leverage ratio               8.36%     8.58%
Total risk-based capital ratio     13.80%    14.07%
Tier I                             12.21%    12.69%
Tier II                             1.59%     1.38%


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  10-K  for  the  year  ended  December  31,  1999.


                                    Page 13
<PAGE>
                           PART II - OTHER INFORMATION

Item  1.  Legal  Proceedings

Bancorporation  and  its  subsidiaries,  are not parties to, nor is any of their
property  the  subject of, any material or other pending legal proceeding, other
than  ordinary  routine  proceedings  incidental  to  their  business.

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

Not  Applicable.

Item  6.  Exhibits  and  Reports  on  Form  8-K

(a)  Exhibits  -  The  following   exhibits  are  either   attached   hereto  or
     incorporated by reference:

     3.1  Articles of Incorporation  of the Registrant as amended  (incorporated
          herein by  reference  to Exhibit 3.1 of the  Registrant's  1994 Annual
          Report on Form 10-K).

     3.3  Bylaws of the Registrant as amended  (incorporated herein by reference
          to Exhibit 3.3 of the Registrant's 1999 Annual Report on Form 10-K).

     4.1  Amended  and  Restated  Trust  Agreement  of  FCB/SC  Capital  Trust I
          (incorporated  herein by  reference  to  Exhibit  4.1 of  Registrant's
          Statement No. 333-60319 filed with the SEC on July 31, 1998).

     4.2  Form of  Guaranty  Agreement  (incorporated  herein  by  reference  to
          Exhibit 4.2 of Registrant's registration Statement No. 333-60319 filed
          with the SEC on July 31, 1998).

     4.3  Junior  Subordinated  Indenture  between  Registrant and Bankers Trust
          Company,  as Debenture  Trustee  (incorporated  herein by reference to
          Exhibit 4.3 of registrant's Registration Statement No. 333-60319 filed
          with the SEC on July 31, 1998).

     4.4  Form of Certificate evidencing Capital Securities (incorporated herein
          by reference to Exhibit 4.5 in the Registrant's Registration Statement
          No. 333-60319 filed with the SEC on July 31, 1998).

     4.5  Form  of  Junior  Subordinated   Debenture   (incorporated  herein  by
          reference to Exhibit 4.6 in the  Registrant's  Registration  Statement
          No. 333-60319 filed with the SEC on July 31, 1998).

     11   Statement re computation of per share earnings (filed herewith).

     27   Financial Data Schedule (filed herewith).

(b)  No reports  on Form 8-K were  filed  during  the  quarter  ended  September
     30,2000


                                    Page 14
<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: November 14,  2000                 By:/S/ Craig  L.  Nix
       ------------------                    -----------------------------------
                                             Craig L. Nix, Senior Vice President
                                             (Controller)


                                    Page 15
<PAGE>