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 March 31, 2003             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) 733-2659
                                                      --------------

                                    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  by  check  mark  whether  the  Registrant  is an accelerated filer (as
defined  in  Rule  12b-2  of  the  Act).  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 April 30, 2003
                -----                          -----------------------------

     VOTING COMMON STOCK, $5.00 PAR VALUE               872,857 SHARES
     NON-VOTING COMMON STOCK, $5.00 PAR VALUE            36,409 SHARES


<PAGE>
                                           PART I - FINANCIAL INFORMATION
ITEM 1. FINANCIAL STATEMENTS

<TABLE>
<CAPTION>
FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC. AND SUBSIDIARIES
--------------------------------------------------------------------------------------------------------------------
CONSOLIDATED STATEMENTS OF CONDITION - UNAUDITED (DOLLARS IN THOUSANDS, EXCEPT PAR VALUES)


                                                                             MARCH 31,    DECEMBER 31,    MARCH 31,
                                                                               2003           2002          2002
                                                                            -----------  --------------  -----------
<S>                                                                         <C>          <C>             <C>
ASSETS
Cash and due from banks                                                     $  153,078   $     165,747   $  145,881
Federal funds sold                                                             236,324         121,626      205,400
                                                                            -----------  --------------  -----------
Total cash and cash equivalents                                                389,402         287,373      351,281
                                                                            -----------  --------------  -----------
Investment securities:
  Held-to-maturity, at amortized cost (fair value March 31, 2003-$30,732;
    December 31, 2002-$35,268; and March 31, 2002-$22,318)                      30,046          34,543       21,765
  Available-for-sale, at fair value                                            883,161         881,327      917,335
                                                                            -----------  --------------  -----------
Total investment securities                                                    913,207         915,870      939,100
                                                                            -----------  --------------  -----------

Gross loans                                                                  2,413,447       2,415,396    2,229,677
  Less: Allowance for loan losses                                              (43,304)        (43,305)     (39,722)
                                                                            -----------  --------------  -----------
Net loans                                                                    2,370,143       2,372,091    2,189,955
                                                                            -----------  --------------  -----------
Premises and equipment                                                         111,990         110,472       97,710
Interest receivable                                                             17,071          17,696       21,180
Intangible assets                                                               43,512          45,478       46,688
Other assets                                                                    39,608          38,896       36,457
                                                                            -----------  --------------  -----------
     TOTAL ASSETS                                                           $3,884,933   $   3,787,876   $3,682,371
                                                                            ===========  ==============  ===========

LIABILITIES AND STOCKHOLDERS' EQUITY
LIABILITIES:
Deposits:
  Demand                                                                    $  621,313   $     575,632   $  532,768
  Time and savings                                                           2,724,317       2,700,376    2,588,476
                                                                            -----------  --------------  -----------
Total deposits                                                               3,345,630       3,276,008    3,121,244

Securities sold under agreements to repurchase                                 146,558         130,360      205,161
Long-term debt                                                                  52,139          52,139       50,963
Other liabilities                                                               29,987          25,785       28,971
                                                                            -----------  --------------  -----------
     TOTAL LIABILITIES                                                       3,574,314       3,484,292    3,406,339
                                                                            -----------  --------------  -----------
     Commitments and contingencies                                                  --              --           --

STOCKHOLDERS' EQUITY:
  Preferred stock                                                                3,173           3,173        3,176
  Non-voting common stock - $5.00 par value, authorized
    1,000,000; issued and outstanding March 31, 2003,
    December 31, 2002 and March 31, 2002 - 36,409                                  182             182          182
  Voting common stock - $5.00 par value, authorized 2,000,000;
    issued and outstanding March 31, 2003 - 872,857;
   December 31, 2002 - 874,835; and March 31, 2002 - 884,040                     4,364           4,374        4,420
  Surplus                                                                       65,081          65,081       65,081
  Undivided profits                                                            220,217         211,264      187,698
  Accumulated other comprehensive income, net of taxes                          17,602          19,510       15,475
                                                                            -----------  --------------  -----------
     TOTAL STOCKHOLDERS' EQUITY                                                310,619         303,584      276,032
                                                                            -----------  --------------  -----------
     TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                             $3,884,933   $   3,787,876   $3,682,371
                                                                            ===========  ==============  ===========
<FN>
                             SEE ACCOMPANYING NOTES TO THESE CONSOLIDATED FINANCIAL STATEMENTS.
</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
                                                               QUARTER ENDED
                                                                 MARCH 31,
                                                            ------------------
                                                              2003      2002
                                                            --------  --------
<S>                                                         <C>       <C>
INTEREST INCOME:
  Interest and fees on loans                                $ 40,163  $ 41,971
  Interest on investment securites:
    Taxable                                                    6,985    10,034
    Non-taxable                                                  143       163
  Federal funds sold                                             626       798
                                                            --------  --------
Total interest income                                         47,917    52,966
                                                            --------  --------

INTEREST EXPENSE:
  Interest on deposits                                        11,193    15,366
  Interest on short-term borrowings                              360       818
  Interest on long-term debt                                   1,079     1,050
                                                            --------  --------
Total interest expense                                        12,632    17,234
                                                            --------  --------

Net interest income                                           35,285    35,732
Provision for loan losses                                        938       889
                                                            --------  --------
Net interest income after
  provision for loan losses                                   34,347    34,843
                                                            --------  --------

NONINTEREST INCOME:
  Service charges on deposits                                  7,941     7,024
  Commissions and fees from fiduciary activities                 810       849
  Fees for other customer services                               376       402
  Mortgage income                                              1,609       893
  Bankcard discount and fees                                   1,413     1,262
  Insurance premiums                                             527       298
  Other                                                          530       470
                                                            --------  --------
Total noninterest income                                      13,206    11,198
                                                            --------  --------

NONINTEREST EXPENSE:
  Salaries and employee benefits                              16,760    14,254
  Net occupancy expense                                        2,604     2,088
  Furniture and equipment expense                              1,577     1,421
  Bankcard processing fees                                     1,511     1,372
  Data processing fees                                         2,721     2,541
  Amortization expense                                         1,827     2,178
  Other                                                        5,083     5,391
                                                            --------  --------
Total noninterest expense                                     32,083    29,245
                                                            --------  --------
Income before income tax expense                              15,470    16,796
Income tax expense                                             5,507     5,627
                                                            --------  --------
NET INCOME                                                  $  9,963  $ 11,169
                                                            ========  ========

NET INCOME PER COMMON SHARE -
   BASIC AND DILUTED                                        $  10.91  $  12.07
WEIGHTED AVERAGE COMMON
   SHARES OUTSTANDING-BASIC AND DILUTED                      909,599   922,038
<FN>

       SEE ACCOMPANYING NOTES TO THESE CONSOLIDATED FINANCIAL STATEMENTS.
</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
(DOLLARES 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, 2001     $    3,201   $   182  $ 4,448   $ 65,081  $  178,399   $       19,604   $ 270,915
Comprehensive income:
  Net income                                                                   11,169                       11,169
  Change in unrealized gain
     on investment securities
     available-for-sale, net of
     benefit of $2,080                                                                          (4,129)     (4,129)
                                                                                                         ----------
Total comprehensive income                                                                                   7,040
                                                                                                         ----------
Reacquired preferred stock              (25)                                        8                          (17)
Reacquired voting common stock                             (28)                (1,613)                      (1,641)
Common stock dividends                                                           (224)                        (224)
Preferred stock dividends                                                         (41)                         (41)
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
Balance at March 31, 2002             3,176       182    4,420     65,081     187,698           15,475     276,032
Comprehensive income:
  Net income                                                                   27,879                       27,879
  Change in unrealized gain
     on investment securities
     available-for-sale, net of
     taxes of $2,131                                                                             4,035       4,035
                                                                                                         ----------
Total comprehensive income                                                                                  31,914
                                                                                                         ----------
Reacquired preferred stock               (3)                                      (11)                         (14)
Reacquired voting common stock                             (46)                (3,505)                      (3,551)
Common stock dividends                                                           (673)                        (673)
Preferred stock dividends                                                        (124)                        (124)
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
Balance at December 31, 2002          3,173       182    4,374     65,081     211,264           19,510     303,584
Comprehensive income:
  Net income                                                                    9,963                        9,963
  Change in unrealized gain
     on investment securities
     available-for-sale, net of
     benefit of $1,027                                                                          (1,908)     (1,908)
                                                                                                         ----------
Total comprehensive income                                                                                   8,055
                                                                                                         ----------
Reacquired voting common stock                             (10)                  (751)                        (761)
Common stock dividends                                                           (218)                        (218)
Preferred stock dividends                                                         (41)                         (41)
                                 -----------  -------  --------  --------  -----------  ---------------  ----------
Balance at March 31, 2003        $    3,173   $   182  $ 4,364   $ 65,081  $  220,217   $       17,602   $ 310,619
                                 ===========  =======  ========  ========  ===========  ===============  ==========
<FN>
                         SEE ACCOMPANYING NOTES TO THESE CONSOLIDATED FINANCIAL STATEMENTS.
</TABLE>


                                     Page 4
<PAGE>
<TABLE>
<CAPTION>
FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC. AND SUBSIDIARIES
----------------------------------------------------------------------------------------------------------
CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED (DOLLARS IN THOUSANDS)

                                                                                            FOR THE
                                                                                       THREE MONTHS ENDED
                                                                                           MARCH 31,
                                                                                     ---------------------
                                                                                       2003        2002
                                                                                     ---------  ----------
<S>                                                                                  <C>        <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
  Net income                                                                         $  9,963   $  11,169
  Adjustments to reconcile net income to net cash provided
    by operating activities:
    Provision for loan losses                                                             938         889
    Depreciation and amortization                                                       4,894       4,260
    Amortization of premium on investment securities                                      203         318
    Deferred income tax expense (benefit)                                                  44        (125)
    (Gain) loss on sale of premises and equipment                                         (75)         53
    Decrease (increase) in accrued interest receivable                                    625      (1,169)
    Decrease in accrued interest payable                                                 (556)     (6,410)
    Origination of mortgage loans held-for-resale                                     (99,177)    (71,748)
    Proceeds from sales of mortgage loans held-for-resale                              96,133     105,571
    Gain on sales of mortgage loans held-for-resale                                    (1,603)       (371)
    Decrease (increase) in other assets                                                   718      (1,917)
    Increase in other liabilities                                                       4,758      11,557
                                                                                     ---------  ----------
  NET CASH PROVIDED BY OPERATING ACTIVITIES                                            16,865      52,077
                                                                                     =========  ==========

CASH FLOWS FROM INVESTING ACTIVITIES:
    Net decrease (increase) in loans                                                    4,805      (3,353)
    Calls, maturities and prepayments of investment securities, held-to-maturity        4,294       1,226
    Calls, maturities and prepayments of investment securities, available-for-sale     92,326      78,535
    Purchases of investment securities, available-for-sale                            (97,095)   (125,633)
    Proceeds from sales of premises and equipment                                          78        (153)
    Purchases of premises and equipment                                                (3,758)     (1,987)
    (Increase) decrease in other real estate owned                                       (447)        131
    Decrease (increase) in intangible assets                                              161        (964)
                                                                                     ---------  ----------
      NET CASH USED IN INVESTING ACTIVITIES                                               364     (52,198)
                                                                                     =========  ==========

CASH FLOWS FROM FINANCING ACTIVITIES:
    Net increase in deposits                                                           69,622     106,289
    Increase (decrease) in federal funds purchased and securities sold
      under agreements to repurchase                                                   16,198      (8,862)
    Cash dividends paid                                                                  (259)       (265)
    Cash paid to reacquire preferred stock                                                  -         (17)
    Cash paid to reacquire common stock                                                  (761)     (1,641)
                                                                                     ---------  ----------
      NET CASH PROVIDED BY FINANCING ACTIVITIES                                        84,800      95,504
                                                                                     =========  ==========

NET INCREASE IN CASH AND CASH EQUIVALENTS                                             102,029      95,383
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD                                      287,373     255,898
                                                                                     ---------  ----------
CASH AND CASH EQUIVALENTS AT END OF PERIOD                                           $389,402   $ 351,281
                                                                                     =========  ==========
</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 Annual Report on
Form 10-K for 2002.  The significant accounting policies used during the current
quarter  are  unchanged  from  those  disclosed  in  the  2002  Annual  Report.

BASIS OF PRESENTATION

The  accompanying unaudited consolidated financial statements have been prepared
in accordance with accounting principles generally accepted in the United States
for  interim  financial  preparation. In the opinion of management, all material
adjustments necessary to present fairly the financial position of Bancorporation
as  and for each of the periods presented, and 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 2003 presentation.  Such reclassifications
had  no  effect  on  shareholders'  equity  or  net  income.

NEW ACCOUNTING STANDARDS

In  June  2002, the FASB issued SFAS No. 147, "Acquisitions of Certain Financial
Institutions,  an amendment of FASB Statements No. 72 and 144 and Interpretation
No.  9."  Except  for  transactions between two or more mutual enterprises, this
Statement removes financial institutions from the scope of both Statement No. 72
and  Interpretation  9  and requires that those transactions be accounted for in
accordance  with  SFAS No. 141 and 142. Additionally, this Statement amends SFAS
No.  144  to  include  in  its  scope long-term customer-relationship intangible
assets of financial institutions. Bancorporation adopted the Statement effective
October  1,  2002,  and  it  did  not have a material impact on Bancorporation's
financial  position  or  results  of  operations.

In  November  2002,  the  FASB  issued  FASB Interpretation No. 45, "Guarantor's
Accounting  and  Disclosure  Requirements  for  Guarantees,  Including  Indirect
Guarantees  of  Indebtedness  of  Others."  The Interpretation elaborates on the
disclosures  to be made by a guarantor in its financial statements under certain
guarantees that it has issued. It also clarifies that a guarantor is required to
recognize,  at  the  inception of a guarantee, a liability for the fair value of
the  obligation undertaken in issuing the guarantee. The disclosure requirements
of  the  Interpretation  are  effective and were adopted by Bancorporation as of
December  31,  2002,  and require disclosure of the nature of the guarantee, the
maximum potential amount of future payments that the guarantor could be required
to  make  under  the guarantee, and the current amount of the liability, if any,
for the guarantor's obligations under the guarantee. Please refer to Note 15 for
disclosures  with  respect  to  Bancorporation's  guarantees.  The  recognition
requirements  of  the  interpretation  were effective beginning January 1, 2003.
Management  does  not  anticipate  that  the  implementation  of the recognition
requirements  of  the  Interpretation  will  have  a  significant  effect  on
Bancorporation's  consolidated  financial  position  or  consolidated results of
operations.

CRITICAL ACCOUNTING POLICIES

The accounting and reporting policies of Bancorporation and its subsidiaries are
in accordance with accounting principles generally accepted in the United States
and  conform  to general practices within the banking industry. Bancorporation's
financial  position  and  results  of  operations  are  affected by management's
application  of  accounting  policies, including judgments made to arrive at the
carrying  value  of  assets  and  liabilities and amounts reported for revenues,
expenses  and  related  disclosures. Different assumptions in the application of
these policies could result in material changes in Bancorporation's consolidated
financial  position and/or consolidated results of operations. The more critical
accounting  and  reporting  policies  include  Bancorporation's  accounting  for
securities, loans and leases, the allowance for loan and lease losses, valuation
of  mortgage  servicing  rights,  mergers  and  acquisitions  and  income taxes.
Bancorporation's  accounting  policies  are  fundamental  to  understanding
Management's  Discussion  and  Analysis  of  Financial  Condition and Results of
Operations.  Accordingly,  Bancorporation's  significant accounting policies are
discussed  in  detail  in Bancorporation's 2002 Annual Report on Form 10-K filed
with  the  Securities  and  Exchange  Commission.

FORWARD-LOOKING STATEMENTS

This  discussion  may  contain  statements  that could be deemed forward-looking
statements  within  the meaning of Section 21E of the Securities Exchange Act of
1934  and  the  Private  Securities  Litigation Reform Act, which statements are
inherently  subject  to risks and uncertainties.  Forward-looking statements are
statements  that include projections, predictions, expectations or beliefs about
future  events  or  results  or otherwise are not statements of historical fact.
Such  statements are often characterized by the use of the qualifying words (and
their  derivatives)  such as "expect," "believe," "estimate," "plan," "project,"
"anticipate,"  or  other  statements  concerning  opinions  or  judgments  of
Bancorporation  and  its  management  about  future  events.  Factors that could
influence  the  accuracy of such forward-looking statements include, but are not
limited  to,  the  financial  success or changing strategies of Bancorporations'
customers, actions of government regulators, the level of market interest rates,
and  general  economic  conditions.


                                     Page 6
<PAGE>
GOODWILL AND OTHER INTANGIBLES (DOLLARS IN THOUSANDS)

In  accordance  with  SFAS No.142, no goodwill amortization was recorded for the
quarter  ended  March  31, 2003. At March 31, 2003, the total carrying amount of
intangible assets not subject to amortization was $4,490. The discontinuation of
amortization  of  goodwill  has  had  an  immaterial  effect on Bancorporation's
consolidated  financial  statements.

The  following  table relates to the carrying values of core deposit intangibles
recorded in Bancorporation's consolidated financial statements, all of which are
being  amortized:

<TABLE>
<CAPTION>
                                 AS OF         AS OF          AS OF
                               MARCH 31,    DECEMBER 31,    MARCH 31,
                                 2003           2002          2002
                              -----------  --------------  -----------
<S>                           <C>          <C>             <C>
CORE DEPOSIT INTANGIBLES:

Gross carrying value          $  105,712   $     105,669   $  102,362
Accumulated amortization         (71,847)        (70,034)     (64,109)
                              -----------  --------------  -----------
    Balance at end of period  $   33,865   $      35,635   $   38,253
                              ===========  ==============  ===========
</TABLE>


Amortization  expense  on core deposit intangibles was $1,827 and $2,178 for the
quarters  ended  March  31,  2003  and  2002,  respectively.

Bancorporation  projects  the  following  aggregate  amortization  expense:

              2003          $8,498
              2004          $6,835
              2005          $5,555
              2006          $3,906
              2007          $2,984

Mortgage  servicing rights as of March 31, 2003, December 31, 2002 and March 31,
2002  were  $5,157,  $5,365, and $5,218, respectively.  The amortization expense
related to mortgage servicing rights, included as a reduction of mortgage income
in  the  Consolidated  Statements  of Income, was $830 and $208 for the quarters
ended  March  31,  2003  and  2002,  respectively.

MERGERS  AND  ACQUISITIONS  (DOLLARS  IN  THOUSANDS)

There  were  no mergers or acquisitions completed during the quarter ended March
31,  2003.

On  September  17,  2002, the Bank signed a Letter of Intent to merge with First
Banks,  Inc.  ("First  Banks"),  a  two-bank  holding  company  headquartered in
Carnesville,  Georgia,  which  is the parent company of First Bank and Trust and
The  Bank  of  Toccoa.  As  of  March  31, 2003, First Banks had total unaudited
consolidated  assets, net loans and deposits of $244,609, $189,019 and $207,850,
respectively.  The  merger  was  completed  effective  April  1,  2003.

On  March 14, 2003, First-Citizens Bank and Trust of South Carolina entered into
a  Branch  Purchase  and  Assumption  Agreement  to  acquire  one branch from an
unrelated  financial  institution  with  estimated  total  deposits and loans of
$10,500  and  -0-,  respectively.

SUBSEQUENT  EVENTS  (DOLLARS  IN  THOUSANDS)

On  April 30, 2003, Bancorporation's Board of Directors declared a $.25 dividend
on common stock to shareholders of record on May 15, 2003, payable May 23, 2003.


                                     Page 7
<PAGE>
ITEM 2.   MANAGEMENT'S  DISCUSSION  AND  ANALYSIS  OF  RESULTS OF OPERATIONS AND
          FINANCIAL  CONDITION

                              RESULTS OF OPERATIONS



SUMMARY  (DOLLARS  IN  THOUSANDS)

Net  income  for  the quarter ended March 31, 2003 totaled $9,963, or $10.91 per
common  share.  Net income for the quarter ended March 31, 2002 totaled $11,169,
or  $12.07  per  common  share.

The  primary  factors affecting the decrease in net income for the quarter ended
March  31,  2003  were  a  $496  or  1.42% decrease in net interest income after
provision  for  loan  losses,  and  a  $2,838  or  9.70% increase in noninterest
expense.  These  unfavorable changes were partially offset by a $2,008 or 17.93%
increase  in  noninterest  income.

Return  on  average  stockholders' equity and average assets are key measures of
earnings  performance.  Return  on average stockholders' equity for the quarters
ended  March  31,  2003  and March 31, 2002 was 13.05% and 16.41%, respectively.
Return  on  assets  decreased from 1.24% for the quarter ended March 31, 2002 to
1.05%  for  the quarter ended March 31, 2003.   The decrease in return on assets
was  due  to a 26 basis point decline in net interest margin after provision for
loan  losses  to  average  assets.

Individual  components  of  net  income  are  discussed further in the following
sections.


                                     Page 8
<PAGE>
Table  1  provides  summary  information  on  selected  ratios,  average  and
year-to-date  balances.


TABLE 1:  SELECTED  SUMMARY  INFORMATION  (DOLLARS  IN  THOUSANDS)

<TABLE>
<CAPTION>
                                                       AS OF AND FOR THE
                                                       THREE MONTHS ENDED
                                                           MARCH 31,
                                                    ------------------------
SELECTED RATIOS:                                       2003         2002
                                                    -----------  -----------
<S>                                                 <C>          <C>
Return on average assets                                  1.05%        1.24%
Return on average stockholders' equity                   13.05%       16.41%

Return on average common stockholders' equity            13.19%       16.60%
Yield on average interest-earning assets (tax
  equivalent)                                             4.09%        4.38%
Average loans to average deposits                        72.78%       72.84%
Nonperforming assets to total loans                        .29%         .19%
Allowance for loan losses to total loans                  1.79%        1.78%

Allowance for loan losses to nonperforming assets        6.27x        9.43x
Average stockholders' equity to average total
  assets                                                  8.06%        7.57%

Common stockholders' equity to total assets               7.98%        7.49%

Dividends per common share                          $     0.25   $     0.25
Total risk-based capital ratio                           13.27%       13.03%
Tier I risk-based capital ratio                          12.02%       11.78%
Tier I leverage ratio                                     8.01%        7.45%

SELECTED AVERAGE BALANCES:
Total assets                                        $3,841,330   $3,645,157
Interest-earning assets                              3,528,659    3,338,321
Investment securities                                  911,516      907,811
Loans                                                2,406,547    2,240,332
Deposits                                             3,306,430    3,075,508
Noninterest-bearing deposits                           573,852      507,177
Interest-bearing deposits                            2,732,578    2,568,331
Interest-bearing liabilities                         2,930,542    2,835,631
Stockholders' equity                                   309,582      276,086

SELECTED YEAR-TO-DATE BALANCES:
Total assets                                        $3,884,933   $3,682,371
Interest-earning assets                              3,562,978    3,374,177
Investment securities                                  913,207      939,100
Loans                                                2,413,477    2,229,677
Deposits                                             3,345,630    3,121,244
Noninterest-bearing deposits                           621,313      532,768
Interest-bearing deposits                            2,724,317    2,588,476
Interest-bearing liabilities                         2,923,014    2,844,600
Stockholders' equity                                   310,619      276,032
</TABLE>


                                     Page 9
<PAGE>
NET INTEREST INCOME (DOLLARS IN THOUSANDS)

Net  interest  income  represents  the  principal  source  of  earnings  for
Bancorporation.  Table  2  compares average balance sheet items and analyzes net
interest  income on a tax equivalent basis for the quarters ended March 31, 2003
and  2002.

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

                                      AS OF AND FOR THE QUARTER ENDED MARCH 31,
                                      -----------------------------------------

                                                                                               CHANGE DUE TO (2)
                                    AVERAGE BALANCE       INTEREST/EXP (1)      YIELD/RATE    -------------------      NET
                                ----------------------  --------------------  --------------    YIELD               INCREASE
                                   2003        2002       2003       2002      2003    2002     /RATE     VOLUME   (DECREASE)
                                ----------  ----------  --------  ----------  -------  -----  ---------  --------  -----------
<S>                             <C>         <C>         <C>       <C>         <C>      <C>    <C>        <C>       <C>
INTEREST-EARNING ASSETS:
Loans (3)                       $2,406,547  $2,240,332  $ 40,357  $   42,197    6.80%  7.64%  $(10,317)  $ 8,477   $   (1,840)
Investment securities:
  Taxable                          899,641     894,337     6,985      10,034    3.15   4.55     (3,174)      125       (3,049)
  Non-taxable                       11,875      13,474       218         252    7.34   7.48         54       (88)         (34)
Federal funds sold                 210,596     190,178       626         798    1.21   1.70       (357)      185         (172)
                                ----------  ----------  --------  ----------                  ---------  --------  -----------

Total interest-earning
assets                           3,528,659   3,338,321    48,186      53,281    5.54   6.47    (13,794)    8,699       (5,095)
                                ----------  ----------  --------  ----------                  ---------  --------  -----------

NONINTEREST-EARNING ASSETS:
Cash and due from banks            144,580     150,874
Premises and equipment             111,306      97,836
Other, less allowance for
Loan losses                         56,785      58,126
                                ----------  ----------

Total noninterest-earning
assets                             312,671     306,836
                                ----------  ----------

TOTAL ASSETS                    $3,841,330  $3,645,157
                                ----------  ----------

INTEREST-BEARING LIABILITIES:
Deposits                        $2,732,578  $2,568,331  $ 11,193  $   15,366    1.66%  2.43%  $ (6,218)  $ 2,045   $   (4,173)
Securities sold under
 agreements to repurchase          144,833     216,337       360         818    1.01   1.54         84      (542)        (458)
Long-term debt                      53,131      50,963     1,079       1,050    8.12   8.24       (103)      132           29
                                ----------  ----------  --------  ----------                  ---------  --------  -----------


Total interest-bearing
liabilities                      2,930,542   2,835,631    12,632      17,234    1.75   2.46     (6,237)    1,635       (4,602)
                                ----------  ----------  --------  ----------                  ---------  --------  -----------

NONINTEREST-BEARING
LIABILITIES:
Demand deposits                    573,852     507,177
Other liabilities                   27,354      26,263
                                ----------  ----------


Total noninterest-bearing
liabilities                        601,206     533,440
                                ----------  ----------


TOTAL LIABILITIES                3,531,748   3,369,071
                                ----------  ----------

Stockholders' equity               309,582     276,086
                                ----------  ----------

TOTAL LIABILITIES AND
STOCKHOLDERS'
EQUITY                          $3,841,330  $3,645,157
                                ==========  ==========
Net interest spread                                                             3.79%  4.01%
                                                                              =======  =====
Net interest margin:                                    $ 35,554  $   36,047                   ($7,557)  $ 7,064   $     (493)
                                                        ========  ==========                  =========  ========  ===========
  to average assets                                                             3.75%  4.01%
                                                                              =======  =====
  to average interest-earning
     assets                                                                     4.09%  4.38%
                                                                              =======  =====

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

NET INTEREST INCOME (CONTINUED)

Net  interest  income  on a tax equivalent basis decreased $493 or 1.37% for the
quarter  ended March 31, 2003, over the comparable period in 2002.  Net interest
margin  to  average  assets decreased from 4.01% for the quarter ended March 31,
2002  to  3.75% for the quarter ended March 31, 2003.  This is attributable to a
29  basis  point decrease in the net interest margin to average interest-earning
assets.

Net  interest margin to average interest-earning assets decreased from 4.38% for
the  quarter ended March 31, 2002 to 4.09% for the quarter ended March 31, 2003.
This  was  primarily  attributable to a decrease in the net interest spread from
4.01%  for the quarter ended March 31, 2002 to 3.79% for the quarter ended March
31,  2003.  The  decrease  in the net interest spread was due to the decrease in
interest earned on interest-earning assets exceeding the decrease in the cost of
interest-bearing  liabilities.  The  yield  on interest-earning assets decreased
from  6.47%  for the quarter ended March 31, 2002 to 5.54% for the quarter ended
March  31,  2003,  or  by  93  basis  points, while the cost of interest-bearing
liabilities  decreased from 2.46% to 1.75%, or by 71 basis points.  The decrease
in  the  yield on interest-earning assets was due to a decrease in the yields on
loans, investment securities and federal funds sold. The decrease in the cost of
interest-bearing  liabilities  was  due  to  a  decrease  in  the  rates paid on
interest-bearing  deposits  and  securities sold under agreements to repurchase.
Decreases  in  yields  on  interest-earning  assets  have occurred as rates have
declined  significantly on new loans and investments added to replace those that
were  refinanced, inactive or called away.  Decreases in rates are primarily due
to  a  decline  in  rates  paid  on  new  and  matured  time  deposits.


NONINTEREST INCOME AND EXPENSE (DOLLARS IN THOUSANDS)

Noninterest income increased by $2,008 or 17.93% for the quarter ended March 31,
2003,  over  the comparable period in 2002 primarily due to increases in service
charges  on deposits and mortgage income.  Service charges on deposits increased
by  $917  or  13.06% over the comparable period primarily due to overall deposit
growth.  Mortgage  income increased by $716, or 80.18%, due to a $1,232 increase
in  the  gain  on  sale  of mortgage loans.  The increase in mortgage income was
partially  offset  by  impairment recorded on mortgage servicing rights totaling
$429.  No  such impairment was recorded during the quarter ended March 31, 2002.

Noninterest  expense  increased by $2,838, or 9.70%, for the quarter ended March
31,  2003  over  the  comparable period in 2002 due to increases in salaries and
employee  benefits  and  net  occupancy expense.  Salaries and employee benefits
increased  by $2,506, or 17.58%, during the quarter primarily due to an increase
in  the number of employees, merit increases and increasing health insurance and
pension  costs.  Net  occupancy  expense  increased  by  $516,  or  24.71%.  The
increase is due to $223 additional depreciation expense related to four branches
purchased  after  the  quarter  ended  March  31,  2002  and  on-going  growth.


INCOME TAXES (DOLLARS IN THOUSANDS)

Total  income tax expense decreased by $120 or 2.13% for the quarter ended March
31, 2003 over the comparable period in 2002.   The effective tax rate was 35.60%
and  33.50%  at  March  31,  2003  and  March  31,  2002,  respectively.


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

                              FINANCIAL CONDITION

INVESTMENT  SECURITIES  (DOLLARS  IN  THOUSANDS)

As  of  March  31,  2003, the investment portfolio totaled $913,207, compared to
$939,100  at  March  31,  2002.  Bancorporation continues to invest primarily in
short-term U.S. government obligations and agency securities to minimize credit,
interest rate and liquidity risks.  The investment portfolio consisted of 94.63%
and  93.59% U.S. government and agency securities as of March 31, 2003 and March
31,  2002,  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 March 31, 2003, loans totaled $2,413,447, compared to $2,229,677 at March
31,  2002,  an  increase  of  $183,770,  or  8.24%.  The composition of the loan
portfolio  has  not shifted significantly since March 31, 2002.  Loan growth was
funded  through  core  deposits  and  short-term  borrowed  funds.

It  is  the policy of Bancorporation to maintain an allowance for loan losses to
absorb  potential  losses  inherent  in the loan portfolio.  Management believes
that the provision taken during the quarter ended March 31, 2003 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 March 31, 2003
and  2002  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
                                     QUARTER ENDED
                                       MARCH 31,
                                -----------------------
ALLOWANCE FOR LOAN LOSSES:         2003        2002
                                ----------  -----------
<S>                             <C>         <C>
Balance at beginning of period  $  43,305   $   40,259
Provision for loan losses             938          889
                                ----------  -----------
Charge-offs                        (1,461)      (1,875)
Recoveries                            522          449
                                ----------  -----------
Net charge-offs                      (939)      (1,426)
                                ----------  -----------
Balance at end of period        $  43,304   $   39,722
                                ----------  -----------

Nonperforming assets            $   6,908   $    4,211

Annualized net charge-offs to:
  Average loans                       .16%         .25%
  Loans at end of period              .16%         .26%
  Allowance for loan losses          8.66%       14.36%
</TABLE>

FUNDING  SOURCES  (DOLLARS  IN  THOUSANDS)

Bancorporation's  primary  source  of funds is its deposit base.  Total deposits
increased  $224,386  or by 7.19% from March 31, 2002 to March 31, 2003.  Average
deposits  were  $3,306,430  and $3,075,508 at March 31, 2003 and March 31, 2002,
respectively.

Short-term  borrowings  in  the  form  of  securities  sold  under agreements to
repurchase are another source of funds.  Short-term borrowings decreased $58,603
or  28.56% from March 31, 2002 to March 31, 2003.  Average short-term borrowings
were  $144,833  and $216,337 at March 31, 2003 and March 31, 2002, respectively.


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

CAPITAL RESOURCES (DOLLARS IN THOUSANDS)

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  March  31,  2003  and  2002.

CAPITAL RATIOS                                      MARCH 31,
                                                 ---------------
                                                  2003    2002
                                                 ------  -------
Tier I leverage ratio                             8.01%    7.45%
Total risk-based capital ratio                   13.27%   13.03%
   Tier I                                        12.02%   11.78%
   Tier II                                        1.25%    1.25%

The Board of Directors each year authorizes management to repurchase outstanding
shares  of  its  capital  stock.  Purchases  are  subject to various conditions,
including price and volume limitations (including, in the case of repurchases of
Bancorporation's voting common stock, an annual limit of up to 5% of outstanding
shares), and compliance with applicable South Carolina law.  Pursuant to similar
authority  during  the  quarters  ended  March 31, 2003 and 2002, Bancorporation
repurchased  an  aggregate  of  1,978  and  5,500  shares,  respectively, of its
outstanding  voting  common  stock,  for  an aggregate price of $761 and $1,641,
respectively.  With  respect to other classes of Bancorporation's capital stock,
aggregate  repurchases during the quarters ended March 31, 2003 and 2002 totaled
-0-  and  5  shares,  respectively,  for  an  aggregate  price  of $-0- and $17,
respectively.  Repurchases  of  shares  during  both  periods  had an immaterial
impact  on  Bancorporation's  capital.

ITEM 3.   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,  2002.


ITEM 4.   CONTROLS AND PROCEDURES

(a)  Evaluation  of  Disclosure  Controls  and  Procedures

     Within  90  days  prior to the date of this report (the "Evaluation Date"),
     Bancorporation's  Chief  Executive Officer and Chief Financial Officer have
     evaluated Bancorporation's disclosure controls and procedures and concluded
     that these controls and procedures are effective to ensure that information
     required  to be disclosed by Bancorporation in the reports that it files or
     submits  under  the Securities Exchange Act of 1934 is recorded, processed,
     summarized  and  reported  within  the  time  periods  specified  by  the
     Commission's  rules.

(b)  Changes  in  Internal  Controls

     Following  the  above  evaluation,  management  of  Bancorporation  is
     implementing  certain additional internal controls relating only to certain
     types  of  accounts  administered  by  the  Bank's  trust  department.
     Bancorporation's  management believes that the deficiencies being mitigated
     by  the  new  controls  do  not  represent  significant  deficiencies  in
     Bancorporation's  internal  controls  and that the events that precipitated
     the  new  controls  will  not  materially affect Bancorporation's financial
     position  or  results  of  operations.


                                    Page 13
<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

Not Applicable.

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

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

          11   Statement  re computation of per share earnings (filed herewith).
          99   Certification  (Pursuant  to  18  U.S.C.  Section  1350)


     (b)  The  following  Form  8-K's were filed or furnished during the quarter
          ended  March  31,  2003.

          Form  8-K furnished on January 31, 2003, reporting that Bancorporation
          had announced its results of operations for the year and quarter ended
          December  31,  2002.

          Form 8-K filed on March 31, 2003, reporting that Bancorporation's bank
          subsidiary  had  consummated  its  merger  with  First  Banks,  Inc.


                                    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:  May 15, 2003
                                           By: /s/ Craig L. Nix
                                               -----------------
                                               Craig L. Nix
                                               Chief Financial Officer


                                    Page 15
<PAGE>
                                  CERTIFICATION

     I,  Jim  B.  Apple,  certify  that:

1.   I  have  reviewed  this  quarterly  report  on  Form 10-Q of First Citizens
Bancorporation  of  South  Carolina,  Inc.;

2.   Based  on  my  knowledge, this quarterly report does not contain any untrue
statement  of a material fact or omit to state a material fact necessary to make
the  statements  made, in light of the circumstances under which such statements
were  made,  not misleading with respect to the period covered by this quarterly
report;

3.   Based  on  my  knowledge,  the  financial  statements,  and other financial
information  included  in  this quarterly report, fairly present in all material
respects  the  financial  condition, results of operations and cash flows of the
Registrant  as  of,  and  for,  the  periods presented in this quarterly report;

4.   The  Registrant's  other  certifying  officers  and  I  are responsible for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange  Act  Rules  13a-14  and  15d-14)  for  the  Registrant  and  we  have:

     a)   designed  such  disclosure  controls  and  procedures  to  ensure that
          material  information  relating  to  the  Registrant,  including  its
          consolidated  subsidiaries, is made known to us by others within those
          entities,  particularly  during  the  period  in  which this quarterly
          report  is  being  prepared;

     b)   evaluated  the  effectiveness  of the Registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date of
          this  quarterly  report  (the  "Evaluation  Date");  and

     c)   presented  in  this  quarterly  report  our  conclusions  about  the
          effectiveness  of  the disclosure controls and procedures based on our
          evaluation  as  of  the  Evaluation  Date;

5.   The  Registrant's  other certifying officers and I have disclosed, based on
our most recent evaluation, to the Registrant's auditors and the audit committee
of  Registrant's  board  of  directors  (or  persons  performing  the equivalent
function):

     a)   all  significant  deficiencies  in the design or operation of internal
          controls  which  could  adversely  affect  the Registrant's ability to
          record,  process,  summarize  and  report  financial  data  and  have
          identified  for  the  Registrant's auditors any material weaknesses in
          internal  controls;  and

     b)   any  fraud, whether or not material, that involves management or other
          employees  who  have  a  significant role in the Registrant's internal
          controls;  and

6.   The  Registrant's  other  certifying  officers and I have indicated in this
quarterly  report  whether  or  not  there  were significant changes in internal
controls  or  in other factors that could significantly affect internal controls
subsequent  to  the date of our most recent evaluation, including any corrective
actions  with  regard  to  significant  deficiencies  and  material  weaknesses.


Date:  May 15, 2003                              /s/ Jim B. Apple
                                                 ----------------
                                                 Jim B. Apple
                                                 Chief Executive Officer


                                    Page 16
<PAGE>
                                  CERTIFICATION

     I,  Craig  L.  Nix,  certify  that:

1.  I  have  reviewed  this  quarterly  report  on  Form  10-Q of First Citizens
Bancorporation  of  South  Carolina,  Inc.;

2.   Based  on  my  knowledge, this quarterly report does not contain any untrue
statement  of a material fact or omit to state a material fact necessary to make
the  statements  made, in light of the circumstances under which such statements
were  made,  not misleading with respect to the period covered by this quarterly
report;

3.   Based  on  my  knowledge,  the  financial  statements,  and other financial
information  included  in  this quarterly report, fairly present in all material
respects  the  financial  condition, results of operations and cash flows of the
Registrant  as  of,  and  for,  the  periods presented in this quarterly report;

4.   The  Registrant's  other  certifying  officers  and  I  are responsible for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange  Act  Rules  13a-14  and  15d-14)  for  the  Registrant  and  we  have:

     a)   designed  such  disclosure  controls  and  procedures  to  ensure that
          material  information  relating  to  the  Registrant,  including  its
          consolidated  subsidiaries, is made known to us by others within those
          entities,  particularly  during  the  period  in  which this quarterly
          report  is  being  prepared;

     b)   evaluated  the  effectiveness  of the Registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date of
          this  quarterly  report  (the  "Evaluation  Date");  and

     c)   presented  in  this  quarterly  report  our  conclusions  about  the
          effectiveness  of  the disclosure controls and procedures based on our
          evaluation  as  of  the  Evaluation  Date;

5.   The  Registrant's  other certifying officers and I have disclosed, based on
our most recent evaluation, to the Registrant's auditors and the audit committee
of  registrant's  board  of  directors  (or  persons  performing  the equivalent
function):

     a)   all  significant  deficiencies  in the design or operation of internal
          controls  which  could  adversely  affect  the Registrant's ability to
          record,  process,  summarize  and  report  financial  data  and  have
          identified  for  the  Registrant's auditors any material weaknesses in
          internal  controls;  and

     b)   any  fraud, whether or not material, that involves management or other
          employees  who  have  a  significant role in the Registrant's internal
          controls;  and

6.   The  Registrant's  other  certifying  officers and I have indicated in this
quarterly  report  whether  or  not  there  were significant changes in internal
controls  or  in other factors that could significantly affect internal controls
subsequent  to  the date of our most recent evaluation, including any corrective
actions  with  regard  to  significant  deficiencies  and  material  weaknesses.


Date:  May 15, 2003                            /s/ Craig L. Nix
                                               -----------------
                                               Craig L. Nix
                                               Chief Financial Officer


                                    Page 17
<PAGE>
                                  EXHIBIT INDEX


     11   Statement  of  Re  Computation  of  Net  Income  per  Share
     99   Certification  (Pursuant  to  18  U.S.C.  Section  1350)




                                    Page 18
<PAGE>