1. Name and Address of Reporting Person
JAMES, ROBERT E.
10200 DAVID TAYLOR DRIVE
PO BOX 37937
CHARLOTTE, NC 28237-7937
2. Issuer Name and Ticker or Trading Symbol
FIRST CHARTER CORPORATION (FCTR)
3. IRS or Social Security Number of Reporting Person (Voluntary)
4. Statement for Month/Year
2002
5. If Amendment, Date of Original (Month/Day/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
( ) Director ( ) 10% Owner
(X) Officer (give title below) ( ) Other (specify below)
EXECUTIVE VICE PRESIDENT
7. Individual or Joint/Group Filing (Check Applicable Line)
(X) Form filed by One Reporting Person
( ) Form filed by More than One Reporting Person
TABLE I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
+---------------------------------+----------+-------------+-----------------------------+----------------+-----------+------------+
|1. Title of Security |2. Trans- |3. Trans- |4. Securities Acquired (A) |5. Amount of |6. Owner- |7. Nature |
| | action | action | or Disposed of (D) | Securities | ship | of In- |
| | Date | Code | | Beneficially | Form: | direct |
| | | | | Owned at | Direct | Bene- |
| | (Month/ | | | End of | (D) or | ficial |
| | Day/ | +-----------+------+----------+ Year | Indirect| Owner- |
| | Year) | |Amount |A/D |Price | | (I) | ship |
+---------------------------------+----------+-------------+-----------+------+----------+----------------+-----------+------------+
Common Stock 7916 D
Common Stock 1000 I IRA
Common Stock 01/17/2002 R 1.0153 A $17.7293 I Custodian,
Phillip H.
James
Common Stock 04/11/2002 R 0.9192 A $19.7780 I Custodian,
Phillip H.
James
Common Stock 07/11/2002 R 1.0287 A $17.8387 I Custodian,
Phillip H.
James
Common Stock 10/10/2002 R 1.1581 A $16.4500 104.1213 I Custodian,
Phillip H.
James
Common Stock 01/17/2002 R 1.0153 A $17.7293 I Custodian,
Caroline E.
James
Common Stock 04/11/2002 R 0.9192 A $19.7780 I Custodian,
Caroline E.
James
Common Stock 07/11/2002 R 1.0287 A $17.8387 I Custodian,
Caroline E.
James
Common Stock 10/10/2002 R 1.1581 A $16.4500 104.1213 I Custodian,
Caroline E.
James
TABLE II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
+-------------+--------+----------+---------+-----------+---------------------+----------------+----------+--------+-------+-------+
|1. |2. |3. |4. |5. |6. |7. |8. |9. |10. |11. |
| | | | | | | | |Number |Owner- | |
| | | | | | | | |of |ship | |
| | | | | | | | |Deriv- |Form of| |
| | | | | | |Title and Amount| |ative |Deriv- | |
| | | | | | |of Underlying | |Secur- |ative |Nature |
| |Conver- | | |Number of | |Securities | |ities |Secur- |of |
| |sion or | | |Derivative |Date Exercisable +-------+--------+ |Benefi- |ity: |In- |
| |Exercise| | |Securities |and Expiration Date | |Amount | |cially |Direct |direct |
| |Price of|Transac- |Transac- |Acquired(A)|(Month/Day/Year) | |or | |Owned |(D) or |Bene- |
|Title of |Deriv- |tion Date |tion Code|Disposed(D)+----------+----------+ |Number |Price of |at End |In- |ficial |
|Derivative |ative |(Month/ | +-----+-----+Date Exer-|Expira- | |of |Derivative|of |direct |Owner- |
|Security |Security|Day/Year) | |(A) |(D) |cisable |tion Date |Title |Shares |Security |Year |(I) |ship |
+-------------+--------+----------+---------+-----+-----+----------+----------+-------+--------+----------+--------+-------+-------+
Stock Option $14.5 01/20/2010 Common 19791 D
Stock
Stock Option $15.75 01/17/2011 Common 23296 D
Stock
Stock Option $17.37 01/16/2012 Common 21985 D
Stock
Stock Option $18.375 01/29/2009 Common 35000 D
Stock
Stock Option - $0 02/03/2009 Common 2000 D
Restricted Stock
Explanation of Responses:
SIGNATURE OF REPORTING PERSON
/s/ ROBERT E. JAMES
DATE
02/13/2003