1. Name and Address of Reporting Person KIMBROUGH, LAWRENCE M. 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 1/2003 5. If Amendment, Date of Original (Month/Day/Year) 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) (X) Director ( ) 10% Owner (X) Officer (give title below) ( ) Other (specify below) PRESIDENT CHIEF EXECUTIVE OFFI 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/ +-------+-----+-----------+------+----------+ Month | Indirect| Owner- | | | Year) |Code |V |Amount |A/D |Price | | (I) | ship | +---------------------------------+----------+-------+-----+-----------+------+----------+----------------+-----------+------------+ Common Stock 54434 D Common Stock 608.3823 I LETITIA KIMBROUGH (SPOUSE) Common Stock 01/29/2003 P 1800 A $18.0467 I IRA (TRUST) Common Stock 01/30/2003 P 909 A $18.4700 11656 I IRA (TRUST) 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) |Code |V |(A) |(D) |cisable |tion Date |Title |Shares |Security |Month |(I) |ship | +-------------+--------+----------+------+--+-----+-----+----------+----------+-------+--------+----------+--------+-------+-------+ Stock Option $12.265 10/24/2004 Common 7040 D Stock Stock Option $14.5 01/20/2010 Common 35341 D Stock Stock Option $14.92 01/02/2003 Common 1500 D Stock Stock Option $15.75 01/17/2011 Common 44571 D Stock Stock Option $17.1967 12/04/2006 Common 5400 D Stock Stock Option $17.37 01/16/2012 Common 47150 D Stock Stock Option $17.9167 12/14/2005 Common 4920 D Stock Stock Option $18.125 01/21/2009 Common 25405 D Stock Stock Option $23.125 01/21/2009 Common 19904 D Stock Stock Option $25 12/01/2007 Common 3900 D Stock Option $18.39 01/15/2003 A 47716 07/15/2003 01/15/2013 Common 47716 $18.3900 47716 DStock Stock Option - $0 Common 780 D Restricted Stock Explanation of Responses: SIGNATURE OF REPORTING PERSON /s/ LAWRENCE M. KIMBROUGH DATE 01/31/2003 Vesting - 20% per year for 5 years