FIRST CHARTER CORP /NC/

FORM 10-K FOR FIRST CHARTER CORP.

10-K

EXHIBIT 3.1

EX-3

DESCRIPTION OF EXECUTIVE INCENTIVE BONUS PLAN

EX-10.3

AMENDED AND RESTATED EMPLOYMENT AGREEMENT

EX-10.8

STOCK OPTION PLAN FOR NON-EMPLOYEE DIRECTORS

EX-10.15

SALARY CONTINUATION AGREEMENT

EX-10.16

COMPUTATION OF PER SHARE EARNINGS

EX-11

FIRST CHARTER - EXHIBIT 13

EX-13

SUBSIDIARIES OF THE REGISTRANT

EX-21

CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS

EX-23.1

FDS

EX-27