FIRST CHARTER CORP /NC/

FIRST CHARTER CORPORATION FORM S-3

S-3

FIRST CHARTER CORPORATION FORM S-3

S-3

SPECIMEN OF COMMON STOCK

EX-4.3

SPECIMEN OF COMMON STOCK

EX-4.3

OPINION OF SMITH HELMS

EX-5.1

OPINION OF SMITH HELMS

EX-5.1

CONSENT OF KPMG PEAT MARWICK

EX-23.2

CONSENT OF KPMG PEAT MARWICK

EX-23.2

CONSENT OF DELOITTE & TOUCHE

EX-23.3

CONSENT OF DELOITTE & TOUCHE

EX-23.3

POWER OF ATTORNEY

EX-24.1

POWER OF ATTORNEY

EX-24.1

CERTIFIED RESOLUTION

EX-24.2

CERTIFIED RESOLUTION

EX-24.2

AMENDED/RESTATED DIVIDEND REINVESTMENT STOCK PLAN

EX-99.1

AMENDED/RESTATED DIVIDEND REINVESTMENT STOCK PLAN

EX-99.1