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<center>As filed with the Securities and Exchange Commission on July 31,
2001.</center>

<div align=right>File No. 333- __________</div>

<br>&nbsp;
<center>
<p>SECURITIES AND EXCHANGE COMMISSION
<br>WASHINGTON, D.C. 20549
<p>--------------------------------
<p>FORM S-8
<br>REGISTRATION STATEMENT
<br>UNDER
<br>THE SECURITIES ACT OF 1933
<p>--------------------------------
<p>FIRST CHARTER CORPORATION
<br>(Exact Name of Registrant as Specified in its Charter)</center>

<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
NORTH CAROLINA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
56-1355866
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(State or Other Jurisdiction of&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(I.R.S. Employer
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Incorporation or Organization)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Identification Number)
<center>
<p>10200 DAVID TAYLOR DRIVE
<br>CHARLOTTE, NORTH CAROLINA 28262-2373
<br>(Address, including zip code, of Principal Executive Offices)
<p>FIRST CHARTER CORPORATION
<br>RETIREMENT SAVINGS PLAN
<br>(Full Title of the Plan)
<p>LAWRENCE M. KIMBROUGH
<br>PRESIDENT AND CHIEF EXECUTIVE OFFICER
<br>FIRST CHARTER CORPORATION
<br>10200 DAVID TAYLOR DRIVE
<br>CHARLOTTE, NORTH CAROLINA 28262-2373
<br>(704) 688-4300
<br>(Name, Address, Including Zip Code, and Telephone Number, Including
Area Code, of Agent For Service)
<p>COPY TO:
<p>RICHARD W. VIOLA, ESQ.
<br>SMITH HELMS MULLISS &amp; MOORE, L.L.P.
<br>201 NORTH TRYON STREET
<br>CHARLOTTE, NORTH CAROLINA 28202
<br>TELEPHONE: (704) 343-2149
<p>-------------------------
<p><font size=-1>CALCULATION OF REGISTRATION FEE</font></center>

<p>
<hr NOSHADE WIDTH="80%">
<br>&nbsp;
<table BORDER CELLPADDING=7 WIDTH="637" >
<tr>
<td VALIGN=TOP WIDTH="21%">Title of Securities to be Registered&nbsp;</td>

<td VALIGN=TOP WIDTH="21%">Amount to be Registered (1)</td>

<td VALIGN=TOP WIDTH="21%">Proposed Maximum Offering Price Per Share (2)</td>

<td VALIGN=TOP WIDTH="21%">Proposed Maximum Aggregate Offering Price (2)</td>

<td VALIGN=TOP WIDTH="18%">Amount of Registration Fee (2)</td>
</tr>

<tr>
<td VALIGN=TOP WIDTH="21%">Common Stock, no par value</td>

<td VALIGN=TOP WIDTH="21%">1,000,000 shares</td>

<td VALIGN=TOP WIDTH="21%">$17.98</td>

<td VALIGN=TOP WIDTH="21%">$17,980,000</td>

<td VALIGN=TOP WIDTH="18%">$4,495.00</td>
</tr>
</table>

<p>(1) In addition, pursuant to Rule 416(c) under the Securities Act of
1933, as amended (the "Securities Act"), this Registration Statement also
covers an indeterminate amount of interests to be offered or sold pursuant
to the employee benefit plan described herein.
<p>(2) The price is estimated in accordance with Rule 457(h) and (c) under
the Securities Act solely for the purpose of calculating the registration
fee, based on the average of the high and low prices of First Charter Corporation's
common stock as reported on the Nasdaq National Market on July 25, 2001.
<center>
<p>PART I
<p>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</center>

<p>&nbsp;&nbsp;&nbsp;&nbsp; The documents that from time to time contain
the information specified by Part I of this registration statement (the
"Registration Statement") of First Charter Corporation (the "Registrant"
or the "Company") will be sent or given to eligible employees as specified
by Rule 428(b)(1) under the Securities Act of 1933, as amended (the "Securities
Act") and will be kept on file at the offices of the Company in accordance
with Rule 428(a)(2). Such documents, together with the documents incorporated
by reference in Item 3 of Part II hereof, constitute the Section 10(a)
prospectus of the Company. Upon written or oral request, the Company will
provide to eligible employees, without charge, a copy of such documents
and any other documents required to be delivered pursuant to Rule 428(b).
Requests for the above mentioned information should be directed to Anne
C. Forrest, Corporate Secretary, at First Charter Corporation, 10200 David
Taylor Drive, Charlotte, North Carolina 28262-2373; telephone number (704)
688-4300.
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<p>&lt;Page>
<br>&nbsp;
<br>&nbsp;
<br>
<center>
<p>PART II
<br>INFORMATION REQUIRED IN REGISTRATION STATEMENT</center>

<p>ITEM 3. INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
<p>&nbsp;&nbsp;&nbsp;&nbsp; The following documents are incorporated by
reference into this Registration Statement and are deemed to be a part
hereof from the date of the filing of such documents:
<p>&nbsp;&nbsp;&nbsp;&nbsp; (1) The Registrant's Annual Report on Form
10-K for the fiscal year ended December 31, 2000;
<p>&nbsp;&nbsp;&nbsp;&nbsp; (2)&nbsp; The First Charter Corporation Retirement
Savings Plan (the "Plan") Annual Report on Form 11-K for the fiscal year
ended December 31, 2000;
<p>&nbsp;&nbsp;&nbsp;&nbsp; (3)&nbsp; The Registrant's Quarterly Report
on Form 10-Q for the quarter ended March 31, 2001;
<p>&nbsp;&nbsp;&nbsp;&nbsp; (4)&nbsp; The Registrant's Current Reports
on Form 8-K dated January 16, 2001, April 17, 2001 and July 10, 2001;
<p>&nbsp;&nbsp;&nbsp;&nbsp; (5)&nbsp; The description of Common Stock contained
in the Registrant's Registration Statement filed under Section 12 of the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), including
all amendments or reports filed for the purpose of updating such description.
<p>All other documents subsequently filed by the Company or the Plan pursuant
to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the
filing of a post-effective amendment which indicates that all securities
offered have been sold or which deregisters all securities then remaining
unsold, shall be deemed to be incorporated by reference herein and to be
a part hereof from the date of filing of such documents. Any statement
contained in a document incorporated or deemed incorporated herein by reference
shall be deemed to be modified or superseded for the purpose of this Registration
Statement to the extent that a statement contained herein or in any subsequently
filed document which also is, or is deemed to be, incorporated herein by
reference modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded,
to constitute a part of this Registration Statement.
<p>ITEM 4. DESCRIPTION OF SECURITIES
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Not applicable.
<p>ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Not applicable.
<br>&nbsp;
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
3
<br>&lt;Page>
<br>&nbsp;
<p>ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
<p>&nbsp;&nbsp;&nbsp;&nbsp; In accordance with the provisions of the North
Carolina Business Corporation Act (the "NCBCA"), the Registrant's Amended
and Restated Articles of Incorporation (the "Registrant's Articles") and
the Registrant's Bylaws provide that, in addition to the indemnification
of directors and officers otherwise provided by the NCBCA, the Registrant
shall, under certain circumstances, indemnify its directors, executive
officers and certain other designated officers against any and all liability
and expenses, including reasonable attorneys' fees, in any proceeding (including,
without limitation, a proceeding brought by or on behalf of the Registrant
itself) arising out of their status or activities as directors and officers,
except for liability or litigation expense incurred on account of activities
of such person which at the time taken were known or believed by such person
to be clearly in conflict with the best interests of the Registrant. The
Registrant's Bylaws further provide that the Registrant shall also indemnify
such person for reasonable costs, expenses and attorneys' fees incurred
in connection with the enforcement of the rights to indemnification granted
in the Bylaws, if it is determined in accordance with the procedures set
forth in the Bylaws that such person is entitled to indemnification thereunder.
Pursuant to the Bylaws and as authorized by statute, the Registrant maintains
insurance on behalf of its directors and officers against liability asserted
against such persons in such capacity whether or not such directors or
officers have the right to indemnification pursuant to the Bylaws or otherwise.
In addition, the Registrant's Articles prevent the recovery by the Registrant
or any of its shareholders of monetary damages against its directors to
the fullest extent permitted by the NCBCA.
<p>&nbsp;&nbsp;&nbsp;&nbsp; In addition to the above-described provisions,
Sections 55-8-50 through 55-8-58 of the NCBCA contain provisions prescribing
the extent to which directors and officers shall or may be indemnified.
Section 55-8-51 of the NCBCA permits a corporation, with certain exceptions,
to indemnify a current or former director against liability if (i) he conducted
himself in good faith, (ii) he reasonably believed (x) in the case of conduct
in his official capacity with the corporation, that his conduct was in
the best interests of the corporation and (y) in all other cases his conduct
was at least not opposed to the corporation's best interests and (iii)
in the case of any criminal proceeding, he had no reasonable cause to believe
his conduct was unlawful. A corporation may not indemnify a director in
connection with a proceeding by or in the right of the corporation in which
the director was adjudged liable to the corporation or in connection with
a proceeding charging improper personal benefit to him, whether or not
involving action in his official capacity, in which he was adjudged liable
on the basis that personal benefit was improperly received by him. The
above standard of conduct is determined by the Board of Directors or a
committee thereof or special legal counsel or the shareholders as prescribed
in Section 55-8-55.
<p>&nbsp;&nbsp;&nbsp;&nbsp; Sections 55-8-52 and 55-8-56 of the NCBCA require
a corporation to indemnify a director or officer in the defense of any
proceeding to which he was a party because of his capacity as a director
or officer against reasonable expenses when he is wholly successful, on
the merits or otherwise, in his defense, unless the articles of incorporation
provide otherwise. Upon application, the court may order indemnification
of the director
<br>&nbsp;
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
4
<br>&lt;Page>
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<p>or officer if the court determines that he is entitled to mandatory
indemnification under Section 55-8-52, in which case the court shall also
order the corporation to pay the reasonable expenses incurred to obtain
court-ordered indemnification or if he is adjudged fairly and reasonably
so entitled in view of all relevant circumstances under Section 55-8-54.
Section 55-8-56 allows a corporation to indemnify and advance expenses
to an officer, employee or agent who is not a director to the same extent,
consistent with public policy, as a director or as otherwise set forth
in the corporation's articles of incorporation or bylaws or by resolution
of the Board of Directors or contract.
<p>&nbsp;&nbsp;&nbsp;&nbsp; In addition, Section 55-8-57 permits a corporation
to provide for indemnification of directors, officers, employees or agents,
in its articles of incorporation or bylaws or by contract or resolution,
against liability in various proceedings and to purchase and maintain insurance
policies on behalf of these individuals.
<p>ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.
<p>ITEM 8. EXHIBITS
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The exhibits
included as part of this Registration Statement are as follows:
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Exhibit
Number</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<u>Description</u>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Opinion of Smith Helms Mulliss &amp; Moore, L.L.P.
<blockquote>
<blockquote>
<blockquote>
<blockquote>&nbsp;The Registrant hereby undertakes that it will submit,
or has submitted, the Plan and any amendment thereto to the Internal Revenue
Service ("IRS") in a timely manner and has made, or will make, all changes
required by the IRS in order to qualify the Plan.</blockquote>
</blockquote>
</blockquote>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of Smith Helms Mulliss &amp; Moore, L.L.P.
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(included in Exhibit 5.1)
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of KPMG LLP
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of KPMG LLP
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Power of Attorney (included on the signature page
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
contained in Part II hereof)</blockquote>

<p><br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
5
<br>&lt;Page>
<p>ITEM 9. UNDERTAKINGS
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;&nbsp;&nbsp;
The undersigned Registrant hereby undertakes:
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(1)&nbsp; To file, during any period in which offers or sales are being
made, a
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; post-effective
amendment to this Registration Statement:
<dir>
<dir>(i) To include any prospectus required by Section 10(a)(3) of the
Securities Act;
<p>(ii) To reflect in the prospectus any facts or events arising after
the effective date of this Registration Statement (or the most recent post-effective
amendment thereof) which, individually or in the aggregate, represent a
fundamental change in the information set forth in this Registration Statement.
Notwithstanding the foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not exceed
that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus
filed with the Commission pursuant to Rule 424(b) if, in the aggregate,
the changes in volume and price represent no more than a 20% change in
the maximum aggregate offering price set forth in the "Calculation of Registration
Fee" table in the effective registration statement;
<p>(iii) To include any material information with respect to the plan of
distribution not previously disclosed in this Registration Statement or
any material change to such information in this Registration Statement;
<br>&nbsp;</dir>
provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) above do not
apply if the Registration Statement is on Form S-3, Form S-8 or Form F-3
and the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed with or furnished
to the Securities and Exchange Commission by the Registrant pursuant to
Section 13 or Section 15(d) of the Exchange Act that are incorporated by
reference in this Registration Statement.
<dir>&nbsp;</dir>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2) That, for the purpose of
determining any liability under the Securities Act, each such post-effective
amendment shall be deemed to be a new registration statement relating to
the securities being offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
<dir>&nbsp;</dir>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3)&nbsp; To remove from
registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.</dir>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
6
<br>&lt;Page>
<p>&nbsp;&nbsp;&nbsp;&nbsp; (b)&nbsp;&nbsp;&nbsp; The undersigned Registrant
hereby undertakes that, for purposes of determining any liability under
the Securities Act, each filing of the Registrant's annual report pursuant
to Section 13(a) or Section 15(d) of the Exchange Act (and, where applicable,
each filing of an employee benefit plan's annual report pursuant to Section
15(d) of the Exchange Act) that is incorporated by reference in this Registration
Statement shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial bona fide offering thereof.
<p>&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Insofar as
indemnification for liabilities arising under the Securities Act may be
permitted to directors, officers and controlling persons of the Registrant
pursuant to the Registrant's Articles, Bylaws or otherwise, the Registrant
has been advised that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Securities
Act and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of expenses
incurred or paid by a director, officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted
by such director, officer or controlling person in connection with the
securities being registered, the Registrant will, unless in the opinion
of its counsel the matter has been settled by controlling precedent, submit
to a court of appropriate jurisdiction the question whether such indemnification
by it is against public policy as expressed in the Securities Act and will
be governed by the final adjudication of such issue.
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
7
<br>&lt;Page>
<br>&nbsp;
<br>&nbsp;
<br>
<br>
<center>
<p>SIGNATURES</center>

<p><b><i>The Registrant</i></b>
<p>&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable grounds to
believe that it meets all of the requirements for filing on Form S-8 and
has duly caused this registration statement to be signed on its behalf
by the undersigned, thereunto duly authorized, in the City of Charlotte,
State of North Carolina, on July 31, 2001.
<dir>
<dir>
<dir>
<dir>
<dir>FIRST CHARTER CORPORATION
<p>By: /s/ LAWRENCE M. KIMBROUGH
<br>Lawrence M. Kimbrough
<br>President and Chief Executive Officer
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;</dir>
</dir>
</dir>
</dir>
</dir>

<center>POWER OF ATTORNEY</center>

<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; KNOW ALL MEN BY THESE PRESENTS,
that each individual whose signature appears below and on the following
page constitutes and appoints each of Lawrence M. Kimbrough and Robert
O. Bratton as his true and lawful attorney-in-fact and agent, each acting
alone, with full power of substitution and resubstitution, for him and
in his name, place and stead, in any and all capacities, to sign any and
all amendments to this Registration Statement, including post-effective
amendments, and to file the same, with all exhibits thereto, and all documents
in connection therewith, with the Securities and Exchange Commission, granting
unto each said attorney-in-fact and agent full power and authority to do
and perform each and every act and thing requisite and necessary to be
done in and about the premises, as fully to all intents and purposes as
he might or could do in person, and hereby ratifies and confirms all that
any said attorney-in-fact and agent, each acting alone, or his substitute
or substitutes, may lawfully do or cause to be done by virtue hereof.
<br>&nbsp;
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
8
<br>&lt;Page>
<p>&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the requirements of the Securities
Act, this Registration Statement has been signed by the following persons,
in the capacities and on the dates indicated.
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>SIGNATURE</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<u>CAPACITY</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<u>DATE</u>
<p>/s/ LAWRENCE M. KIMBROUGH
<br>Lawrence M. Kimbrough&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
President, Chief Executive&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Officer and Director
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Principal Executive Officer)
<br>/s/ ROBERT O. BRATTON
<br>Robert O. Bratton&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Executive Vice President,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Chief Operating Officer
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
and Chief Financial Officer
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Principal Financial and
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Accounting Officer)
<p>/s/ HAROLD D. ALEXANDER&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Harold D. Alexander
<p>/s/ WILLIAM R. BLACK, M.D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>William R. Black, M.D.
<p>/s/ JAMES E. BURT, III&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>James E. Burt, III
<p>/s/ MICHAEL R. COLTRANE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Michael R. Coltrane
<p>/s/ J. ROY DAVIS, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>J. Roy Davis, Jr.
<p>/s/ JOHN J. GODBOLD, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>John J. Godbold, Jr.
<p>/s/ CHARLES F. HARRY, III.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Charles F. Harry, III
<br>&nbsp;
<br>&nbsp;
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
9
<br>&lt;Page>
<br>&nbsp;
<p>/s/ FRANK H. HAWFIELD, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Frank H. Hawfield, Jr.
<p>/s/ CHARLES A. JAMES&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Charles A. James
<p>/s/ WALTER H. JONES, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Walter H. Jones, Jr.
<p>/s/ SAMUEL C. KING, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Samuel C. King, Jr.
<p>/s/ JERRY E. MCGEE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Jerry E. McGee
<p>/s/ HUGH H. MORRISON&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Hugh H. Morrison
<p>/s/ THOMAS R. REVELS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Thomas R. Revels
<p>/s/ LAWRENCE D. WARLICK, JR.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>Lawrence D. Warlick, Jr.
<p>/s/ WILLIAM W. WATERS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
July 31, 2001
<br>William W. Waters
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
10
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<br>&nbsp;
<p>The Plan
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the requirements of
the Securities Act of 1933, the trustees (or other persons who administer
the First Charter Corporation Retirement Savings Plan) have duly caused
this Registration Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Charlotte, North Carolina on
July 31, 2001.
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
THE FIRST CHARTER CORPORATION
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
RETIREMENT SAVINGS PLAN
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
By: FIRST CHARTER BANK, as Trustee
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
By: /s/ LAWRENCE M. KIMBROUGH
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Lawrence M. Kimbrough
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
President and Chief Executive Officer
<br>&nbsp;
<br>&nbsp;
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
11
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<br>&nbsp;
<br>&nbsp;
<br>
<center>
<p><font size=-1>EXHIBIT INDEX</font>
<br><font size=-1>TO</font>
<br><font size=-1>REGISTRATION STATEMENT ON FORM S-8</font></center>

<p><br>
<br>
<br>
<br>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Exhibit
Number</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<u>Description</u>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Opinion of Smith Helms Mulliss &amp; Moore, L.L.P.
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
23.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of Smith Helms Mulliss &amp; Moore, L.L.P.
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(included in Exhibit 5.1)
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
23.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of KPMG LLP
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
23.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Consent of KPMG LLP
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
24.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Power of Attorney (included on the signature
<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
page contained in Part II hereof)
<br>&nbsp;
<p>&lt;Page>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
12
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<dir>&nbsp;
<br>&nbsp;</dir>
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[{"type": "S-8", "sequence": "1", "filename": "fccs8savings.htm", "secsgml_size_bytes": 42387}]
{"company-data": {"conformed-name": "FIRST CHARTER CORP /NC/", "cik": "0000717306", "assigned-sic": "6021", "irs-number": "561355866", "state-of-incorporation": "NC", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-66354", "film-number": "1693982"}, "business-address": {"street1": "10200 DAVID TAYLOR DRIVE", "street2": "PO BOX 228", "city": "CHARLOTTE", "state": "NC", "zip": "28262-2373", "phone": "7046884300"}, "mail-address": {"street1": "22 UNION ST N", "street2": "PO BOX 228", "city": "CONCORD", "state": "NC", "zip": "28026-0228"}, "former-company": [{"former-conformed-name": "CONCORD NATIONAL INC", "date-changed": "19840816"}, {"former-conformed-name": "FIRST CHARTER CORP/NC/", "date-changed": "19841128"}]}
As filed with the Securities and Exchange Commission on July 31,
2001.
File No. 333- __________
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
--------------------------------
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
--------------------------------
FIRST CHARTER CORPORATION
(Exact Name of Registrant as Specified in its Charter)
NORTH CAROLINA                                      
56-1355866
(State or Other Jurisdiction of                                 
(I.R.S. Employer
Incorporation or Organization)                           
Identification Number)
10200 DAVID TAYLOR DRIVE
CHARLOTTE, NORTH CAROLINA 28262-2373
(Address, including zip code, of Principal Executive Offices)
FIRST CHARTER CORPORATION
RETIREMENT SAVINGS PLAN
(Full Title of the Plan)
LAWRENCE M. KIMBROUGH
PRESIDENT AND CHIEF EXECUTIVE OFFICER
FIRST CHARTER CORPORATION
10200 DAVID TAYLOR DRIVE
CHARLOTTE, NORTH CAROLINA 28262-2373
(704) 688-4300
(Name, Address, Including Zip Code, and Telephone Number, Including
Area Code, of Agent For Service)
COPY TO:
RICHARD W. VIOLA, ESQ.
SMITH HELMS MULLISS & MOORE, L.L.P.
201 NORTH TRYON STREET
CHARLOTTE, NORTH CAROLINA 28202
TELEPHONE: (704) 343-2149
-------------------------
CALCULATION OF REGISTRATION FEE
Title of Securities to be Registered
Amount to be Registered (1)
Proposed Maximum Offering Price Per Share (2)
Proposed Maximum Aggregate Offering Price (2)
Amount of Registration Fee (2)
Common Stock, no par value
1,000,000 shares
$17.98
$17,980,000
$4,495.00
(1) In addition, pursuant to Rule 416(c) under the Securities Act of
1933, as amended (the "Securities Act"), this Registration Statement also
covers an indeterminate amount of interests to be offered or sold pursuant
to the employee benefit plan described herein.
(2) The price is estimated in accordance with Rule 457(h) and (c) under
the Securities Act solely for the purpose of calculating the registration
fee, based on the average of the high and low prices of First Charter Corporation's
common stock as reported on the Nasdaq National Market on July 25, 2001.
PART I
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
The documents that from time to time contain
the information specified by Part I of this registration statement (the
"Registration Statement") of First Charter Corporation (the "Registrant"
or the "Company") will be sent or given to eligible employees as specified
by Rule 428(b)(1) under the Securities Act of 1933, as amended (the "Securities
Act") and will be kept on file at the offices of the Company in accordance
with Rule 428(a)(2). Such documents, together with the documents incorporated
by reference in Item 3 of Part II hereof, constitute the Section 10(a)
prospectus of the Company. Upon written or oral request, the Company will
provide to eligible employees, without charge, a copy of such documents
and any other documents required to be delivered pursuant to Rule 428(b).
Requests for the above mentioned information should be directed to Anne
C. Forrest, Corporate Secretary, at First Charter Corporation, 10200 David
Taylor Drive, Charlotte, North Carolina 28262-2373; telephone number (704)
688-4300.
<Page>
PART II
INFORMATION REQUIRED IN REGISTRATION STATEMENT
ITEM 3. INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
The following documents are incorporated by
reference into this Registration Statement and are deemed to be a part
hereof from the date of the filing of such documents:
(1) The Registrant's Annual Report on Form
10-K for the fiscal year ended December 31, 2000;
(2)  The First Charter Corporation Retirement
Savings Plan (the "Plan") Annual Report on Form 11-K for the fiscal year
ended December 31, 2000;
(3)  The Registrant's Quarterly Report
on Form 10-Q for the quarter ended March 31, 2001;
(4)  The Registrant's Current Reports
on Form 8-K dated January 16, 2001, April 17, 2001 and July 10, 2001;
(5)  The description of Common Stock contained
in the Registrant's Registration Statement filed under Section 12 of the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), including
all amendments or reports filed for the purpose of updating such description.
All other documents subsequently filed by the Company or the Plan pursuant
to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior to the
filing of a post-effective amendment which indicates that all securities
offered have been sold or which deregisters all securities then remaining
unsold, shall be deemed to be incorporated by reference herein and to be
a part hereof from the date of filing of such documents. Any statement
contained in a document incorporated or deemed incorporated herein by reference
shall be deemed to be modified or superseded for the purpose of this Registration
Statement to the extent that a statement contained herein or in any subsequently
filed document which also is, or is deemed to be, incorporated herein by
reference modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded,
to constitute a part of this Registration Statement.
ITEM 4. DESCRIPTION OF SECURITIES
Not applicable.
ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL
Not applicable.
3
<Page>
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
In accordance with the provisions of the North
Carolina Business Corporation Act (the "NCBCA"), the Registrant's Amended
and Restated Articles of Incorporation (the "Registrant's Articles") and
the Registrant's Bylaws provide that, in addition to the indemnification
of directors and officers otherwise provided by the NCBCA, the Registrant
shall, under certain circumstances, indemnify its directors, executive
officers and certain other designated officers against any and all liability
and expenses, including reasonable attorneys' fees, in any proceeding (including,
without limitation, a proceeding brought by or on behalf of the Registrant
itself) arising out of their status or activities as directors and officers,
except for liability or litigation expense incurred on account of activities
of such person which at the time taken were known or believed by such person
to be clearly in conflict with the best interests of the Registrant. The
Registrant's Bylaws further provide that the Registrant shall also indemnify
such person for reasonable costs, expenses and attorneys' fees incurred
in connection with the enforcement of the rights to indemnification granted
in the Bylaws, if it is determined in accordance with the procedures set
forth in the Bylaws that such person is entitled to indemnification thereunder.
Pursuant to the Bylaws and as authorized by statute, the Registrant maintains
insurance on behalf of its directors and officers against liability asserted
against such persons in such capacity whether or not such directors or
officers have the right to indemnification pursuant to the Bylaws or otherwise.
In addition, the Registrant's Articles prevent the recovery by the Registrant
or any of its shareholders of monetary damages against its directors to
the fullest extent permitted by the NCBCA.
In addition to the above-described provisions,
Sections 55-8-50 through 55-8-58 of the NCBCA contain provisions prescribing
the extent to which directors and officers shall or may be indemnified.
Section 55-8-51 of the NCBCA permits a corporation, with certain exceptions,
to indemnify a current or former director against liability if (i) he conducted
himself in good faith, (ii) he reasonably believed (x) in the case of conduct
in his official capacity with the corporation, that his conduct was in
the best interests of the corporation and (y) in all other cases his conduct
was at least not opposed to the corporation's best interests and (iii)
in the case of any criminal proceeding, he had no reasonable cause to believe
his conduct was unlawful. A corporation may not indemnify a director in
connection with a proceeding by or in the right of the corporation in which
the director was adjudged liable to the corporation or in connection with
a proceeding charging improper personal benefit to him, whether or not
involving action in his official capacity, in which he was adjudged liable
on the basis that personal benefit was improperly received by him. The
above standard of conduct is determined by the Board of Directors or a
committee thereof or special legal counsel or the shareholders as prescribed
in Section 55-8-55.
Sections 55-8-52 and 55-8-56 of the NCBCA require
a corporation to indemnify a director or officer in the defense of any
proceeding to which he was a party because of his capacity as a director
or officer against reasonable expenses when he is wholly successful, on
the merits or otherwise, in his defense, unless the articles of incorporation
provide otherwise. Upon application, the court may order indemnification
of the director
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or officer if the court determines that he is entitled to mandatory
indemnification under Section 55-8-52, in which case the court shall also
order the corporation to pay the reasonable expenses incurred to obtain
court-ordered indemnification or if he is adjudged fairly and reasonably
so entitled in view of all relevant circumstances under Section 55-8-54.
Section 55-8-56 allows a corporation to indemnify and advance expenses
to an officer, employee or agent who is not a director to the same extent,
consistent with public policy, as a director or as otherwise set forth
in the corporation's articles of incorporation or bylaws or by resolution
of the Board of Directors or contract.
In addition, Section 55-8-57 permits a corporation
to provide for indemnification of directors, officers, employees or agents,
in its articles of incorporation or bylaws or by contract or resolution,
against liability in various proceedings and to purchase and maintain insurance
policies on behalf of these individuals.
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
Not applicable.
ITEM 8. EXHIBITS
The exhibits
included as part of this Registration Statement are as follows:
Exhibit
Number
Description
5.1                   
Opinion of Smith Helms Mulliss & Moore, L.L.P.
The Registrant hereby undertakes that it will submit,
or has submitted, the Plan and any amendment thereto to the Internal Revenue
Service ("IRS") in a timely manner and has made, or will make, all changes
required by the IRS in order to qualify the Plan.
23.1                
Consent of Smith Helms Mulliss & Moore, L.L.P.
(included in Exhibit 5.1)
23.2                
Consent of KPMG LLP
23.3                
Consent of KPMG LLP
24.1                
Power of Attorney (included on the signature page
contained in Part II hereof)
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ITEM 9. UNDERTAKINGS
(a)   
The undersigned Registrant hereby undertakes:
(1)  To file, during any period in which offers or sales are being
made, a
post-effective
amendment to this Registration Statement:
(i) To include any prospectus required by Section 10(a)(3) of the
Securities Act;
(ii) To reflect in the prospectus any facts or events arising after
the effective date of this Registration Statement (or the most recent post-effective
amendment thereof) which, individually or in the aggregate, represent a
fundamental change in the information set forth in this Registration Statement.
Notwithstanding the foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not exceed
that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus
filed with the Commission pursuant to Rule 424(b) if, in the aggregate,
the changes in volume and price represent no more than a 20% change in
the maximum aggregate offering price set forth in the "Calculation of Registration
Fee" table in the effective registration statement;
(iii) To include any material information with respect to the plan of
distribution not previously disclosed in this Registration Statement or
any material change to such information in this Registration Statement;
provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) above do not
apply if the Registration Statement is on Form S-3, Form S-8 or Form F-3
and the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed with or furnished
to the Securities and Exchange Commission by the Registrant pursuant to
Section 13 or Section 15(d) of the Exchange Act that are incorporated by
reference in this Registration Statement.
(2) That, for the purpose of
determining any liability under the Securities Act, each such post-effective
amendment shall be deemed to be a new registration statement relating to
the securities being offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
(3)  To remove from
registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.
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(b)    The undersigned Registrant
hereby undertakes that, for purposes of determining any liability under
the Securities Act, each filing of the Registrant's annual report pursuant
to Section 13(a) or Section 15(d) of the Exchange Act (and, where applicable,
each filing of an employee benefit plan's annual report pursuant to Section
15(d) of the Exchange Act) that is incorporated by reference in this Registration
Statement shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial bona fide offering thereof.
(c)      Insofar as
indemnification for liabilities arising under the Securities Act may be
permitted to directors, officers and controlling persons of the Registrant
pursuant to the Registrant's Articles, Bylaws or otherwise, the Registrant
has been advised that in the opinion of the Securities and Exchange Commission
such indemnification is against public policy as expressed in the Securities
Act and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of expenses
incurred or paid by a director, officer or controlling person of the Registrant
in the successful defense of any action, suit or proceeding) is asserted
by such director, officer or controlling person in connection with the
securities being registered, the Registrant will, unless in the opinion
of its counsel the matter has been settled by controlling precedent, submit
to a court of appropriate jurisdiction the question whether such indemnification
by it is against public policy as expressed in the Securities Act and will
be governed by the final adjudication of such issue.
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SIGNATURES
The Registrant
Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable grounds to
believe that it meets all of the requirements for filing on Form S-8 and
has duly caused this registration statement to be signed on its behalf
by the undersigned, thereunto duly authorized, in the City of Charlotte,
State of North Carolina, on July 31, 2001.
FIRST CHARTER CORPORATION
By: /s/ LAWRENCE M. KIMBROUGH
Lawrence M. Kimbrough
President and Chief Executive Officer
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS,
that each individual whose signature appears below and on the following
page constitutes and appoints each of Lawrence M. Kimbrough and Robert
O. Bratton as his true and lawful attorney-in-fact and agent, each acting
alone, with full power of substitution and resubstitution, for him and
in his name, place and stead, in any and all capacities, to sign any and
all amendments to this Registration Statement, including post-effective
amendments, and to file the same, with all exhibits thereto, and all documents
in connection therewith, with the Securities and Exchange Commission, granting
unto each said attorney-in-fact and agent full power and authority to do
and perform each and every act and thing requisite and necessary to be
done in and about the premises, as fully to all intents and purposes as
he might or could do in person, and hereby ratifies and confirms all that
any said attorney-in-fact and agent, each acting alone, or his substitute
or substitutes, may lawfully do or cause to be done by virtue hereof.
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Pursuant to the requirements of the Securities
Act, this Registration Statement has been signed by the following persons,
in the capacities and on the dates indicated.
SIGNATURE
CAPACITY
DATE
/s/ LAWRENCE M. KIMBROUGH
Lawrence M. Kimbrough                               
President, Chief Executive         
July 31, 2001
Officer and Director
(Principal Executive Officer)
/s/ ROBERT O. BRATTON
Robert O. Bratton                                          
Executive Vice President,           
July 31, 2001
Chief Operating Officer
and Chief Financial Officer
(Principal Financial and
Accounting Officer)
/s/ HAROLD D. ALEXANDER                     
Director                                     
July 31, 2001
Harold D. Alexander
/s/ WILLIAM R. BLACK, M.D.                     
Director                                    
July 31, 2001
William R. Black, M.D.
/s/ JAMES E. BURT, III                                  
Director                                    
July 31, 2001
James E. Burt, III
/s/ MICHAEL R. COLTRANE                       
Director                                     
July 31, 2001
Michael R. Coltrane
/s/ J. ROY DAVIS, JR.                                   
Director                                     
July 31, 2001
J. Roy Davis, Jr.
/s/ JOHN J. GODBOLD, JR.                          
Director                                     
July 31, 2001
John J. Godbold, Jr.
/s/ CHARLES F. HARRY, III.                         
Director                                    
July 31, 2001
Charles F. Harry, III
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/s/ FRANK H. HAWFIELD, JR.                     
Director                                    
July 31, 2001
Frank H. Hawfield, Jr.
/s/ CHARLES A. JAMES                                
Director                                    
July 31, 2001
Charles A. James
/s/ WALTER H. JONES, JR.                           
Director                                     
July 31, 2001
Walter H. Jones, Jr.
/s/ SAMUEL C. KING, JR.                             
Director                                     
July 31, 2001
Samuel C. King, Jr.
/s/ JERRY E. MCGEE                                      
Director                                    
July 31, 2001
Jerry E. McGee
/s/ HUGH H. MORRISON                              
Director                                      
July 31, 2001
Hugh H. Morrison
/s/ THOMAS R. REVELS                                
Director                                   
July 31, 2001
Thomas R. Revels
/s/ LAWRENCE D. WARLICK, JR.                
Director                                   
July 31, 2001
Lawrence D. Warlick, Jr.
/s/ WILLIAM W. WATERS                             
Director                                   
July 31, 2001
William W. Waters
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The Plan
Pursuant to the requirements of
the Securities Act of 1933, the trustees (or other persons who administer
the First Charter Corporation Retirement Savings Plan) have duly caused
this Registration Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Charlotte, North Carolina on
July 31, 2001.
THE FIRST CHARTER CORPORATION
RETIREMENT SAVINGS PLAN
By: FIRST CHARTER BANK, as Trustee
By: /s/ LAWRENCE M. KIMBROUGH
Lawrence M. Kimbrough
President and Chief Executive Officer
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EXHIBIT INDEX
TO
REGISTRATION STATEMENT ON FORM S-8
Exhibit
Number
Description
5.1                 
Opinion of Smith Helms Mulliss & Moore, L.L.P.
23.1                  
Consent of Smith Helms Mulliss & Moore, L.L.P.
(included in Exhibit 5.1)
23.2                  
Consent of KPMG LLP
23.3                   
Consent of KPMG LLP
24.1                    
Power of Attorney (included on the signature
page contained in Part II hereof)
<Page>                                                           
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