content: <PAGE>
  <PAGE>1
  
                  SECURITIES AND EXCHANGE COMMISSION
  
                        Washington, D.C. 20569
  
                               FORM 8-K
  
                            CURRENT REPORT
  
                 Pursuant to Section 13 or 15 (d) of
                 the Securities Exchange Act of 1934
  
  Date of Report November 22, 1994             Commission File Number 2-83542
        (Date of earliest event reported)
  
  
                   FIRST CITIZENS BANCSHARES, INC.
        (Exact name of registrant as specified in its charter)
  
       TENNESSEE
  (State or other jurisdiction of                      62-1180360
  incorporation or organization)             (I.R.S. Employer Identification No.)
  
  P.O. Box 370
  Court Street, Dyersburg, Tennessee                    38024
  (Address of Principal Executive Offices)               (Zip Code)
  
       Registrant's telephone number, including area code (901) 285-4410
  
  <PAGE>
  <PAGE>2
  
  Item 2.  Acquisition or Disposition of Assets.
  
  First Volunteer Corporation, Union City, TN merged with First Citizens Banc-
  shares, Inc. on January 1, 1999.  As a result of the merger, First Citizens 
  Bancshares, Inc. issued 445,251 shares of common stock.
  
  
                              SIGNATURES
  
       Pursuant to the requirements of the Securities Exchange Act of 1934, the 
  registrant has duly caused this report to be signed on its behalf by the under-
  signed hereunto duly authorized.
  
  
                                FIRST CITIZENS BANCSHARES, INC.
  
  
  
                                ______________________________________
                                Katie S. Winchester
                                President and CEO
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text: 1
  
                  SECURITIES AND EXCHANGE COMMISSION
  
                        Washington, D.C. 20569
  
                               FORM 8-K
  
                            CURRENT REPORT
  
                 Pursuant to Section 13 or 15 (d) of
                 the Securities Exchange Act of 1934
  
  Date of Report November 22, 1994             Commission File Number 2-83542
        (Date of earliest event reported)
  
                   FIRST CITIZENS BANCSHARES, INC.
        (Exact name of registrant as specified in its charter)
  
       TENNESSEE
  (State or other jurisdiction of                      62-1180360
  incorporation or organization)             (I.R.S. Employer Identification No.)
  
  P.O. Box 370
  Court Street, Dyersburg, Tennessee                    38024
  (Address of Principal Executive Offices)               (Zip Code)
  
       Registrant's telephone number, including area code (901) 285-4410
  2
  
  Item 2.  Acquisition or Disposition of Assets.
  
  First Volunteer Corporation, Union City, TN merged with First Citizens Banc-
  shares, Inc. on January 1, 1999.  As a result of the merger, First Citizens 
  Bancshares, Inc. issued 445,251 shares of common stock.
  
                              SIGNATURES
  
       Pursuant to the requirements of the Securities Exchange Act of 1934, the 
  registrant has duly caused this report to be signed on its behalf by the under-
  signed hereunto duly authorized.
  
                                FIRST CITIZENS BANCSHARES, INC.
  
                                ______________________________________
                                Katie S. Winchester
                                President and CEO