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     As filed with the Securities and Exchange Commission on April 18, 2001



                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D. C. 20549

                                   FORM 8 - K

                                 CURRENT REPORT


                       Pursuant to Section 13 or 15(d) of
                         Securities Exchange Act of 1934


                Date of Report (Date of earliest event reported):
                                 April 18, 2001
                                 --------------


                            FIRST CHARTER CORPORATION
                            -------------------------
             (Exact name of registrant as specified in its charter)


North Carolina                        0-15829                56-1355866
--------------                        -------                ----------
(State or other                       (Commission            (IRS Employer
jurisdiction of                       File Number)           Identification No.)
incorporation)

         10200 David Taylor Drive, Charlotte, North Carolina 28262-2373
         --------------------------------------------------------------
        (Addresses, including zip codes, of principal executive offices)

                                 (704) 688-4300
                                 --------------
              (Registrant's telephone number, including area code)

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ITEM 7            FINANCIAL STATEMENTS AND EXHIBITS

         (c)      Exhibits.

                  The following exhibits are filed herewith:

                  Exhibit No.               Description
                  -----------               -----------

                  99.1                      Scripts prepared for use by First
                                            Charter Corporation Executives for
                                            securities analysts meeting held on
                                            April 18, 2001, discussing first
                                            quarter 2001 results and fiscal year
                                            2001 outlook and other business
                                            information.

                  99.2                      Slide Package prepared for use with
                                            the Scripts included as Exhibit 99.1
                                            by First Charter Corporation
                                            Executives for securities analysts
                                            meeting held on April 18, 2001,
                                            discussing first quarter 2001
                                            results and fiscal year 2001 outlook
                                            and other business information.

ITEM 9            REGULATION FD DISCLOSURE


         On April 18, 2001, as previously announced, First Charter Corporation
held a simultaneous analyst presentation and audio webcast to discuss first
quarter 2001 results and fiscal year 2001 outlook and other business
information. Scripts and corresponding slide package prepared for use by First
Charter Corporation executives at this presentation were posted to First Charter
Corporation's website and certain of these scripts and slides are also furnished
herewith as Exhibits 99.1 and 99.2, respectively. The furnishing of these
scripts and slides is not intended to constitute a representation such that
furnishing is required by Regulation FD or that the materials they contain
include material investor information that is not otherwise publicly available.
In addition, all of the information in the presentations is presented as of
April 18, 2001, and First Charter Corporation does not assume any obligation to
update such information in the future.

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                                   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
undersigned thereunto duly authorized.


                                           FIRST CHARTER CORPORATION


                                           By: /s/ Robert O. Bratton
                                               ---------------------------------
                                               Robert O. Bratton
                                               EVP and Chief Financial Officer

Dated:  April 18, 2001

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                                  EXHIBIT INDEX

Exhibit No.                Description
-----------                -----------

99.1                       Scripts prepared for use by First Charter Corporation
                           Executives for securities analysts meeting held on
                           April 18, 2001, discussing first quarter 2001 results
                           and fiscal year 2001 outlook and other business
                           information.

99.2                       Slide Package prepared for use with the Scripts
                           included as Exhibit 99.1 by First Charter Corporation
                           Executives for securities analysts meeting held on
                           April 18, 2001, discussing first quarter 2001 results
                           and fiscal year 2001 outlook and other business
                           information.