Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
BRATTON ROBERT O
   2. Issuer Name and Ticker or Trading Symbol
FIRST CHARTER CORP /NC/ [FCTR] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
CFO
(Last)
(First)
(Middle)
10200 DAVID TAYLOR DRIVE		 3. Date of Earliest Transaction (Month/Day/Year)
01/19/2005
(Street)

CHARLOTTE, NC 28262-2373		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock               123,772.6853 D  
Common Stock               4,165.929 I Catherine Bratton
Common Stock               207.3679 I Daughter - Caroline Bratton
Common Stock               3,590.7706 I Mother - Alice
Common Stock               207.3679 I Son - Robert O. Bratton, II

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Right to buy) $ 14.5               (1) 01/20/2010 Common Stock 19,139   19,139 D  
Stock Options (Right to buy) $ 15.75               (2) 01/17/2011 Common Stock 9,216   9,216 D  
Stock Options (Right to buy) $ 17.37               (3) 01/16/2012 Common Stock 8,794   8,794 D  
Stock Options (Right to buy) $ 17.9167               (1) 12/14/2005 Common Stock 3,000   3,000 D  
Stock Options (Right to buy) $ 17.9167               (1) 12/04/2006 Common Stock 3,360   3,360 D  
Stock Options (Right to buy) $ 18.125               (1) 01/21/2009 Common Stock 7,729   7,729 D  
Stock Options (Right to buy) $ 18.39               (4) 01/15/2013 Common Stock 17,278   17,278 D  
Stock Options (Right to buy) $ 25               (1) 12/01/2007 Common Stock 2,400   2,400 D  
Stock Options (Right to buy) $ 23.66 01/19/2005   A   13,989     (5) 01/19/2015 Common Stock 13,989 $ 23.66 13,989 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
BRATTON ROBERT O
10200 DAVID TAYLOR DRIVE
CHARLOTTE, NC 28262-2373		       CFO  

Signatures

 Jan H Hollar   01/21/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(4) 4,319 shares of 11,674 Non-Qualified are currently exercisable. The remaining shares become exercisable as follows, 4,319 shares become exercisable on 01/15/2005 and 3,036 shares become exercisable on 01/15/2006. 9,923 Incentive shares become exercisable as follows: 1,284 shares become exercisable on 01/15/2006, 4,319 shares become exercisable on 01/15/2007, and 4,320 shares become exercisable on 01/15/2008.
(5) Options are exercisable in 5 yearly installments beginning one year after grant date.
(2) 14,080 of 14,080 Non-Qualified are currently exercisable. 4,556 of 9,216 Incentive are currently exercisable. The remaining 4,660 become exercisable on 01/17/2005
(3) 13,191 of 16,057 Non-Qualified are currently exercisable. The remaining 2,866 become exercisable on 01/16/2005. 5,928 Incentive become exercisable as follows, 1,531 become exercisable on 01/16/2005 and 4,397 become exercisable on 01/16/2006
(1) All Options are currently exercisable

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