X0202 4 2004-11-15 0 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001187079 JONES WALTER H JR P.O. BOX 37937 CHARLOTTE NC 28237 1 0 0 0 Common Stock 2004-01-15 4 J 0 7.2171 19.8222 A 10337.5921 D Common Stock 2004-04-15 4 J 0 7.0092 20.6 A 10344.6013 D Common Stock 2004-07-15 4 J 0 6.5494 22.2451 A 10351.1507 D Common Stock 2004-10-18 4 J 0 5.9419 25.391 A 10357.0926 D Common Stock 2004-11-15 4 M 0 1440 15.75 A 11797.0926 D Common Stock 2004-11-15 4 M 0 2100 17.37 A 13897.0926 D Common Stock 2004-11-15 4 M 0 1666 18.81 A 15563.0926 D Common Stock 600 I Spouse IRA - Margaret Common Stock 26548 I Spouse Street Name - Margaret Stock Options (Right to Buy) 15.75 2004-11-15 4 M 0 1440 15.75 D 2011-01-17 Common Stock 1440 360 D Stock Options (Right to Buy) 17.37 2004-11-15 4 M 0 2100 17.37 D 2012-01-16 Common Stock 2100 1400 D Stock Options (Right to Buy) 18.81 2004-11-15 4 M 0 1666 18.81 D 2013-01-22 Common Stock 1666 3334 D Shares aquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report. 1,440 options are currently exercisable. Remaining 360 options exercisable on 01/17/2005 2,100 options are currently exercisable. Remaining 1,400 options are exercisable in equal installments on 01/16/2005 and 01/16/2006. 1,666 options are currently exercisable. Remaining 3,334 options are exercisable in equal installments on 01/22/2005 and 01/22/2006. Jan H Hollar, by power of attorney 2004-11-17