X0202 4 2005-01-21 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001187086 ROWND STEPHEN M 10200 DAVID TAYLOR DRIVE CHARLOTTE NC 28262-2373 0 1 0 0 Executive Vice President Common Stock 2005-01-21 4 M 0 8000 13.438 A 10000 D Common Stock 2005-01-21 4 S 0 5105 23 D 4895 D Common Stock 2005-01-21 4 S 0 400 23.01 D 4495 D Common Stock 2005-01-21 4 S 0 700 23.03 D 3795 D Common Stock 2005-01-21 4 S 0 100 23.04 D 3695 D Common Stock 2005-01-21 4 S 0 300 23.05 D 3395 D Common Stock 2005-01-21 4 S 0 195 23.07 D 3200 D Common Stock 2005-01-21 4 S 0 1000 23.1 D 2200 D Common Stock 2005-01-21 4 S 0 200 23.12 D 2000 D Common Stock 2005-01-24 4 M 0 21822 15.75 A 23822 D Common Stock 2005-01-24 4 S 0 21822 23.34 D 2000 D Stock Options (Right to buy) 17.37 2012-01-16 Common Stock 20584 20584 D Stock Options (Right to buy) 18.39 2013-01-15 Common Stock 20220 20220 D Stock Options (Right to buy) 23.66 2015-01-19 Common Stock 13097 13097 D Stock Options (Right to buy) 13.438 2005-01-21 4 M 0 8000 13.438 D 2010-02-28 Common Stock 8000 2000 D Stock Options (Right to buy) 15.75 2005-01-24 4 M 0 21822 15.75 D 2011-01-17 Common Stock 21822 0 D Options are exercisable in 5 yearly installments beginning one year after grant date. 4,044 shares of 10,583 Non-Qualified shares are currently exercisable. The remaining shares become exercisable as follows, 4,044 shares become exercisable on 01/15/2005 and 2,495 shares become exercisable on 01/15/2006. 9,637 Incentive shares become exercisable as follows: 1,549 shares become exercisable on 01/15/2006, 4,044 shares become exercisable on 01/15/2007, and 4,044 shares become exercisable on 01/15/2008. Shares are exercisable in 5 equal installments beginning one year after grant date of 02/28/2000. 8,000 shares are currently exercisable. 2,000 shares become exercisable on 02/28/2005. 11,595 of 15,461 Non-Qualified shares are currently exercisable. The remaining 3,866 become exercisable on 01/16/2005. 755 of 5,123 Incentive shares are currently exercisable. The remaining 4,368 shares become exercisable as follows, 251 become exercisable on 01/16/2005 and 4,117 become exercisable on 01/16/2006 Shares become exerisable in 5 equal installments beginning 6 months after grant date of 1/17/2001 for the first installment, and each year thereafter. Jan H Hollar 2005-01-25