X0202 4 2005-11-09 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001187077 JAMES CHARLES A 10200 DAVID TAYLOR DRIVE CHARLOTTE NC 28262-2373 1 0 0 0 Common Stock 2005-01-18 5 J 0 E 171.7152 23.88 A 149049.4202 D Common Stock 2005-04-18 5 J 0 E 189.4221 21.82 A 149423.8423 D Common Stock 2005-07-18 5 J 0 E 173.0812 24.088 A 149596.9235 D Common Stock 2005-10-17 5 J 0 E 185.3582 22.67 A 149782.2817 D Common Stock 2005-11-09 4 M 0 360 15.75 A 150142.2817 D Common Stock 2005-11-09 4 M 0 500 17.37 A 150642.2817 D Common Stock 2005-11-09 4 M 0 1667 18.81 A 152309.2817 D Common Stock 2005-11-09 4 M 0 360 20.02 A 152669.2817 D Common Stock 9600 I Join with Son Common Stock 9600 I Joint with Daughter Stock Options (Right to buy) 23.66 2015-01-19 Common Stock 2500 2500 D Stock Options (Right to buy) 15.75 2005-11-09 4 M 0 360 15.75 D 2011-01-17 Common Stock 360 0 D Stock Options (Right to buy) 17.37 2005-11-09 4 M 0 500 17.37 D 2012-01-16 Common Stock 500 500 D Stock Options (Right to buy) 18.81 2005-11-09 4 M 0 1667 18.81 D 2013-01-22 Common Stock 1667 1667 D Stock Options (Right to buy) 20.02 2005-11-09 4 M 0 360 20.02 D 2014-01-21 Common Stock 360 1440 D Shares aquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report. Options are exercisable in 5 equal yearly installments beginning one year after grant date. 500 options currently exercisable. The remaining 500 options will become exercisable on 01/16/2006 All Options are currently exercisable 1,667 options are currently exercisable. The remaining 1,667 options will become exercisable on 01/22/2006. Jan H Hollar, by Power of Attorney 2005-11-10