X0202 4/A 2008-01-31 2008-02-01 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001379825 Combs Richard Franklin 10200 DAVID TAYLOR DRIVE CHARLOTTE NC 28262-2373 1 0 0 0 Common Stock 2008-01-31 4 M 0 1926.736 0 A 115823.736 D Common Stock 2008-01-31 4 D 0 0.736 27.54 D 115823 D Common Stock 13688 I Spouse Phantom Stock 2008-01-31 4 M 0 1926.736 0 D Common Stock 1926.736 0 D Non-Employee directors may withdraw common stock from the deferred comp plan the first day of the calendar month following retirement, death, or termination. Includes 6.9473 shares acquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report. Each share of phantom stock was the economic equivalent of one share of First Charter Corporation common stock. The reporting person settled the shares of phantom stock for shares of First Charter common stock and fractional shares for cash Due to an administrative error by the plan administrator relating to the allocation of the plan shares, the director's previously reported holdings have been increased by 2 shares. Non-Employee directors may withdraw common stock from the deferred comp plan the first day of the calendar month following retirement, death, or termination. One for One Stephen J Antal, by Power of Attorney 2008-02-25