X0202 4/A 2008-01-31 2008-02-01 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001187088 WATERS WILLIAM W 10200 DAVID TAYLOR DRIVE CHARLOTTE NC 28262-2373 1 0 0 0 Common Stock 2008-01-31 4 M 0 1659.51 0 A 78757.5172 D Common Stock 2008-01-31 4 D 0 0.51 27.54 D 78757.0072 D Phantom Stock 2008-01-31 4 M 0 1659.51 0 D Common Stock 1659.51 0 D Includes 278.8389 shares aquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report. Non-Employee directors may withdraw common stock from the deferred comp plan the first day of the calendar month following retirement, death, or termination. 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 43.1312 shares. One for One Stephen J Antal, by Power of Attorney 2008-02-25