X0201 4/A 2003-07-22 2003-07-22 0 0000717306 FIRST CHARTER CORP /NC/ FCTR 0001187077 JAMES CHARLES A P.O. BOX 37937 CHARLOTTE NC 28237 1 0 0 0 Common Stock 136830.338 D This amendment being filed increases the number of shares held by the reporting person by 1,360.339 shares which represent Dividend Reinvestment shares the reporting person received prior to July 22, 2003. Jan H. Hollar, by Power of Attorney 2004-02-13