First Charter Corporation to Hold Third Quarter Earnings Conference Call.

Press Release -- Monday, October 23, 2006

Analysts Conference Call -- Tuesday, October 24, 2006, at 10:00 A.M. ET

CHARLOTTE, N.C. -- First Charter Corporation (NASDAQ:FCTR) expects to report its third quarter 2006 earnings after the market close on October 23, 2006.

First Charter Corporation's executive management will host a conference call at 10:00 a.m. (ET) on Tuesday, October 24, 2006, to discuss the third quarter 2006 financial results. Interested parties may access the conference call by dialing 800-379-3953 (domestic) or 706-679-5254 (international), using the pass code of 7542650. Participants are encouraged to call in 15 minutes prior to the call in order to register for the event. The earnings release and the conference call slide presentation will also be accessible via the Company's Web site, www.firstcharter.com, under the Investor Relations section.

A replay of the conference call will be available from 2:00 p.m. (ET) on October 24, 2006, until midnight (ET) on October 31, 2006. The replay will be accessible by calling 800-642-1687 (domestic) or 706-645-9291 (international), using the pass code of 7542650. An audio replay will also be available on the Company's Web site under the Investor Relations section for 30 days.

Corporate Profile

First Charter Corporation (NASDAQ:FCTR), headquartered in Charlotte, North Carolina, is a regional financial services company with assets of $4.4 billion and is the holding company for First Charter Bank. First Charter operates 56 financial centers, four insurance offices, and 136 ATMs throughout North Carolina. First Charter also operates loan origination offices in Asheville, North Carolina and Reston, Virginia. First Charter provides businesses and individuals with a broad range of financial services, including banking, financial planning, wealth management, investments, insurance, mortgages, and a full array of employee benefit programs.

For more information about First Charter, visit the Company's Web site at www.firstcharter.com or call 800-601-8471.

Forward-Looking Statements

This news release may contain certain forward-looking statements, which involve certain risks and uncertainties. Various factors may cause actual results to differ materially from those contemplated by such forward-looking statements. For further information and a summary of certain of the factors, which could affect the accuracy of these forward-looking statements, refer to First Charter's reports filed with the Securities & Exchange Commission pursuant to the Securities Exchange Act of 1934 which are available at the SEC's website (www.sec.gov) or at First Charter's website (www.firstcharter.com). Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management's judgments only as of the date hereof. First Charter undertakes no obligation to publicly revise those forward-looking statements to reflect events and circumstances that arise after the date hereof.