First Charter Corporation to Reschedule Fourth Quarter Earnings Conference Call.

CHARLOTTE, N.C. -- First Charter Corporation (NASDAQ: FCTR) rescheduled the expected report of its fourth quarter 2006 earnings from the post-market close on January 22, 2007 to the post-market close on January 29, 2007.

The rescheduling is primarily due to completing necessary analyses around purchase accounting related to First Charter Corporation's fourth quarter 2006 acquisition of Gwinnett Banking Company and the reporting of the previously announced fourth quarter sale of Southeastern Employee Benefits Services.

First Charter Corporation's executive management will host a conference call at 10:00 a.m. (ET) on Tuesday, January 30, 2007 to discuss the fourth 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 3822040. 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.

Questions for discussion at the conference call may be submitted any time prior to the call by sending an email to [e-mail].

A replay of the conference call will be available from 2:00 p.m. (ET) on January 30, 2007, until midnight (ET) on February 6, 2007. The replay will be accessible by calling 800-642-1687 (domestic) or 706-645-9291 (international), using the pass code of 3822040. 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 $4.9 billion and is the holding company for First Charter Bank and Gwinnett Banking Company. First Charter operates 58 financial centers, four insurance offices, and 138 ATMs in North Carolina and Georgia, and 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, and mortgages.

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 and 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.