FORM 5
[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
[ ] Form 3 Holdings Reported
[ ] Form 4 Transactions Reported 		UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

                                                                                  

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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public
Utility Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

MESSINGER ELLEN L

2. Issuer Name and Ticker or Trading Symbol

FIRST CHARTER CORP /NC/ [fctr]

5. Relationship of Reporting Person(s) to Issuer (Check all applicable)

__ X __ Director                      _____ 10% Owner
_____ Officer (give title below)      _____ Other (specify below)

(Last)          (First)          (Middle)

10200 DAVID TAYLOR DRIVE

3. Statement for Issuer's Fiscal Year Ended (MM/DD/YYYY)
12/31/2007 
(Street)

CHARLOTTE, NC 28262-2373

(City)        (State)        (Zip)
4. If Amendment, Date Original Filed (MM/DD/YYYY)

 
6. Individual or Joint/Group Filing (Check Applicable Line)

_ X _ Form Filed by One Reporting Person
___ Form Filed by More than One Reporting Person


Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3) 		2. Trans. Date 2A. Deemed Execution Date, if any 3. Trans. Code
(Instr. 8) 		4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4) 		6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4) 		7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Amount (A) or (D) Price
Common Stock                 9092.1943   (1) D    
Common Stock                 784.8575   (2) I   Son - Alexander  
Common Stock                 740.9306   (3) I   Son - Maxwell  
Common Stock                 447.6267   (4) I   Spouse - Timothy  

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 3) 		2. Conversion or Exercise Price of Derivative Security 3. Trans. Date 3A. Deemed Execution Date, if any 4. Trans. Code
(Instr. 8) 		5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		6. Date Exercisable and Expiration Date
(MM/DD/YYYY) 		7. Title and Amount of Securities Underlying Derivative Security
(Instr. 3 and 4) 		8. Price of Derivative Security
(Instr. 5) 		9. Number of Derivative Securities Beneficially Owned at End of Issuer's Fiscal Year
(Instr. 4) 		10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4) 		11. Nature of Indirect Beneficial Ownership
(Instr. 4)
(A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Right to Buy)   $14.5                   (5) 1/20/2010   Common Stock   1800     1800   D    
Stock Options (Right to Buy)   $15.75                   (5) 1/17/2011   Common Stock   1800     1800   D    
Stock Options (Right to Buy)   $17.37                   (5) 1/16/2012   Common Stock   2500     2500   D    
Stock Options (Right to Buy)   $18                   (5) 10/14/2009   Common Stock   1800     1800   D    
Stock Options (Right to Buy)   $18.81                   (5) 1/22/2013   Common Stock   5000     5000   D    
Stock Options (Right to Buy)   $20.02                   (5) 1/21/2014   Common Stock   1800     1800   D    
Stock Options (Right to Buy)   $23.66                   (5) 1/19/2015   Common Stock   2500     2500   D    
Stock Options (Right to Buy)   $26.75                   (5) 4/29/2008   Common Stock   1000     1000   D    

Explanation of Responses:
( 1)  Includes 153.1943 shares acquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last repoert.
( 2)  Includes 13.2242 shares acquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report.
( 3)  Includes 12.4841 shares acquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report.
( 4)  Includes 7.5421 shares acquired under the First Charter Corporation dividend reinvestment plan since the date of the reporting person's last report.
( 5)  All Options are currently exercisable.

Reporting Owners
Reporting Owner Name / Address
Relationships
Director 10% Owner Officer Other
MESSINGER ELLEN L
10200 DAVID TAYLOR DRIVE
CHARLOTTE, NC 28262-2373 		X



Signatures
/s/ STEPHEN J. ANTAL, by Power of Attorney 2/14/2008
** Signature of Reporting Person Date


Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.
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