Exhibit 23.5


                        CONSENT OF YOUNG & ASSOCIATES, INC.


December 13, 2001


         We consent to the inclusion in the Registration statement on Form S-4
of First Citizens Banc Corp of our fairness opinion set forth as Appendix D to
the Joint Proxy Statement/Prospectus, which is part of the Registration
Statement, and to the reference to our firm and summarization of our opinion in
the Joint Proxy Statement/Prospectus under the caption "Fairness Opinion of
Young & Associates."


Young & Associates, Inc.



/s/ Stephen Clinton
-----------------------
Stephen Clinton
Vice President