1. Name and Address of Reporting Person
   REVELS, THOMAS R.
   10200 DAVID TAYLOR DRIVE
   PO BOX 37937
   CHARLOTTE, NC 28237-7937
2. Issuer Name and Ticker or Trading Symbol
   FIRST CHARTER CORPORATION (FCTR)
3. IRS or Social Security Number of Reporting Person (Voluntary)
4. Statement for Month/Year
   2002
5. If Amendment, Date of Original (Month/Day/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   (X) Director                   ( ) 10% Owner
   ( ) Officer (give title below) ( ) Other (specify below)
7. 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             |2. Trans- |3. Trans-    |4. Securities Acquired (A)   |5. Amount of    |6. Owner-  |7. Nature   |
|                                 |   action |   action    |   or Disposed of (D)        |   Securities   |   ship    |   of In-   |
|                                 |   Date   |   Code      |                             |   Beneficially |   Form:   |   direct   |
|                                 |          |             |                             |   Owned at     |   Direct  |   Bene-    |
|                                 |  (Month/ |             |                             |   End of       |   (D) or  |   ficial   |
|                                 |   Day/   |             +-----------+------+----------+   Year         |   Indirect|   Owner-   |
|                                 |   Year)  |             |Amount     |A/D   |Price     |                |   (I)     |   ship     |
+---------------------------------+----------+-------------+-----------+------+----------+----------------+-----------+------------+
                                                                                               
Common Stock                                                                              1188.6955        D
Common Stock                                                                              0                I           BYRON T
                                                                                                                       REVELS
                                                                                                                       (STREET NAME)
Common Stock                                                                              0                I           COLIN T
                                                                                                                       REVELS
                                                                                                                       (STREET NAME)
Common Stock                       01/17/2002 R             12.062      A      $17.7293                    I           Joint -
                                                                                                                       Thomas Revels
                                                                                                                       & Leigh
                                                                                                                       Revels
Common Stock                       04/11/2002 R             10.9222     A      $19.7780                    I           Joint -
                                                                                                                       Thomas Revels
                                                                                                                       & Leigh
                                                                                                                       Revels
Common Stock                       07/11/2002 R             12.2201     A      $17.8387                    I           Joint -
                                                                                                                       Thomas Revels
                                                                                                                       & Leigh
                                                                                                                       Revels
Common Stock                       10/10/2002 R             13.7574     A      $16.4500   48.9617      I           Joint -
                                                                                                                       Thomas Revels
                                                                                                                       & Leigh
                                                                                                                       Revels
Common Stock - Street Name                                                                850              D





TABLE II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned

+-------------+--------+----------+---------+-----------+---------------------+----------------+----------+--------+-------+-------+
|1.           |2.      |3.        |4.       |5.         |6.                   |7.              |8.        |9.      |10.    |11.    |
|             |        |          |         |           |                     |                |          |Number  |Owner- |       |
|             |        |          |         |           |                     |                |          |of      |ship   |       |
|             |        |          |         |           |                     |                |          |Deriv-  |Form of|       |
|             |        |          |         |           |                     |Title and Amount|          |ative   |Deriv- |       |
|             |        |          |         |           |                     |of Underlying   |          |Secur-  |ative  |Nature |
|             |Conver- |          |         |Number of  |                     |Securities      |          |ities   |Secur- |of     |
|             |sion or |          |         |Derivative |Date Exercisable     +-------+--------+          |Benefi- |ity:   |In-    |
|             |Exercise|          |         |Securities |and Expiration Date  |       |Amount  |          |cially  |Direct |direct |
|             |Price of|Transac-  |Transac- |Acquired(A)|(Month/Day/Year)     |       |or      |          |Owned   |(D) or |Bene-  |
|Title of     |Deriv-  |tion Date |tion Code|Disposed(D)+----------+----------+       |Number  |Price of  |at End  |In-    |ficial |
|Derivative   |ative   |(Month/   |         +-----+-----+Date Exer-|Expira-   |       |of      |Derivative|of      |direct |Owner- |
|Security     |Security|Day/Year) |         |(A)  |(D)  |cisable   |tion Date |Title  |Shares  |Security  |Year    |(I)    |ship   |
+-------------+--------+----------+---------+-----+-----+----------+----------+-------+--------+----------+--------+-------+-------+
                                                                                     
Convertible    $14.455                                              01/14/2010 Common                      7.1915   D
Securities                                                                     Stock
Stock Option   $14.5                                                01/20/2010 Common                      1800     D
                                                                               Stock
Stock Option   $15.75                                               01/17/2011 Common                      1800     D
                                                                               Stock
Stock Option   $17.37                                               01/16/2012 Common                      2500     D
                                                                               Stock
Stock Option   $18                                                  10/14/2009 Common                      1800     D
                                                                               Stock
Stock Option   $26                                                  04/29/2008 Common                      1000     D
                                                                               Stock
DEFERRED       $0                                                   08/31/2008 Common                      197.897  D
COMPENSATION                                                                   Stock                       1
PLAN
DEFERRED       $12.8125                                             03/31/2010 Common                      78.0488  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $13.125                                              04/13/2010 Common                      9.9465   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $13.625                                              02/28/2010 Common                      18.3486  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $13.7188                                             01/31/2010 Common                      52.8474  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $13.875                                              04/28/2010 Common                      79.2793  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $14.563                                              07/31/2010 Common                      58.3671  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $14.8061                                             12/31/2010 Common                      368.74   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $14.8438                                             12/31/2009 Common                      43.7895  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $15.75                                               06/30/2010 Common                      79.3651  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $15.9063                                             07/13/2010 Common                      10.0091  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $16.125                                              11/30/2009 Common                      24.8062  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $16.45   10/10/2002 J     21.02       11/01/2002 10/10/2012 Common  21.02    $16.4500   21.02    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $16.76   08/01/2002 N     17.9        09/02/2002 08/01/2012 Common  17.9     $16.7600   17.9     D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $16.85   10/02/2002 N     34.12       11/01/2002 10/02/2012 Common  34.12    $16.8500   34.12    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $17.063                                                         Common                      38.0952  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $17.25                                                          Common                      11.5945  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $17.44   01/30/2002 N     34.4        02/01/2002 01/30/2012 Common  34.4     $17.4400   34.4     D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $17.5                                                09/30/2009 Common                      37.1429  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $17.7293 01/17/2002 J     17.09       02/01/2002 01/17/2012 Common  17.0992  $17.7293   17.0992  D
COMPENSATION                                 92                        Stock
PLAN
DEFERRED       $17.7557                                                        Common                      3.0246   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $17.8387 07/11/2002 J     18.14       08/01/2002 07/11/2012 Common  18.14    $17.8387   18.14    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $17.884                                                         Common                      2.0351   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $18.13   04/02/2002 N     35.85       05/01/2002 04/02/2012 Common  35.85    $18.1300   35.85    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $18.1875                                                        Common                      32.9897  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $18.23                                               12/19/2012 Common                      68.324   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $18.563                                                         Common                      21.5488  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $18.98                                               10/14/2009 Common                      4.6303   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $19                                                             Common                      78.9473  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $19                                                  10/31/2009 Common                      21.0526  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $19.5    06/28/2002 N     25.64       07/01/2002 06/28/2012 Common  25.64    $19.5000   25.64    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $19.52   05/23/2002 N     7.68        06/03/2002 05/23/2012 Common  7.68     $19.5200   7.68     D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $19.6614                                                        Common                      3.3386   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $19.778  04/11/2002 J     15.92       05/01/2002 04/11/2012 Common  15.92    $19.7780   15.92    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $20.22   05/01/2002 N     22.26       06/03/2002 05/01/2012 Common  22.26    $20.2200   22.26    D
COMPENSATION                                                           Stock
PLAN
DEFERRED       $21.625                                                         Common                      18.4971  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $22.6875                                             07/31/2009 Common                      17.6309  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $23.1683                                             07/15/2009 Common                      3.3685   D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $24.219                                                         Common                      24.7739  D
COMPENSATION                                                                   Stock
PLAN
DEFERRED       $24.6875                                                        Common                      26.3291  D
COMPENSATION                                                                   Stock
PLAN

Explanation of Responses:


T. Revels - Common Stock Ownership of all shares represents joint ownership
between Thomas R. Revels and Leigh B. Revels

Dividend Reinvestment of Common Stock related to acquisition of Common Stock
under First Charter Corporation Deferred Compensation Plan for Non-Employee
Directors.

Non-Qualified option carried forward in accordance to the merger agreement with
Bank of Union.

Non-Employee directors may withdraw common stock from the deferred comp plan the
1st day of the calendar month following retirement, death, or termination.

No expiration date



SIGNATURE OF REPORTING PERSON
/s/ THOMAS R. REVELS

DATE
02/14/2003