Initial Statement of Beneficial Ownership (Form 3)

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Andracchio Vincent Charles II 2. Date of Event Requiring Statement (Month/Day/Year) 06/17/2026 3. Issuer Name and Ticker or Trading Symbol First Carolina Financial Services, Inc. [FCBM] (Last) (First) (Middle) C/O FIRST CAROLINA FINANCIAL SERVICES, 2626 GLENWOOD AVENUE SUITE 200 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner _____ Officer (give title below) _____ Other (specify below) 5. If Amendment, Date Original Filed (Month/Day/Year) (Street) RALEIGH, NC 27608 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common Stock 92,426(1) D Common Stock 1,400 I By spouse Common Stock 77,624 I By L.A. Dunn, Jr. Marital Trust B Common Stock 5,000 I By Sylvia B. Andracchio Family Trust Common Stock 80,942 I By L.A. Dunn, Jr. Family Trust A Common Stock 200,568 I By Leon Algernon Dunn, Jr. Irrevocable Life Insurance Trust Common Stock 15,716 I By Leon Algernon Dunn, Jr. Irrevocable Life Insurance Trust Common Stock 25,284 I By Vincent C. Andracchio Living Trust Common Stock 75,228 I By Guardian Holdings, Inc.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Andracchio Vincent Charles II C/O FIRST CAROLINA FINANCIAL SERVICES 2626 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27608	X

Signatures

/s/ Kristen Brabble, as attorney-in-fact		06/17/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(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).
(1)	Includes (i) 13,000 restricted stock awards ("RSAs") granted on July 1, 2017 that vest in ten substantially equal annual installments with the last vesting date occurring on January 1, 2027; (ii) 1,000 RSAs granted on January 1, 2019 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (iii) 5,548 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 5,314 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (v) 5,486 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (vi) 4,514 RSAs granted on January 1, 2026 that vest in five substantially equal annual installments on the first five anniversaries of the grant date.
Remarks: Exhibit 24.1 - Power of Attorney

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