WEST COAST BANCORP AND SUBSIDIARIES
                                     
                  U.S. Securities And Exchange Commission
                          Washington, D.C. 20549
                                     
                                FORM 10-QSB
                                     
       [X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                      SECURITIES EXCHANGE ACT OF 1934
                                     
             For the quarterly period ended September 30, 1996
                                     
                                     
         [  ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE
                               EXCHANGE ACT
                                     
                 For the transition period from N/A to N/A
                                     
                      COMMISSION FILE NUMBER: 0-10897
                                     
                                     
                            WEST COAST BANCORP
                  (Exact name of small business issuer as
                         specified in its charter)

     CALIFORNIA                                        95-3586860
     (State or other jurisdiction                      (IRS Employer
     of incorporation or organization)                 Identification No.)

                          4770 CAMPUS DRIVE, SUITE 250
                      Newport Beach, California 92660-1833
                    (Address of principal executive offices)
                                     
                              (714) 442-9330
           (Registrant's telephone number, including area code)
                                     
                                    N/A
           (Former name, former address, and former fiscal year,
                       if changed since last report)

     Check whether the issuer (1) filed all reports required to be filed by
Section  13 or 15(d) of the Exchange Act during the past 12 months (or  for
such shorter period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days.
                               YES  X     NO
                                  ---    ---
                                     
           Number of shares outstanding of each of the issuer's
             classes of common equity as of October 30, 1996:
                                     
                                 9,168,942
                                     
        Transitional Small Business Disclosure Format Yes    No  X
                                                           --    --
                                     
                                     
                                     







                This document contains a total of 20 pages.

                    WEST COAST BANCORP AND SUBSIDIARIES
                        CONSOLIDATED BALANCE SHEETS
                                (Unaudited)
                                     
                                                September 30, December 31,
(in thousands, except share data)                      1996       1995
                                                 ------------------------
ASSETS
Cash and due from bank                             $  6,274    $  6,507
Interest-bearing deposits with
  financial institutions                              2,756       3,933
Investment securities held to maturity -
  approximate fair value of $2,781 and
  $5,616 in 1996 and 1995, respectively               2,767       5,574
Investment securities available-for-sale
  at fair value                                       1,948           -
Federal funds sold                                   11,100      15,400

Loans                                                77,871      79,000
Less allowance for credit losses                     (3,124)     (3,820)
                                                  -----------------------
  Net loans                                          74,747      75,180
                                                  -----------------------
Real estate owned, net                                3,305       2,637
Premises and equipment, net                           1,329       1,790
Net assets held for sale                                  -       1,452
Other assets                                          1,185       1,181
                                                  -----------------------
                                                   $105,411    $113,654
                                                  =======================
LIABILITIES
Deposits:
  Demand, non-interest bearing                     $ 33,691    $ 35,983
  Savings, money market & interest bearing demand    33,991      36,699
  Time certificates under $100,000                   15,737      22,372
  Time certificates of $100,000 or more               6,667       7,608
                                                  -----------------------
  Total deposits                                     90,086     102,662

Notes payable to affiliates                             360         948
Other borrowed funds                                    844         599
10% convertible subordinated debentures               3,035       3,035
Other liabilities                                     1,075       1,124
Minority interest                                     4,507           -
                                                  -----------------------
  Total liabilities                                  99,907     108,368

SHAREHOLDERS' EQUITY
Common stock, no par value - 30,000,000
  shares authorized, 9,168,942 shares
  issued and outstanding in 1996 and 1995            30,019      30,176
Securities valuation allowance                          (42)          -
Accumulated deficit                                 (24,473)    (24,890)
                                                  -----------------------
  Total shareholders' equity                          5,504       5,286
                                                  -----------------------
                                                   $105,411    $113,654
                                                  =======================





       (See accompanying notes to consolidated financial statements)
                                -2-

                    WEST COAST BANCORP AND SUBSIDIARIES
                   CONSOLIDATED STATEMENTS OF OPERATIONS
                                (Unaudited)




                                    Nine Months Ended  Three Months Ended
(in thousands,                          September 30,       September 30,
 except share data)                   1996      1995      1996      1995
                                   --------------------------------------
INTEREST INCOME
Loans, including fees               $6,135    $6,549    $2,096    $2,180
Investment securities                  292       490        79       149
Deposits with banks                    154       251        45        89
Federal funds sold                     528       663       152       255
                                   --------------------------------------
  Total interest income              7,109     7,953     2,372     2,673

INTEREST EXPENSE
Interest on deposits                 1,546     2,200       467       721
Other                                  453       487       144       278
                                   --------------------------------------
  Total interest expense             1,999     2,687       611       999
                                   --------------------------------------
  Net interest income                5,110     5,266     1,761     1,674

Provision for credit losses           (236)      214      (180)      152
                                   --------------------------------------
  Net interest income after
     provision for credit losses     5,346     5,052     1,941     1,522

Other operating income               1,303       717       645       234
Other operating expenses             5,781     6,428     1,846     2,098
Gain (loss) on liquidation of WCV, Inc.149         -        (3)        -
Loss (gain) on sale of Sunwest shares  394         -       (65)        -
Minority interest expense              199         -       199         -
                                   --------------------------------------
  Income (loss) before income taxes    424      (659)      603      (342)

Income taxes                             7         7         -         -
                                   --------------------------------------

  Net income (loss)                 $  417    $ (666)   $  603    $ (342)
                                   ======================================

Net income (loss) per common share  $  .05    $ (.07)   $  .07    $ (.04)
                                   ======================================

Weighted average number of common
  and shares outstanding             9,169     9,185     9,169     9,169
                                   ======================================










                                     
       (See accompanying notes to consolidated financial statements)
                                -3-
                                     
                    WEST COAST BANCORP AND SUBSIDIARIES
                   CONSOLIDATED STATEMENTS OF CHANGES IN
                    SHAREHOLDERS' EQUITY AND CASH FLOWS
                                (Unaudited)



CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY


                               Common Stock   Securities           Share-
                              -------------   Valuation   Accum.  holders'
(in thousands)                 Shares Amount  Allowance   Deficit  Equity
                             --------------------------------------------

Balance at December 31, 1995  9,169  $30,176   $   -    $(24,890) $5,286
Net income                        -       -        -         417     417
Change in securities
  valuation allowance             -       -      (42)          -     (42)
Decrease from Sunwest issuing
  common stock                    -     (157)      -           -    (157)
                             --------------------------------------------
Balance at September 30, 1996 9,169  $30,019   $ (42)   $(24,473) $5,504
                             ============================================


CONSOLIDATED STATEMENTS OF CASH FLOWS

                                                       Nine Months Ended
                                                         September 30,
(in thousands)                                          1996       1995
                                                   ----------------------
Cash flows from operating activities:
 Net income (loss)                                  $   417       $(666)
 Adjustments to reconcile net income (loss) to net
  cash provided by operating activities:
 Depreciation and amortization                          390         486
 Provision for credit losses                           (236)        214
 Net change in receivables, payables and other assets   432         202
 Proceeds from sales of loans originated for sale         -       1,996
 Loans originated for sale                                -      (1,863)
 Gain from sales of loan, net                             -        (126)
 Write-downs of real estate owned                       291         347
 Gain from sales of real estate owned, net              (60)       (110)
 Gain on discontinued businesses                       (149)          -
 Gain on sale of B&PB shares                           (436)          -
 Loss on sale of Sunwest shares                         394           -
 Minority interest expense                              199           -
                                                    ---------------------
 Net cash provided by (used in) operating activities              1,242
480



                                                              (Continued)








       (See accompanying notes to consolidated financial statements)
                                -4-

                    WEST COAST BANCORP AND SUBSIDIARIES
                   CONSOLIDATED STATEMENTS OF CASH FLOWS
                                (Unaudited)

                                                       Nine Months Ended
(in thousands)                                           September 30,
                                                        1996       1995
Cash flows from investing activities:                --------------------
 Proceeds from maturity of interest bearing cash
  with an original maturity greater than 90 days     $ 2,760   $  1,779
 Purchases of interest bearing cash                   (1,583)    (3,166)
 Proceeds from maturity of investment securities
  held to maturity                                     2,807      2,209
 Purchase of investment securities available-for-sale (1,988)         -
 Net (increase) decrease in loans                     (1,341)     5,374
 Proceeds from sales of real estate owned              1,324      3,418
 Capital expenditures for real estate owned                -        (34)
 Purchase of premises and equipment                      (62)      (278)
 Proceeds from sales of premises & equipment               -        181
                                                     --------------------
 Net cash provided by investing activities             1,917      9,483

Cash flows from financing activities:
 Net decrease in deposits                            (12,576)   (10,145)
 Proceeds from sale of Sacramento First                    -      3,512
 Proceeds from sale of B&PB stock                      1,884        387
 Proceeds from sales of Sunwest stock                  3,571          -
Payments for notes payable to affiliates,
  subordinated debt and other borrowed funds            (608)      (334)
 Loan proceeds from affiliate                             37        297
                                                     --------------------
 Net cash used in financing activities                (7,692)    (6,283)
                                                     --------------------
Increase (decrease) in cash and cash equivalents      (4,533)     3,680

Beginning cash and cash equivalents                   21,907     23,637
                                                     --------------------
Ending cash and cash equivalents                     $17,374   $ 27,317
                                                     ====================
Supplemental disclosures of cash flow information:
 Cash paid during the period for:
  Interest                                           $ 2,033   $  2,695
  Income taxes                                             7          7

Supplemental schedule of non-cash investing
 and financing activities:
  Transfer of loans to real estate owned             $ 2,010   $  2,236
  Transfer from notes payable to affiliates
    to other borrowed funds                              475          -
  Assumption of real estate owned senior debt            213          -
  Capital adjustment from Sunwest issuing new shares     157          -
  Reclassification of fixed assets to other assets       133          -
  Increase in premises & equipment & other
   borrowed funds to establish a capital lease             -        378
  Reclassification of other liabilities to
   other borrowed funds                                    -        372







       (See accompanying notes to consolidated financial statements)
                                -5-
                                     
                    WEST COAST BANCORP AND SUBSIDIARIES
                NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                            SEPTEMBER 30, 1996
                                (Unaudited)



(1)  BASIS OF PRESENTATION

     The   unaudited   consolidated  financial   statements   reflect   all
     adjustments,  consisting  primarily of normal  recurring  adjustments,
     which  are,  in  the  opinion  of management,  necessary  for  a  fair
     statement  of  the  results  of operations for  the  interim  periods.
     Results for the nine and three month periods ended September 30,  1996
     and  1995  are  not  necessarily indicative of results  which  may  be
     expected  for any other interim period, or for the year  as  a  whole.
     All significant intercompany balances have been eliminated.

     On  February  29, 1996, West Coast Bancorp ("West Coast") and  Sunwest
     Bank  ("Sunwest") entered into an agreement with Western Acquisitions,
     L.L.C.  ("Western"), an affiliate of Hovde Financial, Inc.,  for  West
     Coast  to  sell 35 existing shares of Sunwest for $2,520,000  and  for
     Sunwest  to issue and sell 15 new shares for $1,051,000.  On September
     13,  1996  the  sale closed.  West Coast and Western own approximately
     56.5% and 43.5% of Sunwest, respectively.  West Coast recorded a  loss
     on the sale of the 35 shares of Sunwest stock of $394,000 for the nine
     months  ended September 30, 1996 and a gain of $65,000 for the quarter
     ended  September  30, 1996.  The gain on sale of  the  Sunwest  shares
     during the quarter occurred because Sunwest recorded year to date  net
     income  in  excess  of  $500,000  which  triggered  a  purchase  price
     adjustment.  West Coast will record another purchase price  adjustment
     in  the  fourth  quarter of 1996 in the amount of 43.5%  of  Sunwest's
     fourth  quarter earnings or losses.  The issuance of 15 new shares  of
     Sunwest stock resulted in a $157,000 charge to paid-in-capital at West
     Coast  with an offsetting amount for minority interest.  This occurred
     because the selling price of Sunwest stock is $72,000 per share versus
     a  book  value of outstanding shares at September 13, 1996 of  $88,572
     per share.

     West  Coast  entered into an agreement with Western  on  February  29,
     1996,  which was amended in April 1996, whereby Western would  acquire
     all  of  the remaining 213,384 shares of Business & Professional  Bank
     ("B&PB")  common stock at $8.81 per share.  The sale was completed  in
     three  phases.   Phase one occurred on March 8, 1996 and  resulted  in
     proceeds  of approximately $407,000.  Phase two occurred  on  May  28,
     1996  and  resulted in proceeds of $820,000.  Phase three occurred  on
     September 17, 1996 and resulted in proceeds of $654,000.

     West  Coast used the $2.5 million from the sale of Sunwest  stock  and
     $.6 million from the sale of B&PB stock to redeem the $3.1 million  of
     outstanding convertible subordinated debentures on October 15, 1996.













                                -6-

                    WEST COAST BANCORP AND SUBSIDIARIES
                NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                            SEPTEMBER 30, 1996
                                (Unaudited)


(2)  RECLASSIFICATIONS

     Certain   reclassifications  have  been  made  in  the  prior  periods
     financial  statements to conform to the presentation  in  the  current
     periods.

(3)  NET INCOME (LOSS) PER SHARE

     The stock options and 10% convertible subordinated debentures were not
     included in the net income (loss) per share computations as the effect
     would  have been anti-dilutive because conversion prices exceeded  the
     market  price during all periods.  Fully diluted earnings  (loss)  per
     share equals primary earnings (loss) per share.

(4)  LOANS

     A summary of loans follows:

                                                September 30,    December
31,
     (in thousands)                                  1996         1995
                                                -------------------------
     Real estate mortgage loans                   $52,194     $ 56,959
     Commercial loans not secured by real estate   23,413       20,391
     Personal loans not secured by real estate      2,558        2,023
     Less unearned income, discounts and fees        (294)        (373)
                                                -------------------------
                                                  $77,871     $ 79,000
                                                =========================


(5)  OTHER OPERATING INCOME

     A summary of other operating income follows:

                                     Nine Months Ended Three Months Ended
                                         September 30,      September 30,
     (in thousands)                      1996     1995      1996    1995
                                     ------------------------------------
     Depositor charges                $  442   $ 519      $  138   $ 168
     Gain on sale of B&PB stock          436      12         149       -
     Interest recoveries on
       charged off loans                 320       -         320       -
     Service charges, commissions
      & fees                              42      52          14      15
     Net gain from sales of loans          -     126           -      49
     Other income                         63       8          24       2
                                     ------------------------------------
                                      $1,303   $ 717      $  645   $ 234
                                     ====================================
                                     
                                     






                                 -7-                                      
                                     
                    WEST COAST BANCORP AND SUBSIDIARIES
                NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                            SEPTEMBER 30, 1996
                                (Unaudited)


(6)  OTHER OPERATING EXPENSES

     A summary of other operating expenses is as follows:

                                             Nine              Three
                                         Months Ended        Months Ended
                                         September 30,       September 30,
     (in thousands)                      1996     1995       1996   1995
                                      -----------------------------------
     Salaries and employee benefits    $2,627   $3,048    $  838  $  960
     Occupancy                            689      717       229     142
     Depreciation and amortization        390      486       109     187
     Professional services                330      273        89      85
     Data processing                      312      294       110      94
     Customer service                     275      256        88      88
     Net cost of operation of REO         206      187        53      20
     Regulatory fees and assessments      157      279        64      87
     Advertising and promotion            150       77        50      30
     Stationary and supplies               91       88        29      32
     Printing & postage                    90       84        27      26
     Insurance                             75      108        25      36
     Telephone and telefax                 52       53        15      13
     Collection                            46       28        14      28
     Loss from facility lease adjustment    -      155         -     155
     Miscellaneous                        291      295       106     115
                                      -----------------------------------
                                       $5,781   $6,428    $1,846  $2,098
                                      ===================================

(7)  CURRENT ACCOUNTING PRONOUNCEMENTS

      In  June  1996,  the  FASB issued Statement of  Financial  Accounting
Standards No. 125 ("SFAS 125"), "Accounting for Transfers and Servicing  of
Financial  Assets and Extinguishments of Liabilities".  SFAS  125  provides
accounting and reporting standards for transfers and servicing of financial
assets  and  extinguishments of liabilities based on consistent application
of   a   financial-components  approach  that  focuses  on   control.    It
distinguishes  transfers of financial assets that are sales from  transfers
that  are  secured  borrowings.   Under the financial-components  approach,
after  a  transfer of financial assets, an entity recognizes all  financial
and  servicing  assets  it controls and liabilities  it  has  incurred  and
derecognizes  financial assets it no longer controls and  liabilities  that
have  been extinguished.  The financial-components approach focuses on  the
assets and liabilities that exist after the transfer.  Many of these assets
and  liabilities are components of financial assets that existed  prior  to
the  transfer.  If a transfer does not meet the criteria for  a  sale,  the
transfer is accounted for as a secured borrowing with pledge of collateral.
SFAS  125 is effective for transfers and servicing of financial assets  and
extinguishments of liabilities occurring after December 31, 1996 and should
be applied prospectively.  Management does not believe SFAS 125 will have a
material impact on the Company's financial condition or operations.







                                -8-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996



The   following  presents  management's  discussion  and  analysis  of  the
consolidated  financial  condition and  operating  results  of  West  Coast
Bancorp  (as  a  separate  entity  "West  Coast"  and  together  with   its
subsidiaries  the  "Company") for the nine and three  month  periods  ended
September  30, 1996 and 1995. The discussion should be read in  conjunction
with  the  Company's consolidated financial statements and the accompanying
notes appearing elsewhere in this report.

GENERAL

The  Company recorded income of $417,000 or $.05 per share and $603,000  or
$.07 per share during the nine and three months ended September 30, 1996 as
compared with losses of $666,000 or $.07 per share and $342,000 or $.04 per
share  during  the  same respective periods in 1995.  The  income  in  1996
versus  losses  in  1995  occurred primarily  because  Sunwest  had  higher
earnings of $954,000.

On  February  29, 1996, West Coast Bancorp ("West Coast") and Sunwest  Bank
("Sunwest")  entered  into an agreement with Western  Acquisitions,  L.L.C.
("Western"), an affiliate of Hovde Financial, Inc., for West Coast to  sell
35  existing shares of Sunwest for $2,520,000 and for Sunwest to issue  and
sell  15 new shares for $1,051,000.  On September 13, 1996 the sale closed.
West  Coast  and  Western own approximately 56.5%  and  43.5%  of  Sunwest,
respectively.   See  note  1  of the "Notes to the  Consolidated  Financial
Statements" for additional information on this transaction.

West  Coast  entered into an agreement with Western on February  29,  1996,
which  was  amended  in April 1996, whereby Western  acquired  all  of  the
remaining 213,384 shares of B&PB common stock at $8.81 per share.  See Note
1  of  the  "Notes to the consolidated financial statements" for additional
information on the above transactions.

West  Coast  used the $2.5 million from the sale of Sunwest stock  and  $.6
million  from  sale  of B&PB stock to pay the $3.1 million  of  outstanding
convertible subordinated debentures on October 15, 1996.

The Company had total assets, loans and deposits as follows:


                     September 30, December 31, September 30, December 31,
                         1996         1995          1995          1994
(in thousands)      -----------------------------------------------------
Total assets          $ 105,411     $ 113,654    $ 120,570     $ 130,910
Loans                    77,871        79,000       77,758        86,628
Deposits                 90,086       102,662      109,124       119,269












                                 -9-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996



The  $25 million reduction in total assets since December 31, 1994 resulted
from  a  $7  million decrease in loans, $7 million decrease  in  investment
securities, $5 million decrease in net assets held for sale and $4  million
decrease  in  cash.   The decrease in total liabilities resulted  primarily
from a $22 million decrease in time certificates of deposits.

RESULTS OF OPERATIONS

GENERAL
Net  income increased from the first nine months of 1995 to the first  nine
months of 1996 primarily because Sunwest had higher earnings of $954,000 in
1996  (this  excludes the $3.4 million management fee repayment  in  1995).
Additional  items  that resulted in a change in net  income  included:  the
parent  company recorded a $436,000 gain on sale of its B&PB  stock  and  a
gain on discontinued business of $149,000 offset by a $394,000 loss on  the
sale  of  Sunwest  shares by West Coast and $199,000 of  minority  interest
expense.   The  year to date loss on sale of Sunwest shares  was  partially
offset by a purchase price adjustment (gain) because Sunwest recorded  year
to  date  net income in excess of $500,000.  West Coast will record another
purchase  price adjustment in the fourth quarter of 1996 in the  amount  of
43.5% of Sunwest's fourth quarter earnings or losses.

NET INTEREST INCOME
Net interest income decreased $156,000 or 3% from the first nine months  of
1995  to  the  same period in 1996 because of reduced loan  and  investment
securities  volumes at Sunwest. For the first nine months of  1995  to  the
first  nine months of 1996 average loans at Sunwest decreased by $5 million
or  6%  and average investment securities decreased by $4 million  or  40%.
These decreases in net interest income were offset by average time deposits
decreasing by $13 million or 34% during the same period.  Quarterly average
loans have been relatively stable staying in the $75-80 million range since
the third quarter of 1995.

























                                -10-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996



The following table sets forth the Company's average balance sheets, yields
on earning assets, rates paid on interest-bearing liabilities, net interest
margins  and net yields on interest-earning assets for the nine  and  three
month periods ended September 30, 1996 and 1995 (dollars in millions):


                                         Nine Months Ended September 30,
                                              1996             1995
                                         Average  Yields/ Average  Yields/
                                         Balance  Rates   Balance  Rates
                                       ----------------------------------
ASSETS
Loans, net of unearned income,
  discounts and fees                    $  76.7   10.67%  $  81.4   10.73%
Investment securities                       6.3    6.13      10.7    6.13
Federal funds sold                         13.0    5.44      15.1    5.83
Interest-bearing deposits
  with financial institutions               3.5    5.84       5.1    6.59
                                       ----------------------------------
Total interest-earning assets              99.5    9.53     112.3    9.44

Allowance for credit losses                (3.6)             (4.3)
Cash and due from banks                     5.8               6.6
Other assets                                7.2               8.8
                                       ----------------------------------
                                        $ 108.9           $ 123.4
                                       ==================================

LIABILITIES AND
SHAREHOLDERS' EQUITY

Time deposits                           $  25.6    5.23%  $  38.7    5.58%
Savings deposits                            5.2    1.99       5.6    1.97
Interest-bearing demand deposits           32.0    1.93      33.6    1.97
Other                                       4.6   13.15       4.1   15.80
                                       ----------------------------------
Total interest-bearing liabilities         67.4    3.96      82.0    4.37

Minority interest                            .3                .-
Demand deposits                            34.5              33.8
Other liabilities                           1.3               1.6
Shareholders' equity                        5.4               6.0
                                       ----------------------------------
                                        $ 108.9           $ 123.4
                                       ==================================
Net interest margin                                5.57%             5.08%
Net yield on interest-earning assets               6.85              6.25




                                                              (Continued)





                                -11-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996



(Continued)
                                         Three Months Ended September 30,
                                              1996             1995
                                         Average  Yields/ Average  Yields/
                                         Balance  Rates   Balance  Rates
                                       ----------------------------------
ASSETS
Loans, net of unearned income,
  discounts and fees                    $  77.5   10.82%  $  77.6   11.23%
Investment securities                       5.0    6.29       9.7    6.12
Federal funds sold                         11.1    5.47      17.6    5.81
Interest-bearing deposits
  with financial institutions               3.3    5.50       5.3    6.74
                                       ----------------------------------
Total interest-earning assets              96.9    9.79     110.2    9.70

Allowance for credit losses                (3.2)             (3.5)
Cash and due from banks                     5.7               6.6
Other assets                                6.9               8.7
                                       ----------------------------------
                                        $ 106.3           $ 122.0
                                       ==================================

LIABILITIES AND
SHAREHOLDERS' EQUITY

Time deposits                           $  23.1    5.07%  $  35.8    5.77%
Savings deposits                            5.2    1.93       5.1    2.03
Interest-bearing demand deposits           30.8    1.94      35.9    1.99
Other                                       4.2   13.58       4.4   25.65
                                       ----------------------------------
Total interest-bearing liabilities         63.3    3.86      81.2    4.92

Minority interest                            .9                .-
Demand deposits                            35.2              33.5
Other liabilities                           1.5               1.5
Shareholders' equity                        5.4               5.8
                                       ----------------------------------
                                        $ 106.3           $ 122.0
                                       ==================================
Net interest margin                                5.93%             4.78%
Net yield on interest-earning assets               7.27              6.08















                                -12-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996

The  increases (decreases) in interest income and expense and net  interest
income  resulting from changes in average assets, liabilities and  interest
rates  for  the  1996  versus 1995 periods are summarized  as  follows  (in
thousands):
                      Nine Months Ended            Three Months Ended
                        September 30,                 September 30,
                   ------------------------------------------------------
                    Asset/    Interest           Asset/     Interest
                    Liability Rate               Liability  Rate
                    Changes   Changes   Total    Changes    Changes Total
                   ------------------------------------------------------
Changes in:
  Interest income    $(736)   $(108)  $ (844)     $(196)  $ (105)  $(301)
  Interest expense    (394)    (294)    (688)      (217)    (171)   (388)
                   ------------------------------------------------------
Net interest income  $(342)   $ 186   $ (156)     $  21   $   66   $  87
                   ======================================================

The  year  to  date decline in net interest income resulted primarily  from
volume declines in average earning assets.  The $5 million decline in loans
(the  highest yielding assets) for the nine months ended September 30, 1996
as  compared to the same period in 1995 caused the greatest decrease in net
interest income.  The decline in loans resulted from the payoff or  paydown
of substandard loans.  The decrease in interest expense was caused by a $13
million  decrease in average time deposits for the three  and  nine  months
ended September 30, 1996 versus 1995.  The decline in average time deposits
was the result of allowing out of market area deposits to run off.

For  the  quarter ended September 30, 1996 versus 1995 net interest  income
increased despite a $16 million decrease in average assets.  This  resulted
because  the decreases in earning assets were in the lower yielding earning
assets of fed funds, investment securities and interest-bearing cash.   The
decrease  in  interest-bearing liabilities was primarily in time  deposits,
the  highest  rate deposit.  The net interest margin was also increased  by
interest  bearing liabilities decreasing $5 million greater  than  interest
earning  assets because non-interest earning assets decreased by $3 million
and  non-interest  bearing liabilities (demand deposits)  increased  by  $2
million.

Loans  on  which the accrual of interest had been discontinued at September
30, 1996 and 1995 amounted to $1,973,000 and $2,965,000, respectively.   If
these  loans had been current throughout their terms, it is estimated  that
net  interest  income  would  have increased by approximately  $60,000  and
$126,000 in the third quarters of 1996 and 1995, respectively.  This  would
have  raised the net yield on interest-earning assets and the net  interest
margin by approximately 25 and 46 basis points during the third quarters of
1996 and 1995, respectively.

Impaired loans have not changed significantly from the amounts reported  at
December  31,  1995  except for the changes in nonaccrual  loans  described
above.

For  the  nine  months ended September 30, 1996 versus 1995  the  yield  on
earning assets remained relatively flat, only changing from 9.44% to 9.53%.





                                -13-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996


The  rates  on interest-bearing liabilities decreased for the  nine  months
ended  September  30, 1996 versus 1995 primarily caused by  a  decrease  in
rates on time deposits from 4.37% to 3.96%.

NONPERFORMING ASSETS AND PROVISION FOR CREDIT LOSSES

The  following  table summarizes the activity in the allowance  for  credit
losses during the periods indicated (in thousands):

                                   Nine Months Ended   Three Months Ended
                                      September 30,        September 30,
                                     1996      1995       1996      1995
                                 ----------------------------------------
Allowance for credit losses
  balance at beginning of period   $3,820    $4,649     $3,093    $3,395

Charge-offs                        (1,002)   (2,074)       (11)      (94)
Recoveries                            657       821        337       157
                                 ----------------------------------------
Net charge-offs(recovery)            (345)   (1,253)       326        63

Provision for credit losses          (236)      214       (180)      152

Other adjustments (1)                (115)        -       (115)        -
                                 ----------------------------------------
Allowance for credit losses
  balance at end of period         $3,124    $3,610     $3,124    $3,610
                                 ========================================

(1)  Interest  collected  on  charged-off loans had  in  prior  years  been
   recorded  as  a  recovery  of  principal on  charged-off  loans.   These
   amounts  should have been recorded to other non-interest income.   Prior
   periods  were not restated because the recoveries occurred over  several
   years and are not material to any individual year's total loans, charge-
   offs   or  recoveries.   An  offsetting  amount  is  included  in  other
   operating income during the current quarter (see note 5).

All  the  above charge-offs and recoveries were at Sunwest.  The  provision
for credit losses was $450,000 lower during the nine months ended September
30,  1996  than  in  the  same respective period in  1995,  reflecting  the
decreases in net charge-offs and nonperforming loans.  Recoveries increased
during  the  quarter ended September 30, 1996 from one individual  recovery
that  totaled $180,000.  The negative provision for credit losses  in  1996
resulted  primarily  from  reducing the  allowance  for  credit  losses  in
recognition of this recovery.

Management  believes that the allowance for credit losses at September  30,
1996  of  $3,124,000  or 4.01% of loans was adequate to  absorb  known  and
inherent  risks  in the Company's credit portfolio.  No  assurance  can  be
given  that  economic  condition which may adversely effect  the  Company's
service  area  or  other circumstances will not be reflected  in  increased
provisions for credit losses in the future.






                                -14-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996



A summary of nonperforming assets follows (dollars in thousands):

                      September 30, December 31,              September 30,
December 31,
                            1996         1995        1995          1994
                        -------------------------------------------------
Nonaccrual loans         $ 1,973     $  4,153      $2,965      $  5,414
Loans 90 days past due
  and still accruing          58           25          54            76
                        -------------------------------------------------
Nonperforming loans        2,031        4,178       3,019         5,490
Real estate owned          3,305        2,637       2,967         4,352
                        -------------------------------------------------
Nonperforming assets     $ 5,336     $  6,815      $5,986      $  9,842
                        =================================================
Nonperforming loans/
 Total loans               2.61%        5.29%       3.88%         6.34%
Nonperforming assets/
 Total assets              5.06         6.00        4.96          7.52
                        =================================================


Nonperforming assets have decreased from $9.8 million at December 31,  1994
to  $5.3  million at September 30, 1996.  While the levels of nonperforming
assets  as  a percentage of assets have improved since December  31,  1994,
they  remain  high.   This  was primarily caused by  the  current  economic
environment and depressed real estate values in southern California.  While
significant progress in reducing nonperforming assets has been made,  until
such  time  as  the  current economic environment and  real  estate  values
improve,  the Company may continue to experience moderately high levels  of
nonperforming assets and charge-offs.

Restructured  loans which were performing substantially in accordance  with
their   modified   terms  totaled  $2,514,000  at   September   30,   1996.
Restructured  loans  totaling  $1,258,000  were  on  nonaccrual  status  at
September 30, 1996.

OTHER OPERATING INCOME

Other  operating  income increased by $586,000 for the  nine  months  ended
September 30, 1996 as compared with the same period in 1995.  See notes (1)
and  (5)  of the notes to consolidated financial statements.  The  increase
was  a result of West Coast recording a $436,000 gain on sale of B&PB stock
in  1996  versus  a  $12,000  gain in 1995.  In  1996,  Sunwest  recognized
$320,000  of interest recoveries on loans previously charged-off  in  prior
years.   One  individual borrower accounted for $206,000 of the recoveries.
Gain on sale of loans decreased $126,000 as Sunwest has elected not to sell
the  guaranteed portion of SBA loans in 1996.  The remaining  decrease  was
caused by lower deposit balances.








                                -15-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996


OTHER OPERATING EXPENSES

Other operating expenses have decreased $647,000 from the nine months ended
September 30, 1996 to the same period in 1995. See notes (1) and (6) of the
notes to consolidated financial statements.  Total other operating expenses
expressed  in  dollars  and as a percentage of total revenues  and  average
assets follows (dollars in thousands):

                                    Nine Months Ended  Three Months Ended
                                        September 30,      September 30,
                                      1996      1995      1996     1995
                                   --------------------------------------
Other operating expenses            $5,781    $6,428    $1,846    $2,098
Other operating expenses
  (annualized)/average assets        7.08%     6.95%     6.95%     6.88%
Other operating expenses/interest
  and other operating income         68.7%     74.1%     61.2%     72.2%
                                   ======================================

Salaries  decreased $421,000 for the nine months ended September  30,  1996
versus  the same period in 1995.  Salaries decreased at Sunwest by $352,000
for  the  nine  month  period as a result of steady  reductions  in  staff,
primarily  from  not  replacing  employees  who  leave  voluntarily.    The
remaining  salary  decrease was at West Coast and  resulted  from  a  bonus
accrual during 1995 solely for the benefit of John B. Joseph, President and
Chairman  of West Coast because West Coast completed the sale of Sacramento
First  and  Sunwest  achieved a 6.5% leverage ratio.   Sunwest  incurred  a
$155,000  loss  on facility lease adjustment in 1995 from  reclassifying  a
lease from an operating lease to  capital lease during the third quarter of
1995.  Regulatory fees and assessments decreased by $122,000 primarily from
a   rate   reduction   by   the  Federal  Deposit  Insurance   Corporation.
Depreciation   expense  decreased  $96,000  from  assets   becoming   fully
depreciated  combined  with a historically low amount  of  asset  purchases
during the current and prior year.  Advertising and promotion increased  by
$73,000 for the nine months ended September 30, 1996 versus 1995 because of
a return to actively advertising Sunwest in the local market.  Professional
services  increased  by  $57,000 because the internal  audit  function  was
outsourced beginning in July 1995.

INCOME TAXES

Due  to the sale of Sunwest minority shares, Sunwest is required to file  a
tax return on a stand-alone basis versus previously being consolidated with
the  Company's  return.   The Company and Sunwest  did  not  recognize  any
significant  income tax expense or benefit during the nine or three  months
ended  September 30, 1996 or 1995.  Sunwest has approximately $9.9  million
of  net  operating  loss  carryforwards for which  a  tax  benefit  may  be
recognized  in the future.  Excluding the Sunwest amounts, the Company  has
$3.7  million of net operating loss carryforwards for which a  tax  benefit
may be recognized in the future.








                                -16-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996


For  all  the periods presented a valuation allowance has been recorded  to
offset  the deferred tax assets of Sunwest and the Company.  The  valuation
allowance  was  established due to uncertainty of future earnings  at  both
Sunwest and the Company.  Recent earnings trends may allow Sunwest and  the
Company  to  recognize  a deferred income tax asset and  corresponding  tax
benefit in earnings in 1996.  No deferred income tax asset or liability was
recognized at September 30, 1996.


LIQUIDITY

The Company

Liquidity, as it relates to banking, represents the ability to obtain funds
to meet loan commitments and to satisfy demand for deposit withdrawals.


The  principal  sources  of funds that provide liquidity  for  Sunwest  are
maturities  of  investment  securities and  loans,  collections  on  loans,
increased  deposits and temporary borrowings.  The Company's  liquid  asset
ratio  (the sum of cash, investments available-for-sale (excluding  pledged
amounts)  and  Federal  funds sold divided by  total  assets)  was  17%  at
September  30, 1996 and 19% at December 31, 1995. The Company  believes  it
has sufficient liquid resources, as well as available credit facilities, to
enable it to meet its operating needs.

THE PARENT COMPANY

West  Coast's  liquidity is limited.  West Coast has  relied  on  sales  of
assets  and  borrowings  from officers/directors as sources  of  liquidity.
Dividends from subsidiaries ordinarily provide a source of liquidity  to  a
bank  holding  company.  Sunwest is prohibited from paying  cash  dividends
without  the  prior consent of the regulatory agencies.  During  the  first
nine  months  of  1996 West Coast did not receive any  dividends  from  its
subsidiaries.   West  Coast does not expect to receive dividends  from  its
subsidiaries throughout 1996.

West  Coast's primary sources of cash during 1996 have been from  sales  of
its  B&PB  stock and Sunwest stock.  During the first nine months of  1996,
West  Coast received $1.8 million of cash from the sale of its B&PB  stock.
West  Coast  sold 35 shares of Sunwest stock for $2.5 million on  September
13,  1996.  Advances from WCV, Inc. provided approximately $120,000 of cash
during  the first nine months of 1996 because of refunds received from  the
California  Underground  Storage  Tank  Fund  exceeded  payments  for   the
restoration of the real estate owned.  Additional refunds will be  used  to
pay for current and future amounts due for restoration of the property.  At
September 30, 1996, West Coast had cash totaling $3,904,000.











                                -17-

                    WEST COAST BANCORP AND SUBSIDIARIES
             MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
                    CONDITION AND RESULTS OF OPERATIONS
                            SEPTEMBER 30, 1996


West  Coast  anticipates cash expenditures during 1996 to consist  of  debt
service  payments  and other operating expenses.  West Coast  repaid  other
borrowed  funds  totaling $185,000 in April 1996, made  payments  on  notes
payable  to  affiliates  totaling $150,000 during June  1996  and  $365,000
during  October 1996.  A payment for the subordinated debenture  redemption
plus  interest totaling $3,060,000 was made in October 1996.   Payments  of
deferred  directors fees and salaries may occur based on cash availability.
West  Coast anticipates that other operating expenses will be approximately
$70,000  during  1996, of which $50,000 relates to salaries and  directors'
fees that are currently being deferred.


CAPITAL RESOURCES AND DIVIDENDS

Sunwest  had  a  12.23%, 13.51% and 9.79% Tier 1 risk-based capital,  total
risk-based  capital and leverage ratio at September 30, 1996, respectively.
These  are  above  the  regulatory minimums  of  4.00%,  8.00%  and  4.00%,
respectively  and  above  the regulatory orders  that  require  Sunwest  to
maintain  a  minimum leverage ratio of 6.5%.  Sunwest's capital ratios  are
above  amounts necessary for a depository institution to be  deemed  to  be
"Well Capitalized."  However, because Sunwest is still subject to a written
regulatory agreement it can only be deemed "Adequately Capitalized."

A  concurrent  examination of Sunwest was completed by the FDIC  and  State
Banking  Department during the third quarter of 1996.   The  State  Banking
Department subsequently notified Sunwest that its Order has been terminated
due  to  continued improvement of the bank.  The FDIC has notified  Sunwest
that  its Cease and Desist order will be terminated pending approval of  an
informal administrative action.

The  Company  had  no material commitments for capital expenditures  as  of
September 30, 1996.


























                                -18-

                    WEST COAST BANCORP AND SUBSIDIARIES
                            SEPTEMBER 30, 1996
                                     
                                  PART II
                                     
                             OTHER INFORMATION





Item 1.   Legal Proceedings
-------------------------------
NONE

Item 2.   Changes in Securities
-----------------------------------
NONE

Item 3.   Defaults Upon Senior Securities
---------------------------------------------
NONE

Item 4.   Submission of Matters to a Vote of Security Holders
-----------------------------------------------------------------
NONE

Item 5.   Other Information
-------------------------------
NONE

Item 6.   Exhibits and Reports on Form 8-K
----------------------------------------------
(a)  Exhibits
    
    Exhibit 27 - Financial Data Schedule for September 30, 1996
    
(b)  Reports on Form 8-K

    A  report for the partial sale of Sunwest shares was filed on September
    30,  1996  reported  under  Item  2 - Acquisition  and  Disposition  of
    Assets.   West  Coast  sold 35 existing shares  of  Sunwest  stock  and
    Sunwest issued and sold 15 shares of stock, both on September 13,  1996
    and to Western Acquisitions, L.L.C.
    
    A  report  was  filed on October 29, 1996 under Item  4  -  Changes  in
    Registrant's  Certifying  Accountant.  This announced  that  KPMG  Peat
    Marwick  LLP  was  terminated as the Company's independent  accountants
    and  that  Arthur Andersen LLP was approved by the Company's  board  of
    directors as the new independent accountants on October 22, 1996.
    
    An  amendment to the report filed on October 29, 1996 under  Item  4  -
    Changes  in  Registrant's Certifying Accountant was filed  November  8,
    1996.   The amendment outlined a disagreement in the application of  an
    accounting principle at the Registrant's Subsidiary in 1995.









                                -19-

                                SIGNATURES





In  accordance  with the requirements of the Exchange Act,  the  registrant
caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.




WEST COAST BANCORP





        /s/John B. Joseph                           November 13, 1996
        -----------------------------------------   ----------------------
        John B. Joseph                              Date
        Chief Executive Officer





        /s/Frank E. Smith                           November 13, 1996
        -----------------------------------------   ----------------------
        Frank E. Smith                              Date
        Chief Financial Officer
































                                -20-