WEST COAST BANCORP AND SUBSIDIARIES
                                       
                                   FORM 10-Q
                                       
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549
                                       
             [X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                    OF THE SECURITIES EXCHANGE ACT OF 1934
                                       
              For the nine month period ended September 30, 1995
                                       
                                      or
                                       
            [  ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
                    OF THE SECURITIES EXCHANGE ACT OF 1934
                                       
                   For the transition period from N/A to N/A
                                       
FOR NINE MONTHS ENDED SEPTEMBER 30, 1995 COMMISSION FILE NUMBER:0-10897
                                       
                                       
                              WEST COAST BANCORP
            (Exact name of registrant as specified in its charter)

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

     4770 CAMPUS DRIVE, SUITE 250
     Newport Beach, California                         92660-1833
     (Address of principal executive offices)          (Zip Code)

      (Registrant's telephone number, including area code) (714) 442-9330


Indicate  by  check  mark whether the registrant (1)  has  filed  all  reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act  of
1934  during  the  preceding 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 of common stock of the registrant outstanding as of October
                                   31, 1995:
                                       
                                   9,168,942
                                       
                                       
                                       
                                       
                                       
                                       
                                       
                                       
                                       
                  This document contains a total of 20 pages.





                                     -1-  

                      WEST COAST BANCORP AND SUBSIDIARIES
                          CONSOLIDATED BALANCE SHEETS
                                  (Unaudited)
                                       

(in thousands, except shares)                      September 30, December 31,
                                                          1995         1994
ASSETS                                              -------------------------
Cash and due from bank                               $  6,017      $  9,437
Interest-bearing deposits with
  financial institutions                                5,415         4,028
Investment securities held to maturity -
  approximate market value of $5,700 and
  $5,708 in 1995 and 1994, respectively                 5,669         5,868
Investment securities available-for-sale -
  approximate market value of $4,000 and
  $5,947 in 1995 and 1994, respectively                 4,000         5,947
Federal funds sold                                     17,300        10,200
Loans and direct lease financing held for sale              -            59
Loans                                                  77,758        86,569
Less allowance for possible credit losses              (3,610)       (4,649)
                                                     ------------------------
  Net loans                                            74,148        81,920
                                                     ------------------------
Real estate owned, net                                  2,967         4,352
Premises and equipment, net                             2,336         2,347
Net assets held for sale                                1,452         5,351
Other assets                                            1,266         1,401
                                                     ------------------------
                                                    $ 120,570     $ 130,910
LIABILITIES                                          ========================
Deposits:
  Demand, non-interest bearing                        $33,853       $36,027
  Savings, money market & interest
     bearing demand                                    40,674        38,815
  Time certificates under $100,000                     27,930        39,134
  Time certificates of $100,000 or more                 6,667         5,293
                                                     ------------------------
     Total deposits                                   109,124       119,269

Notes payable to affiliates                               854           720
Other borrowed funds                                      750           171
10% convertible subordinated debentures                 3,035         3,035
Other liabilities                                       1,291         1,512
                                                     ------------------------
     Total liabilities                                115,054       124,707

SHAREHOLDERS' EQUITY
Common stock, no par value - 30,000,000 shares
  authorized, 9,168,942 and 9,192,942 shares issued
  and outstanding in 1995 and 1994, respectively       30,176        30,200
Securities valuation allowance                              -            (3)
Accumulated deficit                                   (24,660)      (23,994)
                                                     ------------------------
     Total shareholders' equity                         5,516         6,203
                                                     ------------------------
                                                    $ 120,570     $ 130,910
                                                     ========================


         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 per share data)              1995          1994      1995        1994
                                   ------------------------------------------
INTEREST INCOME
Loans, including fees               $  6,549  $ 12,181    $  2,180  $  2,620
Investment securities                    490       516         149        70
Deposits with bank                       251       110          89        31
Federal funds sold                       663       631         255       192
                                   ------------------------------------------
  Total interest income                7,953    13,438       2,673     2,913

INTEREST EXPENSE
Interest on deposits                   2,200     3,463         721       773
Other                                    487       382         278       119
                                   ------------------------------------------
  Total interest expense               2,687     3,845         999       892
                                   ------------------------------------------
     Net interest income               5,266     9,593       1,674     2,021

Provision for possible
  credit losses                          214     3,039         152       895
                                   ------------------------------------------
  Net interest income
     after provision for
     possible credit losses            5,052     6,554       1,522     1,126

Other operating income                   717     2,279         234       433
Other operating expenses               6,428    10,972       2,098     2,189
Loss on liquidation of WCV, Inc.           -       100           -         -
Loss on sale of Sacramento First           -     1,800           -         -
                                   ------------------------------------------
  Loss before income taxes              (659)   (4,039)       (342)     (630)

Income taxes                               7        13           -         -
                                   ------------------------------------------

  Net loss                          $   (666) $ (4,052)   $   (342) $   (630)
                                   ==========================================

Net loss per common share           $   (.07) $   (.44)   $   (.04) $   (.07)
                                   ==========================================

Weighted average number of common
  and shares outstanding               9,185     9,193       9,169     9,193
                                   ==========================================






          See accompanying notes to consolidated financial statements.




                                     -3-

                      WEST COAST BANCORP AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CHANGES
                           IN SHAREHOLDERS' EQUITY
                                 (Unaudited)




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

Balance at December 31, 1994 $ 9,193 $ 30,200   $ (3)   $ (23,994)  $  6,203
Net loss                           -        -      -         (666)      (666)
Change in securities
  valuation allowance              -        -      3            -          3
Reversal of shares
  previously issued to
  employee                       (24)     (24)     -            -        (24)
                               ----------------------------------------------
Balance at September 30, 1995$ 9,169 $ 30,176   $  -    $ (24,660)  $  5,516
                              ===============================================



































         See accompanying notes to consolidated financial statements.




                                     -4-

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



                                                         Nine Months Ended
                                                             September 30,
(in thousands)                                            1995          1994
                                                     ------------------------
Cash flows from operating activities:
  Net loss                                            $  (666)     $  (4,052)
  Adjustments to reconcile net loss to net cash
     provided by operating activities:
  Depreciation and amortization                           486            670
  Provision for possible credit losses                    214          3,039
  Net change in receivables, payables
     and other assets                                     202          2,142
  Proceeds from sales of loans
     originated for sale                                1,996          5,072
  Loans originated for sale                            (1,863)        (4,139)
  Gain from sales of loan, net                           (126)        (1,045)
  Write-downs of real estate owned                        347            194
  Gain from sales of real estate owned, net              (110)          (260)
  Loss on discontinued businesses                           -          1,900
                                                    -------------------------
  Net cash provided by operating activities               480          3,521

Cash flows from investing activities:
  Proceeds from maturity of interest
     bearing balances                                   1,779          3,990
  Purchases of interest bearing balances               (3,166)        (3,231)
  Proceeds from maturity of investment securities       2,209          3,446
  Purchase of investment securities                         -        (12,647)
  Net decrease in loans                                 5,374         35,506
  Proceeds from sales of loans                              -          4,490
  Proceeds from sales of real estate owned              3,418          4,626
  Capital expenditures for real estate owned              (34)          (489)
  Purchase of premises and equipment                     (278)           (92)
  Proceeds from sales of premises and equipment           181             68
  Decrease in cash and cash equivalents
     from sale of Sacramento First                          -        (14,023)
                                                     ------------------------
  Net cash provided by investing activities             9,483         21,644



                                                                  (Continued)











         See accompanying notes to consolidated financial statements.




                                     -5-

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





                                                       Nine Months Ended
                                                         September 30,
(in thousands)                                          1995          1994
                                                     ----------------------
Cash flows from financing activities:
  Net decrease in deposits                            (10,145)     (59,322)
  Proceeds from sale of Sacramento First                3,512            -
  Proceeds from sale of B&PB stock                        387            -
  Payments for notes payable to affiliates,
     subordinated debt and other borrowed funds          (334)        (576)
  Loan proceeds from affiliate                            297          150
                                                     ----------------------
     Net cash used in financing activities             (6,283)     (59,748)
                                                     ----------------------
Increase (decrease) in cash and cash equivalents        3,680      (34,583)

Beginning cash and cash equivalents                    23,637       55,795
                                                     ----------------------
Ending cash and cash equivalents                     $ 27,317     $ 21,212
                                                     ======================


Supplemental disclosures of cash flow information:
  Cash paid (received) during the period for:
     Interest                                        $  2,695     $  4,016
     Income taxes                                           7          (98)

  Supplemental schedule of non-cash investing
     and financing activities:
  Transfer of loans to real estate owned             $  2,236     $  2,568
  Increase in premises & equipment and other borrowed
     funds to establish a capital lease                   378            -
  Reclassification of other liabilities to other
     borrowed funds                                       372            -
  Senior debt recorded in acquisition of
     real estate owned                                      -          987
  Loans made to purchasers of real estate owned             -          309
  Loan assumed by purchasers of real estate owned           -           94














         See accompanying notes to consolidated financial statements.



                                     -6-

                      WEST COAST BANCORP AND SUBSIDIARIES
                  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                              September 30, 1995
                                 (Unaudited)





(1)  BASIS OF PRESENTATION

    West  Coast Bancorp entered into a definitive agreement on June 22, 1994
    to  sell Sacramento First National Bank ("Sacramento First") to Business
    &  Professional Bank ("B&PB").  The sale subsequently closed on  January
    20,  1995.  All assets and liabilities of Sacramento First are  included
    in  "Net assets held for sale" at December 31, 1994.  Sacramento First's
    operating  results  were  included in  the  consolidated  statements  of
    operations for all periods through June 30, 1994.  As part of the  sales
    agreement  with  B&PB, West Coast received 243,000 shares  or  14.5%  of
    B&PB  then  outstanding common shares upon closing the Sacramento  First
    sale.   B&PB  stock was recorded at approximate market value on  January
    20,  1995,  and  is  included  in  "Net  assets  held  for  sale."   See
    "Management's   discussion  and  analysis  -  general"  for   additional
    details.

    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, 1995 and 1994 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.

(2)  RECLASSIFICATIONS

     Certain reclassifications have been made in the 1994 financial
     statements to conform to the presentation in 1995.

(3)  NET LOSS PER SHARE

    The  stock options and 10% convertible subordinated debentures were  not
    included  in  the  net loss per share computations as the  effect  would
    have  been  anti-dilutive.  Fully diluted loss  per  share  approximates
    primary loss per share.

(4)  LOANS AND DIRECT LEASE FINANCING

    A summary of loans and direct lease financing follows:



                                                   September 30, December 31,
     (in thousands)                                    1995           1994
                                                    ------------------------
     Commercial                                    $ 29,469       $ 33,010
     Real estate - Mortgage                          44,932         49,236
     Installment                                      3,725          4,694
     Less unearned income, discounts and fees          (368)          (371)
                                                    ------------------------
     Loans and direct lease financing              $ 77,758       $ 86,569
                                                    ========================


                                     -7-

                      WEST COAST BANCORP AND SUBSIDIARIES
                  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                              September 30, 1995
                                 (Unaudited)



(5)  OTHER OPERATING INCOME

     A summary of other operating income follows:

                                        Nine Months Ended  Three Months Ended
                                           September 30,       September 30,
     (in thousands)                        1995      1994      1995      1994
                                       --------------------------------------

     Depositor charges                  $  519   $   868    $  168    $  206
     Net gain from sales of loans          126     1,045        49       186
     Service charges, commissions
       and fees                             52       307        15        25
     Other income                           20        59         2        16
                                       --------------------------------------
                                        $  717   $ 2,279    $  234    $  433
                                       ======================================


(6)  OTHER OPERATING EXPENSES

     A summary of other operating expenses is as follows:

                                        Nine Months Ended Three Months Ended
                                           September 30,       September 30,
     (in thousands)                        1995      1994      1995      1994
                                     ----------------------------------------
     Salaries and employee
       benefits                       $  3,048  $  5,248   $   960   $ 1,029
     Occupancy                             717     1,311       142       259
     Depreciation and
       amortization                        486       670       187       156
     Data processing                       294       496        94       113
     Regulatory fees
       and assessments                     279       555        87       112
     Professional services                 273       569        85        88
     Customer service                      256       278        88        91
     Net cost of operation of
       real estate owned                   187        72        20       (41)
     Loss from facility
       lease adjustment                    155         -       155         -
     Insurance                             108       196        36        51
     Stationery and supplies                88       123        32        29
     Printing and postage                   84       150        26        28
     Advertising and promotion              77       168        30        15
     Telephone and telefax                  53       125        13        26
     Delivery and courier                   34       146         9        15
     Collection                             28       489        28       126
     Miscellaneous                         261       376       106        92
                                     ----------------------------------------
                                      $  6,428  $ 10,972  $  2,098  $  2,189
                                     ========================================





                                     -8-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995




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,  1995  and
1994.   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 posted losses of $666,000 or $.07 per share and $342,000 or  $.04
per  share  during  the  nine  and  three months  ended  September  30,  1995,
respectively,  as compared with $4,052,000 or $.44 per share and  $630,000  or
$.07  per  share during the same respective periods in 1994.  The  net  losses
narrowed in 1995 as losses from the nonperforming assets were reduced  despite
the continued weak economy and depressed real estate values.

On  June  22, 1994, West Coast announced the signing of a definitive agreement
among  Business & Professional Bank ("B&PB"), Sacramento First  National  Bank
("Sacramento  First"),  and West Coast providing for the  acquisition  of  its
majority  owned  subsidiary, Sacramento First by B&PB.   The  transaction  was
completed on January 20, 1995 and provided West Coast with approximately  $3.6
million  of  cash, approximately 243,500 shares of B&PB's common stock  and  a
contingent  cash payment of up to $940,000 that may be received by West  Coast
from  three  to  five  years after the sale date based on the  performance  of
Sacramento  First's  loan portfolio and real estate  owned.   All  assets  and
liabilities of Sacramento First are included in "Net assets held for sale"  at
December 31, 1994.  Sacramento First's operating results were included in  the
consolidated statements of operations for all periods through June  30,  1994.
Subsequent  to  June  30, 1994, no amounts relating to Sacramento  First  were
included  in  any  category  of the Company's ending  balance  sheet,  average
balance sheet and income statement except as noted above.

Exclusive of Sacramento First's earnings, the Company's losses would have been
$2,464,000 and $630,000 for the nine and three months ended September 30, 1994
as  compared  with the $666,000 and $342,000 losses for the  same  periods  in
1995.

The Company had total assets, loans and deposits as follows (in thousands):


                     September 30,  December 31, September 30, December 31,
                          1995        1994           1994          1993
                    --------------------------------------------------------

Total assets          $ 120,570    $ 130,910      $ 141,619     $ 312,263
Loans                    77,758       86,628         97,065       223,343
Deposits                109,124      119,269        127,559       292,950








                                     -9-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995




The  1994 reductions resulted primarily from the accounting treatment for  the
sale of Sacramento First and secondarily from a decrease in loans due to lower
loan  demand,  more  stringent underwriting standards, and  Sunwest's  capital
position and regulatory orders.  Sunwest is operating under an Order to  Cease
and Desist (the "C&D Order") from the FDIC and an order from the State Banking
Department  (the  "State Order").  Both orders require,  among  other  things,
maintenance of certain capital levels.

During  1993 Sunwest became "undercapitalized" and during part of 1994 Sunwest
was  "significantly  undercapitalized"  under  the  prompt  corrective  action
provisions of the FDIC Improvement Act.  This made it difficult for Sunwest to
compete with other financial institutions for deposits and loans.

In January 1995, West Coast used the cash proceeds from the sale of Sacramento
First  to  repay  $3.4 million of management fees to Sunwest.  This  increased
Sunwest's capital ratios to amounts necessary for a depository institution  to
be  "well  capitalized"  under  the  prompt  action  provisions  of  the  FDIC
Improvement  Act.   However, because Sunwest is still  subject  to  regulatory
agreements  it  can  only  be deemed "adequately capitalized."   See  "Capital
Resources   and   Dividends."   Despite  Sunwest's  current   capital   level,
significant asset growth is not anticipated and further declines may occur.

Further, West Coast's liquidity is limited.  In the event West Coast is unable
to  raise funds to increase its liquidity, West Coast may not be able to  meet
its current obligations and may be forced into bankruptcy.  If this event were
to occur, West Coast shareholders could suffer the elimination of the value of
their investments in the Company.  See "Liquidity - the Parent Company."

RESULTS OF OPERATIONS

GENERAL

The  1995  losses  were  lower than the 1994 losses (exclusive  of  Sacramento
First) because of reduced loan losses and cost control efforts implemented  at
Sunwest.

NET INTEREST INCOME

Net  interest income decreased $4.3 million or 45% from the first nine  months
of 1994 to the same period in 1995 because of the sale of Sacramento First and
reduced loan volumes at Sunwest.  The sale of Sacramento First resulted  in  a
$3.2  million  decrease  in  net interest income for  the  nine  months  ended
September  30,  1995 versus 1994.  Average loans at Sunwest decreased  by  $35
million or 30% from the first nine months of 1994 to the first nine months  of
1995.

Average  earning  assets  and average interest-bearing  liabilities  decreased
primarily  as a result of the sale of Sacramento First.  Excluding  Sacramento
First  from  all periods, average earning assets would have decreased  by  $28
million and average interest-bearing liabilities would have decreased  by  $24
million  for  the  nine month periods ended September 30,  1995  versus  1994,
respectively.




                                    -10-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995





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, 1995 and 1994 (dollars in millions):



                                           Nine Months Ended September 30,
                                               1995                1994
                                          Average Yields/     Average Yields/
ASSETS                                    Balance Rates       Balance Rates
                                         ------------------------------------
Loans, net of unearned income,
  discounts and fees                      $  81.4    10.73%  $ 170.4    9.53%
Investment securities                        10.7     6.13      13.9    4.98
Federal funds sold                           15.1     5.83      23.5    3.59
Interest-bearing deposits
  with financial institutions                 5.1     6.59       3.8    3.79
                                         ------------------------------------
Total interest-earning assets               112.3     9.44     211.6    8.47

Allowance for possible credit losses         (4.3)              (5.5)
Cash and due from banks                       6.6               15.5
Other assets                                  8.8               16.0
                                         ------------------------------------
                                          $ 123.4            $ 237.6
                                         ====================================
LIABILITIES AND SHAREHOLDERS' EQUITY
Time deposits                             $  38.7     5.58%  $  70.3    3.93%
Savings deposits                              5.6     1.97      10.3    2.18
Interest-bearing demand deposits             33.6     1.97      73.4    2.22
Other                                         4.1    15.80       5.0   10.16
                                         ------------------------------------
Total interest-bearing liabilities           82.0     4.37     159.0    3.22

Demand deposits                              33.8               66.3
Other liabilities                             1.6                2.7
Shareholders' equity                          6.0                9.6
                                         ------------------------------------
                                          $ 123.4            $ 237.6
                                         ====================================
Net interest margin                                   5.08%             5.24%
Net yield on interest-earning assets                  6.25              6.04




                                                                (Continued)







                                     -11-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995





                                           Three Months Ended September 30,
                                               1995                1994
                                          Average  Yields/    Average  Yields/
                                          Balance  Rates      Balance  Rates
ASSETS                                   ------------------------------------

Loans, net of unearned income,
  discounts and fees                     $  77.6   11.23%    $ 103.6   10.12%
Investment securities                        9.7    6.12         5.7    4.94
Federal funds sold                          17.6    5.81        17.2    4.46
Interest-bearing deposits
  with financial institutions                5.3    6.74         2.8    4.36
                                         ------------------------------------
Total interest-earning assets              110.2    9.70       129.3    9.01

Allowance for possible credit losses        (3.5)               (4.7)
Cash and due from banks                      6.6                 7.7
Other assets                                 8.7                16.1
                                         ------------------------------------
                                         $ 122.0             $ 148.4
                                         ====================================

LIABILITIES AND
SHAREHOLDERS' EQUITY

Time deposits                            $  35.8    5.77%    $  52.9    4.21%
Savings deposits                             5.1    2.03         6.6    1.93
Interest-bearing demand deposits            35.9    1.99        36.1    2.05
Other                                        4.3   25.65         4.8    9.98
                                         ------------------------------------
Total interest-bearing liabilities          81.1    4.92       100.4    3.55

Demand deposits                             33.5                38.1
Other liabilities                            1.5                 2.0
Shareholders' equity                         5.8                 7.9
                                         ------------------------------------
                                         $ 122.0             $ 148.4
                                         ====================================
Net interest margin                                 4.78%               5.46%
Net yield on interest-earning assets                6.08                6.25















                                     -12-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995




The  increases  (decreases) in interest income and expense  and  net  interest
income  resulting  from  changes in average assets, liabilities  and  interest
rates  for  the  1995  versus  1994 periods  are  summarized  as  follows  (in
thousands):


          Nine Months Ended September 30,    Three Months Ended September 30,
          ------------------------------     --------------------------------
           Asset/      Interest               Asset/     Interest
Changes    Liability   Rate                   Liability  Rate
  in       Changes     Changes   Total        Changes    Changes   Total
          ------------------------------     --------------------------------
Interest
  income $ (7,376)    $ 1,891  $ (5,485)     $  (608)    $ 368    $ (240)
Interest
  expense  (1,921)        763    (1,158)        (232)      339       107
           ------------------------------------------------------------------
Net interest
  income $ (5,455)    $ 1,128  $ (4,327)     $  (376)    $  29    $ (347)
           ==================================================================


The  declines  in  net interest income resulted primarily  from  the  sale  of
Sacramento  First  and  volume  declines  in  average  earning  assets  offset
partially by general market rate increases.

Loans on which the accrual of interest had been discontinued at September  30,
1995  and 1994 amounted to $2,965,000 and $5,931,000, respectively.  If  these
loans  had  been  current throughout their terms, it  is  estimated  that  net
interest income would have increased by approximately $126,000 and $166,000 in
the  third quarter of 1995 and 1994, respectively.  This would have raised the
net  yield  on  interest-earning  assets  and  the  net  interest  margin   by
approximately  46  and 51 basis points during the third quarter  of  1995  and
1994, respectively.

For  the nine months ended September 30, 1995 versus 1994 the yield on earning
assets increased from 8.47% to 9.44%.  This increase was primarily a result of
general  increases in market rates including the 300 basis  point  prime  rate
increase  from  March 1994 to March 1995.  Yields have stabilized  during  the
third  quarter  of  1995 and are expected to remain stable  or  decrease  with
general  market  rate  decreases.   The rate on  interest-bearing  liabilities
increased by 115 basis points from the first nine months of 1994 to the  first
nine  months  of  1995 as time deposits have matured and  re-repriced  at  the
higher  current  market rate.  This trend is not expected  to  continue  as  a
result  of  recent market rate declines and most term deposits already  having
repriced  near current rates.  The rate on other interest-bearing  liabilities
increased  significantly during the third quarter of 1995 because of  year-to-
date  adjustments for a facility lease that was reclassified from an operating
lease  to  a  capital  lease and the recognition of past interest  on  a  note
payable  entered into during the third quarter for settlement  of  a  judgment
with  a  former  officer.  The rate on other interest-bearing  liabilities  is
expected to be approximately 14% during the fourth quarter of 1995.




                                    -13-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995



NONPERFORMING ASSETS AND PROVISION FOR POSSIBLE CREDIT LOSSES

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


                                   Nine Months Ended   Three Months Ended
                                      September 30,       September 30,
                                     1995      1994      1995       1994
                                   ----------------------------------------
Allowance for possible
  credit losses balance
  at beginning of period         $  4,649  $  5,557   $ 3,395   $  4,446

Charge-offs                        (2,074)   (3,562)      (94)      (797)
Recoveries                            821       431       157         78
                                   ----------------------------------------
Net charge-offs                    (1,253)   (3,131)       63       (719)

Provision for possible
  credit losses                       214     3,039       152        895
Transfer to assets held for sale        -      (843)        -          -
                                   ----------------------------------------
Allowance for possible credit
 losses balance at end of period $  3,610  $  4,622   $ 3,610   $  4,622
                                   ========================================


A summary of net (charge-offs) recoveries follows (in thousands):


                                   Nine Months Ended    Three Months Ended
                                     September 30,         September 30,
                                     1995      1994       1995       1994
                                   ----------------------------------------
West Coast                       $      -  $     67   $     -    $     -
Sacramento First                        -      (746)        -          -
Sunwest                            (1,253)   (2,452)       63       (719)
                                   ----------------------------------------
                                 $ (1,253) $ (3,131)  $    63    $  (719)
                                   ========================================


The  provision  for possible credit losses was lower during  the  nine  and
three  months ended September 30, 1995 than in the same respective  periods
in  1994, reflecting the reduced charge-offs, lower levels of nonperforming
loans  and  the  sale of Sacramento First.  Sunwest's net  charge-offs  and
provision  decreased by $1,199,000 and $2,362,000 respectively  during  the
nine months ended September 30, 1995 versus 1994.

Management  believes  that  the allowance for  possible  credit  losses  at
September  30, 1995 of $3,610,000 or 4.64% of loans was adequate to  absorb
known and inherent risks in the Company's credit portfolio.




                                    -14-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995



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


                       September 30, December 31, September 30,  December 31,
                              1995          1994       1994         1993
                        ---------------------------------------------------
Nonaccrual loans          $  2,965      $  5,414   $  5,931       $ 10,744
Loans 90 days past due
  and still accruing            54            76         48            353
                        ---------------------------------------------------
Nonperforming loans          3,019         5,490      5,979         11,097
Real estate owned            2,967         4,352      4,857          7,738
                        ---------------------------------------------------
Nonperforming assets      $  5,986      $  9,842   $ 10,836       $ 18,835
                        ===================================================
Nonperforming loans/
 Total loans                  3.88%         6.34%      6.16%          5.04%
Nonperforming assets/
 Total assets                 4.96          7.52       7.65           6.03
                        ===================================================


Nonperforming assets have decreased from $18.8 million at December 31, 1993
to  $6.0  million  at  September 30, 1995.  The sale  of  Sacramento  First
accounted  for $1,211,000 of the nonperforming loan decrease and $3,173,000
of the nonperforming asset decrease from December 31, 1993 to September 30,
1994.   While the levels of nonperforming assets as a percentage of  assets
have  improved during 1995, they remain at high levels.  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, charge-offs  and
provisions for possible credit losses.

Restructured  loans which were performing substantially in accordance  with
their   modified   terms  totaled  $3,253,000  at   September   30,   1995.
Restructured  loans  totaling  $1,672,000  were  on  nonaccrual  status  at
September 30, 1995.

OTHER OPERATING INCOME

Other  operating income decreased by $1,562,000 and $199,000 for  the  nine
and three months ended September 30, 1995 as compared with the same periods
in  1994.   See  notes  (1) and (5) of the notes to consolidated  financial
statements.    Exclusive  of  Sacramento  First,  other  operating   income
decreased  $1,025,000 for the nine months ended September 30,  1995  versus
1994.   This was primarily caused by Sunwest recording a $536,000  gain  on
the  sale  of  its  non-guaranteed portion of SBA loans during  the  second
quarter  of  1994.   Sunwest  has elected not to  sell  the  non-guaranteed
portion  of  SBA  loans in 1995.  The remaining year-to-date  decrease  was
caused by lower deposit balances and lower SBA activity at Sunwest.





                                    -15- 

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995



OTHER OPERATING EXPENSES

Other operating expenses have decreased $4,544,000 and $91,000 from the nine
and  three months ended September 30, 1994 to the same periods 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,
                                         1995      1994      1995      1994
                                      --------------------------------------
Other operating expenses              $ 6,428  $ 10,972  $ 2,098   $ 2,189
Other operating expenses
  (annualized)/average assets            6.95%     6.16%    6.88%     5.90%
Other operating expenses/interest
  and other operating income             74.1%     69.8%    72.2%     65.4%
                                      ======================================

Salaries  decreased  $2,200,000 and $69,000 for the nine  and  three  months
ended  September  30,  1995  versus the  same  periods  in  1994.   Salaries
decreased  at Sunwest by $723,000 for the nine month period as a  result  of
the  28%  staff  reduction  during the second  quarter  of  1994.   Salaries
decreased $1,412,000 as a result of selling Sacramento First.  Occupancy for
the  first  nine  months decreased by $594,000; $322,000  was  a  result  of
selling  Sacramento  First and the remaining difference was  primarily  from
renegotiating various leases at Sunwest.  Collection expenses  decreased  by
$461,000  of which $417,000 occurred at Sunwest.  Sunwest's decrease  was  a
result  of  significant  cost control efforts and  a  $195,000  recovery  of
previously  charged  expenses.   All other  noninterest  expenses  decreased
$1,289,000  for  the  nine  months  ended September  30,  1995  versus  1994
primarily from the sale of Sacramento First.

INCOME TAXES

The  Company  did not record any significant income tax expense  or  benefit
during  the  nine  or three months ended September 30,  1995  or  1994.   No
significant income tax expense is expected during 1995.

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 to West Coast's subsidiaries
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 and  Federal  funds  sold
divided by total assets) was 23% at September 30, 1995 and December 31,  1994.
The  Company believes it has sufficient liquid resources, as well as available
credit facilities, to enable it to meet its operating needs.





                                    -16-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995


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 by the C&D and  the
state order without the prior consent of the regulatory agencies.

During the first nine months of 1995 West Coast did not receive any management
fees  or  dividends  from its subsidiaries.  West Coast  does  not  expect  to
receive management fees or dividends from its subsidiaries throughout 1995.

West  Coast received $3.5 million of cash, net of selling expenses,  from  the
sale  of  Sacramento First.  West Coast immediately transferred  $3.4  million
into Sunwest as a repayment of previously paid management fees.  On March  23,
1995,  West Coast sold 50,000 shares of B&PB stock.  Of the total proceeds  of
$387,000,  $200,000 was infused as capital in Sunwest on March  30,  1995  and
$100,000  was  infused during May 1995.  Sales of other property  resulted  in
$161,000  of cash receipts in July 1995.  An additional sale is forecasted  to
provide $50,000 during the remainder of 1995.

On  July 11, 1995 WCV, Inc. applied to the California Underground Storage Tank
Cleanup  Fund ("USTF") for a $680,000 reimbursement of certain costs  incurred
to  remediate a property.  In early November 1995 the USTF informed WCV,  Inc.
that  approximately $475,000 will be reimbursed to WCV, Inc. during the fourth
quarter  of  1995.   Approximately  $10,000 was  deemed  ineligible  with  the
remaining  $195,000  subject  to further review.   Upon  receipt  of  payment,
reimbursements will be recorded as a reversal of the previously expensed  loss
on  liquidation of WCV, Inc.  The eventual resolution of the pending claim  is
dependent  on  further review of the claim and balances in the  state  cleanup
fund  available  for  disbursement.  No estimate of the amount  or  timing  of
reimbursements can be made at this time.

West  Coast  anticipates cash expenditures during the  remainder  of  1995  to
consist  of  debt service payments, advances to WCV, Inc. and other  operating
expenses.   West Coast's projected debt service includes a quarterly  interest
payment on the 10% subordinated debentures of $76,000.  A portion of the notes
payable to affiliates are currently secured by, and scheduled to be repaid  by
sales proceeds totaling $50,000 from the other property sales mentioned above.
Advances to WCV, Inc. are forecasted at $250,000 primarily for restoration  of
the  real estate owned.  West Coast anticipates that other operating expenses,
will  be  approximately $90,000 during the remainder of 1995, of which $50,000
relates to salaries and directors' fees that are currently being deferred.  An
agreement  for  payment of judgment was entered in favor of a  former  officer
totaling  $388,000 and due on April 12, 1996.  The agreement  required,  among
other  things, West Coast to place nine shares (9%) of Sunwest stock in escrow
to  secure payment of said judgment and that one third of any amount  refunded
by  the  USTF  be  paid to the former officer as partial  settlement  of  this
judgment.

A  cash  shortfall is anticipated unless additional cash can be raised.   West
Coast  may  elect  to  raise  additional cash by limiting  repayments  of  the
affiliate debt or interest payments on the subordinated debt, and/or incurring
additional  debt.  West Coast may not incur debt without the approval  of  the
Federal Reserve Board.  West Coast is considering selling additional shares of



                                    -17-

                      WEST COAST BANCORP AND SUBSIDIARIES
               MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL
                      CONDITION AND RESULTS OF OPERATIONS
                              SEPTEMBER 30, 1995


B&PB  stock, however pursuant to agreement with B&PB, West Coast can  sell  no
additional shares of B&PB without B&PB's consent until January 20, 1996.  Even
if  B&PB  was to consent to sale of some additional shares, proceeds  of  such
sale  would  become  security for West Coast's guarantee of Sunwest's  capital
plan  as  all shares of B&PB stock and proceeds thereof are pledged to Sunwest
to  secure  such obligation.  No assurances can be given that the  FDIC  would
permit Sunwest to release the collateral to West Coast.

In  the  event West Coast is unable to raise funds to increase its  liquidity,
West  Coast may not be able to meet its current obligations and may be  forced
into  bankruptcy.  If this event were to occur, West Coast shareholders  could
suffer the elimination of the value of their investments in the Company.

CAPITAL RESOURCES AND DIVIDENDS

The  following  table sets forth the tier 1 and total risk-based  capital  and
leverage ratios as of September 30, 1995 for the Company and Sunwest:


                                          Tier 1     Total
                                          Capital    Capital   Leverage
                                          Ratio      Ratio     Ratio
                                         --------------------------------
The Company                                 6.13%     8.14%     4.50%
Sunwest                                     9.63     10.92      7.00
Regulatory minimum                          4.00      8.00      4.00  (a)


(a) Sunwest  is  subject to the C&D Order from the FDIC that requires  Sunwest
    to  achieve  a  leverage ratio of 6.5% and is subject to  a  substantially
    similar State Order.

On  January  20,  1995,  Sunwest  received  a  repayment  of  previously  paid
management  fees totaling $3.4 million from West Coast and on March  30,  1995
Sunwest  received an additional $200,000 from West Coast increasing  Sunwest's
leverage  ratio  to  above the 6.5% level required by the  regulatory  orders.
These  amounts  increase Sunwest's capital ratios to levels  necessary  for  a
depository  institution  to  be "well capitalized"  under  the  prompt  action
provisions  of  the FDIC Improvement Act.  However, because Sunwest  is  still
subject   to   regulatory  agreements  it  can  only  be  deemed   "adequately
capitalized."   Sunwest received an additional $100,000 capital infusion  from
West Coast during May 1995.

Management   believes  Sunwest  is  now  in  compliance  with  the  regulatory
agreements  and orders as set forth in the capital plan Sunwest  submitted  to
the  FDIC,  pursuant to the prompt corrective action provisions  of  the  FDIC
Improvement  Act,  which  is guaranteed by West Coast.   The  amount  of  such
guaranty is limited to the lesser of (i) 5% of Sunwest's total assets  at  Sep
tember  30, 1993, the date the FDIC deemed Sunwest to have notice that it  was
undercapitalized or (ii) the amount which is necessary to bring  Sunwest  into
compliance with all applicable capital standards at the time Sunwest fails  to
comply with the capital restoration plan.

The  Company  had  no  material commitments for  capital  expenditures  as  of
September 30, 1995.




                                     -18-

                      WEST COAST BANCORP AND SUBSIDIARIES
                              September 30, 1995

                                   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

NONE

(b)  Reports on Form 8-K

NONE
























                                     -19-

                                  SIGNATURES





Pursuant  to  the  requirements of the Securities Exchange Act  of  1934,  the
registrant  has  duly caused this report to be signed on  its  behalf  by  the
undersigned thereunto duly authorized.



WEST COAST BANCORP






        /s/John B. Joseph                           November 13, 1995
        -----------------------------------------   ----------------------
        John B. Joseph                              Date
        Chief Executive Officer





        /s/Frank E. Smith                           November 13, 1995
        -----------------------------------------   ----------------------
        Frank E. Smith                              Date
        Chief Financial Officer
































                                     -20-