<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This schedule contains summary financial information extracted from (a) Item 7 -
"Financial Statements and Supplementary Data" and is qualified in its entirety
by reference to such (b)  financial statements included in this report and
incorporated herein by reference.
</LEGEND>

<CIK>                                               0000921085
<NAME>                                   CENTRAL COAST BANCORP
<MULTIPLIER>                                             1,000
<CURRENCY>                                        U.S. DOLLARS

<S>                                                <C>
<PERIOD-TYPE>                                           12-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-START>                                     JAN-01-1999
<PERIOD-END>                                       DEC-31-1999
<EXCHANGE-RATE>                                              1
<CASH>                                                  39,959
<INT-BEARING-DEPOSITS>                                       0
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            145,435
<INVESTMENTS-CARRYING>                                       0
<INVESTMENTS-MARKET>                                         0
<LOANS>                                                396,318
<ALLOWANCE>                                              5,596
<TOTAL-ASSETS>                                         593,445
<DEPOSITS>                                             518,189
<SHORT-TERM>                                                 0
<LIABILITIES-OTHER>                                     21,951
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                40,223
<OTHER-SE>                                              13,082
<TOTAL-LIABILITIES-AND-EQUITY>                         593,445
<INTEREST-LOAN>                                         32,234
<INTEREST-INVEST>                                        9,127
<INTEREST-OTHER>                                           156
<INTEREST-TOTAL>                                        41,517
<INTEREST-DEPOSIT>                                      13,218
<INTEREST-EXPENSE>                                      13,648
<INTEREST-INCOME-NET>                                   27,869
<LOAN-LOSSES>                                            1,484
<SECURITIES-GAINS>                                          45
<EXPENSE-OTHER>                                         16,043
<INCOME-PRETAX>                                         12,573
<INCOME-PRE-EXTRAORDINARY>                              12,573
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             8,051
<EPS-BASIC>                                             1.14
<EPS-DILUTED>                                             1.10
<YIELD-ACTUAL>                                            5.65
<LOANS-NON>                                              1,576
<LOANS-PAST>                                               354
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         4,352
<CHARGE-OFFS>                                              400
<RECOVERIES>                                               160
<ALLOWANCE-CLOSE>                                        5,596
<ALLOWANCE-DOMESTIC>                                     5,596
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0




</TABLE>