<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

<S>                                                <C>
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             Jul-01-1999
<PERIOD-END>                               Sep-30-1999
<CASH>                                          38,668
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    150,368
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        382,526
<ALLOWANCE>                                      5,291
<TOTAL-ASSETS>                                 587,529
<DEPOSITS>                                     516,108
<SHORT-TERM>                                     9,897
<LIABILITIES-OTHER>                              5,869
<LONG-TERM>                                      4,356
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        39,521
<OTHER-SE>                                      11,778
<TOTAL-LIABILITIES-AND-EQUITY>                 587,529
<INTEREST-LOAN>                                  8,457
<INTEREST-INVEST>                                2,273
<INTEREST-OTHER>                                    25
<INTEREST-TOTAL>                                10,755
<INTEREST-DEPOSIT>                               3,402
<INTEREST-EXPENSE>                               3,525
<INTEREST-INCOME-NET>                            7,230
<LOAN-LOSSES>                                      418
<SECURITIES-GAINS>                                  45
<EXPENSE-OTHER>                                  4,111
<INCOME-PRETAX>                                  3,230
<INCOME-PRE-EXTRAORDINARY>                       3,230
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,003
<EPS-BASIC>                                     0.31
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                     5.6
<LOANS-NON>                                      2,039
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,882
<CHARGE-OFFS>                                       23
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                5,291
<ALLOWANCE-DOMESTIC>                             5,291
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>