<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>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          36,938
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    165,961
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        325,410
<ALLOWANCE>                                      4,398
<TOTAL-ASSETS>                                 536,004
<DEPOSITS>                                     475,468
<SHORT-TERM>                                     3,740
<LIABILITIES-OTHER>                              4,649
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        41,106
<OTHER-SE>                                      11,041
<TOTAL-LIABILITIES-AND-EQUITY>                 536,004
<INTEREST-LOAN>                                  7,140
<INTEREST-INVEST>                                2,249
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                 9,462
<INTEREST-DEPOSIT>                               3,086
<INTEREST-EXPENSE>                               3,113
<INTEREST-INCOME-NET>                            6,349
<LOAN-LOSSES>                                      127
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,823
<INCOME-PRETAX>                                  2,941
<INCOME-PRE-EXTRAORDINARY>                       2,941
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,725
<EPS-PRIMARY>                                     0.27
<EPS-DILUTED>                                     0.26
<YIELD-ACTUAL>                                     5.6
<LOANS-NON>                                        692
<LOANS-PAST>                                     1,175
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,352
<CHARGE-OFFS>                                       90
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                4,398
<ALLOWANCE-DOMESTIC>                             4,398
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0 
        


</TABLE>