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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

       Date of Report (Date of earliest event reported): October 28, 2004

                            Capital Corp of the West
             (Exact name of registrant as specified in its charter)

           California                    0-27384               77-0147763
           ----------                    -------               ----------
(State or other jurisdiction of   (Commission File No.)       (IRS Employer
         incorporation)                                   Identification Number)

            550 West Main Street
             Merced, California                                    95340
             ------------------                                    -----
(Address of principal executive offices)                         (Zip Code)

                                 (209) 725-2200
                                 --------------
              (Registrant's telephone number, including area code)

                                       N/A
                                       ---
          (Former name or former address, if changed since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|   Written  communications  pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement  communications  pursuant  to  Rule  14d-2(b)  under  the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement  communications  pursuant  to  Rule  13e-4(c)  under  the
      Exchange Act (17 CFR 240.13e-4(c))

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Item 8.01. Other Events

      The press release  attached to this report as exhibit 99.1 is incorporated
herein by reference.  Exhibit 99.2 attached to this report is also  incorporated
herein by reference.

Item 9.01. Financial Statements and Exhibits

      (c) Exhibits:

      The exhibit list called for by this item is  incorporated  by reference to
the Exhibit Index filed as part of this report.


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                                    SIGNATURE

      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, hereunto duly authorized.

Dated: October 28, 2004

                                               CAPITAL CORP OF THE WEST

                                               By:      s/ David A. Curtis
                                                   -----------------------------
                                                          David A. Curtis
                                                   Vice President and Controller
                                                     (Duly Authorized Officer)


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                                  Exhibit Index

- --------------------------------------------------------------------------------
Exhibit
Number                                 Description
- ------                                 -----------
- --------------------------------------------------------------------------------
 99.1       Press release of the registrant dated October 28, 2004
- --------------------------------------------------------------------------------
 99.2       Written  agreement  by and between  Capital Corp of the West and the
            Federal Reserve Bank of San Francisco dated October 26, 2004
- --------------------------------------------------------------------------------


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