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 12, 2004

                               WEST COAST BANCORP
               (Exact name of registrant as specified in charter)

                                     Oregon
                 (State or other jurisdiction of incorporation)

                                     0-10997
                                (SEC File Number)

                                   93-0810577
                        (IRS Employer Identification No.)

         5335 Meadows Road, Suite 201
         Lake Oswego, Oregon                                   97035
         (Address of principal executive offices)           (Zip Code)

              Registrant's telephone number, including area code:

                                 (503) 684-0884

      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:

|_|   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))






Item 2.02.  Results of Operations and Financial Condition.

      On October 12, 2004,  West Coast  Bancorp (the  "Company")  announced  its
financial  results for the third  quarter and nine months  ended  September  30,
2004.  A copy of the press  release is  furnished as Exhibit 99.1 to this report
and incorporated by reference.

Item 9.01.  Financial Statements and Exhibits.

(c)   Exhibits: The following exhibits are furnished with this Form 8-K:

        99.1 Press Release dated October 12, 2004

                                   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


Dated:  October 12, 2004            By: /s/ Richard R. Rasmussen
                                        -------------------------
                                        Richard R. Rasmussen
                                        Executive Vice President,
                                        General Counsel and Secretary