<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000930429
<NAME> MONTEREY BAY BANCORP, INC.
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-START>                             SEP-30-1996
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