1 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) December 6, 1996 ---------------- COMMISSION FILE NO.: 0-24802 MONTEREY BAY BANCORP, INC. -------------------------- (Exact name of registrant as specified in its charter) Delaware 77-03811362 - ---------------------------------------------- -------------------- (State or other Jurisdiction of Incorporation (IRS Employer or organization) Identification No.) 36 Brennan Street, Watsonville, California 95076 - ---------------------------------------------- --------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (408) 722-3885 ------------------ 2 Item 2. Acquisition or Disposition of Assets ------------------------------------ On December 6, 1996 the Registrant's wholly-owned subsidiary, Monterey Bay Bank, Watsonville, California, completed its assumption of the deposits of two branches of Fremont Investment & Loan. Item 7. Financial Statements and Exhibits --------------------------------- Attached hereto as Exhibit 99 is a copy of the press release announcing the consummation of the deposit assumption transaction. It is impracticable at this time to provide the required financial statements and pro forma financial information. Such statements and information will be filed as soon as practicable but not later than 60 days from December 21, 1996. 3 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 hereunto duly authorized. By: /s/ Marshall G. Delk ------------------------------------- Marshall G. Delk President and Chief Operating Officer Dated: December 13, 1996 -----------------