EXHIBIT 23

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statement No.
333-26205 of Coast Bancorp on Form S-8 of our report dated January 21, 2000,
appearing in this Annual Report on Form 10-K of Coast Bancorp for the year ended
December 31, 1999.

DELOITTE & TOUCHE LLP

San Jose, California
April 5, 2000