<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           9,158
<INT-BEARING-DEPOSITS>                               3
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,702
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        100,110
<ALLOWANCE>                                      1,690
<TOTAL-ASSETS>                                 162,269
<DEPOSITS>                                     140,722
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,516
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,868
<OTHER-SE>                                       4,163
<TOTAL-LIABILITIES-AND-EQUITY>                 162,269
<INTEREST-LOAN>                                  5,496
<INTEREST-INVEST>                                  887
<INTEREST-OTHER>                                    43
<INTEREST-TOTAL>                                 6,426
<INTEREST-DEPOSIT>                               2,166
<INTEREST-EXPENSE>                               2,266
<INTEREST-INCOME-NET>                            4,160
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,965
<INCOME-PRETAX>                                    970
<INCOME-PRE-EXTRAORDINARY>                         560
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       560
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    6.56
<LOANS-NON>                                      3,855<F1>
<LOANS-PAST>                                       179
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    139
<ALLOWANCE-OPEN>                                 1,784
<CHARGE-OFFS>                                      165
<RECOVERIES>                                        71
<ALLOWANCE-CLOSE>                                1,690
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,690
<FN>
<F1>Regency Bancorp is a California corporation organized to act as the holding
company for Regency Bank (the "Bank") and its subsidiaries.  The Bank has two
wholly-owned subsidiaries, Regency Investment Advisors, Inc., a California
corporation ("RIA"), which provides investment management and consulting
services, and Regency Service Corporation, a California corporation ("RSC"),
that has engaged in the business of real estate development primarily in the
Fresno/Clovis area since 1986.

The FDIC has adopted final regulations under the Federal Deposit Insurance
Corporation Improvement Act of 1991 regarding real estate investment and
development activities of insured state banks and their majority-owned
subsidiaries.  Under the new FDIC regulations, banks must divest of their real
estate development investments as quickly and as prudently as possible, but in
no event later than December 19, 1996, and must submit a plan to the FDIC
regarding the divestiture of such investments.  Such regulations also permit
banks to apply for the FDIC's consent to continue certain real estate
development activities and/or to file for an extension to continue divestiture
beyond December 19, 1996.  RSC has filed a request with the FDIC to continue
its divestiture beyond December 19, 1996, however, as of the date of this report
the Company has not received a response.

As reported in the Company's quarterly report on form 10-Q, in order to
expedite the divestiture of its real estate holdings, RSC made loans to
facilitate the sale of three RSC projects.  The loans were immediately placed
on nonaccrual status in accordance with applicable accounting guidelines
regarding the sale of real estate.  As home and/or lots are sold on these
projects, principal reductions, as well as interest payments received are used
to reduce the principal balance outstanding on these loans.  Although, interest
and principal payments have been received, these loans represent $3.73 million
of the $3.85 million reported as nonaccrual loans.
</FN>