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) November 8, 1996


                                   REGENCY BANCORP
                (Exact name of registrant as specified in its charter)
                                           
                                           
        California                     33-82150               77-0378956
(State or other jurisdiction    (Commission File Number)     (IRS Employer
of incorporation)                                           Identification No.)


7060 N. Fresno, Fresno, California                                 93720
(Address of principal executive offices)                         (Zip Code)


Registrant's telephone number, including area code:   (209) 438-2600


                                    Not Applicable
            (Former name or former address, if changed since last report).
                                           

                                                                   Page 1 of 7


                                               The Exhibit Index is on Page 4.




Item 5.  OTHER EVENTS.
         
         None      


Item 7.  FINANCIAL STATEMENTS AND EXHIBITS.

    (a)  FINANCIAL STATEMENTS.

         Not Applicable.

    (b)  PRO FORMA FINANCIAL INFORMATION.

         Not Applicable.

    (c)  EXHIBITS.

         (99.1)   Press Release dated November 8, 1996.


                                          2





                                      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.

                                            REGENCY BANCORP




Date:    November 18, 1996                                           
                                             /s/Steven F. Hertel
                                            ----------------------------
                                            Steven F. Hertel
                                            President



                                          3



                                           
                                           
                                    EXHIBIT INDEX
                                           
                                                           SEQUENTIAL
EXHIBIT NO.                  DESCRIPTION                    PAGE NO.

                        Press Release dated
99.1                         November 8, 1996                        5















                                          4