<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from (a) Item 7 - "Financial Statements and Supplementary Data" and is qualified in its entirety by reference to such (b) financial statements included in this report and incorporated herein by reference. </LEGEND> <CIK> 0000921085 <NAME> CENTRAL COAST BANCORP <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1 <CASH> 39,959 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 145,435 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 396,318 <ALLOWANCE> 5,596 <TOTAL-ASSETS> 593,445 <DEPOSITS> 518,189 <SHORT-TERM> 0 <LIABILITIES-OTHER> 21,951 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,223 <OTHER-SE> 13,082 <TOTAL-LIABILITIES-AND-EQUITY> 593,445 <INTEREST-LOAN> 32,234 <INTEREST-INVEST> 9,127 <INTEREST-OTHER> 156 <INTEREST-TOTAL> 41,517 <INTEREST-DEPOSIT> 13,218 <INTEREST-EXPENSE> 13,648 <INTEREST-INCOME-NET> 27,869 <LOAN-LOSSES> 1,484 <SECURITIES-GAINS> 45 <EXPENSE-OTHER> 16,043 <INCOME-PRETAX> 12,573 <INCOME-PRE-EXTRAORDINARY> 12,573 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,051 <EPS-BASIC> 1.14 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> 5.65 <LOANS-NON> 1,576 <LOANS-PAST> 354 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,352 <CHARGE-OFFS> 400 <RECOVERIES> 160 <ALLOWANCE-CLOSE> 5,596 <ALLOWANCE-DOMESTIC> 5,596 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0