<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 <PERIOD-TYPE> year <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 44,684 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,202 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 170,387 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 318,338 <ALLOWANCE> 4,352 <TOTAL-ASSETS> 543,933 <DEPOSITS> 489,192 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,542 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 41,103 <OTHER-SE> 10,096 <TOTAL-LIABILITIES-AND-EQUITY> 543,933 <INTEREST-LOAN> 27,037 <INTEREST-INVEST> 7,473 <INTEREST-OTHER> 2,844 <INTEREST-TOTAL> 37,354 <INTEREST-DEPOSIT> 13,319 <INTEREST-EXPENSE> 13,319 <INTEREST-INCOME-NET> 24,035 <LOAN-LOSSES> 159 <SECURITIES-GAINS> 58 <EXPENSE-OTHER> 13,859 <INCOME-PRETAX> 12,101 <INCOME-PRE-EXTRAORDINARY> 12,101 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,153 <EPS-PRIMARY> 1.18 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 5.36 <LOANS-NON> 876 <LOANS-PAST> 1,247 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,223 <CHARGE-OFFS> 177 <RECOVERIES> 147 <ALLOWANCE-CLOSE> 4,352 <ALLOWANCE-DOMESTIC> 4,352 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0