<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> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 36,938 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 165,961 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 325,410 <ALLOWANCE> 4,398 <TOTAL-ASSETS> 536,004 <DEPOSITS> 475,468 <SHORT-TERM> 3,740 <LIABILITIES-OTHER> 4,649 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 41,106 <OTHER-SE> 11,041 <TOTAL-LIABILITIES-AND-EQUITY> 536,004 <INTEREST-LOAN> 7,140 <INTEREST-INVEST> 2,249 <INTEREST-OTHER> 73 <INTEREST-TOTAL> 9,462 <INTEREST-DEPOSIT> 3,086 <INTEREST-EXPENSE> 3,113 <INTEREST-INCOME-NET> 6,349 <LOAN-LOSSES> 127 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,823 <INCOME-PRETAX> 2,941 <INCOME-PRE-EXTRAORDINARY> 2,941 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,725 <EPS-PRIMARY> 0.27 <EPS-DILUTED> 0.26 <YIELD-ACTUAL> 5.6 <LOANS-NON> 692 <LOANS-PAST> 1,175 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,352 <CHARGE-OFFS> 90 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 4,398 <ALLOWANCE-DOMESTIC> 4,398 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0