<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> 6-mos <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> Apr-01-1999 <PERIOD-END> Jun-30-1999 <CASH> 48,052 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 156,704 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 360,412 <ALLOWANCE> 4,882 <TOTAL-ASSETS> 572,753 <DEPOSITS> 504,172 <SHORT-TERM> 12,408 <LIABILITIES-OTHER> 4,506 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,141 <OTHER-SE> 13,451 <TOTAL-LIABILITIES-AND-EQUITY> 572,753 <INTEREST-LOAN> 7,686 <INTEREST-INVEST> 2,343 <INTEREST-OTHER> 2 <INTEREST-TOTAL> 10,031 <INTEREST-DEPOSIT> 3,180 <INTEREST-EXPENSE> 3,329 <INTEREST-INCOME-NET> 6,702 <LOAN-LOSSES> 410 <SECURITIES-GAINS> 45 <EXPENSE-OTHER> 3,824 <INCOME-PRETAX> 3,059 <INCOME-PRE-EXTRAORDINARY> 3,059 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,994 <EPS-BASIC> 0.31 <EPS-DILUTED> 0.30 <YIELD-ACTUAL> 5.4 <LOANS-NON> 1,273 <LOANS-PAST> 1,702 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,398 <CHARGE-OFFS> 37 <RECOVERIES> 111 <ALLOWANCE-CLOSE> 4,882 <ALLOWANCE-DOMESTIC> 4,882 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0