<ARTICLE> 9 <CIK> 0000731805 <NAME> Pacific Capital Bancorp <PERIOD-TYPE> 9-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1998 <PERIOD-START> JAN-01-1997 JAN-01-1998 <PERIOD-END> SEP-30-1997 SEP-30-1998 <CASH> 47,754 45,907 <INT-BEARING-DEPOSITS> 473 675 <FED-FUNDS-SOLD> 74,659 73,151 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 153,897 234,584 <INVESTMENTS-CARRYING> 7,457 5,272 <INVESTMENTS-MARKET> 7,469 5,309 <LOANS> 416,067 467,465 <ALLOWANCE> 4,168 4,646 <TOTAL-ASSETS> 723,331 852,592 <DEPOSITS> 646,796 756,512 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 6,292 11,849 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 49,840 62,201 <OTHER-SE> 20,403 22,030 <TOTAL-LIABILITIES-AND-EQUITY> 723,331 852,592 <INTEREST-LOAN> 30,452 32,670 <INTEREST-INVEST> 8,216 12,643 <INTEREST-OTHER> 0 0 <INTEREST-TOTAL> 38,668 45,313 <INTEREST-DEPOSIT> 12,494 15,487 <INTEREST-EXPENSE> 12,518 15,499 <INTEREST-INCOME-NET> 26,150 29,814 <LOAN-LOSSES> 910 1,035 <SECURITIES-GAINS> 11 (12) <EXPENSE-OTHER> 14,957 16,745 <INCOME-PRETAX> 12,700 14,897 <INCOME-PRE-EXTRAORDINARY> 12,700 14,897 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 7,672 8,913 <EPS-PRIMARY> 1.79 2.04 <EPS-DILUTED> 1.72 1.97 <YIELD-ACTUAL> 8.7 8.3 <LOANS-NON> 2,080 903 <LOANS-PAST> 46 287 <LOANS-TROUBLED> 246 25 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 3,672 4,266 <CHARGE-OFFS> 576 826 <RECOVERIES> 162 171 <ALLOWANCE-CLOSE> 4,168 4,646 <ALLOWANCE-DOMESTIC> 4,168 4,646 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0