EXHIBIT 99.2


                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

                             As adopted pursuant to

                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



In connection  with the Quarterly  Report of First PacTrust  Bancorp,  Inc. (the
"Company")  on Form 10-Q for the period  ended  June 30,  2002 as filed with the
Securities and Exchange Commission on August 14, 2002, (the "Report"),  I, Regan
Gallagher,  Controller  (Principal  Financial  and  Accounting  Officer)  of the
Company, hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002, that:

     (1)  The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934, as amended; and

     (2)  The  information  contained  in the  Report  fairly  presents,  in all
          material respects,  the financial  condition of the Company as of June
          30,  2002 and results of  operations  of the Company for the three and
          six months ended June 30, 2002.


                                    ____/s/ Regan Gallagher
                                    Name: Regan Gallagher
                                    Title: Vice President Controller
                                    (Principal Financial and Accounting Officer)
                                    Date: August 14, 2002

                                                                             18.



                                   SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                                        FIRST PACTRUST BANCORP, INC.

Date:  ______________                   /s/ Hans R.  Ganz
                                        ----------------------------------------
                                        Hans R. Ganz
                                        President and Chief Executive Officer


Date: _______________                   /s/ Regan Gallagher
                                        ----------------------------------------
                                        Regan Gallagher
                                        Vice President and Controller
                                        (Principal Financial and Accounting
                                        Officer)

                                                                             19.