EXHIBIT 23.2
 
                         INDEPENDENT AUDITORS' CONSENT
 
    We consent to the incorporation by reference in Registration Statement No.
333-26205 of Coast Bancorp on Form S-8 of our report dated January 21, 1998,
appearing in this Annual Report on Form 10-K of Coast Bancorp for the year ended
December 31, 1997.
 
DELOITTE & TOUCHE LLP
 
San Jose, California
March 25, 1998
 
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