SECURITIES AND EXCHANGE COMMISSION
                                          
                              WASHINGTON, D.C.  20549
                                          
                                      FORM 8-K
                                          
                                   CURRENT REPORT
                                          
                      Pursuant to Section 13 or 15(d) of the 
                          Securities Exchange Act of 1934
                                          
                                          
          Date of Report (Date of earliest event reported) October 8, 1998


                                  REGENCY BANCORP
               (Exact name of registrant as specified in its charter)
                                          
                                          

          California                000-23815               77-0378956
       (State or other          (Commission File           (IRS Employer
       jurisdiction of               Number)            Identification No.)
        incorporation)




7060 N. Fresno, Fresno, California                             93720
(Address of principal executive offices)                    (Zip Code)


Registrant's telephone number, including area code:   (209) 438-2600


                                   Not Applicable
           (Former name or former address, if changed since last report).




                                                            Page 1 of 8 pages


                                              The Exhibit Index is on Page 4.

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Item 5.   OTHER EVENTS.
          
          The Registrant issued a press release dated  October 8, 1998
          announcing its third quarter earnings, which states record net
          quarterly income of $1.08 million or $0.41 per share for the third
          quarter of 1998.  The foregoing is qualified by reference to the press
          release attached as exhibit 99.1 
                              
Item 7.   FINANCIAL STATEMENTS AND EXHIBITS.

     (a)  FINANCIAL STATEMENTS.

          Not Applicable.

     (b)  PRO FORMA FINANCIAL INFORMATION.

          Not Applicable.

     (c)  EXHIBITS.

          (99.1)    Press Release dated October 8, 1998


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                                 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 hereunto duly authorized.

                                   REGENCY BANCORP



     
Date:     October 8 ,  1998             /s/ STEVEN R. CANFIELD
                                        --------------------------------
                                        Steven R. Canfield
                                        EVP & CFO



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                                    EXHIBIT INDEX




                                                                SEQUENTIAL
   EXHIBIT NO.                   DESCRIPTION                     PAGE NO.
   -----------                   -----------                    ----------
                                                       
      99.1       Press Release dated October 8, 1998               5 - 8





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