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. 1 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 2 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 3 EXHIBIT INDEX SEQUENTIAL EXHIBIT NO. DESCRIPTION PAGE NO. ----------- ----------- ---------- 99.1 Press Release dated October 8, 1998 5 - 8 4