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 22, 1999,
appearing in this Annual Report on Form 10-K of Coast Bancorp for the year ended
December 31, 1998.
 
DELOITTE & TOUCHE LLP
San Jose, California
March 26, 1999