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) April 07, 1999


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


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


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


Registrant's telephone number, including area code:   (559) 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 April 7, 1999 announcing
          that the registrant earned $1.1 million or $0.42 per share in the
          first quarter of 1999.  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 April 7, 1999


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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:     April 7, 1999                 /s/ STEVEN R. CANFIELD
                                        ----------------------
                                        Steven R. Canfield
                                        EVP & CFO


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                                   EXHIBIT INDEX




          Exhibit No.                             Description
         ------------                            -------------
                                
          99.1                     Press Release dated April 7, 1999




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