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) May 11, 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 7 pages The Exhibit Index is on Page 4. 1 Item 5. OTHER EVENTS. The Registrant announced that Zions Bancorporation, Regency Bancorp and Regency Bank executed an Amendment, dated May 11, 1999, to the Agreement and Plan of Merger, dated April 27, 1999, by and among Zions Bancorporation, Regency Bancorp and Regency Bank. The Amendment added certain provisions to clarify rights of dissenters in the Merger. The Merger is subject to the approval of Regency Bancorp shareholders and applicable regulatory approvals. The foregoing is qualified by reference to the Amendment to Agreement and Plan of Merger attached hereto as Exhibit 2.1 and the Agreement and Plan of Merger dated April 27, 1999 attached as exhibit 2.1 to Registrant's Form 8-K dated April 27, 1999 and filed with the Commission on May 6, 1999. Item 7. FINANCIAL STATEMENTS AND EXHIBITS. (a) FINANCIAL STATEMENTS. Not Applicable. (b) PRO FORMA FINANCIAL INFORMATION. Not Applicable. (c) EXHIBITS. (2.1) Amendment to Agreement and Plan of Merger dated May 11, 1999 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: May 27, 1999 /s/ STEVEN R. CANFIELD ----------------------- Steven R. Canfield EVP & CFO 3 EXHIBIT INDEX Exhibit No. Description Page ----------- ----------- ---- 2.1 Amendment to Agreement and Plan of Merger 5-7 dated May 11, 1999 4