Exhibit 99
          
     
IMMEDIATE RELEASE
APRIL 27, 1999

                                
                                
                      PBOC HOLDINGS, INC. 
                      ANNOUNCES DIRECTOR

     Los Angeles, CA   April 27, 1999   PBOC Holdings, Inc. (NASDAQ; PBOC), 
holding company for People's Bank of California, today announced the appointment
of Randall Chang to its Board of Directors and to the Board of Directors of 
People's Bank.

     Mr. Chang is General Manager of the Asset Management Group for the 
Kamehameha Schools Bishop Estate in Honolulu.  In this role, he is responsible 
for numerous real estate properties and equity investments.  Previously, Mr. 
Chang was involved in commercial banking for 25 years, with experience in all 
aspects of bank lending and operations.

     He most recently served as President and Chief Operating Officer of City 
Bank in Honolulu for five years.  Prior to that, Mr. Chang served as Senior Vice
President of Daiwa Bank in Los Angeles.  Mr. Chang also served nine years with 
Union Bank in Los Angeles, most recently as Senior Vice President.

     "Randall brings an excellent background in Southern California commercial 
banking to our Boards of Directors" said Rudy Guenzel, President and Chief 
Executive Officer of the Company.  "We believe that he will be able to make an 
immediate contribution to our organization."
     
     People's Bank of California is a federally chartered savings bank with $3.4
billion dollars in assets and 20 full-service branch offices located in Los 
Angeles, Orange and Ventura Counties in Southern California.