UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                  SCHEDULE 13G
                    UNDER THE SECURITIES EXCHANGE ACT OF 1934

                          SCRIPPS FINANCIAL CORPORATION
                                (Name of Issuer)

                                  COMMON STOCK
                         (Title of Class of Securities)

                                   81 104 0104
                                 (CUSIP Number)

                                DECEMBER 31, 1999
              Date of event which requires filing of this statement

                   Check the appropriate box to designate the
                  rule pursuant to which this schedule is filed

                               / / Rule 13d - 1(b)
                               / / Rule 13d - 1(c)
                               /X/ Rule 13d - 1(d)

         *The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.

         The information required in the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).




- ---------------------------                   ---------------------------------
CUSIP No.  81 104 0104            13G          Page    2     of    5     Pages
- ---------------------------                   ---------------------------------

- -------------------------------------------------------------------------------
   1      NAME OF REPORTING PERSON
          I.R.S. IDENTIFICATION NO. OF ABOVE PERSON (entities only)

          Alfred  B. Salganick                      Social Security #
- --------- ---------------------------------------------------------------------
   2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                             (a) [ ]
                                             (b) [ ]

- -------------------------------------------------------------------------------
   3      SEC USE ONLY

- -------------------------------------------------------------------------------
   4      CITIZENSHIP OR PLACE OF ORGANIZATION

                United States
- -------------------------------------------------------------------------------
                             5    SOLE VOTING POWER

        NUMBER OF                        491,384
         SHARES            ----------------------------------------------------
      BENEFICIALLY           6    SHARED VOTING POWER
        OWNED BY                  N/A
          EACH             ----------------------------------------------------
        REPORTING            7    SOLE DISPOSITIVE POWER
         PERSON                          491,384
          WITH             ----------------------------------------------------
                             8    SHARED DISPOSITIVE POWER

                                  N/A
- -------------------------------------------------------------------------------
    9       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                           491,384
- -------------------------------------------------------------------------------
    10      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
            SHARES*
                / /
- -------------------------------------------------------------------------------
    11      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
            7.11 %
- -------------------------------------------------------------------------------
    12      TYPE OF REPORTING PERSON*

                 IN
- -------------------------------------------------------------------------------

                      *SEE INSTRUCTION BEFORE FILLING OUT!




ITEM 1(a)

Name of Issuer:
Scripps Financial Corporation

ITEM 1(b)

Address of Issuer's Principal Executive Offices:
7817 Ivanhoe Avenue
La Jolla, CA 92037

ITEM 2(a)-(c)

Name, Address and Citizenship of Person Filing:

Alfred B. Salganick
c/o Scripps Bank
7817 Ivanhoe Avenue
La Jolla, CA 92037

A United States citizen.

ITEM 2(d)

Title of Class of Securities:
Common Stock

ITEM 2(e)

CUSIP Number:  81 104 0104

ITEM 3

Type of Person:
Not Applicable.

ITEM 4

Ownership:

(a)  Amount beneficially owned:  491,384

(b)  Percent of class:  7.11 %

(c)  Number of shares as to which the person has:

       (i)   sole power to vote or direct the vote:  491,384
       (ii)  shared power to vote or direct the vote:      N/A
       (iii) sole power to dispose or to direct the disposition of  491,384
       (iv)  shared power to dispose or to direct the disposition of  N/A





ITEM 5

Ownership of Five Percent or Less of a Class:
If this statement is being filed to report the fact that as of the date hereof
the reporting person has ceased to be the beneficial owner of more than five
percent of the class of securities, check the following: / /

ITEM 6

Ownership of More than Five Percent on Behalf of Another Person:

Not Applicable

ITEM 7

Identification and Classification of the Subsidiary Which Acquired the Security
Being Reported on by the Parent Holding Company:
Not Applicable.

ITEM 8

Identification and Classification of Members of the Group:
Not Applicable.

ITEM 9

Notice of Dissolution of Group:
Not Applicable.

ITEM 10

Certification:
(a)      Not Applicable.

(b)      By signing below I certify that, to the best of my knowledge and
         belief, the securities referred to above were not acquired and are not
         held for the purpose of or with the effect of changing or influencing
         the control of the issuer of the securities and were not acquired and
         are not held in connection with or as a participant in any transaction
         having that effect.





                                    SIGNATURE

         After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.

Date:    February 14, 2000.

                                         By:         /s/ Alfred B. Salganick
                                             -------------------------------
                                                  Alfred B. Salganick