10-12G/A

           As filed with the Securities and Exchange Commission on July 14, 1999
                                                      Registration No. 0-26081

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- --------------------------------------------------------------------------------

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                   -----------

                                    AMENDMENT
                                     NO. 2 TO
                                     FORM 10
                   GENERAL FORM FOR REGISTRATION OF SECURITIES
                      PURSUANT TO SECTION 12(b) OR 12(g) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                                ----------------

                          SCRIPPS FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)

                                ----------------

          CALIFORNIA                                         33-0855985
(State or other jurisdiction of                           (I.R.S. Employer
incorporation or organization)                           Identification No.)
                               7817 IVANHOE AVENUE
                           LA JOLLA, CALIFORNIA 92037

               (Address of principal executive offices; zip code)

                                 (619) 456-2265
                     (Telephone number, including area code)

                                ----------------

Securities to be registered pursuant to Section 12(b) of the Act:

     Title of Each Class                  Name of Each Exchange on Which
     to be so Registered                  Each Class is to be Registered
     -------------------                  ------------------------------

            NONE                                    NOT APPLICABLE

Securities to be registered pursuant to Section 12(g) of the Act:

                           COMMON STOCK, NO PAR VALUE

                                (Title of class)






EXHIBITS





      EXHIBIT
      NUMBER    DESCRIPTION OF DOCUMENT
      --------  -----------------------
             
      27.1      Financial Data Schedule.







                                     SIGNATURES
Pursuant to the requirements of Section 12 of the Securities Exchange Act of
1934, the registrant has duly caused this registration statement to be signed on
its behalf by the undersigned, thereunto duly authorized.
                                   SCRIPPS FINANCIAL CORPORATION


Date July 14, 1999                       By: /s/ Ronald J. Carlson
    -------------------------               ----------------------------------
                                            Name:  Ronald J. Carlson
                                            Title: President

EX-27

 


<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
FINANCIAL STATEMENTS OF SCRIPPS BANK AS OF AND FOR THE YEARS ENDED DECEMBER 31,
1998, 1997 AND 1996 AND THE UNAUDITED FINANCIAL STATEMENTS AS OF AND FOR THE
THREE MONTHS ENDED MARCH 31, 1999.

<MULTIPLIER> 1,000

                                                                                            

<PERIOD-TYPE>                   3-MOS                   3-MOS                   YEAR                   YEAR
YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998             DEC-31-1998             DEC-31-1997
             DEC-31-1996
<PERIOD-START>                             JAN-01-1999             JAN-01-1998             JAN-01-1998             JAN-01-1997
             JAN-01-1996
<PERIOD-END>                               MAR-31-1999             MAR-31-1998             DEC-31-1998             DEC-31-1997
             DEC-31-1996
<CASH>                                          60,883                       0                  67,120                  44,499
                       0
<SECURITIES>                                   164,143                       0                 162,317                 119,702
                       0
<RECEIVABLES>                                  354,127                       0                 340,775                 283,647
                       0
<ALLOWANCES>                                     3,897                       0                   4,767                   3,624
                       0
<INVENTORY>                                          0                       0                       0                       0
                       0
<CURRENT-ASSETS>                                     0                       0                       0                       0
                       0
<PP&E>                                          11,624                       0                  11,509                  10,029
                       0
<DEPRECIATION>                                   6,863                       0                   6,524                   5,168
                       0
<TOTAL-ASSETS>                                 591,267                       0                 582,630                 461,998
                       0
<CURRENT-LIABILITIES>                                0                       0                       0                       0
                       0
<BONDS>                                              0                       0                       0                       0
                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                          0                       0                       0                       0
                       0
<COMMON>                                        34,513                       0                  34,092                  33,502
                       0
<OTHER-SE>                                      10,891                       0                   9,663                   4,455
                       0
<TOTAL-LIABILITY-AND-EQUITY>                   591,267                       0                 582,630                 461,998
                       0
<SALES>                                              0                       0                       0                       0
                       0
<TOTAL-REVENUES>                                12,375                  11,167                  47,806                  39,062
                  30,440
<CGS>                                                0                       0                       0                       0
                       0
<TOTAL-COSTS>                                        0                       0                       0                       0
                       0
<OTHER-EXPENSES>                                 5,644                   5,424                  22,823                  20,168
                  15,746
<LOSS-PROVISION>                                   885                     460                   1,805                   1,452
                     922
<INTEREST-EXPENSE>                               3,313                   3,046                  13,315                  10,454
                   8,111
<INCOME-PRETAX>                                  2,533                   2,237                   9,863                   6,988
                   5,661
<INCOME-TAX>                                     1,000                     880                   3,995                   2,758
                   2,259
<INCOME-CONTINUING>                              1,533                   1,357                   5,868                   4,230
                   3,402
<DISCONTINUED>                                       0                       0                       0                       0
                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                       0                       0                       0
                       0
<NET-INCOME>                                     1,533                   1,357                   5,868                   4,230
                   3,402
<EPS-BASIC>                                        .22                     .20                     .87                     .63
                     .56
<EPS-DILUTED>                                      .22                     .20                     .84                     .61
                     .55