8-K

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

March 8, 2004
(Date of earliest event reported)

COMMERCIAL CAPITAL BANCORP, INC.
(Exact name of registrant as specified in its charter)

Nevada
(State or other jurisdiction
of incorporation) 000-50126
(Commission File Number) 33-0865080
(IRS Employer
Identification No.)

One Venture, 3rd Floor, Irvine, California
(Address of principal executive offices) 92618
(Zip Code)

(949) 585-7500
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed
since last report)

Item 5.   Other Events and Regulation FD Disclosure.

        On March 8, 2004, Commercial Capital Bancorp, Inc. (the “Company”) announced by press release that it will participate in the Third Annual JMP Securities Research Conference on March 9, 2004. In a separate release issued on March 8, 2004, the Company announced that it will participate in the Sandler O’Neill & Partners 2004 West Coast Financial Services Conference on March 10, 2004.

The press releases are attached hereto as Exhibit 99.1 and 99.2 to this Form 8-K and are incorporated herein by reference.

Item 7.   Financial Statements, Pro Forma Financial Information and Exhibits

(a) Not applicable.

(b) Not applicable.

(c) The following exhibits are included with this Report:

Exhibit 99.1 Press release dated March 8, 2004.
Exhibit 99.2 Press release dated March 8, 2004

SIGNATURE

        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 thereunto duly authorized.

COMMERCIAL CAPITAL BANCORP, INC.


By: /s/ Stephen H. Gordon
       ——————————————
       Stephen H. Gordon
       Chairman of the Board and
       Chief Executive Officer

Date:  March 8, 2004

EX-99.1

Contact: Stephen H. Gordon
David S. DePillo Chairman & CEO
President & COO Telephone:
Facsimile: (949) 585-7500
(949) 585-0174

COMMERCIAL CAPITAL BANCORP, INC. TO PRESENT AT SANDLER O'NEILL &
PARTNERS, 2004 WEST COAST FINANCIAL SERVICES CONFERENCE

Irvine, CA — March 8, 2004 — Commercial Capital Bancorp, Inc. (“CCBI” or the “Company”), (NASDAQ: “CCBI”), announced today that it will participate in the Sandler O’Neill & Partners 2004 West Coast Financial Services Conference to be held at the Four Seasons Resort, Aviara, in North San Diego on Wednesday, March 10, 2004. Stephen H. Gordon, Chairman and CEO of CCBI, and David S. DePillo, President and COO, are scheduled to present an overview of the Company and discuss its 2003 performance and the proposed acquisition of Hawthorne Financial Corporation beginning at 1:40 p.m. PST.

Attendance at the conference is by invitation only. Investors, analysts and the general public may listen to the broadcast live via webcast. Individuals interested in listening to the webcast should allow sufficient time prior to the presentation to register and login. On the day of the event, a link to the webcast will be available on the Company’s website www.commercialcapital.com. An archive of the webcast will be available for thirty days following the presentation, beginning March 11, 2004. Mr. Gordon’s and Mr. DePillo’s presentation materials will be available in the news section of the Company’s website prior to the beginning of their presentations.

CCBI Presentation
Tuesday, March 10, 2004
1:40 p.m. PST Webcast URL
www.commercialcapital.com
Real Media or Windows Media player required

CCBI, headquartered in Irvine, CA, is a multifaceted financial services company which provides financial services to meet the needs of its client base, which includes income-property real estate investors, middle market commercial businesses, and professionals. At December 31, 2003, CCBI was the 3rd largest multi-family lender in California during the 12 months ended December 31, 2003 (source: Dataquick Information Systems) and Commercial Capital Bank, CCBI’s bank subsidiary, was the fastest growing banking organization in California, based on percentage growth in total assets over the 36 months ended September 30, 2003 (source: www.fdic.gov). The Bank has full service banking offices located at the Company’s headquarters in Irvine, Rancho Santa Margarita, Riverside, and La Jolla and loan origination offices in Sacramento, Corte Madera (Marin County), Oakland, Burlingame, Woodland Hills, Encino, Los Angeles, Irvine, and La Jolla, CA, and plans to open a banking office in Beverly Hills, CA in the summer of 2004. On January 27, 2004, CCBI announced that it had signed a definitive agreement to acquire Hawthorne Financial Corporation; a Southern California based savings institution with $2.7 billion of assets, $1.7 billion of deposits and 15 branches.

The webcast and presentation referenced in this release may include forward-looking statements related to the company’s plans, beliefs and goals, which involve certain risks, and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such risks and uncertainties include, but are not limited to, the following factors: competitive pressure in the banking industry; changes in the interest rate environment; the health of the economy, either nationally or regionally; the deterioration of credit quality, which would cause an increase in the provision for possible loan and lease losses; changes in the regulatory environment; changes in business conditions, particularly in California real estate; volatility of rate sensitive deposits; asset/liability matching risks and liquidity risks; and changes in the securities markets. CCBI undertakes no obligation to revise or publicly release any revision to these forward-looking statements.

EX-99.2

Contact: Stephen H. Gordon
David S. DePillo Chairman & CEO
President & COO Telephone:
Facsimile: (949) 585-7500
(949) 585-0174

COMMERCIAL CAPITAL BANCORP, INC. TO PRESENT AT JMP SECURITIES
RESEARCH CONFERENCE ON MARCH 9, 2004

Irvine, CA – March 8, 2004 – Commercial Capital Bancorp, Inc. (“CCBI” or the “Company”), (NASDAQ: “CCBI”), announced today that it will participate in the Third Annual JMP Securities (“JMP”) Research Conference to be held at the Ritz-Carlton Hotel, San Francisco on Tuesday, March 9, 2004. Stephen H. Gordon, Chairman and CEO of CCBI, and David S. DePillo, President and COO, are scheduled to present an overview of the Company and discuss its 2003 performance and the proposed acquisition of Hawthorne Financial Corporation beginning at 2:10 p.m. PST.

Attendance at the JMP conference is by invitation only. Investors, analysts and the general public may listen to the broadcast live via webcast. Individuals interested in listening to the webcast should allow sufficient time prior to the presentation to register and login. On the day of the event, a link to the webcast will be available on the Company’s website www.commercialcapital.com. An archive of the webcast will be available for thirty days following the presentation, beginning at 4:00 p.m. PST on March 9, 2004. Mr. Gordon’s and Mr. DePillo’s presentation materials will be available in the news section of the Company’s website prior to the beginning of their presentations.

CCBI Presentation
Tuesday, March 9, 2004
2:10 a.m. PST Webcast URL
www.commercialcapital.com
Real Media or Windows Media player required

CCBI, headquartered in Irvine, CA, is a multifaceted financial services company which provides financial services to meet the needs of its client base, which includes income-property real estate investors, middle market commercial businesses, and professionals. At December 31, 2003, CCBI was the 3rd largest multi-family lender in California during the 12 months ended December 31, 2003 (source: Dataquick Information Systems) and Commercial Capital Bank, CCBI’s bank subsidiary, was the fastest growing banking organization in California, based on percentage growth in total assets over the 36 months ended September 30, 2003 (source: www.fdic.gov). The Bank has full service banking offices located at the Company’s headquarters in Irvine, Rancho Santa Margarita, Riverside, and La Jolla and loan origination offices in Sacramento, Corte Madera (Marin County), Oakland, Burlingame, Woodland Hills, Encino, Los Angeles, Irvine, and La Jolla, CA, and plans to open a banking office in Beverly Hills, CA in the summer of 2004. On January 27, 2004, CCBI announced that it had signed a definitive agreement to acquire Hawthorne Financial Corporation; a Southern California based savings institution with $2.7 billion of assets, $1.7 billion of deposits and 15 branches.

The webcast and presentation referenced in this release may include forward-looking statements related to the company’s plans, beliefs and goals, which involve certain risks, and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such risks and uncertainties include, but are not limited to, the following factors: competitive pressure in the banking industry; changes in the interest rate environment; the health of the economy, either nationally or regionally; the deterioration of credit quality, which would cause an increase in the provision for possible loan and lease losses; changes in the regulatory environment; changes in business conditions, particularly in California real estate; volatility of rate sensitive deposits; asset/liability matching risks and liquidity risks; and changes in the securities markets. CCBI undertakes no obligation to revise or publicly release any revision to these forward-looking statements.