SECURITIES & 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): April 11, 2003
                                                        ----------------


                             CENTRAL COAST BANCORP
             -----------------------------------------------------
            (Exact name of registrant as specified in its charter)



STATE OF CALIFORNIA                     0-25418                77-0367061
- -----------------------------          ----------           ----------------
(State or other jurisdiction)         (Commission file      (I.R.S. Employer
of incorporation or organization)      number)              Identification No.)



301 Main Street, Salinas, California                            93901
- --------------------------------------                         --------
(Address of Principal Executive Offices)                      (Zip Code)

Registrants telephone number including area code:          (831) 422-6642
                                                        --------------------

                                Not Applicable
         -------------------------------------------------------------
        (Former name or former address, if changed since last report).



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Item 5.  Other Events.

      Community Bank of Central California (the "Bank"), a subsidiary of
the Registrant, has been served with an Application for Writ of
Mandate, filed on April 2, 2003 by the City of King, California, in
Monterey County Superior Court.  The Writ of Mandate seeks to obtain
the return from the Bank of approximately $4.4 million which the City
of King alleges are general fund monies it deposited with the Bank in a
certificate of deposit.  The certificate of deposit was assigned to the
Bank as collateral security for a loan in the amount of $4.4 million
made by the Bank to a private real estate developer (a limited
liability company) in connection with a redevelopment project
undertaken by the borrower under a contract with the City of King
and/or its Community Development Agency.  The aggregate amount of the
two loans currently outstanding and past due in respect of this project
is approximately $9.0 million.  The other loan made by the Bank to the
developer of this project is secured by a first deed of trust on the
project in the approximate amount of $4.6 million.  The certificate of
deposit matured on March 30, 2003 and the $4.4 million loan became due
on April 3, 2003.  Because the loan was not paid on the due date, the
Bank considers the loan impaired under applicable accounting
standards.  The Bank advised the City of King of its intention to apply
the proceeds of the certificate of deposit to payment of the loan.  A
dispute exists regarding the legality of the assignment of the
certificate of deposit to the Bank, and a hearing on the Application
for Writ of Mandate is currently scheduled for May 8, 2003.  If the
Superior Court rules in favor of the City of King, and the decision
becomes final, the Bank could sustain the loss of the certificate of
deposit as collateral security for the loan.  In such event, the entire
$4.4 million would likely become a charge to the Bank's allowance for
loan losses because the nature and extent of other sources of recovery
available to the Bank are uncertain at present.  The outcome of this
dispute is uncertain at the present time; however, the Bank's
disagreement with the allegations in the Application for Writ of
Mandate has been communicated to the City of King, and the Bank intends
to vigorously defend its rights in respect of the certificate of
deposit.





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                                  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.




                                       CENTRAL COAST BANCORP


Date:  April 11, 2003                By: /s/ ROBERT M. STANBERRY
                                       ----------------------------
                                       Robert M. Stanberry, CFO



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