SECURITIES AND EXCHANGE COMMISSION 

WASHINGTON, D.C. 20549 

FORM 8-K/A 

CURRENT REPORT 

Pursuant to Section 13 or 15(d) of the 

Securities Exchange Act of 1934 

Date of Report (Date of earliest event reported): January 15, 2004 

COASTAL BANCORP, INC. 

(Exact name of registrant as specified in charter) 


TEXAS	0-24526	76-0428727

(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

Item 7.   Exhibits. 

(c)  Exhibits 

No.    Description 

99      Press Release, dated January 15, 2004 

Item 9 .  Regulation FD Disclosure 

The following information and exhibit is being furnished under Item 9 (Regulation FD Disclosure) in satisfaction of Item 12, "Disclosure of Results of Operations and Financial Condition." 

On January 15, 2004, Coastal Bancorp, Inc. issued a press release regarding the results of operations and financial condition for the quarterly period ended December 31, 2003. The text of the press release is included as Exhibit 99 to this report. The information included in the press release is considered to be "filed" under the Securities Exchange Act of 1934. The Company will include final financial statements and additional analyses for the quarterly and year to date periods ended December 31, 2003, as part of its Form 10-Q covering the period. 

On January 16, 2004, the Company held a web cast to discuss the press release issued on January 15, 2004 regarding its results of operations and financial condition for the quarterly period ended December 31, 2003. 

Item 12 .   Results of Operations and Financial Condition 

See Item 9 per SEC Release 33-8216. 

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. 

Date: January 16, 2004        COASTAL BANCORP, INC. 

/s/ Catherine N. Wylie        

By: Catherine N. Wylie 

Senior Executive Vice President/ 

Chief Financial Officer 

COASTAL BANCORP INC 8-K/A