UNITED STATES

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~~

~~Date~~Securities ofExchange ~~Report (Date~~ Act of ~~earliest event reported): October 30, 2003~~1934

Date of Report (Date of earliest event reported): January 26, 2004

PACIFIC CREST CAPITAL, INC.

(Exact name of registrant as specified in its charter)

Delaware		95-4437818
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)
Commission File Number: 0-22732
30343 Canwood Street Agoura Hills, California 91301
(Address of principal executive offices and zip code)
(818) 865-3300
(Registrant’s telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)

~~Commission~~Item ~~File~~5. ~~Number:~~Other ~~0-22732~~Events.

~~30343~~On ~~Canwood~~January ~~Street~~23, 2004, Pacific Capital Bancorp and Pacific Crest Capital, Inc. ~~Agoura~~issued ~~Hills~~a joint press release announcing that its merger had received all necessary regulatory approvals, ~~California~~a ~~91301~~copy of which is furnished as Exhibit 99.1 hereto.

~~(Address~~Item of7. ~~principal executive~~Financial ~~offices~~Statements ~~and~~And ~~zip code)~~Exhibits.

(~~818~~a) Financial Statements ~~865-3300~~of Businesses Acquired.

~~(Registrant’s~~Not ~~telephone number, including area code)~~Applicable.

~~Not~~(b) Pro Forma Financial ~~Applicable~~Information.

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

~~Item 12~~(c) Exhibits. ~~Results of Operations and Financial Condition~~

On October 30, 2003, the Company announced its earnings for the third quarter ended September 30, 2003.

Exhibit No.		Description
Exhibit 99.1		Joint Press release, dated January 23, 2004, titled “Pacific Capital Bancorp and Pacific Crest Capital, Inc. Receive All Regulatory Approvals Needed for Acquisition.”

~~The Company’s press release announcing earnings for the third quarter ended September 30, 2003 is attached as Exhibit 99.1 to this report.~~2

The information in this Form 8-K and the Exhibit attached hereto shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.SIGNATURES

~~Exhibit~~Pursuant ~~Index~~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.

EXHIBIT NUMBER		DESCRIPTION
	Pacific Crest Capital, Inc.
99.1		Press release of Registrant dated October 30, 2003 announcing earnings for the third quarter ended September 30, 2003.
	(Registrant)
Date: January 26, 2004	By:	/s/ ROBERT J. DENNEN
		Robert J. Dennen
		Senior Vice President and Chief Financial Officer

~~SIGNATURES~~INDEX TO EXHIBITS

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.

Exhibit No.		Description
Exhibit 99.1		Press release, dated January 23, 2004, titled “Pacific Capital Bancorp and Pacific Crest Capital, Inc. Receive All Regulatory Approvals Needed for Acquisiton.”

	Pacific Crest Capital, Inc.
	(Registrant)
Date: November 3, 2003	By:	/s/ ROBERT J. DENNEN
		Robert J. Dennen
		Senior Vice President and
		Chief Financial Officer

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