Central Coast Bancorp is the holding company for Community Bank of Central California (the Bank), which offers a full range of commercial banking services, including the acceptance of demand, savings and time deposits, and the making of commercial, real estate (including residential mortgage), Small Business Administration, personal, home equity, automobile and other installment and term loans. The Bank also offers personal and business Visa credit cards, as well as automated teller machine and Visa debit cards, travelers checks, safe deposit boxes, notary public, customer courier and other customary bank services. The Banks business is concentrated in its service area, which primarily encompasses Monterey County, California, including the Salinas Valley area, and also serves Hollister, in San Benito County, Watsonville, in Santa Cruz County and Gilroy, in Santa Clara County.