Item 2.02 Results of Operations and Financial Condition.

On October 14, 2008, First PacTrust Bancorp, Inc. issued a press release announcing unaudited preliminary earnings results for the three month and nine month periods ended September 30, 2008. A copy of the press release is attached as Exhibit 99.1 to this Current Report. The information in this report (including Exhibit 99.1) is being furnished pursuant to Item 2.02 and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act.

Item 9.01 Financial Statements and Exhibits.

(c) Press Release dated October 14, 2008

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