Item 8.01 Other Events.

On November 12, 2008, First PacTrust Bancorp, Inc., the parent company of Pacific Trust Bank, announced that it had received preliminary approval of its application for the United States Treasury Department to invest approximately $19.3 million in the Company's preferred stock and warrants.

The U.S. Treasury introduced the Capital Purchase Program on October 14, 2008. Following the participation of nine of the nation's largest banks, the Treasury has encouraged a select number of healthy regional and local banks to participate in the program to increase capital and lending capacity in the system so as to help the nation's economy. The Treasury's term sheet with additional details about the Capital Purchase Program is available on the Treasury's web site at: http://www.ustreas.gov.

A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. This information is being furnished under Item
8.1 (Other Events) of Form 8-K.

Item 9.01 Financial Statements and Exhibits.

(d) Press Release dated November 12, 2008

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