SEC Form 4

FORM 4		UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940	OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response: 0.5
X	Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person* INVESTORS OF AMERICA LIMITED PARTNERSHIP (Last) (First) (Middle) 135 N MERAMEC (Street) CLAYTON MO 63105 (City) (State) (Zip)	2. Issuer Name and Ticker or Trading Symbol FIRST PACTRUST BANCORP INC [ FPTB ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) Director 10% Owner Officer (give title below) X Other (specify below) Member of 13(d) Group
	3. Date of Earliest Transaction (Month/Day/Year) 10/04/2010
	4. If Amendment, Date of Original Filed (Month/Day/Year)	6. Individual or Joint/Group Filing (Check Applicable Line) Form filed by One Reporting Person X Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/04/2010		S		6,700	D	$10.5959	115,300	I	See Note(1)
Common Stock	10/05/2010		S		2,100	D	$10.5692	113,200	I	See Note(1)
Common Stock	10/06/2010		S		11,300	D	$10.5	101,900	I	See Note(1)
Common Stock	10/07/2010		S		22,600	D	$10.5524	79,300	I	See Note(1)
Common Stock	10/08/2010		S		28,000	D	$10.56	51,300	I	See Note(1)
Common Stock	10/11/2010		S		2,500	D	$10.55	48,800	I	See Note(1)
Common Stock	10/12/2010		S		15,000	D	$10.55	33,800	I	See Note(1)
Common Stock								268,000	I	See Note(2)
Common Stock								43,680	I	See Note(3)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

1. Name and Address of Reporting Person* INVESTORS OF AMERICA LIMITED PARTNERSHIP (Last) (First) (Middle) 135 N MERAMEC (Street) CLAYTON MO 63105 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director 10% Owner Officer (give title below) X Other (specify below) Member of 13(d) Group

1. Name and Address of Reporting Person* First Capital America, Inc. (Last) (First) (Middle) 135 NORTH MERAMEC (Street) CLAYTON MO 63105 (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director 10% Owner Officer (give title below) X Other (specify below) Member of 13(d) Group

1. Name and Address of Reporting Person* DIERBERG JAMES F (Last) (First) (Middle) (Street) (City) (State) (Zip) Relationship of Reporting Person(s) to Issuer Director 10% Owner Officer (give title below) X Other (specify below) Member of 13(d) Group

Explanation of Responses:

1. These securities are owned by Investors of America, Limited Partnership ("Investors") and may be deemed to be indirectly owned by First Capital America, Inc. ("First Capital") and James F. Dierberg, Trustee of the James F. Dierberg Living Trust Dated 10/8/85 ("JFD Lvg Trust"). Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and First Securities America, Inc. ("FSA"), the General Partner of Investors. First Capital and JFD Lvg Trust disclaim beneficial ownership of these securities.

2. These securities are owned by First Capital and may be deemed to be indirectly owned by Investors and JFD Lvg Trust. Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and FSA, the General Partner of Investors. Investors and JFD Lvg Trust disclaim beneficial ownership of these securities.

3. These securities are owned by JFD Lvg Trust and may be deemed to be indirectly owned by Investors and First Capital. Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and FSA, the General Partner of Investors. Investors and First Capital disclaim beneficial ownership of these securities.

Remarks:

Explanation of Response (1) This Form 4 is filed jointly by Investors of America, Limited Partnership ("Investors"), First Capital America, Inc. ("First Capital") and James F. Dierberg, Trustee of the James F. Dierberg Living Trust dated 10/8/85 ("JFD Lvg Trust") (collectively, the "Reporting Persons"). Each of the Reporting persons is a member of a Section 13(d) group with respect to the securities of the Issuer that beneficially owns in excess of 10% of the Issuer's outstanding common stock. As members of the group, each of the Reporting Persons may be deemed to beneficially own the securities of the Issuer beneficially owned by the other members of the group. Each of the reporting persons disclaims beneficial ownership of the securities of the Issuer beneficially owned by the other members of the group except to the extent of his or its pecuniary interest therein.

	James F. Dierberg, President of First Securities America, Inc., General Partner of Investors of America Limited Partnership	10/14/2010
	James F. Dierberg, President of First Capital America, Inc.	10/14/2010
	James F. Dierberg, Trustee of the James F. Dierberg Living Trust Dated 10/8/85	10/14/2010
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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