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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 I3AZeGhkG5uuNjdWPwv9HO6X7T6jUQ6hS4Hk1pHrtFmGU2lkYnJ78ZqpxUIND3uY
 kDQ+PQlE3QNCmUV5Me/Faw==

<SEC-DOCUMENT>0001179110-03-008251.txt : 20031002
<SEC-HEADER>0001179110-03-008251.hdr.sgml : 20031002
<ACCEPTANCE-DATETIME>20031002114933
ACCESSION NUMBER:		0001179110-03-008251
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031001
FILED AS OF DATE:		20031002

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			WARNER BRUCE N
		CENTRAL INDEX KEY:			0001243507

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27666
		FILM NUMBER:		03922760

	MAIL ADDRESS:	
		STREET 1:		31660 VIA LA ESTRELLA
		CITY:			CARMEL VALLEY
		STATE:			CA
		ZIP:			93940

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORTHERN CALIFORNIA BANCORP INC
		CENTRAL INDEX KEY:			0001006820
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		601 MUNRAS AVE
		CITY:			MONTEREY
		STATE:			CA
		ZIP:			93940
		BUSINESS PHONE:		4086494600

	MAIL ADDRESS:	
		STREET 1:		601 MUNRAS AVE
		CITY:			MONTEREY
		STATE:			CA
		ZIP:			93940

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MONTEREY COUNTY BANK
		DATE OF NAME CHANGE:	19960131
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>FORM 4 -
<TEXT>
<XML>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
<periodOfReport>2003-10-01</periodOfReport>
<notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001006820</issuerCik>
        <issuerName>NORTHERN CALIFORNIA BANCORP INC</issuerName>
        <issuerTradingSymbol>NRLB</issuerTradingSymbol>
</issuer>
<reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001243507</rptOwnerCik>
            <rptOwnerName>WARNER BRUCE N</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>31660 VIA LA ESTRELLA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CARMEL VALLEY</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>93924</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector>
<isOfficer>1</isOfficer>
<isTenPercentOwner>0</isTenPercentOwner>
<isOther>0</isOther>
<officerTitle>Chief Financial Officer</officerTitle>
<otherText></otherText>
</reportingOwnerRelationship>
</reportingOwner>
<nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value>
</securityTitle>
<transactionDate><value>2003-10-01</value>
</transactionDate>
<transactionCoding><transactionFormType>4</transactionFormType>
<transactionCode>M</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
</transactionCoding>
<transactionAmounts><transactionShares><value>8053</value>
</transactionShares>
<transactionPricePerShare><value>1.86</value>
</transactionPricePerShare>
<transactionAcquiredDisposedCode><value>A</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<postTransactionAmounts><sharesOwnedFollowingTransaction><value>53607</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature><directOrIndirectOwnership><value>D</value>
</directOrIndirectOwnership>
</ownershipNature>
</nonDerivativeTransaction>
</nonDerivativeTable>
<derivativeTable><derivativeTransaction><securityTitle><value>Common Stock/Options</value>
</securityTitle>
<conversionOrExercisePrice><value>1.86</value>
</conversionOrExercisePrice>
<transactionDate><value>2003-10-01</value>
</transactionDate>
<transactionCoding><transactionFormType>4</transactionFormType>
<transactionCode>X</transactionCode>
<equitySwapInvolved>0</equitySwapInvolved>
</transactionCoding>
<transactionAmounts><transactionShares><value>8053</value>
</transactionShares>
<transactionPricePerShare><value>1.86</value>
</transactionPricePerShare>
<transactionAcquiredDisposedCode><value>A</value>
</transactionAcquiredDisposedCode>
</transactionAmounts>
<exerciseDate><value>1998-10-01</value>
</exerciseDate>
<expirationDate><value>2003-10-01</value>
</expirationDate>
<underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value>
</underlyingSecurityTitle>
<underlyingSecurityShares><value>8053</value>
</underlyingSecurityShares>
</underlyingSecurity>
<postTransactionAmounts><sharesOwnedFollowingTransaction><value>25317</value>
</sharesOwnedFollowingTransaction>
</postTransactionAmounts>
<ownershipNature><directOrIndirectOwnership><value>D</value>
</directOrIndirectOwnership>
</ownershipNature>
</derivativeTransaction>
</derivativeTable>
<footnotes></footnotes>
<ownerSignature><signatureName>/s/Bruce N. Warner</signatureName>
<signatureDate>2003-10-01</signatureDate>
</ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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