Letter from Crowe Chizek and Company LLC

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First PacTrust Bancorp 8-K 2005

Documents found in this filing:

Letter from Crowe Chizek and Company LLC

Exhibit 16.1

[Letterhead of Crowe Chizek and Company LLC]

March 3, 2005

Mr. Alvin L. Majors

Chairman of the Board

First PacTrust Bancorp, Inc.

610 Bay Boulevard

Chula Vista, California 91910

Dear Mr. Majors:

This is to confirm that the client-auditor relationship between First PacTrust Bancorp, Inc. (Commission File Number 000-49806) and Crowe Chizek and Company LLC has ceased and has been replaced with a new auditor relationship between First PacTrust Bancorp, Inc. and Crowe Chizek and Company LLP. There will be no change in audit personnel and this new name will allow us to continue to expand our audit practice in the State of California.

Sincerely,

Crowe Chizek and Company LLC


cc:		Office of the Chief Accountant
		SECPS Letter File
		Securities and Exchange Commission
		Mail Stop 9-5
		450 Fifth Street, N.W.
		Washington, D.C. 20549

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