SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    Form 8-K


                Current Report Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934


         Date of Report (Date of earliest event reported) April 10, 2000



                                HUMBOLDT BANCORP
             (Exact name of registrant as specified in its charter)



         California                       0-27784                93-1175446
(State or other jurisdiction of   (Commission File Number)   (I.R.S. Employer
 incorporation or organization)                             Identification No.)



            701 Fifth Street, Eureka, California 95501; 707-445-3233
          (Address and telephone number of principal executive offices)

<PAGE>2

Item 5.  Other Events

     Pursuant  to  a  Second   Restatement   of  the   Agreement   and  Plan  of
Reorganization  and Merger dated  November  12, 1999,  as amended on February 3,
2000, (the "Merger  Agreement")  Humboldt  Bancorp  completed the acquisition of
Global  Bancorp,  a  California  bank  holding  company  headquartered  in Napa,
California,  and its wholly-owned subsidiary,  Capitol Thrift & Loan association
("Capitol  Thrift").  Capitol Thrift is a California  licensed  industrial  loan
company.  The  acquisition  was  completed by the merger of Global  Bancorp into
Humboldt  Bancorp.  Capitol Thrift now operates as a wholly-owned  subsidiary of
Humboldt Bancorp.

     The total  consideration  paid on April 10, 2000, for the  acquisition  was
$16,500,000,  comprised of an aggregate of  approximately  $11.9 million in cash
and  approximately  $4.6  million in the form of a Humboldt  Bancorp  promissory
note,  payable in full on January 30, 2002, to accrue  interest at 8% per annum,
and subject to certain adjustments for loan losses and expenses as identified in
the Merger Agreement.  Pursuant to the Merger  Agreement,  up to $2.0 million of
the promissory note may be paid at maturity in the form of Humboldt common stock
at the election of the holders of the promissory note.

     The cash used to  acquire  Global  Bancorp  was raised  through  the public
offering of $8 million of shares of common stock of Humboldt Bancorp and through
the  private  placement  of  approximately   $5.0  million  in  Trust  Preferred
securities issued by Humboldt Bancorp.


                                    SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


Dated: April 24, 2000                             HUMBOLDT BANCORP,
                                                  a California Corporation

                                                  /s/ Theodore Mason

                                                  Theodore Mason,
                                                  President
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SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    Form 8-K

                Current Report Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported) April 10, 2000

                                HUMBOLDT BANCORP
             (Exact name of registrant as specified in its charter)

         California                       0-27784                93-1175446
(State or other jurisdiction of   (Commission File Number)   (I.R.S. Employer
 incorporation or organization)                             Identification No.)

            701 Fifth Street, Eureka, California 95501; 707-445-3233
          (Address and telephone number of principal executive offices)
2

Item 5.  Other Events

     Pursuant  to  a  Second   Restatement   of  the   Agreement   and  Plan  of
Reorganization  and Merger dated  November  12, 1999,  as amended on February 3,
2000, (the "Merger  Agreement")  Humboldt  Bancorp  completed the acquisition of
Global  Bancorp,  a  California  bank  holding  company  headquartered  in Napa,
California,  and its wholly-owned subsidiary,  Capitol Thrift & Loan association
("Capitol  Thrift").  Capitol Thrift is a California  licensed  industrial  loan
company.  The  acquisition  was  completed by the merger of Global  Bancorp into
Humboldt  Bancorp.  Capitol Thrift now operates as a wholly-owned  subsidiary of
Humboldt Bancorp.

     The total  consideration  paid on April 10, 2000, for the  acquisition  was
$16,500,000,  comprised of an aggregate of  approximately  $11.9 million in cash
and  approximately  $4.6  million in the form of a Humboldt  Bancorp  promissory
note,  payable in full on January 30, 2002, to accrue  interest at 8% per annum,
and subject to certain adjustments for loan losses and expenses as identified in
the Merger Agreement.  Pursuant to the Merger  Agreement,  up to $2.0 million of
the promissory note may be paid at maturity in the form of Humboldt common stock
at the election of the holders of the promissory note.

     The cash used to  acquire  Global  Bancorp  was raised  through  the public
offering of $8 million of shares of common stock of Humboldt Bancorp and through
the  private  placement  of  approximately   $5.0  million  in  Trust  Preferred
securities issued by Humboldt Bancorp.

                                    SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

Dated: April 24, 2000                             HUMBOLDT BANCORP,
                                                  a California Corporation

                                                  /s/ Theodore Mason

                                                  Theodore Mason,
                                                  President