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) March 3, 2003

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

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


                          2998 Douglas Blvd., Suite 330
                           Roseville, California 95661
                                  916-783-3209
          (Address and telephone number of principal executive offices)


<PAGE>







Item 9.  Regulation FD Disclosure

     The purpose of this current  report on Form 8-K is to disclose the terms of
two  Trading  Plans  under SEC Rule  10b5-1 for  Theodore S. Mason and Steven R.
Mills.

                                    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: March 3, 2003                                    HUMBOLDT BANCORP,
                                                        a California Corporation


                                                        /s/Patrick J. Rusnak
                                                        ------------------------
                                                        Patrick J. Rusnak
                                                        Chief Financial Officer


<PAGE>
Exhibit Index

99.1     Rule 10b5-1 Trading Plan for Theodore S. Mason
99.2     Rule 10b5-1 Trading Plan for Steven R. Mills
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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) March 3, 2003

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

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

                          2998 Douglas Blvd., Suite 330
                           Roseville, California 95661
                                  916-783-3209
          (Address and telephone number of principal executive offices)
Item 9.  Regulation FD Disclosure

     The purpose of this current  report on Form 8-K is to disclose the terms of
two  Trading  Plans  under SEC Rule  10b5-1 for  Theodore S. Mason and Steven R.
Mills.

                                    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: March 3, 2003                                    HUMBOLDT BANCORP,
                                                        a California Corporation

                                                        /s/Patrick J. Rusnak
                                                        ------------------------
                                                        Patrick J. Rusnak
                                                        Chief Financial Officer
Exhibit Index

99.1     Rule 10b5-1 Trading Plan for Theodore S. Mason
99.2     Rule 10b5-1 Trading Plan for Steven R. Mills