content: <PAGE>
                           UNITED STATES
  
                   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):
  February 1, 1999
  
  
                     United Security Bancorporation
           (Exact Name of Registrant as Specified in Charter)
  
  
            Washington           0-18561            91-1259511
            ----------           -------            ----------
  (State or other jurisdiction   (Commission        (IRS
  Employer Identi-
          of incorporation)       File Number)       fication
  Number)
  
         9506 North Newport Highway, Spokane, Washington 99218-
  1200
         -----------------------------------------------------
  -----
              (Address of principal executive offices/Zip
  Code)
  
     Registrant's telephone number, including area code:
  (509) 467-6949
     ---------------------------------------------------------
  ----------
  
  
                                     1
   <PAGE>
                         UNITED SECURITY BANCORPORATION
  Item 2.  Acquisition or Disposition of Assets
  
  Effective February 1, 1999, United Security Bancorporation,
  Spokane, Washington (USBN) completed its pending merger with
  Bancwest Financial Corporation (BFC).  The Merger was
  accomplished pursuant to an Agreement and Plan of Merger
  dated November 10, 1998 (the Agreement).  The Agreement was
  included as Appendix A to the Joint Proxy
  Statement/Prospectus dated December 28, 1998, previously
  filed by USBN as part of its Registration Statement on Form
  S-4 with the Securities and Exchange Commission.
  
  Item 7.  Financial Statements and Exhibits
  
      (a)  Financial statements-the requisite historical financial
          Information was included with the Joint Proxy
          Statement/Prospectus dated December 28, 1998,
          previously filed by USBN as part of its
          Registration Statement on Form S-4 with the
          Securities and Exchange Commission.
  
      (b)  Pro forma financial information-the requisite pro forma
          Financial information was included with the Joint
          Proxy Statement/Prospectus dated December 28, 1998,
          previously filed by USBN as part of its
          Registration Statement on Form S-4 with the
          Securities and Exchange Commission.
  
       (c)  Exhibits:
  
          (99) Press Release issued by USBN, dated February 2,
  1999
  
  SIGNATURES
  
  Pursuant to the requirements of the Security Exchange Act of
  1934, the registrant has duly caused this report to be
  signed on its behalf by the undersigned thereunto duly
  authorized.
  
  Dated:  February 1, 1999
  
                       UNITED SECURITY BANCORPORATION
  
                       By:  /s/ Chad Galloway
                       ------------------------------
                       Name:    Chad Galloway
                       Title:   Vice President and Chief
  Financial Officer
  
                                      2
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metadata_filer: {"company-data": {"conformed-name": "UNITED SECURITY BANCORPORATION", "cik": "0000726990", "assigned-sic": "6022", "irs-number": "911259511", "state-of-incorporation": "WA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-18561", "film-number": "99523115"}, "business-address": {"street1": "9506 N NEWPORT HWY", "city": "SPOKANE", "state": "WA", "zip": "99218-1200", "phone": "5094676949"}, "mail-address": {"street1": "9506 N NEWPORT HWY", "city": "SPOKANE", "state": "WA", "zip": "99218-1200"}}
text: UNITED STATES
  
                   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):
  February 1, 1999
  
                     United Security Bancorporation
           (Exact Name of Registrant as Specified in Charter)
  
            Washington           0-18561            91-1259511
            ----------           -------            ----------
  (State or other jurisdiction   (Commission        (IRS
  Employer Identi-
          of incorporation)       File Number)       fication
  Number)
  
         9506 North Newport Highway, Spokane, Washington 99218-
  1200
         -----------------------------------------------------
  -----
              (Address of principal executive offices/Zip
  Code)
  
     Registrant's telephone number, including area code:
  (509) 467-6949
     ---------------------------------------------------------
  ----------
  
                                     1
  UNITED SECURITY BANCORPORATION
  Item 2.  Acquisition or Disposition of Assets
  
  Effective February 1, 1999, United Security Bancorporation,
  Spokane, Washington (USBN) completed its pending merger with
  Bancwest Financial Corporation (BFC).  The Merger was
  accomplished pursuant to an Agreement and Plan of Merger
  dated November 10, 1998 (the Agreement).  The Agreement was
  included as Appendix A to the Joint Proxy
  Statement/Prospectus dated December 28, 1998, previously
  filed by USBN as part of its Registration Statement on Form
  S-4 with the Securities and Exchange Commission.
  
  Item 7.  Financial Statements and Exhibits
  
      (a)  Financial statements-the requisite historical financial
          Information was included with the Joint Proxy
          Statement/Prospectus dated December 28, 1998,
          previously filed by USBN as part of its
          Registration Statement on Form S-4 with the
          Securities and Exchange Commission.
  
      (b)  Pro forma financial information-the requisite pro forma
          Financial information was included with the Joint
          Proxy Statement/Prospectus dated December 28, 1998,
          previously filed by USBN as part of its
          Registration Statement on Form S-4 with the
          Securities and Exchange Commission.
  
       (c)  Exhibits:
  
          (99) Press Release issued by USBN, dated February 2,
  1999
  
  SIGNATURES
  
  Pursuant to the requirements of the Security Exchange Act of
  1934, the registrant has duly caused this report to be
  signed on its behalf by the undersigned thereunto duly
  authorized.
  
  Dated:  February 1, 1999
  
                       UNITED SECURITY BANCORPORATION
  
                       By:  /s/ Chad Galloway
                       ------------------------------
                       Name:    Chad Galloway
                       Title:   Vice President and Chief
  Financial Officer
  
                                      2