UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No.7) MONTEREY BAY BANCORP, INC. (Name of Issuer) Common Stock, $.01 par value per share (Title of Class of Securities) 61239H107 (CUSIP Number) Mr. Marco Fossati AMERFINDIM S.A. Gradinata Forghee 2 Massagno, Switzerland 011-41-91-568916 (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) November 19, 2001 (Date of Event which Requires Filing of this Statement) If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of ss. 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box / /. --------------------------------- -------------------------------- CUSIP No. 61239H107 Page 2 of 4 Pages --------------------------------- -------------------------------- -------- ----------------------------------------------------------------------- 1 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON AmerFindim S.A. -------- ----------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) / / (b) /X/ -------- ----------------------------------------------------------------------- 3 SEC USE ONLY -------- ----------------------------------------------------------------------- 4 SOURCE OF FUNDS -------- ----------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) -------- ----------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION Switzerland ----------------------------------- ------- ------------------------------------ 7 SOLE VOTING POWER NUMBER OF 0 ------- ------------------------------------ SHARES BENEFICIALLY 8 SHARED VOTING POWER 0 OWNED BY EACH ------- ------------------------------------ 9 SOLE DISPOSITIVE POWER REPORTING 0 ------- ------------------------------------ PERSON WITH 10 SHARED DISPOSITIVE POWER 0 -------- ----------------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 0 -------- ----------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES / / -------- ----------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 0.0% -------- ----------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON CO -------- ----------------------------------------------------------------------- 2 This Amendment No. 7 is filed by AmerFindim S.A. ("AmerFindim") and amends the initial statement dated November 6, 1996, as amended by Amendments Nos. 1-6 thereto (the "Schedule 13D"), with respect to shares of common stock, $.01 par value (the "Shares"), of Monterey Bay Bancorp, Inc., a California corporation (the "Issuer"), whose principal executive offices are located at 567 Auto Center Drive, Watsonville, California 95076. The purpose of this Amendment No. 7 is to amend the Items of the Schedule 13D to which reference is made below and to add thereto the information set forth below under the appropriate Items. Unless otherwise indicated, all capitalized terms used herein but not defined herein shall have the same meaning as set forth in the Schedule 13D. ITEM 5. Interest in Securities of Issuer. (a) As a result of the disposition by AmerFindim of 312,100 Shares, AmerFindim no longer has beneficial ownership of any Shares. (c) During the past 60 days, none of AmerFindim or, to the best knowledge of AmerFindim, any of the executive officers and directors of AmerFindim set forth in Exhibit 2 to the Schedule 13D has effected any transactions in the Shares, except for the following: Person Date Amount of Shares Price per Share Description AmerFindim November 19, 2001 312,100 $13.2500 Market Sale (e) AmerFindim ceased to be the beneficial owner of more than five percent of the class of securities on November 19, 2001. 3 SIGNATURE After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. Dated: November 29, 2001 AMERFINDIM S.A. By: /s/ Marco Fossati ----------------------------------------- Name: Marco Fossati Title: President 4