Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  INVESTORS OF AMERICA LIMITED PARTNERSHIP
 2. Date of Event Requiring Statement (Month/Day/Year)
05/25/2004		 3. Issuer Name and Ticker or Trading Symbol
FIRST PACTRUST BANCORP INC [FPBT]
(Last)
(First)
(Middle)
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
_____ Officer (give title below) __X__ Other (specify below)
Member of 13(d) Group
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

,  		 6. Individual or Joint/Group Filing(Check Applicable Line)
___ Form filed by One Reporting Person
_X_ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 206,000
I
See Note 1
Common Stock 268,000
I
See Note 2
Common Stock 43,680
I
See Note 3
Common Stock 4,300
I
See Note 4

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
INVESTORS OF AMERICA LIMITED PARTNERSHIP

 		       Member of 13(d) Group
First Capital America, Inc.
135 NORTH MERAMEC
CLAYTON, MO 63105		       Member of 13(d) Group
DIERBERG JAMES F

 		       Member of 13(d) Group
Dierberg James Faron II
135 NORTH MERAMEC
CLAYTON, MO 63105		       Member of 13(d) Group

Signatures

James F. Dierberg, President of First Securities America, Inc., the General Partner of Investors of America Limited Partnership 06/29/2007
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
 
Remarks:
1) These securities are owned by Investors of America Limited Partnership ("Investors") and may be deemed to be indirectly owned by First Capital America, Inc. ("First Capital"), James F. Dierberg, Trustee of the James F. Dierberg Living Trust Dated  20/8/85 ("JFD Lvg Trust") and James F. Dierberg II ("JFDII").  Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and First Securities America, Inc. ("FSA"), the General Partner of Investors.  JFD II is the son of James F. Dierberg, the Trustee of JFD Lvg Trust.  First Capital,  Lvg Trust  and JFD II disclaim beneficial ownership of these securities.

2) These securities are owned by First Capital and may be deemed to be indirectly owned by Investors, JFD Lvg Trust and JFD II.  Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and FSA, the General Partner of Investors.  JFD II is the son of James F. Dierberg, the Trustee of JFD Lvg Trust.  Investors, JFD  Lvg Trust and JFD II disclaim beneficial ownership of these securities.

3) These securities are owned by JFD Lvg Trust and may be deemed to be indirectly owned by Investors, First Capital and JFD II.  Members of the Dierberg Family and the Dierberg Family Trusts are shareholders of First Capital and FSA, the General Partner of Investors.  JFD II is the son of James F. Dierberg, the Trustee of JFD Lvg Trust.  Investors, First Capital and JFD II disclaim beneficial ownership of these securities.

4) These securities are owned bay JFD II and may be deemed to be indirectly owed by Investors, First Capital and JFD Lvg Trust.  Members of the Dierberg Family and Dierberg Family Trusts are shareholders of First Capital and FSA, General Partner of Investors.  JFD II is the son of James F. Dierberg, the Trustee of JFD Lvg Trust;   Investors First Capital and JFD Lvg Trust disclaim beneficial ownership of these securities.

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