-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 V37XP4L3D5QRke4O0BLkKhgHzpCR9Htq+LZ81tTlFct7nfbofPXMGZpOKTjpYaBB
 n6M0kBlkDQU7bDt2qQx5Iw==

<SEC-DOCUMENT>0000939057-02-000092.txt : 20020930
<SEC-HEADER>0000939057-02-000092.hdr.sgml : 20020930
<ACCEPTANCE-DATETIME>20020930111708
ACCESSION NUMBER:		0000939057-02-000092
CONFORMED SUBMISSION TYPE:	10-K/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20020630
FILED AS OF DATE:		20020930

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		10-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		02775785

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K/A
<SEQUENCE>1
<FILENAME>k-amd02.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 10-K/A
<TEXT>
<html>


<body>

<p align="center"><b><font size="2">This Registrant hereby amends this cover page
to its Annual Report on Form 10-K for the fiscal year ended June 30, 2002 to
correct the Commission File Number:</font></b></p>

<p align="center"><b><font size="2">UNITED STATES</font></b><br>
<b><font size="2">SECURITIES AND EXCHANGE COMMISSION</font></b><br>
<b><font size="2">Washington, D.C.&nbsp; 20549</font></b></p>

<FONT SIZE=2>

<B>

<table BORDER="0" WIDTH="737" style="border-width: 0; border-collapse:collapse" cellspacing="0" cellpadding="0" bordercolor="#111111">
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    <p ALIGN="CENTER"><font size="-1"><b>F</b></font><b><font SIZE="-1">ORM 10-K/A</font></b></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="28" height="24" valign="bottom">
    </font><b><font SIZE="-1">[X]</font></b></td>
    <td COLSPAN="3" style="border-style: none; border-width: medium" width="699" height="12" valign="bottom">
    <b>
    <font SIZE="-1">ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
    SECURITIES EXCHANGE ACT OF 1934</font></b></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="28" height="12" valign="bottom">
    </td>
    <td style="border-style: none; border-width: medium" width="289" height="12" valign="bottom">
    </font><font SIZE="-1">For the Fiscal Year Ended
    June 30, 2002</font></td>
    <td COLSPAN="2" style="border-style: none; border-width: medium" width="406" height="12" valign="bottom">
    <strong><font size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </font></strong></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="28" height="12" valign="bottom">
    </font><b><font SIZE="-1">[&nbsp; ]</font></b></td>
    <td COLSPAN="3" style="border-style: none; border-width: medium" width="699" height="12" valign="bottom">
    <b>
    <font SIZE="-1">TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
    SECURITIES EXCHANGE ACT OF 1934</font></b></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="28" height="12" valign="bottom">
    </td>
    <td COLSPAN="3" style="border-style: none; border-width: medium" width="699" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="727" height="12" valign="bottom" colspan="4">

    <p align="center"><font SIZE="-1">Commission File Number: 000-</font><font FACE="Times New Roman" SIZE="-1">28304</font></FONT></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" style="border-style: none; border-width: medium" width="731" height="12" valign="bottom">
    <p ALIGN="CENTER"><u><font size="-1">PROVIDENT FINANCIAL HOLDINGS, INC.</font></u></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="4" ALIGN="CENTER" style="border-style: none; border-width: medium" width="731" height="12">
    </font><font SIZE="-1">(Exact name of registrant as specified in its
    charter)</font></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="2" style="border-left-style:none; border-left-width:medium; border-right-style:none; border-right-width:medium; border-top-style:none; border-top-width:medium; border-bottom-style:solid; border-bottom-width:1" width="321" height="24" valign="bottom">
    </font><font size="-1">Delaware</font></td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="114" height="12" valign="bottom">
    </td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="288" height="12" valign="bottom">
    <u><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    33-0704889</font></u></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="2" style="border-left-style:none; border-left-width:medium; border-right-style:none; border-right-width:medium; border-bottom-style:none; border-bottom-width:medium" width="321" height="12" rowspan="2">
    </font><font SIZE="-1">(State or other jurisdiction of incorporation<br>
    or organization)</font></FONT></td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="114" height="12">
    </td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="288" height="12" rowspan="2">
    </font><font SIZE="-1">(I.R.S. Employer<br>
    I.D. Number)</font></FONT></td>
  </tr>
  <tr VALIGN="TOP">
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="114" height="24">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td style="border-style: none; border-width: medium" width="28" height="24">
    </td>
    <td COLSPAN="2" style="border-style: none; border-width: medium" width="407" height="24">
    </font><font size="2">&nbsp;</font></td>
    <td style="border-style: none; border-width: medium" width="288" height="24">
    </td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="2" style="border-style: none; border-width: medium" width="321" height="24" valign="bottom">
    <div style="border-bottom-style: solid; border-bottom-width: 1; padding-bottom: 1">
      <font size="2">3756 Central Avenue, Riverside, California</font></div>
    </td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="114" height="24" valign="bottom">
    &nbsp;</td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="288" height="24" valign="bottom">
    <u><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    92506</font></u></td>
  </tr>
  <tr VALIGN="TOP">
    <td COLSPAN="2" style="border-style: none; border-width: medium" width="321" height="24">
    </font><font SIZE="-1">(Address of principal executive offices)</font></td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="114" height="24">
    </td>
    <td ALIGN="RIGHT" style="border-style: none; border-width: medium" width="288" height="24">
    </font><font SIZE="-1">(Zip Code)</font></td>
  </tr>
</table>
</B>
<P ALIGN="JUSTIFY">Registrant's telephone number, including area code:&nbsp;&nbsp; <U>(909) 686-6060</P>
</U><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">Securities registered pursuant to Section 12(b) of the Act:&nbsp;&nbsp; <U>None</P>
</U><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">Securities registered pursuant to Section 12(g) of the Act:</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="center"><U>Common Stock, par value $.01 per share</u><br>
(Title of Class)</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  YES <U>  &nbsp;X&nbsp;  </U>    &nbsp;NO <U>     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     </U>.</P>
</FONT><FONT SIZE=1><P ALIGN="JUSTIFY"></P>
</FONT><FONT SIZE=2><P ALIGN="JUSTIFY">Indicate by check mark whether disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the Registrant's knowledge, in definitive proxy or other information statements incorporated by reference in Part III of this Form 10-K or any amendments to this Form 10-K. [  ]</P>
</FONT><FONT SIZE=1><P ALIGN="JUSTIFY"></P>
</FONT><FONT SIZE=2><P ALIGN="JUSTIFY">As of September 20, 2002, there were issued and outstanding 5,221,057 shares of the Registrant's common stock. The Registrant's common stock is listed on the Nasdaq Stock Market under the symbol "PROV."  The aggregate market value of the common stock held by nonaffiliates of the Registrant, based on the closing sales price of the Registrant's common stock as quoted on the Nasdaq Stock Market on September 20, 2002, was $129.2 million. All numbers presented in this report, which are associated with the number of shares, have been adjusted for the 3-for-2 stock split in the form of a 50% stock dividend, record date of June 25, 2002.</P>
</FONT><FONT SIZE=1><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;</P>
</FONT><FONT SIZE=2><P ALIGN="center">DOCUMENTS INCORPORATED BY REFERENCE</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">No documents are incorporated by reference.</P>
<P ALIGN="JUSTIFY">&lt;PAGE&gt;</P>
<P ALIGN="JUSTIFY">&nbsp;</P>
<P ALIGN="center"><B>SIGNATURES</P>
</B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the requirements of section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this
amended report to be signed on its behalf by the undersigned, thereunto duly authorized.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provident Financial Holdings, Inc.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>/s/Donavon
P. Ternes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><br>
Date:  September 27, 2002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Donavon P. Ternes<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    Chief
Financial Officer<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Duly Authorized Representative)</P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P>
<P align="center">&nbsp;</P>
<P>&lt;PAGE&gt;</P>
</FONT>

</body>

</html>

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
