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<SEC-DOCUMENT>0000939057-02-000120.txt : 20021211
<SEC-HEADER>0000939057-02-000120.hdr.sgml : 20021211
<ACCEPTANCE-DATETIME>20021211135847
ACCESSION NUMBER:		0000939057-02-000120
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20021210
FILED AS OF DATE:		20021211

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BRUNNER LILIAN
		CENTRAL INDEX KEY:			0001180899
		RELATIONSHIP:				OFFICER

	FILING VALUES:
		FORM TYPE:		4

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9097826188

SUBJECT COMPANY:	

	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:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		02854530

	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>4
<SEQUENCE>1
<FILENAME>fm4a.htm
<DESCRIPTION>LILIAN BRUNNER FORM 4
<TEXT>
<HTML>

<TABLE BORDER="0" WIDTH="725" style="border-width: 1; ; border-collapse:collapse" bordercolorlight="#000000" bordercolordark="#000000" bordercolor="#111111" cellpadding="0" cellspacing="0">
<TR VALIGN="TOP">
  <TD ALIGN="CENTER" style="border-style: none; border-width: medium" width="134">
  <div style="border-style: solid; border-width: 1; padding-left: 4; padding-right: 4; padding-top: 1; padding-bottom: 1">
    <FONT SIZE="+2">FORM 4</FONT></div>
  </TD>
<TD ALIGN="CENTER" VALIGN="middle" style="border-left-style: none; border-left-width: medium" width="424"><FONT SIZE="-1">UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549</FONT></TD>
<TD ALIGN="CENTER" VALIGN="middle" style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-top-style: solid; border-top-width: 1; border-bottom-style: none; border-bottom-width: medium" width="147">
<div style="border-bottom-style: solid; border-bottom-width: 1; padding-bottom: 1">
  <FONT SIZE="-1">OMB APPROVAL</FONT></div>
  </TD></TR>
<TR VALIGN="TOP">
  <TD style="border-top-style: none; border-top-width: medium" width="136"><FONT SIZE="-2">
  [ ] Check box if no longer subject </FONT></TD>
<TD width="425"><font size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font></TD>
<TD style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-top-style: none; border-top-width: medium; border-bottom-style: none; border-bottom-width: medium" width="147"></FONT>
<FONT SIZE="1">OMB Number: 3235-0287</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="136"><font size="1">to Section 16.&nbsp; Form 4 or Form</font></TD>
<TD ALIGN="CENTER" width="425"><FONT SIZE="1">STATEMENT OF CHANGES IN BENEFICIAL
OWNERSHIP</FONT></TD>
<TD style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-top-style: none; border-top-width: medium; border-bottom-style: none; border-bottom-width: medium" width="147">
<FONT SIZE="1">Expires: January 31, 2005</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="136"><FONT SIZE="-2">     5 obligations may
  continue.&nbsp; See Instruction 1(b)</FONT></TD>
<TD width="425">&nbsp;</TD>
<TD style="border-left-style: solid; border-left-width: 1; border-right-style: solid; border-right-width: 1; border-top-style: none; border-top-width: medium; border-bottom-style: solid; border-bottom-width: 1" width="147"></FONT>
<FONT SIZE="1">Estimated average burden hours per
response....................0.5</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="136">&nbsp;</TD>
<TD width="425" style="border-right-style: none; border-right-width: medium">&nbsp;</TD>
<TD 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="147"></FONT></TD></TR>
<TR VALIGN="TOP"><TD width="136"></FONT><font size="-2">(Print or Type
  Responses)</font></TD>
<TD ALIGN="CENTER" width="426" style="border-right-style: none; border-right-width: medium"><FONT SIZE="-2">Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, <br> Section 17(a) of the Public Utility</FONT></TD>
<TD style="border-style:none; border-width:medium; " width="149">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="136"></FONT></TD>
<TD ALIGN="CENTER" width="426" style="border-right-style: none; border-right-width: medium"><FONT SIZE="-2">Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940</FONT></TD>
<TD width="149" style="border-style: none; border-width: medium">&nbsp;</TD></TR></TABLE>
</P>
<BR WP="BR2">
<TABLE BORDER="1" WIDTH="726" bordercolorlight="#000000" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0" bordercolordark="#000000" height="375">
<TR VALIGN="TOP"><TD width="209" height="47"></FONT><FONT SIZE="-2">1.  Name and Address of Reporting Person*</FONT><font size="1"> <br>
<BR WP="BR2">Brunner, Lilian</font></TD>
<TD COLSPAN="6" width="322" height="47"><FONT SIZE="-2">2.  Issuer Name and Ticker or Trading Symbol</FONT><p>
<font size="1">Provident Financial Holdings, Inc. &quot;PROV&quot;</font></TD>
<TD COLSPAN="4" ROWSPAN="2" width="212" height="96">
<p align="center"><FONT SIZE="-2">6.  Relationship of Reporting Person(s) to Issuer (Check all applicable)</FONT></p>

<P align="left"><FONT SIZE="-2">      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;      &nbsp;      <U>
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;  </U>
&nbsp;Director&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                 <U>        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;        </U> 10% Owner<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;
<u>&nbsp;&nbsp;X&nbsp;&nbsp; </u>&nbsp;Officer (give title&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u>Other (specify<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;                              below)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                         below)<br>                               &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<u>&nbsp;&nbsp;&nbsp;&nbsp; Senior Vice President  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</u></FONT></TD>
</TR>
<TR VALIGN="TOP"><TD width="209" height="48"><FONT SIZE="-2">(Last)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (First)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Middle)</FONT></P>

  <font size="1">

<BR WP="BR1">3756 Central Avenue</font></TD>
<TD COLSPAN="3" ROWSPAN="2" width="138" height="109"><FONT SIZE="-2">3.  IRS Identification
Number of Reporting
Person, if an entity (voluntary)</FONT></TD>
<TD COLSPAN="3" width="178" height="48"><FONT SIZE="-2">4.  Statement for Month/Day/Year</FONT><P align="center">
<FONT SIZE="1">                December 10, 2002</FONT></TD>
</TD>
</TR>
<TR VALIGN="TOP"><TD width="209" height="60"><FONT SIZE="-2">                                      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                                      (Street)</FONT></P>

  <font size="1">

<BR WP="BR1"><br>Riverside, CA&nbsp; 92506</font></TD>
</TD>
<TD COLSPAN="3" width="178" height="60"><FONT SIZE="-2">5.  If Amendment, Date of Original
(Month/Year)</FONT></P>
</TD>
<TD COLSPAN="4" width="212" height="60">
<p align="left"><FONT SIZE="-2">&nbsp; 7.  Individual or Joint/Group Reporting <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (check applicable line)<U><br>  </U> &nbsp;&nbsp;&nbsp; <U>XX  </U> Form Filed by One Reporting Person <br>
&nbsp;&nbsp;&nbsp;
<u>&nbsp; &nbsp;&nbsp;&nbsp; </u>Form Filed by More than One Reporting<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Person</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="209" height="12"><FONT SIZE="-2">(City)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                  (State)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;                       (Zip)</FONT></TD>
<TD COLSPAN="9" width="485" height="12"><FONT SIZE="-2">
<P ALIGN="CENTER"></FONT><FONT SIZE="1"><STRONG>Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned</STRONG></FONT></TD></TR>
<TR VALIGN="TOP"><TD ROWSPAN="2" width="209" height="84"><FONT SIZE="-2">1.  Title of Security
  (Instr. 3)</FONT></TD>
<TD ROWSPAN="2" width="55" height="84"><FONT SIZE="-2">2.  Trans-action Date (Month/Day/ Year)</FONT></TD>
<TD width="77" height="56"><font size="1">2A.&nbsp; Deemed Execution Date, if any (Month/<br>
Day/Year)</font></TD>
<TD width="77" colspan="2" height="56"><FONT SIZE="-2">3.  Trans-action
Code
(Instr. 8)</FONT></TD>
<TD COLSPAN="3" width="178" height="56"><FONT SIZE="-2">4.  Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)</FONT></TD>
<TD ROWSPAN="2" width="85" height="84"><FONT SIZE="-2">5.  Amount of Securities
Beneficially Owned Following Reported Transaction (s)&nbsp; (Instr. 3 and 4)</FONT></TD>
<TD ROWSPAN="2" width="55" height="84"><FONT SIZE="-2">6. Ownership Form:
Direct (D) or
Indirect (I)
(Instr. 4)</FONT></TD>
<TD ROWSPAN="2" width="60" height="84"><FONT SIZE="-2">7.  Nature of
Indirect
Beneficial
Ownership
(Instr. 4)</FONT></TD></TR>
<TR VALIGN="TOP"></TD>
</TD>
</TD>
<TD width="35" align="center" valign="bottom" height="27">&nbsp;</TD>
<TD width="35" align="center" valign="bottom" height="27"><font size="-2">Code</font></TD>
<TD width="42" align="center" valign="bottom" height="27"><font size="-2">V</font></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="54" height="27"><FONT SIZE="-2">Amount</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="37" height="27"><FONT SIZE="-2">(A) or
(D)</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="75" height="27"><FONT SIZE="-2">Price</FONT></TD>
</TD>
</TD>
</TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">Common Stock,
  Par Value $0.01</font></TD>
<TD width="55" align="center" height="19" valign="bottom"><font size="1">
12/10/02</font></TD>
<TD width="35" align="center" height="19" valign="bottom">&nbsp;</TD>
<TD width="35" align="center" height="19" valign="bottom"><font size="1">M</font></TD>
<TD width="42" align="center" height="19" valign="bottom">&nbsp;</TD>
<TD width="54" align="center" height="19" valign="bottom"><font size="1">2,000</font></TD>
<TD width="37" align="center" height="19" valign="bottom"><font size="1">A</font></TD>
<TD width="75" align="center" height="19" valign="bottom"><font size="1">$10.17</font></TD>
<TD width="85" align="center" height="19" valign="bottom"><font size="1">13,874
*</font></TD>
<TD width="55" align="center" height="19" valign="bottom"><font size="1">D</font></TD>
<TD width="60" height="19" valign="bottom">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">
  Common Stock, Par Value $0.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="55" height="19" valign="bottom" align="center"><font size="1">
12/10/02</font></TD>
<TD width="35" height="19" valign="bottom" align="center">&nbsp;</TD>
<TD width="35" height="19" valign="bottom" align="center"><font size="1">S</font></TD>
<TD width="42" height="19" valign="bottom" align="center">&nbsp;</TD>
<TD width="54" height="19" valign="bottom" align="center"><font size="1">2,000</font></TD>
<TD width="37" height="19" valign="bottom" align="center"><font size="1">D</font></TD>
<TD width="75" height="19" valign="bottom" align="center"><font size="1">$26.25</font></TD>
<TD width="85" height="19" valign="bottom" align="center"><font size="1">11,874
*</font></TD>
<TD width="55" height="19" valign="bottom" align="center"><font size="1">D</font></TD>
<TD width="60" height="19" valign="bottom">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">&nbsp;
  </font> </TD>
<TD width="55" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="35" height="19" valign="bottom" align="center">&nbsp;</TD>
<TD width="35" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="42" height="19" valign="bottom" align="center">&nbsp;</TD>
<TD width="54" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="37" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="75" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="85" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="55" height="19" valign="bottom" align="center"><font size="1">&nbsp;
</font> </TD>
<TD width="60" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="35" height="19" valign="bottom">&nbsp;</TD>
<TD width="35" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" height="19" valign="bottom">&nbsp;</TD>
<TD width="54" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="37" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="75" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="85" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="60" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="35" height="19" valign="bottom">&nbsp;</TD>
<TD width="35" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" height="19" valign="bottom">&nbsp;</TD>
<TD width="54" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="37" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="75" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="85" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="60" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="209" height="19" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="35" height="19" valign="bottom">&nbsp;</TD>
<TD width="35" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" height="19" valign="bottom">&nbsp;</TD>
<TD width="54" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="37" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="75" height="19" valign="bottom"><font size="1">&nbsp;&nbsp; </font> </TD>
<TD width="85" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="55" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="60" height="19" valign="bottom"><font size="1">&nbsp; </font> </TD></TR></TABLE>
</P>
<p><font size="1">Reminder:&nbsp; Report on a separate line for each class
of securities beneficially owned directly or indirectly.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Over)<br></font>
<font size="1">*If the form is filed by more than one reporting person, see
Instruction 4(b)(v).&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SEC 1474 (3-99)<br></font>
<font size="1">Potential persons who are to respond to
the collection of information contained in this form are not required</font>
<font size="1">to respond unless the form displays
a currently valid OMB control number.</font><br>
<p><font size="2">&lt;PAGE&gt;</font><BR WP="BR2">
<BR WP="BR1"><BR WP="BR2">
<BR WP="BR1"><BR WP="BR2">
</p>
<P align="left"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT>
<FONT SIZE="2">FORM 4 (continued)&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned</FONT><br>
<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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (e.g., puts, calls, warrants, options, convertible securities)</FONT></P>

<TABLE BORDER="1" WIDTH="733" bordercolorlight="#000000" bordercolordark="#000000" style="border-collapse: collapse" bordercolor="#111111" cellpadding="0" cellspacing="0">
<TR VALIGN="TOP"><TD ROWSPAN="2" width="90"><FONT SIZE="-2">1.  Title of
Derivative Security
(Instr. 3)</FONT></TD>
<TD ROWSPAN="2" width="51"><FONT SIZE="-2">2. Con-version or
Exercise
Price of
Derivative
Security</FONT></TD>
<TD ROWSPAN="2" width="41"><FONT SIZE="-2">3. Trans-action
Date (Month/ Day/Year)</FONT></TD>
<TD width="54"><font size="1">3A.&nbsp;Deemed Execution Date (Month/<br>
Day/Year)</font></TD>
<TD width="54" colspan="2"><FONT SIZE="-2">4.  Trans-action
Code
(Instr. 8)</FONT></TD>
<TD COLSPAN="2" width="70"><FONT SIZE="-2">5. Number of Derivative Securities Acquired (A) or Disposed
of (D) (Instr.3, 4, and
5) </FONT></TD>
<TD COLSPAN="2" width="102"><FONT SIZE="-2">6.  Date Exercisable and Expiration
Date (Month/Day/Year)</FONT></TD>
<TD COLSPAN="2" width="94"><FONT SIZE="-2">7.  Title and Amount of
Underlying Securities
(Instr. 3 and 4)</FONT></TD>
<TD ROWSPAN="2" width="42"><FONT SIZE="-2">8. Price of Derivative
Security
(Instr. 5)</FONT></TD>
<TD ROWSPAN="2" width="45"><FONT SIZE="-2">9. Number of
Deriva-tive Se-curities Benefici- ally Owned Following Reported Trans-action(s)&nbsp; (Instr.
4)</FONT></TD>
<TD ROWSPAN="2" width="47"><FONT SIZE="-2">10.
Owner-ship Form of
Deri-vative Security:
Direct
(D) or
Indirect
(I) (Instr. 4)</FONT></TD>
<TD ROWSPAN="2" width="42"><FONT SIZE="-2">11.
Nature of
Indirect
Beneficial
Ownership
(Instr. 4 )</FONT></TD></TR>
<TR VALIGN="TOP"></TD>
</TD>
</TD>
</TD>
<TD width="27" align="center" valign="bottom">&nbsp;</TD>
<TD width="27" align="center" valign="bottom"><font size="-2">Code</font></TD>
<TD width="27" align="center" valign="bottom"><font size="-2">V</font></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="31"><FONT SIZE="-2">(A)</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="33"><FONT SIZE="-2">(D)</FONT></TD>
<TD VALIGN="BOTTOM" width="47"><FONT SIZE="-2">Date
Exer-cisable</FONT></TD>
<TD VALIGN="BOTTOM" width="49"><FONT SIZE="-2">Expiration
Date</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" width="40"><FONT SIZE="-2">Title</FONT></TD>
<TD VALIGN="BOTTOM" width="48"><FONT SIZE="-2">Amount or Number of
Shares</FONT></TD>
</TD>
</TD>
</TD>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="90"><font size="1">Option to Buy Common Stock</font></TD>
<TD width="51" align="center"><font size="1">$10.17</font></TD>
<TD width="41" align="center"><font size="1">12/10/02</font></TD>
<TD width="27" align="center">&nbsp;</TD>
<TD width="27" align="center"><font size="1">M</font></TD>
<TD width="27" align="center">&nbsp;</TD>
<TD width="31" align="center">&nbsp;</TD>
<TD width="33" align="center"><font size="1">2,000</font></TD>
<TD width="47" align="center"><font size="1">**</font></TD>
<TD width="49" align="center"><font size="1">**</font></TD>
<TD width="40" align="center"><font size="1">Common Stock</font></TD>
<TD width="48" align="center"><font size="1">2,000</font></TD>
<TD width="42" align="center"><font size="1">N/A</font></TD>
<TD width="45" align="center"><font size="1">28,000</font></TD>
<TD width="47" align="center"><font size="1">D</font></TD>
<TD width="42" align="center">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="90" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  </font> </TD>
<TD width="51" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="41" valign="bottom"><font size="1">&nbsp;&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="27" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="31" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="33" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="49" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="40" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="48" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="45" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="90" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="51" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="41" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="27" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="31" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="33" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="49" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="40" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="48" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="45" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="90" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="51" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="41" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="27" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="31" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="33" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="49" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="40" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="48" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="45" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="90" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="51" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="41" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="27" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="31" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="33" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="49" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="40" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="48" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="45" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD width="90" valign="bottom"><font size="1">&nbsp;&nbsp;
  </font> </TD>
<TD width="51" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="41" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="27" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="27" valign="bottom">&nbsp;</TD>
<TD width="31" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="33" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="49" valign="bottom"><font size="1">&nbsp;&nbsp;&nbsp; </font> </TD>
<TD width="40" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="48" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="45" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="47" valign="bottom"><font size="1">&nbsp; </font> </TD>
<TD width="42" valign="bottom"><font size="1">&nbsp; </font> </TD></TR>
</TABLE>

<P></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2"></FONT><FONT SIZE="-2">Explanation of Responses:</FONT></P>

<P><font size="-2">*&nbsp;&nbsp;&nbsp; The amount of the securities beneficially
owned includes the restricted common stock award under Provident's Management
Recognition Plan.&nbsp; The award vests ratably over a five-year period.</font></P>

<P><font size="1">**&nbsp;&nbsp;&nbsp; Ms. Brunner was granted 30,000 options to
acquire 30,000 shares of common stock under Provident's 1996 Stock Option Plan.&nbsp;
The grants vest ratably over a five-year period, and carry a weighted-average
exercise price of $12.84 per share.&nbsp; The grants expire ten years from the
date of the grant.</font><P><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;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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><font size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>/s/Lilian
Brunner&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12/10/2002 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</u><br>
</font>
<FONT SIZE="-2">**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**&nbsp; Signature of Reporting Person&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Date <br>&nbsp;&nbsp;&nbsp;&nbsp;See
18 U.S.C. 1001 and 15 U.S.C. 78ff(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>
<P><FONT SIZE="-2">Note: 	File three copies of this Form, one of which must be manually signed.</FONT><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT SIZE="-2">	If space provided is insufficient, see Instruction 6 for procedure</FONT></P>

<P><FONT SIZE="-2">Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.</FONT></P>

<P ALIGN="RIGHT"><FONT SIZE="2">Page 2 </FONT></P>

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