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<SEC-DOCUMENT>0000950148-02-001482.txt : 20020603
<SEC-HEADER>0000950148-02-001482.hdr.sgml : 20020603
<ACCEPTANCE-DATETIME>20020531214351
ACCESSION NUMBER:		0000950148-02-001482
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20020603
GROUP MEMBERS:		ENDICOTT MANAGEMENT CO.
GROUP MEMBERS:		ENDICOTT OFFSHORE INVESTORS, LTD.
GROUP MEMBERS:		ENDICOTT PARTNERS II, L.P.
GROUP MEMBERS:		ENDICOTT PARTNERS, L.P.
GROUP MEMBERS:		GENE F. GAINES
GROUP MEMBERS:		JAM MANAGERS, L.L.C.
GROUP MEMBERS:		JAM PARTNERS, L.P.
GROUP MEMBERS:		JAM SPECIAL OPPORTUNITIES FUND, L.P.
GROUP MEMBERS:		ROBERT I. USDAN
GROUP MEMBERS:		W.R. ENDICOTT, L.L.C.
GROUP MEMBERS:		WAYNE K. GOLDSTEIN

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JACOBS SY
		CENTRAL INDEX KEY:			0001166408

	FILING VALUES:
		FORM TYPE:		SC 13D

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIFTH AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10003

	MAIL ADDRESS:	
		STREET 1:		ONE FIFTH AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10003

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:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-49970
		FILM NUMBER:		02668407

	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>SC 13D
<SEQUENCE>1
<FILENAME>v82140sc13d.htm
<DESCRIPTION>SCHEDULE 13D
<TEXT>
<HTML>
<HEAD>
<TITLE>Provident Financial Holdings, Inc., SC 13D</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="center"><FONT size="2"><B>SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</B><BR>
&nbsp;<BR>
<B>SCHEDULE 13D</B><BR>
&nbsp;<BR>
Under the Securities Exchange Act of 1934<BR>
(Amendment No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)*</FONT>

<P align="center"><FONT size="2">Provident Financial Holdings, Inc.
</FONT>
<HR width="60%" align="center" size="1" noshade>
<DIV align="center"><FONT size="2">(Name of Issuer)
</FONT></DIV>

<P align="center"><FONT size="2">Common Stock
</FONT>
<HR width="60%" align="center" size="1" noshade>
<DIV align="center"><FONT size="2">(Title of Class of Securities)
</FONT></DIV>

<P align="center"><FONT size="2">743868101
</FONT>
<HR width="60%" align="center" size="1" noshade>
<DIV align="center"><FONT size="2">(CUSIP Number)
</FONT></DIV>

<P align="center"><FONT size="2">S. Alan Rosen, Esq.<BR>
Horgan, Rosen, Beckham &#038; Coren, L.L.P.<BR>
23975 Park Sorrento, Suite&nbsp;200<BR>
Calabasas, California 91302<BR>
(818)&nbsp;591-2121
</FONT>
<HR width="60%" align="center" size="1" noshade>
<DIV align="center"><FONT size="2">(Name, Address and Telephone Number of Person<BR>
Authorized to Receive Notices and Communications)
</FONT></DIV>

<P align="center"><FONT size="2">May&nbsp;29, 2002
</FONT>
<HR width="60%" align="center" size="1" noshade>
<DIV align="center"><FONT size="2">(Date of Event which Requires Filing of this Statement)
</FONT></DIV>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the filing person has previously filed a statement on Schedule&nbsp;13G to
report the acquisition which is the subject of this Schedule&nbsp;13D, and is filing
this schedule because of
Rule&nbsp;13d-1(e), 13d-1(f) or 13d-1(g), check the following box &#091; &#093;.
</FONT>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="1%" nowrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
        <TD width="99%"></TD>
</TR>
<TR valign="top">
        <TD nowrap><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Note</I>. Schedules filed in paper format shall include a signed
original and five copies of the schedule, including all exhibits. See
Rule&nbsp;13d-7 for other parties to whom copies are to be sent.</FONT></TD>
</TR>
</TABLE>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="1%" nowrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
        <TD width="99%"></TD>
</TR>
<TR valign="top">
        <TD nowrap><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*The remainder of this cover page shall be filled out for a
reporting person&#146;s initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment containing
information which would alter disclosures provided in a prior cover page.</FONT></TD>
</TR>
</TABLE>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The information required on the remainder of this cover page shall not be
deemed to be &#147;filed&#148; for the purpose of Section&nbsp;18 of the Securities Exchange
Act of 1934 (&#147;Act&#148;) or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, <I>see</I>
the Notes).
</FONT>


<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 1 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Jam Partners, L.P.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">100,000</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">100,000</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 100,000</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 2.70%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): PN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>


<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 2 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
JAM Special Opportunities Fund, L.P.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">3,750</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">3,750</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 3,750</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 0.10%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): PN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 3 of 26</FONT>


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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
JAM Managers, L.L.C.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): NA</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">103,750</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">103,750</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 103,750</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 2.80%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): OO</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 4 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Sy Jacobs</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): PF</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: U.S.A.</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">6,250</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">103,750</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">6,250</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">103,750</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 110,000</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 2.97%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): IN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 5 of 26</FONT>


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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Endicott Partners, L.P.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">48,900</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">48,900</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 48,900</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 1.32%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): PN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 6 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Endicott Partners II, L.P.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">47,800</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">47,800</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 47,800</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 1.29%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): PN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 7 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Endicott Offshore Investors, Ltd.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of
Organization: British Virgin Islands</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">45,200</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">45,200</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 45,200</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 1.22%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): CO</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 8 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
W.R. Endicott, L.L.C.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): NA</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">96,700</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">96,700</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 96,700</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 2.61%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): OO</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 9 of 26</FONT>


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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Endicott Management Co.</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): WC</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: Delaware</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">15,200</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">15,200</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 15,200</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 0.41%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): CO</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 10 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Wayne K. Goldstein</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions):
NA</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of
Organization: U.S.A.</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">157,100</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">157,100</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 157,100</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 4.24%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): IN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 11 of 26</FONT>


<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Robert I. Usdan</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): NA</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: U.S.A.</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">157,100</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">157,100</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 157,100</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 4.24%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): IN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 12 of 26</FONT>


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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<P align="left"><FONT size="2">CUSIP No.&nbsp;743868101</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">1)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only):<BR>
Gene F. Gaines</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">2)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check the Appropriate Box if a Member of a Group (See Instructions)</FONT></TD>
</TR>
</TABLE>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; &#091;X&#093;
</FONT></DIV>

<DIV><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; &#091;&nbsp;&nbsp;&nbsp;&#093;
</FONT></DIV>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">3)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">SEC Use Only</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">4)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Source of Funds (See Instructions): PF</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">5)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if Disclosure of Legal Proceedings is Required Pursuant to Items
2(d) or 2(e) &#091;&nbsp;&nbsp;&nbsp;&#093;</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">6)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Citizenship or Place of Organization: U.S.A.</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<TABLE cellspacing="0" border="0" cellpadding="0" width="65%" align="left">
<TR>
        <TD width="20%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>

        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="68%">&nbsp;</TD>

        <TD width="5%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
</TR>
<TR valign="top">
        <TD nowrap rowspan="7"><FONT size="2">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each Reporting-<BR>
Person<BR>
With</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(7)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,000</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(8)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Voting Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(9)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Sole Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,000</FONT></TD>
</TR>

<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="6"><HR size="1" noshade></TD>
</TR>

<TR valign="top">
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">(10)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">Shared Dispositive Power</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0</FONT></TD>
</TR>
</TABLE>
<BR clear="all">

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">11)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Aggregate Amount Beneficially Owned by Each Reporting Person: 1,000</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">12)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Check if the Aggregate Amount in Row (11)&nbsp;Excludes Certain Shares &#091;&nbsp;&nbsp;&nbsp;&#093;<BR>
(See Instructions)</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">13)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Percent of Class&nbsp;Represented by Amount in Row (11): 0.03%</FONT></TD>
</TR>
<TR valign="top">
        <TD colspan="3">&nbsp;<BR>
        <HR size="1" noshade>
        &nbsp;</TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">14)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Type of Reporting Person (See Instructions): IN</FONT></TD>
</TR>
</TABLE>

<DIV>&nbsp;</DIV>
<HR size="1" noshade>

<DIV>&nbsp;</DIV>
<P align="center"><FONT size="2">Page 13 of 26
</FONT>

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<P><FONT size="2">Item&nbsp;1: Security and Issuer.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The class of equity securities to which this Schedule&nbsp;13D relates is the
$0.01 par value Common Stock (the &#147;Shares&#148;) of Provident Financial Holdings,
Inc., a Delaware corporation (the &#147;Issuer&#148;). The Issuer&#146;s Shares are traded on
the Nasdaq National Market System under the symbol &#147;PROV.&#148; The principal
executive offices of the Issuer are located at 3756 Central Avenue, Riverside,
California 92506.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;2: Identity &#038; Background.</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; Names of Filing Persons:
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Schedule&nbsp;13D is being jointly filed by each of the following persons
(hereinafter defined as: (i)&nbsp;the &#147;JAM Parties&#148;; (ii)&nbsp;the &#147;Endicott Parties&#148;;
and (iii)&nbsp;Mr.&nbsp;Gene F. Gaines (&#147;Mr.&nbsp;Gaines&#148;) (collectively, the &#147;Filing
Persons&#148;) pursuant to Rule&nbsp;13d-1(k)(1) promulgated by the Securities and
Exchange Commission pursuant to Section&nbsp;13 of the Securities Exchange Act of
1934, as amended (the &#147;Act&#148;):
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;The Jam Parties:
</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(A)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">JAM Partners, L.P., a Delaware limited partnership (&#147;JAM&#148;);</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(B)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">JAM Special Opportunities Fund, L.P., a Delaware limited partnership
(&#147;JAM SOF&#148;);</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(C)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">JAM Managers, L.L.C. a Delaware limited liability company (&#147;JAM MGR&#148;);
and</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(D)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Sy Jacobs (&#147;Mr.&nbsp;Jacobs&#148;), the General Partner of JAM and JAM SOF and the
Managing Member of JAM MGR.</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;The Endicott Parties:
</FONT>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(A)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Endicott Partners, L.P., a Delaware limited partnership (&#147;EPLP&#148;);</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(B)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Endicott Partners II, L.P., a Delaware limited partnership (&#147;EPII&#148;);</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(C)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Endicott Offshore Investors, Ltd., a British Virgin Islands international
business company (&#147;EOI&#148;);</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(D)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">W.R. Endicott, L.L.C., a Delaware limited liability company (&#147;WRE LLC&#148;)
and general partner of EPLP and EPII;</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(E)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Endicott Management Co., a Delaware corporation (&#147;Endicott Management&#148;)
and advisor to EPLP, EPII, EOI and two managed accounts;</FONT></TD>
</TR>
</TABLE>
<P align="center"><FONT size="2">Page 14 of 26
</FONT>

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<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(F)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Wayne K. Goldstein (&#147;Mr.&nbsp;Goldstein&#148;), a Managing Member of WRE LLC and
Co-President of Endicott Management; and</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
   <TD width="1%" align="right" nowrap><FONT size="2">(G)</FONT></TD>
   <TD width="1%" nowrap><FONT size="2">&nbsp;&nbsp;</FONT></TD>
   <TD width="98%"><FONT size="2">Robert I. Usdan (&#147;Mr.&nbsp;Usdan&#148;), a Managing Member of WRE LLC and
Co-President of Endicott Management.</FONT></TD>
</TR>
</TABLE>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Filing Persons have entered into a Joint Filing Agreement, dated as of
May&nbsp;29, 2002, a copy of which is filed with this Schedule&nbsp;13D as Exhibit&nbsp;A,
pursuant to which the Filing Persons have agreed to file this Statement jointly
in accordance with the provisions of Rule&nbsp;13d-1(k)(1) under the Act. The
Filing Persons have agreed to act as a group solely for the purposes of seeking
the election of Mr.&nbsp;Gaines and Mr.&nbsp;Jacobs to the Issuer&#146;s Board of Directors.
The Filing Persons do not believe that the Issuer&#146;s Board of Directors has
considered all opportunities to maximize shareholder value. Thus, the
solicitation of the nomination and election of Messrs.&nbsp;Gaines and Jacobs is
intended to cause the Issuer&#146;s Board of Directors to consider more dramatic
steps to maximize shareholder value rather than pursuing the current course of
mediocre financial performance, coupled with moderate buy-backs of the Shares.
(See letter to Management attached as Exhibit&nbsp;B.)
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; Residence or Business Address:
</FONT>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="10%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">JAM Parties:<BR>
One Fifth Avenue<BR>
New York, NY 10003</FONT></TD>
</TR>
</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="10%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">EPLP, EPLPII, WRE LLC, Endicott Management, Mr.&nbsp;Goldstein and Mr.&nbsp;Usdan:<BR>
237 Park Avenue, Suite&nbsp;801<BR>
New York, NY 10017</FONT></TD>
</TR>
</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="10%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">EOI:<BR>
c/o Trident Fund Services (B.V.I) Ltd.<BR>
Wickhams Cay<BR>
P.O. Box 146 Road Town<BR>
Tortola, British Virgin Islands</FONT></TD>
</TR>
</TABLE>
<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="10%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">Mr.&nbsp;Gene F. Gaines<BR>
1018 Second Street, Unit 1<BR>
Santa Monica, California 90403</FONT></TD>
</TR>
</TABLE>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp; Present principal occupation or employment and the name, principal
business and address of any corporation or other organization in which such
employment is conducted:
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;JAM and JAM SOF are limited partnerships formed for the purpose of
investing in, among other things, the equity securities of various financial
services providers. JAM MGR is a limited liability company and general partner
of JAM and JAM SOF. Mr.&nbsp;Jacobs is the Managing Member of JAM MGR. JAM, JAM
SOF, JAM MGR and Mr.&nbsp;Jacobs conduct their activities from One Fifth Avenue, New
York, New York 10003.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EPLP, EPII and EOI invest in, among other things, the equity securities of
various financial services providers. Endicott Management, in addition to
being the advisor to EPLP,
</FONT>
<P align="center"><FONT size="2">Page 15 of 26
</FONT>

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<P><FONT size="2">EPII and EOI, also manages two accounts which invests in, among other things,
financial service providers. WRE LLC is the General Partner of EPLP and EPII.
Messrs.&nbsp;Goldstein and Usdan are Co-Presidents of Endicott Management and
Managing Members of WRE LLC. EPLP, EPII, WRE LLC, Endicott Management, Mr.
Goldstein and Mr.&nbsp;Usdan conduct their activities from 237 Park Avenue, Suite
801, New York, New York 10017. EOI conducts its activities from Wichhams Cay,
Tortola, British Virgin Islands.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Gaines, an individual, is an investor for his personal account. Mr.
Gaines is formerly the Chief Executive Officer of First Professional Bank,
Santa Monica, California, and formerly Chairman of First Professional Bank&#146;s
holding company, Professional Bancorp, until its sale to First Community
Bancorp in 2001. Mr.&nbsp;Gaines is currently Executive Vice President and the
manager of the Private Banking Division at Pacific Western Bank, a subsidiary
of First Community Bancorp. Mr.&nbsp;Gaines operates from his home located at 1018
Second Street, Unit 1 Santa Monica, California 90403.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp; and (e)
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the last five years, none of the Filing Persons has been convicted
in a criminal proceeding(excluding traffic violations or similar misdemeanors),
nor have any such persons or entities been a party to any civil proceeding of a
judicial or administrative body of competent jurisdiction which resulted in a
judgment, decree or final order enjoining future violations of, or prohibiting
or mandating activities subject to, federal or state securities laws or a
finding of violation of any such laws.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp; Citizenship:
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;JAM, JAM SOF and JAM MGR are organized under Delaware law. Jacobs is a
citizen of the U.S.A.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EPLP, EPII, WRE LLC, and Endicott Management, are organized under Delaware
law. EOI is organized under the laws of the British Virgin Islands. Mr.
Goldstein and Mr.&nbsp;Usdan are citizens of the U.S.A.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Gaines is a citizen of the U.S.A.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;3: Source and Amount of Funds or Other Consideration</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the JAM Parties, the aggregate purchase price of the Shares covered by
this Statement was $2,323,283. Certain Shares were purchased in a margin
account in the ordinary course of business. For the Endicott Parties, the
aggregate purchase price of the Shares covered by this Statement was
$4,386,884. No borrowed funds were used to purchase these Shares. For Mr.
Gaines, the aggregate purchase price of the Shares covered by this Statement
was $31,450. No borrowed funds were used to purchase these Shares.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;4: Purpose of Transaction</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Shares that are the subject of this Schedule&nbsp;13D were acquired by the
Filing Persons for the purpose of investment. Depending upon investment
strategies, the need for or availability
</FONT>
<P align="center"><FONT size="2">Page 16 of 26
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<P><FONT size="2">of funds, the price of the Shares, and other considerations, each of the Filing
Persons may acquire additional Shares or dispose of some or all of their
respective Shares from time to time. The Filing Persons believe the Issuer&#146;s
Board of Directors has not considered all opportunities to maximize shareholder
value. (See Exhibit&nbsp;B.) To foster this outcome, the Filing Persons seek the
addition of Messrs.&nbsp;Gaines and Jacobs to serve on the Issuer&#146;s Board of
Directors in order to consider more dramatic steps to maximize shareholder
value, rather than the current independent course of mediocre financial
performance with moderate buy-backs of Shares. The Filing Persons have agreed
to form a group solely for these purposes. The Filing Persons seek the
addition of Messrs.&nbsp;Gaines and Jacobs to the Issuer&#146;s Board of Directors
through their nomination or, if necessary, by causing their election at the
Issuer&#146;s annual meeting of shareholders.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At present, except as disclosed above regarding the Filing Persons&#146;
intentions to change the composition of the Issuer&#146;s Board of Directors, the
Filing Persons have no specific plans or proposals that relate to, or could
result in, any of the matters referred to in paragraphs (a)&nbsp;through (c),
inclusive, and paragraphs (e)&nbsp;through (j), inclusive of this Item&nbsp;4 of this
Schedule&nbsp;13D. The Filing Persons intend to continue to explore the options
available to them. The Filing Persons may, at any time or from time to time,
review or reconsider their position with respect to the Issuer and may
formulate plans with respect to matters referred to in Item&nbsp;4 of Schedule&nbsp;13D.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;5: Interest in Securities of the Issuer</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; Based on Form&nbsp;10-Q filed by the Issuer, as of May&nbsp;10, 2002, the Issuer
had 3,707,171 Shares issued and outstanding. The following chart reflects the
ownership of the Shares by the Filing Persons:
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="56%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Name</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Numbers of Shares</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Percentage</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">JAM Parties</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">110,000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2.97</FONT></TD>
        <TD nowrap><FONT size="2">%</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Endicott Parties</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">157,100</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">4.24</FONT></TD>
        <TD nowrap><FONT size="2">%</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Mr.&nbsp;Gaines</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">0.03</FONT></TD>
        <TD nowrap><FONT size="2">%</FONT></TD>
</TR>
<TR>
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">&nbsp;</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><HR size="1" noshade></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><HR size="1" noshade></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">&nbsp;</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">268,100</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="right"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">7.23</FONT></TD>
        <TD nowrap><FONT size="2">%</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; With respect to the JAM Parties, JAM MGR has the power to vote or
direct the voting of and the power to dispose or to direct the disposition of
103,750 Shares of the Issuer&#146;s stock, and Mr.&nbsp;Jacobs has the power to vote or
direct the voting of and the power to dispose or to direct the disposition of
6,250 Shares of the Issuer&#146;s stock. Because Mr.&nbsp;Jacobs is the Managing Member
of JAM MGR, he may be deemed to have the indirect power to vote or direct the
vote and to dispose or direct the disposition of the Shares of the Issuer&#146;s
stock held by the JAM Parties that is the subject of this Schedule&nbsp;13D. Each
of Mr.&nbsp;Jacobs and JAM MGR disclaims beneficial ownership of shares of the
Issuer&#146;s stock held by the other Filing Persons.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EPLP, EPII, WRE LLC have the power to vote or direct the voting of and the
power to dispose or direct the disposition of 96,700 shares of the Issuer&#146;s
stock. Endicott Management has the power to vote or direct the voting of and
the power to dispose or direct the disposition of 15,200 Shares of the Issuer&#146;s
stock. Endicott Offshore Investors, Ltd. has the power to vote or direct the
voting of and the power to dispose or direct the disposition of 45,200 Shares
of the Issuer&#146;s stock. Because Messrs.&nbsp;Goldstein and Usdan are Co-Presidents
of Endicott
</FONT>
<P align="center"><FONT size="2">Page 17 of 26
</FONT>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P><FONT size="2">Management and Managing Members of WRE LLC, they may be deemed to have the
indirect power to vote and to dispose or direct the disposition of the Shares
the Issuer&#146;s stock held by the Endicott Parties. Messrs Goldstein and Usdan
disclaim beneficial ownership of Shares of the Issuer&#146;s stock held by the other
Filing Persons.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Gaines has the has the power to vote or direct the voting of and the
power to dispose or direct the disposition of 1,000 shares of the Issuer&#146;s
stock. Mr.&nbsp;Gaines disclaims beneficial ownership of Shares of the Issuer&#146;s
stock held by the other Filing Persons.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp; Purchases in the last 60&nbsp;days. See Exhibit&nbsp;C attached. The
transactions identified in Exhibit&nbsp;C were effected through one or more brokers
on the Nasdaq National Market.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp; No person other than the Filing Persons has the right to receive or
the power to direct the receipt of dividends from or the proceeds from the sale
of the Shares that are the subject of this Schedule&nbsp;13D.
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp; Not applicable.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;6: Contracts, Arrangements, Understandings or Relationships With Respect
to Securities of the Issuer</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth herein, none of the Filing Persons has any contract,
arrangement, understanding, or relationship (legal or otherwise) between or
among themselves and any person with respect to securities of the Issuer,
including but not limited to transfer or voting of any of the Shares of the
Issuer&#146;s stock that are the subject of this Schedule&nbsp;13D, finder&#146;s fees, joint
ventures, loan or option arrangements, puts or calls, guarantees of profits,
division of profits or losses, or the giving or withholding of proxies.
Certain of the Shares of the JAM Parties were purchased in a margin account in
the ordinary course of business.
</FONT>
<P align="left"><FONT size="2">Item&nbsp;7: Material to be Filed as Exhibits</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;A &#151; Joint Filing Agreement
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;B &#151; Letter to Management
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibit&nbsp;C &#151; Schedule of Purchases
</FONT>
<P align="center"><FONT size="2">Page 18 of 26
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<P align="center"><FONT size="2">SIGNATURES</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="33%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="62%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM PARTNERS, L.P.<BR>
By its General Partner<BR>
JAM MANAGERS, L.L.C.<BR></FONT></TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM SPECIAL OPPORTUNITIES FUND, L.P.<BR>
By its General Partner<BR>
JAM MANAGERS, L.L.C.<BR>
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM MANAGERS, L.L.C.<BR></FONT></TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT PARTNERS, L.P.<BR>
By its General Partner<BR>
W.R. ENDICOTT, L.L.C.<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT PARTNERS II, L.P.<BR>
By its General Partner<BR>
W.R. ENDICOTT, L.L.C.</FONT></TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein<BR>

Title: Managing Member</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 19 of 26
</FONT>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="33%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="62%">&nbsp;</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
W.R. ENDICOTT, L.L.C.<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT OFFSHORE INVESTORS, LTD.<BR>
By its Director<BR>
By: /s/ Robert I. Usdan</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Robert I. Usdan</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT MANAGEMENT CO.<BR>
By its Co-President<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Robert I. Usdan</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Robert I. Usdan</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;31, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Gene F. Gaines</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Gene F. Gaines</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 20 of 26
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(A)
<SEQUENCE>3
<FILENAME>v82140exv99wxay.htm
<DESCRIPTION>EXHIBIT A - JOINT FILING AGREEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>Provident Financial Holdings, Inc, SC 13D</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="right"><FONT size="2">EXHIBIT A</FONT>

<P align="center"><FONT size="2">AGREEMENT REGARDING THE JOINT FILING OF<BR>
SCHEDULE 13D</FONT>

<P align="left"><FONT size="2">The undersigned hereby agree as follows:</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp; Each of them is individually eligible to use the Schedule&nbsp;13D to which
this Exhibit is attached, and such Schedule&nbsp;13D is filed on behalf of each of
them; and
</FONT>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp; Each of them is responsible for the timely filing of such Schedule
13D and any amendments thereto, and for the completeness and accuracy of the
information concerning such person contained therein; but none of them is
responsible for the completeness or accuracy of the information concerning the
other persons making the filing, unless such person knows or has reason to
believe that such information is inaccurate.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="33%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="62%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM PARTNERS, L.P.<BR>
By its General Partner<BR>
JAM MANAGERS, L.L.C.<BR>
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM SPECIAL OPPORTUNITIES FUND, L.P.<BR>
By its General Partner<BR>
JAM MANAGERS, L.L.C.<BR>
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
JAM MANAGERS, L.L.C.<BR>
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Sy Jacobs</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Sy Jacobs</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT PARTNERS, L.P.<BR>
By its General Partner<BR>
W.R. ENDICOTT, L.L.C.<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein<BR>
Title: Managing Member</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 21 of 26
</FONT>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="33%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="62%">&nbsp;</TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT PARTNERS II, L.P.<BR>
By its General Partner<BR>
W.R. ENDICOTT, L.L.C.<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne k. Goldstein<BR>
Title: Managing Member</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
W.R. ENDICOTT, L.L.C.<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein<BR>
Title: Managing Member<BR></FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT OFFSHORE INVESTORS, LTD.<BR>
By its Director<BR>
By: /s/ Robert I. Usdan</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Robert I. Usdan</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
ENDICOTT MANAGEMENT CO.<BR>
By its Co-President<BR>
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Wayne K. Goldstein</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Wayne K. Goldstein</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Robert I. Usdan</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Robert I. Usdan</FONT></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">Dated: May&nbsp;29, 2002</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
By: /s/ Gene F. Gaines</FONT></TD>
</TR>
<TR>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Name: Gene F. Gaines</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 22 of 26
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(B)
<SEQUENCE>4
<FILENAME>v82140exv99wxby.htm
<DESCRIPTION>EXHIBIT 99.(B)- LETTER TO MANAGEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>Provident Financial Holdings, Inc., SC 13D</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="right"><FONT size="2">EXHIBIT B</FONT>

<P align="center"><FONT size="2">&#091;LETTER TO MANAGEMENT&#093;</FONT>

<P><FONT size="2">May&nbsp;29, 2002<BR><BR>
<BR><BR>
The Board of Directors<BR>
c/o Craig G. Blunden<BR>
Chairman of the Board<BR>
Provident Financial Holdings, Inc.<BR>
3756 Central Avenue<BR>
Riverside, CA 92506
</FONT>
<P align="left"><FONT size="2">Dear Members of the Board of Directors,</FONT>

<P><FONT size="2">I am writing to you representing a group of entities that together own more
than 7% of Provident Financial Holdings, Inc.&#146;s (&#147;Provident&#148;) shares
outstanding. The group includes myself, entities managed by JAM Managers,
L.L.C., of which I am the Managing Member, and entities managed by Endicott
Management Company. Craig Blunden, the CEO of Provident, is familiar with both
the principals of Endicott, Wayne Goldstein and Rob Usdan, and me. JAM has
been a shareholder of Provident Financial continuously since soon after
Provident&#146;s conversion to public ownership in 1996. Endicott has owned stock
for over two years. We have been patient investors in Provident for many years
and supportive of the company&#146;s efforts to increase profitability through
strategic and balance sheet initiatives. After considering many
issues-including the changing economic landscape, the company&#146;s financial
results and thrift valuations in both the stock and merger markets-we have
reached the conclusion that the strategic and balance sheet initiatives
executed by Provident&#146;s management have not fully enhanced the value of the
company. The quarter ending March&nbsp;31, 2002, demonstrates Provident&#146;s continuing
sub-par operating performance.
</FONT>
<P><FONT size="2">Provident has produced low levels of profitability since its conversion and has
not been able to achieve its stated goal of a minimum 10% return on
shareholders equity. In fact, operating ROE has never been higher than 9.5% for
any fiscal year and has averaged 6.9% in the past five years. The past two
years have provided near optimal economic and interest rate conditions for
thrifts nationwide with falling interest rates, a steep yield curve and a very
active mortgage market. Provident has not been able to take advantage of these
near perfect conditions which gives us concern as to the company&#146;s potential
performance as these conditions deteriorate.
</FONT>
<P><FONT size="2">While management can be faulted for much of the lackluster performance,
ultimate responsibility for oversight and attention to shareholder value rests
with Provident&#146;s board of directors. We firmly believe that the board should
consider more dramatic steps to maximize shareholder value than its current
independent course of mediocre financial performance with moderate share
buybacks. It does not appear that the board has considered all opportunities
to maximize shareholder value.
</FONT>
<P><FONT size="2">In light of our observations discussed above, and recognizing that
institutional shareholders such as ourselves own more than 50% of Provident&#146;s
shares outstanding, it seems appropriate for the composition of the board to
more directly reflect the ownership profile of the company. Accordingly, we
intend to
nominate to shareholders two candidates for the directors&#146; seats that become
available at this year&#146;s annual meeting. We feel this is the best way to make
our voice heard
</FONT>
<P align="center"><FONT size="2">Page 23 of 26
</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P><FONT size="2">about shareholder value matters and to make sure that the strategies being
implemented by management are in the best interests of all shareholders.
</FONT>
<P><FONT size="2">Our nominees, Gene Gaines and myself, are well qualified to add value to the
board and to represent shareholder interests adding to the board&#146;s breadth of
talent and perspective. I have worked as a research analyst and money manager
focusing on financial stocks for 18&nbsp;years. I recently ended my service as a
director of BYL Bancorp after we concluded our sale to First Banks of America.
I am currently a director of First Investors Financial Services; a Houston
based automobile finance company. Gene was CEO of First Professional Bank in
Santa Monica and Chairman of its holding company, Professional Bancorp until
its sale in 2001 to First Community Bancorp. He is currently an Executive Vice
President and manager of the Private Banking division at Pacific Western Bank,
a subsidiary of First Community Bancorp.
</FONT>
<P><FONT size="2">We would prefer to work with the board on a friendly basis, as has been the
case in my previous board memberships. An unfriendly proxy contest for the two
board seats that are up for election later this year is not in any of our best
interests. We hope you feel the same way, especially in light of the high
probability of our success given Provident&#146;s institutional ownership, which we
see as likely to vote for our candidates. Therefore, we welcome a discussion
regarding our election to the board in a friendly manner.
</FONT>
<P><FONT size="2">We will file a 13D statement with the Securities and Exchange Commission
shortly declaring the holdings of our group. Our hope is to resolve this
matter on a friendly and productive basis. We will take your silence as a sign
of unwillingness to work together on our request for board seats, and after
filing our 13D we will follow up with the necessary documentation for making
nominations for the annual meeting. We look forward to your response as a
constructive step towards increasing shareholder value for our company.
</FONT>
<P><FONT size="2">Sincerely,<BR><BR>
<BR><BR>
/s/ Sy Jacobs<BR>
Sy Jacobs<BR>
Managing Member<BR>
JAM Managers, L.L.C.<BR>
As General Partner for<BR>
JAM Partners, L.P.
</FONT>
<P align="center"><FONT size="2">Page 24 of 26
</FONT>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.(C)
<SEQUENCE>5
<FILENAME>v82140exv99wxcy.htm
<DESCRIPTION>EXHIBIT 99.(C)- SCHEDULE OF PURCHASES
<TEXT>
<HTML>
<HEAD>
<TITLE>Provident Financial Holdings, Inc., SC 13D</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="right"><FONT size="2">EXHIBIT C</FONT>

<P align="center"><FONT size="2">SCHEDULE OF PURCHASES</FONT>

<P><FONT size="2">JAM Partners, L.P. acquisitions of Provident Financial Holdings, Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="26%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/26/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">3,500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.67817</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">103,874</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/26/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">100</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.93000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2,993</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/29/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.08000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">15,040</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">6,750</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.13722</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">210,176</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/21/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">4,850</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06309</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">150,656</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P><FONT size="2">JAM Special Opportunities Fund, L.P. acquisitions of Provident Financial
Holdings, Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="27%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="13%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="8%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,200</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.15000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">37,380</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">550</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">17,083</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="left"><FONT size="2">SY Jacobs acquisitions of Provident Financial Holdings, Inc.</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="27%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="13%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="8%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,250</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06360</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">38,829</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P><FONT size="2">Endicott Partners, L.P. acquisitions of Provident Financial Holdings, Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="25%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="11%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/1/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">12,500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.61167</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">370,146</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">5,100</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.10990</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">158,660</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/20/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2,600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.05962</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">80,755</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/21/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.99000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">15,495</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01563</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">49,625</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/23/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">700</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01273</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">21,709</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P><FONT size="2">Endicott Partners II, L.P. acquisitions of Provident Financial Holdings, Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="25%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="11%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/1/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">9,400</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.61207</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">278,353</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/1/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">27,100</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.59000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">801,889</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/29/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.10000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">15,050</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">5,600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.10946</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">172,213</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/20/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2,400</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06042</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">74,545</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/21/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.99000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">18,594</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01667</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">46,525</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/23/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">700</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01273</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">21,709</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 25 of 26
</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P><FONT size="2">Endicott Offshore Investors, Ltd. acquisitions of Provident Financial Holdings,
Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="26%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">4/26/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">3,700</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">29.68075</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">109,819</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2,800</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.11393</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">87,119</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/20/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">2,300</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06087</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">71,440</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/21/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.99000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">18,594</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01667</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">46,525</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/23/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">600</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.01778</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">18,611</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P><FONT size="2">Endicott Endicott Management Co. acquisitions of Provident Financial Holdings,
Inc.
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="27%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="12%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="13%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="8%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/17/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,500</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.12167</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">46,683</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/20/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">700</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.08571</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">21,760</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/21/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">200</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">30.99000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">6,198</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/22/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">400</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.06250</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">12,425</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/23/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">200</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.07333</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">6,215</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
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<!-- link2 "Gene F. Gaines acquisitions of Provident Financial Holdings, Inc." -->
<P align="left"><FONT size="2">Gene F. Gaines acquisitions of Provident Financial Holdings, Inc.</FONT>

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<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">
<TR valign="bottom">
        <TD width="27%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="6%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
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        <TD width="1%">&nbsp;</TD>
        <TD width="9%">&nbsp;</TD>
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<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1">Date</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Shares(#)</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Price/Share</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center" colspan="3"><FONT size="1">Cost($)</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
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        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">5/29/02</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">1,000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31.45000</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">31,450</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
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</TABLE>
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<P align="center"><FONT size="2">Page 26 of 26</FONT>

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