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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000897069-02-000648.txt : 20020829
<SEC-HEADER>0000897069-02-000648.hdr.sgml : 20020829
<ACCEPTANCE-DATETIME>20020829153407
ACCESSION NUMBER:		0000897069-02-000648
CONFORMED SUBMISSION TYPE:	SC 13D/A
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20020829
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 II, L.L.C.
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/A

	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/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-49970
		FILM NUMBER:		02752707

	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/A
<SEQUENCE>1
<FILENAME>slp366.txt
<DESCRIPTION>SCHEDULE 13D AMENDMENT
<TEXT>
CUSIP No.  743868101                                          Page 1 of 33 Pages


                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                  SCHEDULE 13D


                    Under the Securities Exchange Act of 1934
                                (Amendment No. 1)


                       PROVIDENT FINANCIAL HOLDINGS, INC.
                                (Name of Issuer)

                     Common Stock, par value $0.01 per share
                         (Title of Class of Securities)


                                    743868101
                                 (CUSIP Number)

                              Mr. Phillip Goldberg
                                 Foley & Lardner
                                  One IBM Plaza
                                   Suite 3300
                             330 North Wabash Avenue
                             Chicago, IL 60611-3608
                                 (312) 755-1900
                  (Name, Address and Telephone Number of Person
                Authorized to Receive Notices and Communications)

                                 August 20, 2002
             (Date of Event which Requires Filing of this Statement)


If the filing person has previously filed a statement on Schedule 13G to report
the acquisition which is the subject of this Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box [ ].

<PAGE>
CUSIP No.  743868101                                          Page 2 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           JAM Partners, L.P.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC, OO
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]

- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       150,000
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      150,000
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 3 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           JAM Special Opportunities Fund, L.P.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC, OO
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       5,625
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      5,625
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 4 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           JAM Managers, L.L.C.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       155,625
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      155,625
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 5 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Seymour Jacobs
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           United States
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      9,375
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       155,625
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       9,375
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      155,625
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            IN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 6 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Endicott Partners, L.P.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       73,350
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      73,350
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 7 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Endicott Partners II, L.P.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       83,000
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      83,000
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   [ ]
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 8 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Endicott Offshore Investors, Ltd.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           British Virgin Islands
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       71,300
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      71,300
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   [ ]
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            CO
================================================================================

<PAGE>
CUSIP No.  743868101                                          Page 9 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           W.R. Endicott, L.L.C.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       73,350
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      73,350
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 10 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           W.R. Endicott II, L.L.C.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP           (a)   |X|
                                                                      (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       83,000
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      83,000
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            PN
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 11 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Endicott Management Co.
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP              (a) |X|
           2 pension plans have contracts with EMC; benefits to
           them; control by EMC                                          (b) [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           WC
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           Delaware
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       23,000
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      23,000
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            CO
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 12 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Wayne K. Goldstein
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3          SEC USE ONLY
- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           United States
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       250,650
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      250,650
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            IN
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 13 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON

           Robert I. Usdan
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3          SEC USE ONLY
- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           United States
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      0
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       250,650
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       0
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      250,650
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            IN
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 14 of 33 Pages

========== =====================================================================
  1        NAME OF REPORTING PERSON
           Gene F. Gaines
- ---------- ---------------------------------------------------------------------
  2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a)   |X|
                                                                       (b)   [ ]
- ---------- ---------------------------------------------------------------------
  3        SEC USE ONLY

- ---------- ---------------------------------------------------------------------
  4        SOURCE OF FUNDS

           PF
- ---------- ---------------------------------------------------------------------
  5        CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
           TO ITEMS 2(d) OR 2(e)                                             [ ]
- ---------- ---------------------------------------------------------------------
  6        CITIZENSHIP OR PLACE OF ORGANIZATION

           United States
- --------------------------- --------- ------------------------------------------
        NUMBER OF              7      SOLE VOTING POWER
          SHARES                      1,500
       BENEFICIALLY         --------- ------------------------------------------
         OWNED BY              8      SHARED VOTING POWER
           EACH                       0
        REPORTING           --------- ------------------------------------------
          PERSON               9      SOLE DISPOSITIVE POWER
           WITH                       1,500
                            --------- ------------------------------------------
                               10     SHARED DISPOSITIVE POWER
                                      0
- ----------- --------------------------------------------------------------------
11          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
            417,150
- ----------- --------------------------------------------------------------------
12          CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
            CERTAIN SHARES                                                   |X|
- ----------- --------------------------------------------------------------------
13          PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
            7.5%
- ----------- --------------------------------------------------------------------
14          TYPE OF REPORTING PERSON
            IN
================================================================================

<PAGE>
CUSIP No.  743868101                                         Page 15 of 33 Pages


Item 1.  Security and Issuer

         This Schedule 13D relates to the common stock, par value $0.01 per
share ("Common Stock") of Provident Financial Holdings, Inc. (the "Company" or
"Provident"). The address of the principal executive offices of the Company is
3756 Central Avenue, Riverside, California 92506. The joint filing agreement of
the members of the Group is attached as Exhibit 1.

Item 2.  Identity and Background

         This Schedule 13D is being jointly filed by each of the following
persons (collectively, the "Group" or the "Group Members"):

(a)-(c)

         (1)   The "Jam Parties":

               (A)   JAM Partners, L.P., a Delaware limited partnership ("JAM").
               (B)   JAM Special Opportunities Fund, L.P., a Delaware limited
                      partnership ("JAM SOF").
               (C)   JAM Managers, L.L.C. a Delaware limited liability company
                      ("JAM MGR").
               (D)   Seymour Jacobs ("Mr. Jacobs").

          (2)  The "Endicott Parties":

               (A)   Endicott Partners, L.P., a Delaware limited partnership
                      ("EPLP").
               (B)   Endicott Partners II, L.P., a Delaware limited partnership
                      ("EPLPII").
               (C)   Endicott Offshore Investors, Ltd., a British Virgin Islands
                      international business company ("EOI").
               (D)   W.R. Endicott, L.L.C., a Delaware limited liability company
                      ("WRE LLC").
               (E)   W.R. Endicott II, L.L.C., a Delaware limited liability
                      company ("WRE II LLC").
               (F)   Endicott Management Co., a Delaware corporation ("Endicott
                      Management").
               (G)   Wayne K. Goldstein ("Mr. Goldstein").
               (H)   Robert I. Usdan ("Mr. Usdan").

         (3)   Gene F. Gaines

         The Group Members have entered into a Joint Filing Agreement, a copy of
which is filed with this Schedule 13D as Exhibit 1.

               The business address of each Group Member is as follows:

               JAM, JAM SOF, JAM MGR and Mr. Jacobs:
                        One Fifth Avenue
                        New York, NY 10003
<PAGE>
CUSIP No.  743868101                                         Page 16 of 33 Pages

               EPLP, EPLPII, WRE LLC, WRE II LLC, Endicott Management,
               Mr. Goldstein and Mr. Usdan:
                        237 Park Avenue, Suite 801
                        New York, NY 10017

               EOI:
                        c/o Trident Fund Services (B.V.I) Ltd.
                        Wickhams Cay
                        P.O. Box 146 Road Town
                        Tortola, British Virgin Islands

               Mr. Gene F. Gaines:
                        1018 Second Street, Unit 1
                        Santa Monica, California 90403

         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. Jacobs is the sole Managing Member of JAM MGR.

         The business of EPLP, EPLPII and EOI is investment, in, among other
things, the equity securities of various financial services providers. Endicott
Management, in addition to being the advisor to EPLP, EPLPII and EOI, also
manages two accounts which invests in, among other things, financial service
providers. WRE LLC is the General Partner of EPLP. WRE II LLC is the General
Partner of EPLPII. Messrs. Goldstein and Usdan are Co-Presidents of Endicott
Management and Managing Members of WRE LLC and WRE II LLC.

         Mr. Gaines is an investor for his personal account. Mr. Gaines is
Executive Vice President and the manager of the Private Banking Division at
Pacific Western Bank, a subsidiary of First Community Bancorp.

         (d) During the past five years, no member of the Group has been
convicted in a criminal proceeding (excluding traffic violations or similar
misdemeanors).

         (e) During the past five years, no member of the Group has been a party
to a civil proceeding of a judicial or administrative body of competent
jurisdiction and, as a result of such proceeding was or is subject to a
judgment, decree or final order enjoining future violations of, or prohibiting
or mandating activities subject to, Federal or State securities laws or finding
any violation with respect to such laws.

         (f) All of the individuals who are members of the Group are citizens of
the United States.
<PAGE>
CUSIP No.  743868101                                         Page 17 of 33 Pages

Item 3.  Source and Amount of Funds or Other Consideration

         In aggregate, the Group owns 417,150 shares, equal to 7.5% of the
Common Stock of the Company.

         The amount of funds expended by JAM to acquire the 150,000 shares of
Common Stock it holds in its name is $2,218,220. The amount of funds expended by
JAM SOF to acquire 5,625 shares of Common Stock it holds in its name is
$105,063. The amount of funds expended by Mr. Jacobs to acquire the 9,375 shares
of Common Stock he holds in his name is $158,430. All of such funds were
provided from available capital and from time to time, in part by margin account
loans from NationsBanc Montgomery Securities, extended in the ordinary course of
business on that firm's usual terms and conditions. All or part of the shares of
Common Stock owned by any of the JAM Parties may from time to time be pledged as
collateral for loans made by such firm to the JAM Parties. Such loans generally
bear interest at a rate based upon the broker's call rate from time to time in
effect. Such indebtedness, if any, may be refinanced with other banks or
broker-dealers.

         The amount of funds expended by EPLP to acquire the 73,350 shares of
Common Stock it holds in its name is $1,358,174. Such funds were provided from
available capital. The amount of funds expended by EPLPII to acquire the 83,000
shares of Common Stock it holds in its name is $1,672,845. Such funds were
provided from available capital. The amount of funds expended by EOI to acquire
the 71,300 shares of Common Stock it holds in its name is $1,296,459. Such funds
were provided from available capital. The amount of funds expended by Endicott
Management to acquire the 23,000 shares of Common Stock it holds in its name is
$335,922. Such funds were provided from available capital.

         The amount of funds expended by Mr. Gaines to acquire the 1,000 shares
of Common Stock he holds in his name is $31,450. Such funds were provided from
his personal funds.

Item 4.  Purpose of Transaction

         The purpose of the acquisition of the shares of Common Stock by members
of the Group is to profit from appreciation in the market price of the Common
Stock through the assertion of shareholder rights and influencing the policies
of the Company.

         Members of the Group believe the Company's stock is undervalued.
Members of the Group believe the Company's Board of Directors has not considered
all opportunities to maximize shareholder value. The Group believes that the
Board of Directors should actively consider all necessary steps to maximize
shareholder value and that the current Board of Directors has not shown a
willingness to consider such steps, including more aggressive share repurchases,
increasing core profitability and a possible sale of the Company. Therefore,
members of the Group currently intend to seek the addition of Messrs. Gaines and
Jacobs to serve on the Company's Board of Directors, through their appointment
or nomination by the Company or, if necessary, by nominating them for election
at the Company's next annual meeting of stockholders.

         On May 29, 2002, Mr. Jacobs sent a letter to the Board of Directors of
the Company, expressing the Group's concerns and intentions. A copy of that
letter is attached as

<PAGE>
CUSIP No.  743868101                                         Page 18 of 33 Pages

Exhibit 2. On July 11, 2002, Mr. Jacobs sent a letter to the Board of Directors
of the Company, again expressing the Group's concerns and intentions. A copy of
that letter is attached as Exhibit 3. On August 16, 2002, Mr. Jacobs sent a
letter to the Company demanding access to and copies of the list of stockholders
and certain other stockholder materials of the Company. A copy of that letter is
attached as Exhibit 4. On August 20, 2002, the Chairman of the Board of
Directors of the Company sent a letter to Mr. Jacobs regarding the next annual
meeting of shareholders of the Company. A copy of that letter is attached as
Exhibit 5.

         Members of the Group may make further purchases or sales of shares of
Common Stock. Members of the Group may dispose of any or all the shares of
Common Stock held by them, although they have no current intention to do so. To
the extent the actions described herein may be deemed to constitute a "control
purpose" with respect to the Securities Exchange Act of 1934, as amended, and
the regulations thereunder, the Group has such a purpose. Except as noted in
this Schedule 13D, no member of the Group has any plans or proposals, which
relate to, or would result in, any of the matters referred to in paragraphs (b)
through (j), inclusive of Item (4) of Schedule 13D. Such individuals may, at any
time and from time to time, review or reconsider their positions and formulate
plans or proposals with respect thereto.

Item 5.  Interest in Securities of the Company

         The percentages used in this Schedule 13D are calculated based upon the
number of outstanding shares of Common Stock, 3,707,171, reported as the number
of outstanding shares as of May 10, 2002, on the Company's Quarterly Report on
Form 10-Q for the period ended March 31, 2002, adjusted to reflect a 3-for-2
stock split effective July 12, 2002, for a total number of outstanding shares of
5,560,756. All purchases and sales of Common Stock reported herein were made in
open market transactions on the Nasdaq National Market, except as otherwise
stated.

(A)      JAM Partners, L.P.

         (a)-(b)  See cover page.

         (c)   JAM has made no purchases or sales of Common Stock in the last 60
               days.

         (d)   Because Mr. Jacobs is the Managing Member of JAM MGR, he has the
               power to direct the affairs of JAM MGR.  JAM MGR has the power to
               direct the affairs of JAM, including the voting and disposition
               of shares of Common Stock held in the name of JAM.  Mr. Jacobs
               is also the General Partner of JAM. Therefore, Mr. Jacobs has
               voting and disposition power with regard to shares of Common
               Stock held in the name of JAM.

(B)      JAM Special Opportunities Fund, L.P.

         (a)-(b)  See cover page.

         (c)   JAM SOF has made no purchases or sales of Common Stock in the
               last 60 days.
<PAGE>
CUSIP No.  743868101                                         Page 19 of 33 Pages

         (d)   Because Mr. Jacobs is the Managing Member of JAM MGR, he has the
               power to direct the affairs of JAM MGR.  JAM MGR has the power to
               direct the affairs of JAM SOF, including the voting and
               disposition of shares of Common Stock held in the name of JAM
               SOF.  Mr. Jacobs is also the General Partner of JAM SOF.
               Therefore, Mr. Jacobs has voting and disposition power with
               regard to shares of Common Stock held in the name of JAM.

(C)      JAM Managers, L.L.C.

         (a)-(b)  See cover page.

         (c)   JAM MGR has made no purchases or sales of Common Stock in the
               last 60 days.

         (d)   Because Mr. Jacobs is the Managing Member of JAM MGR, he has the
               power to direct the affairs of JAM MGR.  Therefore, Mr. Jacobs
               has voting and disposition power with regard to shares of
               Common Stock held in the name of JAM MGR.

(D)      Seymour Jacobs

         (a)-(b)  See cover page.

         (c)   Mr. Jacobs has made no purchases or sales of Common Stock
               directly.

(E)      Endicott Partners, L.P.

         (a)-(b)  See cover page.

         (c)   EPLP has made no purchases or sales during the past 60 days.

         (d)   Mr. Goldstein and Mr. Usdan are each a Managing Member of WRE
               LLC.  WRE LLC is the general partner of EPLP.  Therefore, Mr.
               Goldstein and Mr. Usdan share the power to direct the affairs
               of WRE LLC.  WRE LLC has the power to vote or direct the affairs
               of EPLP, including the voting and disposition of shares of Common
               Stock held in the name of EPLP.  Therefore, Mr. Goldstein and
               Mr. Usdan share voting and disposition power with regard to
               shares of Common Stock held in the name of EPLP.

(E)      Endicott Partners II, L.P.

         (a)-(b)  See cover page.

         (c)   EPLPII has made the following purchases of Common Stock in the
               last 60 days.

- ---------------- -------------------- ----------------------- -----------------
      Date         Number of Shares     Price Per Share ($)     Total Cost ($)
- ---------------- -------------------- ----------------------- -----------------
    7/18/01              5,000                21.865                109,325
- ---------------- -------------------- ----------------------- -----------------
    7/25/02              6,300                21.054                132,640
- ---------------- -------------------- ----------------------- -----------------
<PAGE>
CUSIP No.  743868101                                         Page 20 of 33 Pages

         (d)   Mr. Goldstein and Mr. Usdan are each a Managing Member of WRE II
               LLC.  WRE II LLC is the general partner of EPLPII.  Therefore,
               Mr. Goldstein and Mr. Usdan share the power to direct the affairs
               of WRE II LLC.  WRE II LLC has the power to vote or direct the
               affairs of EPLPII, including the voting and disposition of shares
               of Common Stock held in the name of EPLPII. Therefore, Mr.
               Goldstein and Mr. Usdan share voting and disposition power with
               regard to shares of Common Stock held in the name of EPLPII.

(E)      Endicott Offshore Investors, Ltd.

         (a)-(b)  See cover page.

         (c)   EOI has made the following purchases of Common Stock in the last
               60 days.

- ---------------- -------------------- ----------------------- -----------------
      Date         Number of Shares     Price Per Share ($)     Total Cost ($)
- ---------------- -------------------- ----------------------- -----------------
    7/25/02             3,500                  21.057                73,700
- ---------------- -------------------- ----------------------- -----------------

         (d)   Mr. Goldstein and Mr. Usdan are each a Co-President of Endicott
               Management.  Endicott Management directs the investment affairs
               of EOI.  Therefore, Mr. Goldstein and Mr. Usdan share the power
               to direct the affairs of EOI, including voting and disposition
               power with regard to shares of Common Stock held in the name of
               EOI.

 (F)     W.R. Endicott, L.L.C.

         (a)-(b)  See cover page.

         (c)   WRE LLC has made no purchases or sales of Common Stock directly.

         (d)   Mr. Goldstein and Mr. Usdan are each a Managing Member of WRE
               LLC. Therefore, Mr. Goldstein and Mr. Usdan share the power to
               direct the affairs of WRE LLC, including voting and disposition
               power with regard to shares of Common Stock held in the name of
               WRE LLC.

(G)      W.R. Endicott II, L.L.C.

         (a)-(b)  See cover page.

         (c)   WRE II LLC has made no purchases or sales of Common Stock
               directly.

         (d)   Mr. Goldstein and Mr. Usdan are each a Managing Member of WRE II
               LLC. Therefore, Mr. Goldstein and Mr. Usdan share the power to
               direct the affairs of WRE II LLC, including voting and
               disposition power with regard to shares of Common Stock held in
               the name of WRE II LLC.
<PAGE>
CUSIP No.  743868101                                         Page 21 of 33 Pages

 (H)     Endicott Management Co.

         (a)-(b)  See cover page.

         (c)   Endicott Management has made the following purchases of Common
               Stock in the last 60 days.

- ------------- ----------------------- ----------------------- ------------------
     Date        Number of Shares       Price Per Share ($)     Total Cost ($)
- ------------- ----------------------- ----------------------- ------------------
   7/25/02              200                   21.175                 4,235
- ------------- ----------------------- ----------------------- ------------------

         (d)   Mr. Goldstein and Mr. Usdan are each a Co-President of Endicott
               Management.  Therefore, Mr. Goldstein and Mr. Usdan share the
               power to direct the affairs of Endicott Management, including
               voting and disposition power with regard to shares of Common
               Stock held in the name of Endicott Management.

(I)      Wayne K. Goldstein

         (a)-(b)  See cover page.

         (c)   Mr. Goldstein has made no purchases or sales of Common Stock
               directly.

(J)      Robert I. Usdan

         (a)-(b)  See cover page.

         (c)   Mr. Usdan has made no purchases or sales of Common Stock
               directly.

(K)      Gene F. Gaines

         (a)-(b)  See cover page.

         (c)   Mr. Gaines has made no purchases or sales of Common Stock during
               the past 60 days.

Item 6.  Contracts, Arrangements, Understandings or Relationships with Respect
         to Securities of the Company.

         With respect to the Endicott Parties, for all accounts managed Endicott
Management is entitled to a management fee based upon a percentage of total
capital managed. In addition, Endicott Management receives an allocation of a
portion of profits, if any, for the two managed accounts managed by it and the
account managed for EOI. WRE LLC receives an allocation of a portion of profits,
if any, for the account managed for EPLP. WRE II LLC receives an allocation of a
portion of profits, if any, for the account managed for EPLPII. With respect to
the JAM Parties, JAM MGR is entitled to a management fee and an allocation of a
portion of profits of JAM and JAM SOF.
<PAGE>
CUSIP No.  743868101                                         Page 22 of 33 Pages


         Other than the foregoing agreements and the Joint Filing Agreement
filed as Exhibit 1 to this filing, there are no contracts, arrangements,
understandings or relationships among the persons named in Item 2 hereof and
between such persons and any person with respect to any securities of the
Company, including but not limited to transfer or voting of any of the
securities, finders' fees, joint ventures, loan or option arrangements, puts or
calls, guarantees of profits, divisions of profits or losses, or the giving or
withholding of proxies.

Item 7.  Material to be Filed as Exhibits

         No.      Description

          1        Joint Filing Agreement.
          2        Letter from Mr. Jacobs to the Board of Directors of the
                   Company, dated May 29, 2002.*
          3        Letter from Mr. Jacobs to the Board of Directors of the
                   Company, dated July 11, 2002.
          4        Letter from the Mr. Jacobs to the Company to Mr. Jacobs,
                   dated August 16, 2002.
          5        Letter from the Chairman of the Board of Directors of the
                   Company to Mr. Jacobs, dated August 20, 2002.

- --------------
*Filed with an earlier-filed version of this Schedule 13D.

<PAGE>
CUSIP No.  743868101                                         Page 23 of 33 Pages


                                   SIGNATURES

         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.

Date:    August 28, 2002


                                  JAM PARTNERS, L.P.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           General Partner


                                  JAM SPECIAL OPPORTUNITIES FUND, L.P.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           General Partner


                                  JAM MANAGERS, L.L.C.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           Managing Member


                                  ENDICOTT PARTNERS, L.P.

                                  By:      W.R. Endicott, L.L.C.
                                           General Partner

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  ENDICOTT PARTNERS II, L.P.

                                  By:      W.R. Endicott II, L.L.C.
                                           General Partner

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member

<PAGE>
CUSIP No.  743868101                                         Page 24 of 33 Pages

                                  ENDICOTT OFFSHORE INVESTORS, LTD.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Director


                                  W.R. ENDICOTT, L.L.C.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  W.R. ENDICOTT II, L.L.C.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  ENDICOTT MANAGEMENT CO.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           President



By:      /s/ Seymour Jacobs
         Seymour Jacobs


By:      /s/ Wayne K. Goldstein
         Wayne K. Goldstein


By:      /s/ Robert I. Usdan
         Robert I. Usdan


By:      /s/ Gene F. Gaines
         Gene F. Gaines


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>slp366a.txt
<DESCRIPTION>JOINT FILING AGREEMENT
<TEXT>
CUSIP No.  743868101                                         Page 25 of 33 Pages


                                                                       EXHIBIT 1

                             JOINT FILING AGREEMENT

         Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of 1934,
as amended, the undersigned hereby agree that the Schedule 13D to which this
Joint Filing Agreement is being filed as an exhibit shall be a joint statement
filed on behalf of each of the undersigned.

Date:    August 28, 2002

                                  JAM PARTNERS, L.P.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           General Partner


                                  JAM SPECIAL OPPORTUNITIES FUND, L.P.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           General Partner


                                  JAM MANAGERS, L.L.C.

                                  By:      /s/ Seymour Jacobs
                                           Seymour Jacobs
                                           Managing Member


                                  ENDICOTT PARTNERS, L.P.

                                  By:      W.R. Endicott, L.L.C.
                                           General Partner

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  ENDICOTT PARTNERS II, L.P.

                                  By:      W.R. Endicott II, L.L.C.
                                           General Partner

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member

<PAGE>
CUSIP No.  743868101                                         Page 26 of 33 Pages

                                  ENDICOTT OFFSHORE INVESTORS, LTD.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Director


                                  W.R. ENDICOTT, L.L.C.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  W.R. ENDICOTT II, L.L.C.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           Managing Member


                                  ENDICOTT MANAGEMENT CO.

                                  By:      /s/ Robert I. Usdan
                                           Robert I. Usdan
                                           President


By:      /s/ Seymour Jacobs
         Seymour Jacobs


By:      /s/ Wayne K. Goldstein
         Wayne K. Goldstein


By:      /s/ Robert I. Usdan
         Robert I. Usdan


By:      /s/ Gene F. Gaines
         Gene F. Gaines


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>4
<FILENAME>slp366b.txt
<DESCRIPTION>LETTER FROM MR. JACOBS TO BOARD
<TEXT>
CUSIP No.  743868101                                         Page 27 of 33 Pages


                                                                       EXHIBIT 3

                                 [ON LETTERHEAD]

July 11, 2002

The Board of Directors
c/o Craig G. Blunden
Chairman of the Board
Provident Financial Holdings, Inc.
3756 Central Avenue
Riverside, CA  92506

Dear Craig:

I am sending this letter as a follow up to my letter to your Board dated May 29,
2002 and our several telephonic conversations. As stated many times previously,
I had hoped that we would be able to work together on a friendly basis
concerning our request for board representation. In the six weeks that have
passed, there has been no tangible progress towards that goal. Rather, we have
had numerous conversations which seem to lead nowhere, we have readily responded
to requests for biographical information and professional references, and in the
case of Gene Gaines, he has willingly met with you in a hope to move this
forward. The lack of progress is disappointing given the spirit of cooperation
with which we have conducted ourselves during this period.

As I mentioned on the telephone the other day, the goal of my group remains the
same - we would like two seats on the board of directors. We believe that these
seats are warranted and necessary given the company's anemic earnings
performance and the lack of independent out-of-community oversight. With a
shareholder base including a majority of institutional investors, some
representation on the board would seem appropriate, if not imperative. You
recently suggested to me that the board's decision regarding this would be
based, in part, on the findings of a proxy solicitation firm. We greatly look
forward to their findings. We think they will support our point of view as long
as they are honest with you and don't just tell you what you need to hear to
hire them for a lucrative (for them) proxy battle. Our confidence is based on
the numerous calls we have received from like-minded institutional and
individual shareholders. Note that this did not waste any of shareholder's
equity as a formal proxy battle.

What we think you should be focusing on are daily press reports and discussions
in Congress pointing to the need for more experienced, independent and objective
board members throughout corporate America. Corporate governance seems to be the
rallying cry. As such, it is very surprising that a report from a paid and
possibly partial proxy solicitor would influence your decision as opposed to the
clear need that the company has, the qualifications stated in both the original
letter and by the references we provided, and the shareholder profile of the
company.

Furthermore, our discussion regarding capital management strategies and lowering
bloated overhead were reminiscent of conversations I have had with you for
years. As opposed to your contention that the problem has been poor
communication of your business plan and prospects to

<PAGE>
CUSIP No.  743868101                                         Page 28 of 33 Pages


investors, I pose that the problem has been with the execution of those plans.
You've communicated your plans and goals clearly. You just haven't achieved
them. This further convinces us that the board needs to hear fresh voices with
different experience and qualifications and more directly representing all
shareholders' interests.

I continue to believe that we can work together in a friendly and constructive
manner, and because of this, we have chosen to not yet file an amended 13D nor
release this letter publicly. But, we would like to see constructive discussions
and substantial progress made toward adding us to the board of directors by July
22, which I believe to be the date of your next board meeting. We believe this
board meeting is an ideal time to introduce us to the members of the board and
for them to formally approve our addition. If no such progress is made by this
date, we will take this as substantial proof of your unwillingness to work
together on this, and we will begin the process that will result in the formal
nomination of Gene and me as directors. Simply put, if no agreement is reached
by the time of your board meeting, we will redirect our prodigious energies and
resources toward taking our case directly to all shareholders.

As time is short, I hope to hear a response to our letter as soon as possible
and I look forward to working with you on these issues.

Sincerely,

/s/ Seymour Jacobs

Seymour Jacobs
Managing Member
JAM Managers, L.L.C.
As General Partner for
JAM Partners, L.P.


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>5
<FILENAME>slp366c.txt
<DESCRIPTION>LETTER FROM JACOBS TO PROVIDENT
<TEXT>

CUSIP No.  743868101                                         Page 29 of 33 Pages

                                                                       EXHIBIT 4


                                 August 16, 2002


Mr. Craig G. Blunden
Chairman, President & CEO
Provident Financial Holdings, Inc.
3756 Central Avenue
Riverside, CA  92506

         Re:     Demand For Stock Ledger, Stockholder List and Books and Records

Dear Mr. Blunden:

         Pursuant to the applicable provisions of Delaware law, the undersigned
hereby demands an opportunity to inspect during normal business hours the stock
ledger, current list of the stockholders (in alphabetical order, setting forth
the name and address of each stockholder and the number of shares registered in
the name of each such stockholder, as of the most recent date available), and
books and records of Provident Financial Holdings, Inc. ("Provident"), and an
opportunity to make copies of or extracts from such documents. I hereby certify
to Provident that I am a stockholder of record of Provident.

         In connection with the foregoing demand, I further demand the
opportunity to inspect and copy the following, updated as of the date of this
letter, all of which should be in the possession of Provident or one of its
agents:

         1.       All daily stock transfer sheets showing changes in the
                  stockholder list referred to in the preceding paragraph which
                  are in or come into the possession of Provident or the
                  transfer agent(s) for the common stock of Provident beginning
                  the day following the date of such list.

         2.       All information in Provident's possession and/or subject to
                  its direction or control and/or which can be obtained from
                  nominees of any central depository system relating to the
                  breakdown of all brokerage and financial institutions holding
                  shares for their customers in street name (including any "13F
                  list") and a breakdown of holdings which appear on the
                  corporate stock ledger under the names of any central
                  depository system (e.g., Cede & Co.).

         3.       A list of the names, addresses and securities positions of
                  non-objecting beneficial owners and acquiescing beneficial
                  owners obtained by Provident from brokers and dealers pursuant
                  to the applicable rules promulgated under the Securities
                  Exchange Act of 1934, as amended. If such list is not
                  available as of a recent date, such list should be requested.

         4.       A list of the names and addresses of employee participants in
                  any stock ownership

<PAGE>
CUSIP No.  743868101                                         Page 30 of 33 Pages


                  plan of Provident as of the date of the stockholder list.

         5.       The Pershing/DLJ omnibus proxy list.

         6.       The Philadep omnibus proxy list.

         7.       Any other omnibus proxies produced by ADP for client banks or
                  brokers, listing among other things any respondent positions.

         8.       Any omnibus proxy produced by Bank of New York, or any other
                  bank or broker, listing among other things any respondent
                  positions.

         9.       Any record date information provided by ADP relative to shares
                  held for their clients, and the number of holders at each of
                  their client firms holding shares of Provident.

         I further demand that modifications of, additions to or deletions from,
any and all information referenced above subsequent to the date of the
stockholder list referred to above be furnished to me as and when the same
becomes available to Provident or its agents or representatives. In the event
any or all of the information encompassed by this demand is available in the
form of computer tape or other medium suitable for use by computer or word
processor, I demand inspection and copying of such computer tape or other medium
as well as any program, software, manual or other instructions necessary for the
practical use of such information.

         Foley & Lardner, which is acting as my counsel, or my designated agent,
is authorized to make the above-referenced inspection and receive copies on my
behalf pursuant to the Power of Attorney attached hereto.

         I will bear the reasonable costs incurred by Provident (including those
of its transfer agent(s)) in connection with the production of the information
with regard to which demand is made herein.

         The purposes for requesting such inspection and copying are to
communicate with stockholders and to facilitate a possible solicitation of
proxies in connection with the 2002 Annual Meeting of Stockholders.

         Under applicable Delaware law, Provident is required to respond to this
request within five (5) business days after receiving this letter. Please advise
my counsel, Phillip M. Goldberg of Foley & Lardner, One IBM Plaza, 330 N. Wabash
Avenue, Chicago, Illinois 60611-3608 (telephone number: 312-755-1900) as to when
the items sought will be made available, and in what form.

                                            Very truly yours,

                                            /s/ Seymour Jacobs

                                            Seymour Jacobs
<PAGE>
CUSIP No.  743868101                                         Page 31 of 33 Pages


STATE OF NEW YORK             )
COUNTY OF                     )     ss:
                              )


         Seymour Jacobs, having been first duly sworn according to law, did
depose, swear and say that he is authorized to execute the foregoing Demand for
Stock Ledger, Stockholder List and Books and Records and to make the demands,
designations, authorizations and representations contained therein, and that the
matters contained in the foregoing Demand for Stock Ledger, Stockholder List and
Books and Records are true and correct.


/s/ Seymour Jacobs
Seymour Jacobs



Sworn to and subscribed before me this ___ day of August, 2002.



- ------------------------------------
Notary Public

My Commission Expires:_______________


<PAGE>
CUSIP No.  743868101                                         Page 32 of 33 Pages


                                POWER OF ATTORNEY




STATE OF NEW YORK             )
COUNTY OF                     )     ss:
                              )



         I, Seymour Jacobs, do hereby make, constitute and appoint the law firm
of Foley & Lardner, or any of its designated agents, to act on my behalf, to
inspect and receive copies of the stockholder records of Provident Corporation
requested in the accompanying demand.



                                    By:      /s/ Seymour Jacobs
                                             Seymour Jacobs


Sworn to and subscribed before me this ___ day of August, 2002.



- ------------------------------------
Notary Public

My Commission Expires:_______________


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.5
<SEQUENCE>6
<FILENAME>slp366d.txt
<DESCRIPTION>LETTER FROM CHAIRMAN TO MR. JACOBS
<TEXT>

CUSIP No.  743868101                                         Page 33 of 33 Pages


                                                                       EXHIBIT 5


                                 [ON LETTERHEAD]



Via Telecopy

Mr. Seymour Jacobs
Managing Member
JAM Partners, L.P.
One Fifth Avenue
New York, New York  10003

Dear Sy:

This letter is in connection with our conversation earlier today concerning the
proposed timing of our annual meeting of shareholders of Provident Financial
Holdings, Inc. As I indicated to you, in keeping with our past practices, we
certainly do not intend to hold an annual meeting without providing adequate
notice to our shareholders. In this regard, we anticipate announcing the date of
the meeting in a press release as soon as one is selected by our Board of
Directors. The press release also will be filed with the Securities and Exchange
Commission under cover of a Current Report on Form 8-K immediately after it is
issued. We envision that the proxy materials will be mailed to our shareholders
approximately 30 to 45 days after the press release is issued and that 25 to 30
days notice will be given between the mailing date and meeting date. These dates
are obviously approximate, but should give you an idea of the timetable we are
contemplating.

I hope this addresses your concerns regarding the notice and timing of our
annual meeting. I thought that our conversation was very productive and I look
forward to continuing these discussions with you shortly.

Best regards,

/s/ Craig G. Blunden

Craig G. Blunden
Chairman of the Board

CGB/sm

cc:      Phillip M. Goldberg, Esquire

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