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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
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 ub82YYpqdEZ9Ij9x4apVBQ==

<SEC-DOCUMENT>0000939057-02-000033.txt : 20020416
<SEC-HEADER>0000939057-02-000033.hdr.sgml : 20020416
ACCESSION NUMBER:		0000939057-02-000033
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20020415
ITEM INFORMATION:		Other events
FILED AS OF DATE:		20020416

FILER:

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

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		02612084

	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>8-K
<SEQUENCE>1
<FILENAME>k8b1204.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
<html>
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<p align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;</p>
<p align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;</p>
<p align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;</p>
<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;</p>
<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>UNITED STATES<br>SECURITIES AND EXCHANGE COMMISSION<br>Washington, D.C. 20549</p><br>
<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b><FONT SIZE=4>FORM 8-K</font></b></p>
<br>
<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Current Report Pursuant to Section 13 or 15 (d)<br> of the Securities Exchange Act of 1934</p>
<br><br>

<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Date of Report (Date of earliest event reported):&nbsp;<u>April 15, 2002</u></p>
<br><br>

<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3><u><b>PROVIDENT FINANCIAL HOLDINGS,  INC.</b></u><br>
(Exact name of registrant as specified in its charter)</p>
<br><br>

<table width=100% align=center>

<tr>
<td width=33% align=center valign=top>Delaware<hr noshade size=1 width=70%>(State or other jurisdiction<br>of incorporation)</td>
<td width=34% align=center valign=top>0-28304<hr noshade size=1 width=60%>(File Number)</td>
<td width=33% align=center valign=top>33-0704889<hr noshade size=1 width=60%>(I.R.S. Employer<br>Identification No.)</td>
</tr>


<tr>
<td width=33% align=center>&nbsp;</td>
<td width=34% align=center></td>
<td width=33% align=center></td>
</tr>

<tr>
<td width=33% align=center>&nbsp;</td>
<td width=34% align=center></td>
<td width=33% align=center></td>
</tr>

<tr>
<td width=67% align=left colspan=2>3756 Central Avenue, Riverside, California<hr noshade size=1 width=60%>(Address of principal executive offices)</td>
<td width=33% align=center>92506<hr noshade size=1 width=50%>(Zip Code)</td>
</tr>

</table>
<br><br><br>

<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Registrant's telephone number, including area code:&nbsp; <u> (909) 686-6060</u></p>
<br><br>

<p align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;N.A. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u><BR>(Former name or former address, if changed since last report)</p>
<br><br><br>


<br>
<p align=center></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size="3"></p>
<br>







<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>Item 5.&nbsp;&nbsp;OTHER EVENTS.</b></p>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
April 15, 2002, Provident Financial Holdings, Inc. (&#147;Company&#148;)
announced that Provident Savings Bank, FSB, a subsidiary of the Company, has filed an application with the Office of Thrift Supervision (&#147;OTS&#148;) for a new branch site located in Riverside, California.  The proposed branch will be located in the Orangecrest Promenade at the intersection of Van Buren Boulevard and Trautwein Road.  This is a rapidly developing area of Southwest Riverside and the shopping center will be anchored by the proposed Kohl's Department Store.  Provident expects to open this branch in the summer of 2003, subject to receiving approval from the OTS and completion of shopping center construction. </FONT></P>
<br>
<P align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>Exhibit</u></p>

<P align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99&nbsp;&nbsp;&nbsp;&nbsp;Press Release dated April 15, 2002</p>
<br><br>


<P align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>SIGNATURES</b></p>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act 1934, the Registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly
authorized. </FONT></P>

<table width=100% align=center>
<tr>
<td width=25% align=left valign=top>Date: April 15, 2002</td>
<td width=75% align=left valign=top>Provident Financial Holdings, Inc.</td>
</tr>

<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=25% align=left valign=top></td>
<td width=75% align=left valign=top>/s/Craig G. Blunden<hr noshade size=1 width=25%>Craig G. Blunden<br>President and Chief Executive Officer<br>(Principal Executive Officer)</td>
</tr>

<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>


<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=25% align=left valign=top>&nbsp;</td>
<td width=75% align=left valign=top>&nbsp;</td>
</tr>


<tr>
<td width=25% align=left valign=top></td>
<td width=75% align=left valign=top>/s/ Donavon P. Ternes<hr noshade size=1 width=25%>Donavon P. Ternes<br>Senior Vice President and Chief Financial Officer<br>(Principal Financial and Accounting Officer)</td>
</tr>


</table>



<br><br><br><br><br><br><br><br><br><br><br>
<p align=center><font size=2>1</p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size=3></p>
<br><br><br>



<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Exhibit 99</FONT></H1>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Press
Release Dated April 15, 2002</FONT></H1>


<br><br><br><br><br><br><br><br><br><br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size=3></p>
<br>


<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></H1>

<table width=100% align=center>
<tr>
<td width=50% align=left valign=top><br><b>PROVIDENT<br><small>Provident Financial Holdings, Inc.</b></td>
<td width=50% align=right valign=top><b>PROV<br>NASDAQ<br><small>LISTED</b></td>
</tr>

</table>
<br>
<hr noshade size=5 width=100%>
<br>

<table width=100% align=center>
<tr>
<td width=33% align=left valign=top><font size=4><b>IMMEDIATE RELEASE</b></td>
<td width=33% align=center valign=top><font size=3><b>Contact:</b></td>
<td width=33% align=left valign=top>Craig G. Blunden<br>Chairman, President & CEO<br>(909) 686 - 6060</td>
</tr>
</table>
<br>

<P ALIGN=Center><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>Provident Establishes New Branch In Riverside</b></font></p>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverside,
California, April 15, 2002 -- Provident Savings Bank, FSB, a subsidiary of
Provident Financial Holdings, Inc. (NASDAQ: PROV), today announced that it has
filed an application with the Office of Thrift Supervision (&#147;OTS&#148;) for
a new branch site located in Riverside, California. The proposed branch will be
located in the Orangecrest Promenade at the intersection of Van Buren Boulevard
and Trautwein Road. This is a rapidly developing area of Southwest Riverside and
the shopping center will be anchored by the proposed Kohl&#146;s Department
Store. Provident expects to open this branch in the summer of 2003, subject to
receiving approval from the OTS and completion of shopping center construction. </FONT></P>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;We
believe that the Orangecrest Promenade is a logical extension of our
distribution network within the Inland Empire, and increases our presence in our
home market. The exceptional growth in the city lends well to the continuation
of our prototype offices launched in Temecula and Corona in 2001. Building on
our concept of re-defining the customer experience, this new office will offer
all of the innovations of the Temecula and Corona retail banking centers and
provide customers with a unique financial experience. The prototype branches
offers a consumer friendly environment by offering information through a
cybercafe with Internet access where the consumer can check the performance of
their favorite stocks or access their own personal e-mail accounts. To further
enhance the customer experience, we will follow in the tradition of an
investment lounge delivering the latest in financial news via financial
periodicals and television. Secure 24-hour ATM access and a 24/7 universal sales
office to meet with our clients on their terms and time frame. &#147;We are
satisfied with the consumer focus of the Temecula and Corona models, and hope to
bring the same to this office,&#148; commented Craig G. Blunden, President and
CEO. </FONT></P>

<br>
<p align=center></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size="3"></p>
<br>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provident
Savings Bank, FSB is a community-oriented, federally chartered, full-service
retail bank with assets of more than $1.1 billion. Headquartered in Riverside,
California, Provident Bank currently has 11 retail/business banking offices in
Southern California along with 5 Provident Bank Mortgage loan production
offices. Provident can be found on the Internet at <U>www.myprovident.com</U> or
we can be reached at our Corporate Call Center at 1-800-442-5201. </FONT></P>

<P ALIGN=Center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Forward-looking Statement</font></p>

<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3><I>Certain matters in this
Press Release constitute forward looking statements within the meaning of the
Private Securities Litigation Reform Act of 1995. These forward looking
statements relate to, among others, expectations of the business environment in
which the Company operates, projections of future performance, perceived
opportunities in the market, potential future credit experience, and statements
regarding the Company&#146;s mission and vision. These forward looking
statements are based upon current management expectations, and may, therefore,
involve risks and uncertainties. The Company&#146;s actual results, performance,
or achievements may differ materially from those suggested, expressed, or
implied by forward looking statements due to a wide range of factors including,
but not limited to, the general business environment, interest rates, the
California real estate market, competitive conditions between banks and non-bank
financial services providers, regulatory changes, and other risks detailed in
the Company&#146;s reports filed with the Securities and Exchange Commission,
including the Annual Report on Form 10-K for the fiscal year ended June 30,
2001. Forward looking statements are effective only as of the date that they are
made and Provident Financial assumes no obligation to update this information.</I> </FONT></P>

<P ALIGN=Center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>####</font></p>

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</DOCUMENT>
</SEC-DOCUMENT>
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