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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000939057-02-000047.txt : 20020529
<SEC-HEADER>0000939057-02-000047.hdr.sgml : 20020529
<ACCEPTANCE-DATETIME>20020529125408
ACCESSION NUMBER:		0000939057-02-000047
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20020528
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20020529

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:		02664492

	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>k8c1204.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
<html>
<body>
<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>May 28, 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=55%>(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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;Riverside, California, May 29, 2002 Provident Financial Holdings, Inc. (NASDAQ/PROV) announced today that the Corporation's Board of Directors declared a 3-for-2 stock split of the Corporation's outstanding shares of common stock.  The split will be in the form of a 50 percent stock dividend.  Shareholders of record at the close of business on June 25, 2002 will receive one additional share of common stock for every two shares owned on that date.  The additional shares will be distributed on July 12, 2002 and cash will be paid in lieu of fractional shares.   </FONT></P>
<br>
<br>
<P ALIGN=JUSTIFY><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>Item 7.&nbsp;&nbsp;FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.</b></p>

<P align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;Exhibits</p>

<P align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99&nbsp;&nbsp;&nbsp;&nbsp;Company's press release dated May 29, 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: May 29, 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 May 29, 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><font size=5><b>PROVIDENT<br><font size=3>Provident Financial Holdings, Inc.</b></td>
<td width=50% align=right valign=top><font size=5><b>PROV<br><font size=3>NASDAQ<br><font size=2>LISTED</b></td>
</tr>
</table>

<br>
<hr noshade size=3 width=100%>
<br>

<table width=100% align=center>
<tr>
<td width=33% align=left valign=top><font size=3><b>3756 Central Ave.<br>Riverside, CA  92506</td>
<td width=33% align=center valign=top><font size=3></td>
<td width=33% align=right valign=top><font size=5><b>NEWS RELEASE</b></td>
</tr>
</table>
<br><br>

<P ALIGN=Center><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>PROVIDENT FINANCIAL HOLDINGS, INC.<br>ANNOUNCES STOCK SPLIT</b></font></p>

<p align=justify><FONT FACE="Times New Roman, Times, Serif" sIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverside,
California, May 29, 2002 -- Provident Financial Holdings, Inc. (NASDAQ/PROV) announced today that the Corporation's Board of Directors declared a 3-for-2 stock split of the Corporation's outstanding shares of common stock.  The split will be in the form of a 50 percent stock dividend.  Shareholders of record at the close of business on June 25, 2002 will receive one additional share of common stock for every two shares owned on that date.  The additional shares will be distributed on July 12, 2002 and cash will be paid in lieu of fractional shares.</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>
<br>
<table width=100% align=center>
<tr>
<td width=10% align=left valign=top>Contacts:</td>
<td width=45% align=left valign=top>Craig G. Blunden<br>Chairman, President & CEO<br>(909) 686-6060</td>
<td width=45% align=left valign=top>Donavon P. Ternes<br>Senior Vice President & CFO<br>(909) 686-6060</td>
</tr>
</table>
<br>

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