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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000939057-02-000118.txt : 20021122
<SEC-HEADER>0000939057-02-000118.hdr.sgml : 20021122
<ACCEPTANCE-DATETIME>20021122153948
ACCESSION NUMBER:		0000939057-02-000118
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20021122
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20021122

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:		02837914

	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>k8d1204.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>November 22, 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>000-28304<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;&nbsp;&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><br>
<p align=center></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size="3"></p>
<br><br><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 November 22, 2002, Provident Financial Holdings, Inc. announced that the annual meeting of shareholders of the Corporation will be held at the Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California on Tuesday, January 28, 2003 at 3:00 p.m. local time.  The purpose of the meeting is to elect directors, ratify the appointment of independent auditors for the current fiscal year and to consider and act upon such other matters as may properly come before the meeting. </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;The Corporation's press release dated November 22, 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:&nbsp; November 22, 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>Chairman, 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>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 November 22, 2002</FONT></H1>


<br><br><br><br><br><br><br><br><br><br><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<br>(909) 686-6060</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 THE ANNUAL MEETING OF SHAREHOLDERS</b></font></p>

<p style="margin-left: .5 in; margin-right: .5 in" align=justify><FONT FACE="Times New Roman, Times, Serif" size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverside,
California, November 22, 2002 -- Provident Financial Holdings, Inc. (NASDAQ/PROV) today announced that the annual meeting of shareholders of the Corporation will be held at the Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California on Tuesday, January 28, 2003 at 3:00 p.m. local time. </FONT></P>

<p style="margin-left: .5 in; margin-right: .5 in" align=justify><FONT FACE="Times New Roman, Times, Serif" size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the meeting is to elect directors, ratify the appointment of independent auditors for the current fiscal year and to consider and act upon such other matters as may properly come before the meeting.</P>



<br><br>
<table width=100% align=center>
<tr>
<td width=5% align=left valign=top></td>
<td width=15% align=left valign=top>Contacts:</td>
<td width=50% align=left valign=top>Craig G. Blunden, Chairman, President & CEO<br>Donavon P. Ternes, Senior Vice President & CFO</td>
<td width=30% align=left valign=top></td>
</tr>
</table>

<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>

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</TEXT>
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</SEC-DOCUMENT>
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