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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000939057-03-000292.txt : 20031021
<SEC-HEADER>0000939057-03-000292.hdr.sgml : 20031021
<ACCEPTANCE-DATETIME>20031021152057
ACCESSION NUMBER:		0000939057-03-000292
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031021
FILED AS OF DATE:		20031021
EFFECTIVENESS DATE:		20031021

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:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		03949765

	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>DEF 14A
<SEQUENCE>1
<FILENAME>proxy03.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. PROXY STATEMENT
<TEXT>
<HTML>


<TABLE BORDER="0" WIDTH="719" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</STRONG></FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719"></FONT><FONT SIZE="-1">Filed by the registrant
  <b>[x]</b></FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719"><FONT SIZE="-1">Filed by a party other than the registrant
  <b>[&nbsp; ]</b></FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719"></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719"></FONT><FONT SIZE="-1">Check the appropriate box:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center"><b><font size="2">[&nbsp; ]</font></b></TD>
<TD width="682"><FONT SIZE="-1">Preliminary proxy statement</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center">
  <p align="center"><b><font size="2">[x]</font></b></TD>
<TD width="682"><FONT SIZE="-1">Definitive proxy statement</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center"><b><font size="2">[&nbsp; ]</font></b></TD>
<TD width="682"><FONT SIZE="-1">Definitive additional materials</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center"><b><font size="2">[&nbsp; ]</font></b></TD>
<TD width="682"><FONT SIZE="-1">Soliciting material pursuant to Rule 14a-11(c) or Rule 14a-12</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="719"></FONT><FONT SIZE="-1">
  PROVIDENT FINANCIAL HOLDINGS, INC.<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="719"></FONT><FONT SIZE="-1">(Name of Registrant as Specified in Its Charter)</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="719"></FONT><FONT SIZE="-1">
  PROVIDENT FINANCIAL HOLDINGS, INC.</FONT><HR NOSHADE NOSHADE>
</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="719"><FONT SIZE="-1">(Name of Person(s) Filing Proxy Statement)</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719"></FONT><FONT SIZE="-1">Payment of filing fee (Check the appropriate box):</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center">
  <p align="center"><font size="2"><b>[x]</b></font></TD>
<TD width="682"><FONT SIZE="-1">No fee required.</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center"><b>[ ]</b></TD>
<TD width="682"><FONT SIZE="-1">$500 per each party to the controversy pursuant to Exchange Act Rule 14a-6(i)(3).</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37" align="center"><b>[ ]</b></TD>
<TD width="682"><FONT SIZE="-1">Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(1)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Title of each class of securities to which transaction applies:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(2)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Aggregate number of securities to which transactions applies:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(3)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule </FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37">&nbsp;</TD>
<TD width="682"></FONT><FONT SIZE="-1">0-11:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(4)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Proposed maximum aggregate value of transaction:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="37">
  <p align="center"><b><font size="2">[&nbsp; ]</font></b></TD>
<TD width="682"><p align=justify><FONT SIZE="-1">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11 (a)(2) and identify the
filing for which the offsetting fee was paid previously.  Identify the previous filing  by registration
statement number, or the form or schedule and the date of its filing.</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(1)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Amount previously paid:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(2)</FONT></TD>
<TD width="682"><FONT SIZE="-1">Form, schedule or registration statement no.:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(3) </FONT></TD>
<TD width="682"><FONT SIZE="-1">Filing party:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="37"></FONT><FONT SIZE="-1">(4) </FONT></TD>
<TD width="682"><FONT SIZE="-1">Date filed:</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="719">
  <p align="center"><FONT SIZE="-1">N/A<HR NOSHADE NOSHADE>
  </FONT>
</TD></TR>
</TABLE>
</P>









&nbsp;<p><font size="2">&lt;PAGE&gt;</font></p>
<p><font size="2">&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;&nbsp;&nbsp; October 21, 2003

<BR WP="BR1"><BR WP="BR2">
<BR WP="BR1"><BR WP="BR2">
</font><FONT FACE="Times New Roman" size="2">Dear Shareholder:</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	You are cordially invited to attend the Annual Meeting of Shareholders of Provident Financial Holdings, Inc.
to be held at the Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California, on Tuesday,
November 18, 2003, at 11:00 a.m., local time.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Notice of Annual Meeting of Shareholders and Proxy Statement appearing on the following pages describe
the formal business to be transacted at the meeting.  During the meeting, we will also report on the operations of the
Company.  Directors and officers of the Company will be present to respond to appropriate questions from shareholders.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	It is important that your shares are represented at this meeting, whether or not you attend the meeting in person
and regardless of the number of shares you own.  <STRONG>To make sure your shares are represented, we urge you to
complete and mail the enclosed proxy card.</STRONG>  If you attend the meeting, you may vote in person even if you have
previously mailed a proxy card.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	We look forward to seeing you at the meeting.</FONT></P>

<P><FONT FACE="Times New Roman" size="2">		&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;&nbsp;&nbsp;&nbsp;&nbsp;		Sincerely,</FONT></P>

<font size="2">

<BR WP="BR1">&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;&nbsp;&nbsp;&nbsp;&nbsp;
/s/ Craig G. Blunden<BR WP="BR2">
&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;&nbsp;&nbsp;&nbsp;&nbsp;
</font><FONT FACE="Times New Roman" size="2">		Craig G. Blunden<BR>
&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;&nbsp;&nbsp;&nbsp;&nbsp;
President and Chief Executive Officer</FONT><p>
<font face="Times New Roman" size="2">&lt;PAGE&gt;</font></p>
</P>

<FONT FACE="Times New Roman"><STRONG> <CENTER><font size="2">PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
3756 Central Avenue<BR>
Riverside, California 92506<BR>
(909) 686-6060</font></CENTER>
</STRONG></FONT></P>

&nbsp;<FONT FACE="Times New Roman"><STRONG>

<hr noshade><CENTER><font size="2"><BR>NOTICE OF ANNUAL MEETING OF SHAREHOLDERS<BR>
To Be Held On November 18, 2003<BR></font></CENTER></STRONG></FONT></p>

<HR NOSHADE align="justify">
<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NOTICE IS HEREBY GIVEN that the Annual Meeting of Shareholders of Provident Financial Holdings, Inc.
("Company") will be held at the Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California, on
Tuesday, November 18, 2003, at 11:00 a.m., local time, for the following purposes:<bR>
</font>
</font>
</p>
<table width=100%>
<tr><td width=10% valign=top align="center"><font size="2">(1)</font></td>
<td width=90% valign=top><p align=justify><FONT FACE="Times New Roman" size="2">
To elect two directors to serve for a term of three years; </FONT></td></tr>
<tr><td width=10%><font size="2">&nbsp;</td>
<td width=90%><font size="2">&nbsp;</td></tr>
<tr><td width=10% valign=top align="center"><font size="2">(2)</font></td>
<td width=90% valign=top><p align=justify><FONT FACE="Times New Roman" size="2">
To approve the appointment of Deloitte &amp; Touche, LLP as the Company's independent auditors for
the fiscal year ending June 30, 2004; </FONT></td></tr>
<tr><td width=10%><font size="2">&nbsp;</td>
<td width=90%><font size="2">&nbsp;</td></tr>
<tr>
  <td width=10% valign=top align="center"><font size="2">(3)</font></td>
<td width=90% valign=top><p align=justify><FONT FACE="Times New Roman" size="2">
To adopt the Provident Financial Holdings, Inc. 2003 Stock Option Plan; and</FONT></td>
</tr>
<tr><td width=10% valign=top align="center">&nbsp;</td>
<td width=90% valign=top>&nbsp;</td></tr>
<tr><td width=10% valign=top align="center"><font size="2">(4)</font></td>
<td width=90% valign=top><p align=justify><FONT FACE="Times New Roman" size="2">
To consider and act upon such other matters as may properly come before the
meeting or any adjournments thereof.</FONT></td></tr>
</table>

<P><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	NOTE:  The Board of Directors is not aware of any other business to come before the meeting.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Any action may be taken on the foregoing proposals at the meeting on the date specified above or on any date
or dates to which, by original or later adjournment, the meeting may be adjourned.  Shareholders of record at the close
of business on October 13, 2003 are entitled to notice of and to vote at the meeting and any adjournments or
postponements thereof.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Please complete and sign the enclosed form of proxy, which is solicited by the Board of Directors, and mail
it promptly in the enclosed envelope.  The proxy will not be used if you attend the meeting and vote in person.</FONT></P>

<P><FONT FACE="Times New Roman" size="2">						&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;						BY ORDER OF THE BOARD OF DIRECTORS</FONT></P>

<font size="2">

<BR WP="BR1">&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;
/s/ Donavon P. Ternes<BR WP="BR2">
&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;
</font>
<FONT FACE="Times New Roman" size="2">						DONAVON P. TERNES<br>
&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;<i>
Secretary</i></FONT></P>

<P><FONT FACE="Times New Roman" size="2">Riverside, California<br>
October 21, 2003</FONT></P>

&nbsp;<FONT FACE="Times New Roman">

<HR NOSHADE align=justify><font size="2">IMPORTANT:  The prompt return of proxies will save the Company the expense of further requests for proxies
in order to ensure a quorum.  A self-addressed envelope is enclosed for your convenience.  No postage is required
if mailed in the United States. </font> </font><hr noshade>


<FONT FACE="Times New Roman">
<p>&lt;PAGE&gt;</p>
</P>

<hr noshade>
<P ALIGN="CENTER"><FONT FACE="Times New Roman" size="2"><STRONG>PROXY STATEMENT<BR>
OF<BR>
PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
3756 Central Avenue<BR>
Riverside, California 92506</STRONG></FONT></P>

<HR NOSHADE ALIGN="CENTER"><FONT FACE="Times New Roman" size="2"><CENTER><STRONG>ANNUAL MEETING OF SHAREHOLDERS<BR>
NOVEMBER 18, 2003</STRONG></FONT></CENTER><hr noshade>


</STRONG></FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This Proxy Statement is furnished in connection with the solicitation of proxies by the Board of Directors of
Provident Financial Holdings, Inc. ("Company") to be used at the Annual Meeting of Shareholders of the Company
("Annual Meeting").  The Company is the holding company for Provident Savings Bank, F.S.B. ("Bank").  The Annual
Meeting will be held at the Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California, on
Tuesday, November 18, 2003, at 11:00 a.m., local time.  This Proxy Statement and the enclosed proxy card are being
first mailed to shareholders on or about October 21, 2003.
</font>
</p>

<HR NOSHADE ALIGN="CENTER"><FONT FACE="Times New Roman" size="2"><CENTER><STRONG>VOTING AND PROXY PROCEDURE</STRONG></FONT></CENTER>
<hr noshade>

</FONT>
<p align="justify">	<FONT FACE="Times New Roman"><EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholders Entitled to Vote.</font></EM><font size="2">  Shareholders of record as of the close of business on October 13, 2003 ("Voting
Record Date") are entitled to one vote for each share of common stock ("Common Stock") of the Company then held.
As of the close of business on the Voting Record Date, the Company had 4,771,535 shares of Common Stock issued
and outstanding.</font></FONT><font size="2">

<BR WP="BR1"><BR WP="BR2">
</font>
<font size="2" FACE="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If you are a beneficial owner of Company common stock held by a broker, bank or
other nominee (i.e., in &quot;street name&quot;), you will need proof of ownership to be
admitted to the Annual Meeting. A recent brokerage statement or letter from a
bank or broker are examples of proof of ownership. If you want to vote your
shares of Company common stock held in street name in person at the Annual
Meeting, you will have to get a written proxy in your name from the broker, bank
or other nominee who holds your shares.</font></p>
<P align="justify"><FONT FACE="Times New Roman" size="2"><EM>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Quorum.</EM>  The presence, in person or by proxy, of at least a majority of the total number of outstanding shares
of Common Stock entitled to vote is necessary to constitute a quorum at the Annual Meeting.  Abstentions will be
counted as shares present and entitled to vote at the Annual Meeting for purposes of determining the existence of a
quorum.  Broker non-votes will be considered shares present and will be included in determining whether a quorum is
present.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Voting.</font></EM><font size="2">  The Board of Directors solicits proxies so that each shareholder has the opportunity to vote on the
proposals to be considered at the Annual Meeting.  When a proxy card is returned properly signed and dated, the shares
represented thereby will be voted in accordance with the instructions on the proxy card.  Where no instructions are
indicated, proxies will be voted in accordance with the recommendation of the Board of Directors.  If a shareholder of
record attends the Annual Meeting, he or she may vote by ballot.  The Board recommends a vote FOR the election of
the nominees for director, FOR the approval of the appointment of Deloitte &amp; Touche, LLP as the Company's
independent auditors for the fiscal year ending June 30, 2004, and </font> </FONT>
<font size="2">FOR the adoption of the 2003 Stock Option Plan</font><font size="2" FACE="Times New Roman">.</font></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The two directors to be elected at the Annual Meeting will be elected by a plurality of the votes cast by
shareholders present in person or by proxy and entitled to vote.  Shareholders are not permitted to cumulate their votes
for the election of directors.  Votes may be cast for or withheld from each nominee.  Votes that are withheld and broker
non-votes will have no effect on the outcome of the election because the nominees receiving the greatest number of
votes will be elected.</FONT></P>

<P><font face="Times New Roman" size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Approval of the appointment of independent auditors requires the affirmative vote of a majority of the
outstanding shares of Common Stock present in person or by proxy and entitled to vote at the Annual Meeting.  In
determining whether such proposal has received the requisite number of affirmative votes, abstentions will be counted
and will have the same effect as a vote against the proposal; broker non-votes will be disregarded and will have no effect
on the outcome of the vote.</FONT></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The adoption of the 2003 Stock Option Plan requires the affirmative vote of a majority of the outstanding
shares of the Common Stock present in person or by proxy and entitled to vote at the Annual Meeting.  Abstentions are
not affirmative votes and, therefore, will have the same effect as a vote against the proposal and broker non-votes will
be disregarded and will have no effect on the outcome of the vote.</font></P>

<P align="justify"><FONT FACE="Times New Roman">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proxies; Revocation of a Proxy.</font></EM><font size="2">  The Board of Directors solicits proxies so that each shareholder has the
opportunity to vote on the proposals to be considered at the Annual Meeting.  When a proxy card is returned properly
signed and dated, the shares represented thereby will be voted in accordance with the instructions on the proxy card.
Where a proxy card is properly signed and dated but no instructions are indicated, proxies will be voted FOR the
nominees for directors set forth below, FOR the approval of the appointment of Deloitte &amp; Touche, LLP as independent
auditors, and </font> </FONT><font size="2">FOR the adoption of the 2003 Stock Option Plan</font><font size="2" FACE="Times New Roman">.
</font></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Shareholders who execute proxies retain the right to revoke them at any time before they are voted.  Proxies
may be revoked by written notice delivered in person or mailed to the Secretary of the Company or by filing a later
proxy prior to a vote being taken on a particular proposal at the Annual Meeting.  Attendance at the Annual Meeting
will not automatically revoke a proxy, but a shareholder of record in attendance may request a ballot and vote in person,
thereby revoking a prior granted proxy.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	If your Common Stock is held in street name, you will receive instructions from your broker, bank or other
nominee that you must follow in order to have your shares voted.  Your broker or bank may allow you to deliver your
voting instructions via the telephone or the Internet.  Please see the instruction form that accompanies this proxy
statement.  If you wish to change your voting instructions after you have returned your voting instruction form to your
broker or bank, you must contact your broker or bank.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Participants in the Provident Savings Bank ESOP.</EM> If a shareholder is a participant in the Provident Savings
Bank, F.S.B. Employee Stock Ownership Plan (the "ESOP"), the proxy card represents a voting instruction to the
trustees of the ESOP as to the number of shares in the participant's plan account.  Each participant in the ESOP may
direct the trustees as to the manner in which shares of Common Stock allocated to the participant's plan account are to
be voted.  Unallocated shares of Common Stock held by the ESOP and allocated shares for which no voting instructions
are received will be voted by the trustees in the same proportion as shares for which the trustees have received voting
instructions.</FONT></P>

<FONT FACE="Times New Roman">
<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2"><center><STRONG>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</STRONG></FONT></center>
<hr noshade>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Persons and groups who beneficially own in excess of 5% of the Company's Common Stock are required to
file with the Securities and Exchange Commission ("SEC"), and provide a copy to the Company, certain reports
disclosing such ownership pursuant to the Securities Exchange Act of 1934, as amended ("Exchange Act").  Based on
such reports, the following table sets forth, as of the close of business on the Voting Record Date, certain information
as to those persons who were beneficial owners of more than 5% of the outstanding shares of Common Stock.
Management knows of no persons other than those set forth below who beneficially owned more than 5% of the
outstanding shares of Common Stock as of the close of business on the Voting Record Date.

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The following table also sets forth, as of the close of business on the Voting
Record Date information as to the shares of Common Stock beneficially owned by
(a) each current director of the Company and each of management's </FONT></p>
<p align="center"><font size="2">2</font></p>
<p><font size="2">&lt;PAGE&gt;</font></p>
<p align="justify"><FONT FACE="Times New Roman" size="2">	nominees for director, (b) each of
the executive officers named in the Summary Compensation Table (&quot;named executive
officers&quot;) and all executive officers and directors of the Company as a group.</FONT></p>
&nbsp;<TABLE BORDER="0" WIDTH="677" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="CENTER" width="144"><FONT FACE="Times New Roman" size="2">Number of Shares</FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">Percent of Shares</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font size="2" FACE="Times New Roman">Name</font><FONT FACE="Times New Roman"><hr noshade>
</TD>
<TD ALIGN="CENTER" width="144"></FONT><FONT FACE="Times New Roman" size="2">Beneficially Owned (1)</FONT><hr noshade>
</TD>
<TD ALIGN="center" width="126"><font size="2" FACE="Times New Roman">Outstanding</font><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" width="675"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><strong><font face="Times New Roman" size="2">&nbsp; </font>
  </strong></TD>
<TD ALIGN="RIGHT" width="144"><font size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2"><STRONG>Beneficial Owners of More Than 5%</STRONG></FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Provident Savings Bank, F.S.B.</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">    549,706&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">&nbsp;11.52%&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Employee Stock Ownership Plan Trust</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">JAM Partners, L.P.(2)(4)</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">      296,120 (4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">6.21&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">   &nbsp;&nbsp;   One Fifth Avenue</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">   &nbsp;&nbsp;   New York, New York 10003</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Endicott Partners, L.P.(3)(4)</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">   &nbsp;&nbsp;   237 Park Avenue, Suite 801</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">   &nbsp;&nbsp;   New York, NY 10017</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Thomson Horstmann &amp; Bryant, Inc.</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">        475,500 (5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">9.97&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Park 80 West, Plaza One</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Saddle Brook, New Jersey  07663</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Jeffrey L. Gendell</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">     494,250 (6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">&nbsp;10.36&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Tontine Partners, L.P.</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Tontine Management L.L.C.</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Tontine Financial Partners L.P.</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Tontine Overseas Associates, L.L.C.</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">200 Park Avenue, Suite 3900</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">New York, New York 10166</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">First Financial Fund, Inc.</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">     403,050 (7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">8.45&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Gateway Center Three</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">1100 Mulberry Street, 9th Floor</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Newark, New Jersey  07102</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Wellington Management Company L.L.P.</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">     419,550 (8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">8.79&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">75 State Street</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Boston, Massachusetts 02109</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><strong><font face="Times New Roman" size="2">&nbsp;</font></strong></TD>
<TD ALIGN="RIGHT" width="144"><font size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2"><STRONG>Directors</STRONG></FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="right" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="center" width="126"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="403"></FONT><FONT FACE="Times New Roman" size="2">Joseph P. Barr</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">14,041&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2"> *&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Bruce W. Bennett</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">     20,531  (9)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2"> *&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Debbi H. Guthrie</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">     38,551(10)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2"> *&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Seymour M. Jacobs(2)(4)</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">114,270&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;   </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">2.39&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">Roy H. Taylor</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">61,486&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2">1.29&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><FONT FACE="Times New Roman" size="2">William E. Thomas</FONT></TD>
<TD ALIGN="right" width="144"><FONT FACE="Times New Roman" size="2">32,735&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="126"><FONT FACE="Times New Roman" size="2"> *&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="403"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="126"></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" width="675"></FONT><FONT FACE="Times New Roman" size="2"><CENTER><EM>(table continued on following page)</EM><p>
  <em style="font-style: normal">3</em></p>
  </CENTER>
  <p align="left"><em style="font-style: normal">&lt;PAGE&gt;</em></FONT></TD></TR></TABLE>

<TABLE BORDER="0" WIDTH="677" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="CENTER" width="144"></TD>
<TD ALIGN="CENTER" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="CENTER" width="144"></TD>
<TD ALIGN="CENTER" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="CENTER" width="144"></TD>
<TD ALIGN="CENTER" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="CENTER" width="144"></TD>
<TD ALIGN="CENTER" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="CENTER" width="144"><font size="2">Number of Shares</font></FONT></TD>
<TD ALIGN="CENTER" width="127"><FONT FACE="Times New Roman" size="2">Percent of Shares</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><font size="2" FACE="Times New Roman">Name</font><FONT FACE="Times New Roman"><hr noshade>
</TD>
<TD ALIGN="CENTER" width="144"></FONT><FONT FACE="Times New Roman" size="2">Beneficially Owned (1)</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER" width="127"><font size="2" FACE="Times New Roman">Outstanding</font><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="RIGHT" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"><strong><font face="Times New Roman" size="2">&nbsp;</font></strong></TD>
<TD ALIGN="RIGHT" width="144"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="127"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2"><STRONG>Named Executive Officers</STRONG></FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="RIGHT" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="RIGHT" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="144"><font face="Times New Roman" size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="127"><font face="Times New Roman" size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="402"></FONT><FONT FACE="Times New Roman" size="2">Craig G. Blunden**</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">               300,328(11)(12)</FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2">&nbsp;6.29%</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2">Robert G. Schrader (13)**</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">               118,441&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;         </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2">2.48&nbsp;&nbsp;&nbsp;   </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2">Donald L. Blanchard</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">                60,856&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2">1.28&nbsp;&nbsp;&nbsp;   </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2">Lilian Brunner</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">                38,150&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2"> *&nbsp;&nbsp;&nbsp;   </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2">Richard L. Gale</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">                61,674&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;      </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2">1.29&nbsp;&nbsp;&nbsp;   </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2">Donavon P. Ternes</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">                65,900(12)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2"> 1.38&nbsp;&nbsp;&nbsp;   </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></TD>
<TD ALIGN="RIGHT" width="144"></TD>
<TD ALIGN="center" width="127"></TD></TR>
<TR VALIGN="TOP"><TD width="402"></FONT><FONT FACE="Times New Roman" size="2">All Executive Officers and</FONT></TD>
<TD ALIGN="RIGHT" width="144"><FONT FACE="Times New Roman" size="2">               896,145&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="center" width="127"><FONT FACE="Times New Roman" size="2">18.78%</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="402"><FONT FACE="Times New Roman" size="2"> Directors as a Group (12 persons)</FONT></TD>
<TD ALIGN="RIGHT" width="144">&nbsp;</TD>
<TD ALIGN="RIGHT" width="127"></TD></TR></TABLE>
</FONT><font size="2">_______________ </font>

<TABLE BORDER="0" WIDTH="677" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">*</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2">Less than one percent of shares outstanding.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">**</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2">Mr. Blunden and Mr. Schrader are also directors of the Company.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(1)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>In accordance with Rule 13d-3 under the Exchange Act, a person is deemed to be the beneficial owner, for
purposes of this table, of any shares of Common Stock if he or she has voting or investment power with
respect to such security.  The table includes shares owned by spouses, other immediate family members in
trust, shares held in retirement accounts or funds for the benefit of the named individuals, and other forms
of ownership, over which shares the persons named in the table may possess voting and/or investment
power.  Shares held in accounts under the Bank's ESOP which the holders have voting power but not
investment power, are included as follows:  Mr. Blunden, 6,457 shares; Mr. Schrader, 5,626 shares; Mr.
Blanchard, 4,195 shares; Ms. Brunner, 3,776 shares; Mr. Gale, 5,184 shares; Mr. Ternes, 717 shares; all
executive officers and directors as a group, 25,955 shares.  The amounts shown also include the following
number of shares which the indicated individuals have the right to acquire within 60 days of the close of
business on the Voting Record Date through the exercise of stock options granted pursuant to the
Company's 1996 Stock Option Plan: Mr. Barr, 12,500 shares; Mr. Bennett, 200 shares; Ms. Guthrie, 30,950
shares; Mr. Taylor, 30,950 shares; Mr. Thomas, 200 shares; Mr. Blunden, 153,750 shares; Mr. Blanchard,
45,000 shares; Ms. Brunner, 22,500 shares; Mr. Gale, 30,000 shares; Mr. Ternes, 27,000 shares; all
executive officers and directors as a group, 353,050 shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(2)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Consists of JAM Partners, L.P., JAM Special Opportunities Fund, L.P., JAM Managers, L.L.C., and
Seymour M. Jacobs (the "JAM Parties").</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(3)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Consists of Endicott Partners, L.P., Endicott Partners II, L.P., Endicott Offshore Investors, Ltd., W.R.
Endicott, L.L.C., Endicott Management Co., Wayne K. Goldstein and Robert I. Usdan (the "Endicott
Parties").</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(4)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Information concerning the shares owned by the JAM Parties and the Endicott Parties as of September 22,
2003 was obtained directly from the parties.  According to this information, the JAM Parties have voting
and dispositive power with respect to 114,270 shares (JAM Managers, L.L.C. has voting and dispositive
power over 112,395 shares and Mr. Seymour M. Jacobs has voting and dispositive power over 1,875
shares), which Mr. Jacobs may be deemed to have the indirect power to vote and to dispose or direct the
disposition of the shares held by the JAM Parties; the Endicott Parties have voting and dispositive power
over 181,850 shares (Endicott Partners, L.P. and W.R. Endicott, L.L.C. have voting and dispositive power
over 48,050 shares, Endicott Partners II, L.P. and W.R. Endicott II, L.L.C. have voting and dispositive
power over 71,900 shares, Endicott Management Co. has voting and dispositive power over 13,600 shares,
and Endicott Offshore Investors, Ltd. has voting and dispositive power over 48,300 shares), which Messrs.
Goldstein and Usdan may be deemed to have the indirect power to vote and to dispose or direct the
disposition of the shares held by the Endicott Parties. </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="677" colspan="2">&nbsp;<p align="center">
  <font size="2">4</font></p>
  <p><font size="2">&lt;PAGE&gt;</font></p>
  <p>&nbsp;</TD>
</TR>
<TR VALIGN="TOP"><TD width="32"></FONT><FONT FACE="Times New Roman" size="2">(5)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Information concerning the shares owned by Thomson Horstmann &amp; Bryant, Inc. as of December 31, 2002
was obtained from an amended Schedule 13G.  According to this filing, Thomson Horstmann &amp; Bryant,
Inc., an investment advisor registered under the Investment Advisers Act of 1940, has sole voting power
with respect to 207,100 shares and sole dispositive power with respect to 475,500 shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(6)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Information concerning the shares owned by Tontine Management L.L.C., Tontine Partners, L.P., Tontine
Overseas Associates, L.L.C., and Tontine Financial Partners L.P. as of December 31, 2002 was obtained
from an amended Schedule 13G.  According to this filing, Jeffrey L. Gendell, an investment advisor
registered under the Investment Advisers Act of 1940, has shared voting and dispositive power with respect
to these shares. </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(7)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Information concerning the shares owned by First Financial Fund, Inc. as of December 31, 2002 was
obtained from an amended Schedule 13G.  According to this filing, First Financial Fund, Inc., an investment
company registered under the Investment Company Act of 1940, has sole voting power and shared
dispositive power with respect to these shares. </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(8) </FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Information concerning the shares owned by Wellington Management Company, L.L.P. as of December
31, 2002 was obtained from an amended Schedule 13G.  According to this filing, Wellington Management
Company, L.L.P., an investment company registered under the Investment Company Act of 1940, has
shared dispositive power with respect to these shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(9)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Includes 1,320 shares owned by Mr. Bennett's spouse.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(10)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Includes 7,500 shares owned by the Roy O. Huffman Roof Company Profit Sharing Plan.  Ms. Guthrie is
a trustee of the plan.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(11)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Includes 5,340  shares owned by Mr. Blunden's spouse.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(12)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Includes 30,818 shares of unvested restricted stock awarded to employees and directors of the Company
and the Bank pursuant to the Company's 1996 Management Recognition Plan which are held in a trust for
participants and which will be voted by Mr. Blunden and Mr. Ternes as trustees of such trust.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="32"><FONT FACE="Times New Roman" size="2">(13)</FONT></TD>
<TD width="645"><FONT FACE="Times New Roman" size="2"><P ALIGN=JUSTIFY>Mr. Schrader retired effective March 31, 2003 as Executive Vice President and Chief Operating Officer of
the Company.  Mr. Schrader will continue to serve as a director of the Company and the Bank.</FONT></TD></TR></TABLE>

<font size="2">

<BR WP="BR1">&nbsp;</font><FONT FACE="Times New Roman">
<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2"><CENTER><STRONG>PROPOSAL I -- ELECTION OF DIRECTORS</STRONG></FONT></CENTER>
<hr noshade>
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company's Board of Directors consists of eight members.  The Board of Directors is divided into three
classes with three-year staggered terms, with approximately one-third of the directors elected each year.  Two directors
will be elected at the Annual Meeting to serve for a three year period, or until their respective successors have been
elected and qualified.  The nominees for election this year are Robert G. Schrader and William E. Thomas, each of
whom is a current member of the Board of Directors of the Company.

<BR WP="BR1"><BR WP="BR2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font>
<FONT FACE="Times New Roman" size="2">	It is intended that the proxies
solicited by the Board of Directors will be voted for the election of the above
named nominees. If any nominee is unable to serve, the shares represented by all
valid proxies will be voted for the election of such substitute as the Board of
Directors may recommend or the Board of Directors may adopt a resolution to
amend the Bylaws and reduce the size of the Board. At this time, the Board of
Directors knows of no reason why any nominee might be unavailable to serve.</FONT></p>
<P><FONT FACE="Times New Roman" size="2"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors recommends a vote "FOR" the election of Messrs. Schrader and Thomas.</STRONG></FONT></P>

<p align="center">

<font size="2">

<BR WP="BR1">5</font></p>
<p align="justify"><font size="2">&lt;PAGE&gt;<BR WP="BR2">
<BR WP="BR1"><BR WP="BR2">
</font><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table sets forth certain information regarding the nominees for election at the Annual Meeting,
as well as information regarding those directors continuing in office after the Annual Meeting.</FONT></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Year First</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2">Elected</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Term to</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2" FACE="Times New Roman">Name</font><FONT FACE="Times New Roman"><hr noshade>
</TD>
<TD ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2">Age (1)</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><font size="2" FACE="Times New Roman">Director (2)</font><hr noshade>
</TD>
<TD ALIGN="CENTER"><font size="2" FACE="Times New Roman">Expire</font><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT FACE="Times New Roman" size="2"><STRONG><CENTER>BOARD NOMINEES</STRONG></CENTER>
</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Robert G. Schrader</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">64</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1995</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    2006(3)</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">William E. Thomas</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">54</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1997</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    2006(3)</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"></FONT>
  <p align="center"><FONT FACE="Times New Roman" size="2"><STRONG>DIRECTORS CONTINUING IN OFFICE</STRONG></FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Joseph P. Barr</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">57</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2001</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2004</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Bruce W. Bennett</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">54</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1993</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2004</FONT></TD></TR>
<tr>
  <TD><FONT FACE="Times New Roman" size="2">Debbi H. Guthrie</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">52</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1994</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2004</FONT></TD>
</tr>
<tr>
  <TD><FONT FACE="Times New Roman" size="2">Craig G. Blunden</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">55</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1975</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    2005    </FONT></TD>
</tr>
<tr>
  <TD><FONT FACE="Times New Roman" size="2">Seymour M. Jacobs</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">42</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2002</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    2005    </FONT></TD>
</tr>
<tr>
  <TD><FONT FACE="Times New Roman" size="2">Roy H. Taylor</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">52</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1990</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    2005    </FONT></TD>
</tr>
</TABLE>

<P><FONT FACE="Times New Roman" size="2">_____________</FONT><BR>
<TABLE BORDER="0" WIDTH="100%">
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">(1)</FONT></TD>
<TD><FONT FACE="Times New Roman" size="2">As of June 30, 2003.</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">(2)</FONT></TD>
<TD><FONT FACE="Times New Roman" size="2">Includes prior service on the Board of Directors of the Bank.</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">(3)</FONT></TD>
<TD><FONT FACE="Times New Roman" size="2">Assuming the individual is re-elected.</FONT></TD></TR></TABLE>

<p align="justify">
<FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The present principal occupation and other business experience during the last five years of each nominee for
election and each director continuing in office is set forth below:</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Robert G. Schrader</EM> has been associated with the Bank since 1963 and served as Executive Vice President of
the Bank and the Company from January 1995 and 1996, respectively, until his retirement on March 31, 2003.  From
1990 through 1994, Mr. Schrader served as Senior Vice President of the Bank.  Mr. Schrader  served as Secretary of
the Company since its formation in 1996 until his retirement in 2003.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; William E. Thomas</EM>, a principal of  William E. Thomas, Inc., a Professional Law Corporation, is general counsel
to a diversified group of medical groups and medical management companies in Southern California.  Previously, Mr.
Thomas was the founding and managing partner of a private law firm in Riverside, California.  He currently serves as
Chairman of the Long Range Planning Committee and on the Company's Personnel/Compensation Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Joseph P. Barr </EM>is a Certified Public Accountant in California and Ohio and has been in public accounting for
more than 30 years.  He is currently a principal with Swenson Accountancy Corp., a regional assurances and business
services firm, with which he has been associated since 1996.  Mr. Barr currently serves as Chairman of the Audit
Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Bruce W. Bennett</EM> is the President and owner of Community Care and Rehabilitation Center, a skilled nursing
facility, with which he has been associated since 1973.  He also serves as Chairman of Community Health Corporation
and Riverside Community Hospital.  Mr. Bennett currently serves on the Company's Audit Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Debbi H. Guthrie</EM> is the President and owner of Roy O. Huffman Roof Company, with which she has been
affiliated since 1971.  Ms. Guthrie is active in many community organizations.  Ms. Guthrie currently serves on the
Company's Audit Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Craig G. Blunden</EM> has been associated with the Bank since 1974 and has served as President and Chief
Executive Officer of the Bank since 1991 and as President and Chief Executive Officer of the Company since its

</FONT></P>

<P align="center"><font size="2">6</font></P>

<P><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	formation in 1996.  Mr. Blunden also serves on the Board of Directors of the Federal Home Loan Bank of San Francisco
and the Greater Riverside Chambers of Commerce.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Seymour M. Jacobs</EM> is the Managing Member of both Jacobs Asset Management, LLC and JAM Managers,
LLC the Manager and General Partner, respectively, of both JAM Partners, LP and JAM Special Opportunities Fund,
LP.  The funds are private partnerships which invest primarily in financial stocks.  Mr. Jacobs currently serves on the
Company's Long Range Planning Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Roy H. Taylor</EM> is the President of Talbot Agency, Inc., an insurance brokerage firm, with which he has been
associated since 1972.  Mr. Taylor currently serves as Chairman of the Personnel/Compensation Committee and on the
Long Range Planning Committee.</FONT></P>

<P><FONT FACE="Times New Roman">
<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2"><center><STRONG>MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</STRONG></FONT></center>
<hr noshade>
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Boards of Directors of the Company and the Bank conduct their business through meetings of the Boards
and through their committees. During the fiscal year ended June 30, 2003, the Board of Directors of the Company held
12 meetings and the Board of Directors of the Bank held 12 meetings.  No director of the Company or the Bank attended
fewer than 75% of the total meetings of the Boards and committees on which such person served during this period.

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors of the Company has an Audit Committee, currently consisting of Directors Barr
(Chairman), Bennett, and Guthrie, which is responsible for reviewing the adequacy of the Bank's system of internal
accounting controls, approving the services provided by the Company's outside auditor and meeting with the Company's
outside auditor to discuss the results of the annual audit and any related matters.  The Audit Committee met four times
during the fiscal year ended June 30, 2003.</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Personnel/Compensation Committee, currently consisting of Directors Taylor (Chairman) and Thomas,
is responsible for reviewing the Bank's employee benefit programs and wage and salary administration program, making
recommendations to the full Board of Directors on annual salary increases and bonuses and addressing other personnel
issues as they arise.  The Personnel/Compensation Committee met three times during the fiscal year ended June 30,
2003.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors of the Company acts as a nominating committee for selecting the nominees for election
as directors.  The Board of Directors met once in its capacity as nominating committee to select nominees for election
at the Annual Meeting.</FONT></P>

<P><FONT FACE="Times New Roman">
<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2"><center><STRONG>DIRECTORS' COMPENSATION</STRONG></FONT></center>
<hr noshade>
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-employee Directors of the Bank currently receive a monthly retainer of $1,750 and also receive a fee of
$300 for each committee meeting attended.  The committee chairman receives a fee of $400.<FONT FACE="Times New Roman"><STRONG>  </STRONG>In addition, Directors are
covered under the Bank's policies for medical, dental and vision care.  Dependent coverage is available at the Directors'
own expense.  Following retirement from the Board of Directors, Directors continue to receive such coverage.  No
separate fees are paid for service on the Board of Directors of the Company.</FONT>

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
During the fiscal year ended June 30, 2003, non-employee Directors Barr,
Bennett, Guthrie, Taylor and Thomas each received options to acquire 1,000
shares of the Company's Common Stock under the Company's 1996 Stock Option Plan.
These options vest at a rate of 20% per year over a five year period.</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	During the fiscal year ended June 30, 2003, non-employee Directors Barr, Bennett, Guthrie, Taylor and Thomas
each were awarded 500 shares of restricted Common Stock under the Company's 1996 Management Recognition Plan.
The restricted stock awards vest ratably over a five-year period. </FONT></P>

<P align="center"><font face="Times New Roman" size="2">7</font></P>

<P><font face="Times New Roman" size="2">&lt;PAGE&gt;</font></P>

<FONT FACE="Times New Roman">
<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" size="2"><CENTER><STRONG>EXECUTIVE COMPENSATION</STRONG></FONT></CENTER>
<hr noshade>
</P>

<p></p>

</STRONG></FONT>
<p><FONT FACE="Times New Roman"><font size="2"><STRONG>Summary Compensation Table</STRONG></P>

<p align="justify">

<FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table shows the compensation paid during the last three fiscal years to the Company's Chief
Executive Officer and five highest paid executive officers who received salary and bonus in excess of $100,000 during
the fiscal year ended June 30, 2003. </FONT></p>
</p>

<BR WP="BR1"><BR WP="BR2">
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"><i><FONT FACE="Times New Roman" SIZE="-2">Long-Term Compensation</EM></FONT></i></TD>
<TD ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="3" ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-2"><EM>Awards</EM></FONT><FONT FACE="Times New Roman" SIZE="-2"><EM><hr noshade>
</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="3" ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-2"><EM>Annual Compensation</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER" valign="bottom"><FONT FACE="Times New Roman" SIZE="-2"><EM>Restricted</EM></FONT></TD>
<TD ALIGN="CENTER" valign="bottom"><FONT FACE="Times New Roman" SIZE="-2"><EM>Securities</EM></FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-2">Other Annual</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Stock</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Underlying</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>All Other</EM></FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-2"><EM>Name and Position</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Year</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Salary($)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Bonus($)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Compensation($)(1)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Award($)(2)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Options(#)(3)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Compensation($)(4)</EM></FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="8"></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$290,423</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$165,756</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">     $           --&nbsp;&nbsp;&nbsp;        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$47,490&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Chief Executive Officer </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1"> 276,596</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1"> 81,967</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">35,987&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  and President</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">263,425</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1"> 98,299</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">34,170&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="8"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Robert G. Schrader (5)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$121,053</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$  38,698</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT><FONT FACE="Times New Roman" SIZE="-1">$25,046&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Executive Vice President</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">142,770</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">28,625</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">17,602&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  and Chief Operating Officer</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">137,265</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">34,655</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">16,641&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Donald L. Blanchard</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$111,870</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$  38,877</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT><FONT FACE="Times New Roman" SIZE="-1">$21,553&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Senior Vice President-</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">107,565</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">21,566</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">15,687&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Retail Banking</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">103,575</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">20,930</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">14,633&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="8"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$111,825</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$  43,173</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$21,322&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Senior Vice President-</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">107,550</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">21,566</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">16,632&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Chief Information Officer</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">101,625</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">25,499</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">15,738&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Richard L. Gale</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$  99,996</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$585,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT><FONT FACE="Times New Roman" SIZE="-1">$30,926&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Senior Vice President-</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">99,996</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">585,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">22,348&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;  Mortgage Banking</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">99,996</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">292,500</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">11,263&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Donavon P. Ternes</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$138,002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$  51,677</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">114,800</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$28,513&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1"> &nbsp; Chief Financial Officer and</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2002</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">129,377</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">28,125</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">10,519&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1"> &nbsp; Secretary</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">2001</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">83,333</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">21,252</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">--        </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">298,000</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">45,000</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">4,781&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
</TABLE>
</FONT>________________

<TABLE BORDER="0" WIDTH="677" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" SIZE="-1">(1)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="-1">Does not include perquisites which did not exceed the lesser of $50,000 or 10% of salary and bonus.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" SIZE="-1">(2)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="-1"><P ALIGN=JUSTIFY>Represents the total value of the award of restricted Common Stock on July 23, 2002, and November 1, 2000 to Mr.
Ternes in the amount of 5,600 shares and 24,000 shares, respectively.  All such awards vest ratably over a five-year
period.  At June 30, 2003, the value of the unvested restricted stock awards was $586,800.  Dividends, if any, paid on
the restricted Common Stock are accrued and held in arrears until the restricted Common Stock becomes vested.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" SIZE="-1">(3)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="-1"><P ALIGN=JUSTIFY>Pursuant to the 1996 Stock Option Plan, 45,000 options were granted on November 1, 2000 to Mr. Ternes. The options
vest at a rate of 20% per year over a five year period. </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" SIZE="-1">(4)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="-1"><P ALIGN=JUSTIFY>Amounts for 2003 reflect:  for Mr. Blunden, supplemental life insurance of $16,092, employer contribution to 401(k)
Plan of $5,712 and employer contribution to ESOP of $21,826; for Mr. Schrader, employer contribution to 401(k) Plan
of $3,763 and employer contribution to ESOP of $19,012; for Mr. Blanchard, employer contribution to 401(k) Plan of
$3,380 and employer contribution to ESOP of $14,325; for Ms. Brunner, employer contribution to 401(k) Plan of
$3,402 and employer contribution to ESOP of $14,320; for Mr. Gale, employer contribution to 401(k) Plan of $5,500
and employer contribution to ESOP of $21,826; and for Mr. Ternes, employer contribution to 401(k) Plan of $4,984
and employer contribution to ESOP of $17,530;</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" SIZE="-1">(5)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="-1"><P ALIGN=JUSTIFY>Mr. Schrader retired effective March 31, 2003 as Executive Vice President and Chief Operating Officer of the Company.
Mr. Schrader will continue to serve as a director of the Company and the Bank.</FONT></TD></TR></TABLE>

<p align="center">

<BR WP="BR1"><font size="2">8</font></p>
<p><font size="2">&lt;PAGE&gt;</font><BR WP="BR2">
</p>
<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Option Grants in Last Fiscal Year</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	No options were granted to the Chief Executive Officer and the named executive officers during the fiscal year
ended June 30, 2003. </FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Equity Compensation Plan Information</STRONG>  </FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table summarizes share and exercise price information about the Company's equity
compensation plans as of June 30, 2003, excluding the number of shares under the proposed 2003 Stock Option Plan.</FONT></P>

<TABLE BORDER="0" WIDTH="677" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111" height="265">
<TR VALIGN="BOTTOM"><TD width="220" height="91"><FONT FACE="Times New Roman" SIZE="-1"><EM>Plan category</EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM><hr noshade>
</TD>
<TD ALIGN="CENTER" width="143" height="91"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>Number of securities
to be issued upon
exercise of
outstanding options,
warrants and rights</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER" width="133" height="91"><FONT FACE="Times New Roman" SIZE="-1"><EM>Weighted-average
exercise price of
outstanding
options, warrants
and rights</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER" width="176" height="91"><FONT FACE="Times New Roman" SIZE="-1"><EM>Number of securities
remaining available for
future issuance under
equity compensation
plans (excluding
securities reflected in
column (a))</EM></FONT><hr noshade>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="15"></TD>
<TD ALIGN="CENTER" width="143" height="15"><FONT FACE="Times New Roman" SIZE="-1">(a)</FONT></TD>
<TD ALIGN="CENTER" width="133" height="15"><FONT FACE="Times New Roman" SIZE="-1">(b)</FONT></TD>
<TD ALIGN="CENTER" width="176" height="15"><FONT FACE="Times New Roman" SIZE="-1">(c)</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="30"><FONT FACE="Times New Roman" SIZE="-1">Equity compensation plans<BR>
&nbsp;
approved by security holders:</font></TD>
<TD ALIGN="RIGHT" width="143" height="30">&nbsp;</TD>
<TD ALIGN="RIGHT" width="133" height="30"></TD>
<TD ALIGN="RIGHT" width="176" height="30"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="29"></FONT><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;&nbsp;&nbsp;  Management Recognition and<bR> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Development Plan</FONT></TD>
<TD ALIGN="RIGHT" width="143" height="29"><FONT FACE="Times New Roman" SIZE="-1">33,329&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="133" height="29"><FONT FACE="Times New Roman" SIZE="-1">                N/A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="176" height="29"><FONT FACE="Times New Roman" SIZE="-1">--&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="15"><FONT FACE="Times New Roman" SIZE="-1">  &nbsp;&nbsp;&nbsp;  1996 Stock Option Plan	</FONT></TD>
<TD ALIGN="RIGHT" width="143" height="15"><FONT FACE="Times New Roman" SIZE="-1">520,350&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="133" height="15"><FONT FACE="Times New Roman" SIZE="-1">            $11.78&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="176" height="15"><FONT FACE="Times New Roman" SIZE="-1">89,500&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="15"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="143" height="15"><font size="2">&nbsp; </font></TD>
<TD ALIGN="RIGHT" width="133" height="15"></TD>
<TD ALIGN="RIGHT" width="176" height="15"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="31"></FONT><FONT FACE="Times New Roman" SIZE="-1">Equity compensation plans<BR>
&nbsp;
not approved by security holders </FONT>

  </TD>
<TD ALIGN="RIGHT" width="143" height="31"><FONT FACE="Times New Roman" SIZE="-1">N/A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><hr noshade></TD>
<TD ALIGN="RIGHT" width="133" height="31"><FONT FACE="Times New Roman" SIZE="-1">            N/A</FONT><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><FONT FACE="Times New Roman"><hr noshade></TD>
<TD ALIGN="RIGHT" width="176" height="31"><FONT FACE="Times New Roman" SIZE="-1">N/A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT FACE="Times New Roman"><hr noshade></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="15"><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" width="143" height="15"></TD>
<TD ALIGN="RIGHT" width="133" height="15"></TD>
<TD ALIGN="RIGHT" width="176" height="15"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="220" height="15"></FONT><FONT FACE="Times New Roman" SIZE="-1">    Total	</FONT></TD>
<TD ALIGN="RIGHT" width="143" height="15"><FONT FACE="Times New Roman" SIZE="-1">553,679&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="133" height="15"><FONT FACE="Times New Roman" SIZE="-1">                N/A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="RIGHT" width="176" height="15"><FONT FACE="Times New Roman" SIZE="-1">89,500&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR></TABLE>
</P>
<P><FONT FACE="Times New Roman" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Option Exercise/Value Table</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following information with respect to options exercised during the fiscal year ended June 30, 2003, and
remaining unexercised at the end of the fiscal year, is presented for the Chief Executive Officer and the named executive
officers.</FONT></P>

<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"><i><FONT FACE="Times New Roman" SIZE="-1">Value of Unexercised</EM></FONT></i></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="CENTER"></EM></FONT>&nbsp;</TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD COLSPAN="2" ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>Number of Securities</EM></FONT></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>In-the-Money Options</EM></FONT></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="CENTER" valign="bottom"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>
Shares<Br>Acquired on</EM></FONT></TD>
<TD ALIGN="CENTER" valign="bottom"><FONT FACE="Times New Roman" SIZE="-1"><EM>Value</EM></FONT></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Underlying Unexercised Options</EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM><hr noshade>
</TD>
<TD COLSPAN="2" ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>at Fiscal Year End ($)(1)</EM></FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1"><EM>Name</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Exercise (#)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Realized($)</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Exercisable</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Unexercisable</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Exercisable</EM></FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Unexercisable</EM></FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="7"></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">           --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;            --  </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">153,750&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$ 2,947,388</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Robert G. Schrader</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">  74,250&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">1,317,868</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">--&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">                --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">              --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Donald L. Blanchard</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">           --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">              --  </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">45,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">      862,650</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">              --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">    7,500&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">   120,655</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">22,500&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">      351,225</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">              --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Richard L. Gale</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">           --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">              --  </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">30,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">      575,100</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">              --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Donavon P. Ternes</FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">           --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
<TD ALIGN="right"><FONT FACE="Times New Roman" SIZE="-1">              --  </FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">18,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">27,000</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">      304,560</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">456,840&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR></TABLE>
_________________

<TABLE BORDER="0" WIDTH="677">
<TR VALIGN="TOP"><TD width="23"><FONT FACE="Times New Roman" SIZE="-1">(1)</FONT></TD>
<TD width="644"><FONT FACE="Times New Roman" SIZE="-1"><P ALIGN=JUSTIFY>Value of unexercised in-the-money options equals market value of shares covered by in-the-money options on June 30,
2003 less the option exercise price.  Options are in-the-money if the market value of the shares covered by the options is
greater than the option exercise price.</FONT></TD></TR></TABLE>

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Employment Agreements</STRONG></FONT><BR WP="BR1">
<p><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Bank has entered into an employment agreement with Mr. Blunden.  The agreement has a term of three
years and may be renewed by the Board for an additional year each year unless Mr. Blunden has attained age 62 or the
Board or Mr. Blunden have given advance notice of their intention not to extend the term of the agreement.  The
agreement further provides for a base salary which may not be reduced except as part of a general salary reduction policy

</FONT>
</p>
<p align="center"><font size="2">9</font></p>
<p><font size="2">&lt;PAGE&gt;</font></p>
<p align="justify"><FONT FACE="Times New Roman" SIZE="-1">	for senior executives of the Bank and, at any time, below the initial base salary of the agreement.  Mr. Blunden's base
salary is subject to annual review by the Board.  Mr. Blunden's current base salary under the agreement is $297,504.
In the event of a "change of control" of the Bank (as defined below), Mr. Blunden's base salary is fixed as the sum of
his then current base salary and any bonuses paid during the 12-month period preceding the change in control.  Under
the agreement, Mr. Blunden is eligible to participate in all fringe benefit programs available to employees of the Bank
as well as any program made available to senior executives of the Bank, including the use of an employer-provided
automobile.  The agreement also provides for the reimbursement of expenses incurred by Mr. Blunden in the course of
his employment.</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	In the event of Mr. Blunden's termination without cause by the Bank, the agreement provides for (i) a lump
sum payment equal to the discounted present value of the aggregate future base salary payments Mr. Blunden would
have received over the then remaining term of the agreement and (ii) the continuation of life and medical insurance at
the Bank's expense for Mr. Blunden and his dependents.  If Mr. Blunden's employment terminates by reason of his death
or disability, the Bank is also obligated to continue life and medical insurance benefits for Mr. Blunden and his
dependents, as applicable.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	In the event of Mr. Blunden's termination without cause following a change in control of the Bank, Mr.
Blunden is entitled to an additional payment equal to three times the sum of his base salary and bonuses during the 12
months preceding his termination of employment reduced by the value of any other payments made by the Bank by
reason of Mr. Blunden's termination without cause.  In the event that a change of control of the Bank had occurred on
June 30, 2003, based solely on the cash compensation paid to Mr. Blunden during 2003 and excluding the value of any
other employee benefits which may be payable, Mr. Blunden would have received a payment of approximately
$1,368,537.  For purposes of the agreement, "change in control" is defined to mean (i) a change in control of the Bank
as determined under applicable regulations of the Office of Thrift Supervision and (ii) a change in the composition of
the Board following a merger, consolidation or other business combination involving the Bank such that a majority of
the directors of the resulting entity consists of persons who were not directors immediately prior to such transaction.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Post-Retirement Compensation Agreement</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Bank has entered into a separate post-retirement compensation agreement with Mr. Blunden.  The
agreement provides that if Mr. Blunden terminates employment with the Bank after attaining age 60, the Bank will
provide Mr. Blunden with a monthly benefit for life equal to 50% of his final average monthly salary.  For purposes of
the agreement, "final average monthly salary" is defined as the average of Mr. Blunden's highest paid 36 consecutive
months of employment with the Bank determined by reference to the gross amount of Mr. Blunden's monthly salary
excluding bonus and incentive awards, director's fees and accelerated payments of future salary.  Assuming that Mr.
Blunden's current compensation level was equivalent to his "final average monthly salary," the normal monthly benefit
payable under the agreement would be $11,534.  Under the agreement, Mr. Blunden may elect to receive the actuarially
determined lump sum equivalent of the normal monthly benefit or a joint-and-survivor benefit.  Mr. Blunden may also
elect to receive an early retirement benefit under the agreement which is reduced proportionately to reflect the number
of months then remaining to Mr. Blunden's 60th birthday.  However, in the event of Mr. Blunden's termination of
employment prior to age 60 by reason of his death or disability, the agreement provides for payment of the normal
monthly benefit to Mr. Blunden or his beneficiary.  At June 30, 2003, the accrued liability of the Bank with respect to
its obligations under the agreement was $1,171,394.  </FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Severance Agreements</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company and the Bank have entered into severance agreements with Messrs. Blanchard, Gale, and Ternes
and Ms. Brunner. The agreements have a term of one year, which may be extended
for an additional year on the anniversary of the effective date of the agreement
by the Board of Directors. The agreements provide that in the event of an
involuntary termination of the officer following a change in control of the
Company or the Bank, they will be entitled to receive two times their then
current base salary. A severance payment also will be provided on a similar
basis in connection with a voluntary termination of employment where, subsequent
to a change in control, the officer is assigned duties inconsistent with their
positions, duties, responsibilities and status immediately prior to such change
in </FONT></P>

<P align="center"><font size="2">10</font></P>

<P><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	control. The Bank or its successor
would also be obligated to continue the officer's other employee benefits for a
one-year period following termination of employment.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The term "change in control" is defined in the agreements as having occurred when, among other things, (a)
a person other than the Company purchases shares of the Company's common stock pursuant to a tender or exchange
offer for such shares, (b) any person (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act) is or
becomes the beneficial owner, directly or indirectly, of securities of the Company representing 25% or more of the
combined voting power of the Company's then outstanding securities, (c) the membership of the Board of Directors
changes as the result of a contested election, or (d) shareholders of the Company approve a merger, consolidation, sale
or disposition of all or substantially all of the Company's assets, or a plan of partial or complete liquidation. If a change
in control of the Company or the Bank occurred during the fiscal year ending June 30, 2003, based solely on the
officer's current salary level and excluding the value of any other employee benefits which may be payable, the officers
would receive payment as follows:  Mr. Blanchard, $230,400; Ms. Brunner, $230,400; Mr. Gale, $199,992; and Mr.
Ternes, $287,000.</FONT></P>

<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>AUDIT COMMITTEE MATTERS</STRONG></FONT></CENTER>
<hr noshade>
</P>

</FONT>
<p align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Audit Committee Charter.  </STRONG>The Audit Committee operates pursuant to a Charter approved by the Company's
Board of Directors.  The Audit Committee reports to the Board of Directors and is responsible for overseeing and
monitoring financial accounting and reporting, the system of internal controls established by management and the audit
process of the Company.  The Audit Committee Charter sets out the responsibilities, authority and specific duties of
the Audit Committee.  The Charter specifies, among other things, the structure and membership requirements of the
Audit Committee, as well as the relationship of the Audit Committee to the independent accountants, the internal audit
department, and management of the Company. </FONT>

<BR WP="BR1"></p>
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report of the Audit Committee.</STRONG>  The Audit Committee reports as follows with respect to the Company's
audited financial statements for the year ended June 30, 2003:</FONT></P>

<UL>
  <LI>
  <p align="justify"><FONT FACE="Times New Roman" SIZE="-1">	The Audit Committee has
  completed its initial review and discussion of the Company's 2003 audited
  financial statements with management;</FONT></LI>

<BR WP="BR1"><BR WP="BR2">  <LI>
  <p align="justify"><FONT FACE="Times New Roman" SIZE="-1">	The Audit Committee has discussed with the independent auditor (Deloitte &amp; Touche, LLP) the
matters required to be discussed by Statement on Auditing Standards ("SAS") No. 61,
<EM>Communication with Audit Committees</EM>, as amended by SAS No. 90, <EM>Audit Committee
Communications</EM>, including matters related to the conduct of the audit of the Company's financial
statements;</FONT></LI>

<BR WP="BR1"><BR WP="BR2">  <LI>
  <p align="justify"><FONT FACE="Times New Roman" SIZE="-1">	The Audit Committee has received written disclosures, as required by Independence Standards Board
Standard No. 1,<EM> Independence Discussions with Audit Committee</EM>, indicating all relationships, if any,
between the independent auditor and its related entities and the Company and its related entities
which, in the auditors' professional judgment, reasonably may be thought to bear on the auditors'
independence, and the letter from the independent auditors confirming that, in its professional
judgment, it is independent from the Company and its related entities, and has discussed with the
auditors the auditors' independence from the Company; and </FONT></LI>

<BR WP="BR1"><BR WP="BR2">  <LI>
  <p align="justify"><FONT FACE="Times New Roman" SIZE="-1">The Audit Committee has, based on its initial review and discussions with management of the
Company's 2003 audited financial statements and discussions with the independent auditors, recom-</FONT></LI>
</UL>

<P align="center"><font size="2">11</font></P>

<P><font size="2">&lt;PAGE&gt;</font></P>

<blockquote>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">						mended to the Board of Directors that the Company's audited financial statements for the year ended
June 30, 2003 be included in the Company's Annual Report on Form 10-K<EM>.</EM></FONT></P>

</blockquote>
<FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		Audit Committee:	<EM>			&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;			</EM>Joseph P. Barr, Chairman<BR>
&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;
Bruce W. Bennett<BR>
&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;
Debbi H. Guthrie<BR>

<P align="justify"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Independence and Other Matters.</STRONG>  Each member of the Audit Committee is "independent," as defined, in
the case of the Company, under The Nasdaq Stock Market Rules.  The Audit Committee members do not have any
relationship to the Company that may interfere with the exercise of their independence from management and the
Company.  None of the Audit Committee members are current officers or employees of the Company or its affiliates.</P>

<P>&nbsp;<hr noshade ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>COMPENSATION COMMITTEE MATTERS</STRONG></FONT></CENTER>
<hr noshade>

</FONT>
<p align="justify"><FONT FACE="Times New Roman" SIZE="-1"><EM>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Notwithstanding anything to the contrary set forth in any of the Company's previous filings under the Securities
Act of 1933, as amended, or the Exchange Act that might incorporate future filings, including this Proxy Statement, in
whole or in part, the following Report of the Compensation Committee and Performance Graph shall not be
incorporated by reference into any such filings.</EM></FONT>

<BR WP="BR1"></p>
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report of the Personnel/Compensation Committee</STRONG>. Under rules established by the SEC, the Company is
required to provide certain data and information in regard to the compensation and benefits provided to the Company's
Chief Executive Officer and other executive officers of the Company and the Bank.  The disclosure requirements for
the Chief Executive Officer and other executive officers include the use of tables and a report explaining the rationale
and considerations that led to the fundamental executive compensation decisions affecting those individuals.  Insofar
as no separate compensation is currently payable by the Company, the Personnel/ Compensation Committee of the Bank
(the "Committee"), at the direction of the Board of Directors of the Company, has prepared the following report for
inclusion in this proxy statement.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; General.</EM> The Personnel/Compensation Committee of the Board of Directors is responsible for establishing
and implementing all compensation policies of the Bank and its subsidiaries.  The Committee is also responsible for
evaluating the performance of the Chief Executive Officer of the Bank and approving an appropriate compensation
level.  The Chief Executive Officer evaluates the performance of certain Senior Vice Presidents of the Bank and
recommends to the Committee individual compensation levels for approval by the Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Compensation Policies.  </EM>The Committee believes that a compensation plan for executive officers should take
into account management skills, long-term performance results and shareholder returns.  The principal underlying
compensation policies are:  (1) to attract and retain key executives who are highly qualified and are vital to the long-term
success of the Bank and its subsidiaries; (2) to provide levels of compensation competitive with those offered throughout
the banking industry; (3) to motivate executives to enhance long-term shareholder value by helping them build their own
ownership in the Company; and (4) to integrate the compensation program with the Bank's long-term strategic planning
and management process.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><EM>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Base Salary.  </EM>The Bank's current compensation plan involves a combination of salary and bonuses to reward
short-term performance, and has included, and, in the future, may include grants of stock options to encourage long-term
performance.  The salary levels of executive officers are designed to be competitive within the banking and financial
services industries.  Individual annual performance is reviewed to determine appropriate salary adjustments.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annual Incentive Plan.  </EM>
The Annual Incentive Plan is based on annual performance of the Company compared
to the business plan and individual performance assessments. The Plan is
designed to provide for baseline bonuses up to 30% of salary for the Chief
Executive Officer, up to 20% of salary for Senior Officers, up to 12% of salary
for certain managers, and up to 8% of salary for certain department managers.
Actual bonuses may exceed the baseline if the </FONT></P>

<P align="center"><font size="2">12</font></P>

<P><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	Company performs better than the
business plan and/or the individual employee performs better than the baseline
performance requirement.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long Term Incentive Compensation.  </EM>The Stock Option Plan is designed to attract and retain qualified
personnel and nonemployee directors, to provide such officers, key employees and nonemployee directors with a
proprietary interest in the Company as an incentive to contribute to the success of the Company and the Bank and to
reward officers and key employees for outstanding performance.  Stock options have been granted to key employees
of the Company and its subsidiaries, including the Bank.  The Stock Option Plan is administered and interpreted by a
committee of the Board of Directors.  Under the Stock Option Plan, such committee determines which officers and key
employees will be granted options, the number of shares subject to each option, and the exercisability of such options.
The per share exercise price of an option will equal at least 100% of the fair market value of a share of Common Stock
on the date the option is granted.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Compensation of the Chief Executive Officer.  </EM>During the fiscal year ended June 30, 2003, the base salary of
Craig G. Blunden, President and Chief Executive Officer of the Bank, was $290,423 along with an incentive bonus of
$165,756.  The Committee believes Mr. Blunden's current compensation is appropriate based on competitive salary
surveys and the performance of the Bank.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Committee also recommends to the Board of Directors the amount of fees paid for service on the Board.
The Committee did not recommend a change in Board fees during the fiscal year ended June 30, 2003.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		Personnel/Compensation Committee:&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; Roy H. Taylor, Chairman<BR>
&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;&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;
William E. Thomas</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Compensation Committee Interlocks and Insider Participation.  </STRONG>No executive officer of the Company has
served as a member of the compensation committee of another entity, one of whose executive officers served on the
Compensation Committee.  No executive officer of the Company has served as a director of another entity, one of whose
executive officers served on the Compensation Committee.  No executive officer of the Company has served as a
member of the compensation committee of another entity, one of whose executive officers served as a director of the
Company. </FONT></P>

<p align="center"><font size="2">13</font></p>
<p><font size="2">&lt;PAGE&gt;</font><BR WP="BR1"><BR WP="BR2">
</p>
<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Performance Graph</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Performance Graph.</STRONG>  The following graph compares the cumulative total shareholder return on the Company's
Common Stock with the cumulative total return on the Nasdaq (U.S. Stock) Index and a peer group of the Nasdaq Bank
Index.  Total return assumes the reinvestment of all dividends.</FONT></P>

<p align="center"><FONT FACE="Times New Roman" SIZE="-1">COMPARISON OF CUMULATIVE TOTAL RETURN *</FONT></p><br>


<p><center><img src="prxy03.jpg"  width="600" height="500" border="0"></center></p>


<p><BR WP="BR1"><BR WP="BR2"></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/97</FONT><FONT FACE="Times New Roman" SIZE="-1"><hr noshade>
</TD>
<TD ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" SIZE="-1">6/30/98</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/99</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/00</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/01</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/02</FONT><hr noshade>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/03</FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Provident Financial Holdings, Inc.</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">100.00</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">125.51</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">119.76</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">83.40</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">141.09</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">205.01</FONT></TD>
<TD align="center"><FONT FACE="Times New Roman" SIZE="-1">271.24</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Nasdaq Stock Index</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">100.00</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">131.63</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">189.11</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">279.62</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">151.97</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">103.53</FONT></TD>
<TD align="center"><FONT FACE="Times New Roman" SIZE="-1">114.95</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Nasdaq Bank Index</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">100.00</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">138.70</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">137.00</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">112.33</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">155.82</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="-1">174.65</FONT></TD>
<TD align="center"><FONT FACE="Times New Roman" SIZE="-1">177.25</FONT></TD></TR></TABLE>

<p align="justify">

<font size="2">*  Assumes that the value of the investment in the Company's Common Stock and each index was $100 on June 30,
1997 and that all dividends were reinvested.

<BR WP="BR1">&nbsp;</font></p>
<p align="center"><font size="2">14</font></p>
<p><font size="2">&lt;PAGE&gt;</font><BR WP="BR2">
<BR WP="BR1"></p>
<FONT FACE="Times New Roman" SIZE="-1">

<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>COMPLIANCE WITH SECTION 16(a) OF THE EXCHANGE ACT</CENTER></STRONG></FONT>
<hr noshade>
</P>
</FONT>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Section 16(a) of the Exchange Act requires the Company's executive officers and directors, and persons who
own more than 10% of any registered class of the Company's equity securities, to file reports of ownership and changes
in ownership with the SEC.  Executive officers, directors and greater than 10% shareholders are required by regulation
to furnish the Company with copies of all Section 16(a) forms they file.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based solely on its review of the copies of such forms it has received and
written representations provided to the Company by the above referenced persons,
the Company believes that, during the fiscal year ended June 30, 2003, all
filing requirements applicable to its reporting officers, directors and greater
than 10% shareholders were properly and timely complied with.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">

<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>TRANSACTIONS WITH MANAGEMENT</CENTER></STRONG></FONT>
<hr noshade>
</P>
</FONT>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	As required by federal regulations, all loans or extensions of credit to executive officers and directors are made
on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable
transactions with other persons (except for loans made pursuant to programs generally available to all employees) and
do not involve more than the normal risk of repayment or present other unfavorable features.  In addition, loans made
by the Bank to a director or executive officer in an amount that, when aggregated with the amount of all other loans by
the Bank to such person and his or her related interests, are in excess of the greater of $25,000 or 5% of the Bank's
capital and surplus (up to a maximum of $500,000) are subject to approval in advance by a majority of the disinterested
members of the Board of Directors.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">

<hr noshade ALIGN="CENTER"></FONT><FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>PROPOSAL II -- APPROVAL OF APPOINTMENT OF INDEPENDENT AUDITORS</CENTER></STRONG></FONT>
<hr noshade>
</P>

</FONT>
<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="2">Deloitte &amp; Touche, LLP served as the Company's  independent auditors for the fiscal year ended June 30,
2003.  The Board of Directors has appointed Deloitte &amp; Touche, LLP as independent auditors for the fiscal year ending
June 30, 2004, subject to approval by shareholders.  A representative of Deloitte &amp; Touche, LLP will be present at the
Annual Meeting to respond to shareholders' questions and will have the opportunity to make a statement if he so desires.

</p>
<p align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Audit Fees</STRONG></FONT></p>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The aggregate fees billed to the Company  for professional services rendered for the audit of the Company's
financial statements for fiscal 2003 and the reviews of the financial statements included in the Company Forms 10-Q
for that year, including travel expenses, were $151,450.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Financial Information Systems Design and Implementation Fees</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	</STRONG>No independent public accountant performed financial information system design or implementation work for
the Company during the fiscal year ended June 30, 2003.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>All Other Fees</STRONG></FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Other than audit fees, the aggregate fees billed to the Company by Deloitte &amp; Touche, LLP for fiscal 2003,
none of which were financial information systems design and implementation fees, were $39,750 for tax return
preparation.  The Audit Committee of the Board of Directors determined that the services performed by Deloitte &amp;
Touche, LLP other than audit services are not incompatible with Deloitte &amp; Touche, LLP maintaining its independence.</FONT></P>

</font> <font size="-1">
<P align="center"><font face="Times New Roman">15</font></P>

<P><font face="Times New Roman">&lt;PAGE&gt;</font></P>

</font> <font size="2">
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	If the ratification of the appointment of Deloitte &amp; Touche, LLP is not approved by a majority of the votes cast
by shareholders at the Annual Meeting, other independent public accountants will be considered by the Board of
Directors.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	THE BOARD OF DIRECTORS RECOMMENDS THAT SHAREHOLDERS VOTE "FOR" THE
APPROVAL OF THE APPOINTMENT OF DELOITTE &amp; TOUCHE, LLP AS INDEPENDENT AUDITORS
OF THE COMPANY FOR THE FISCAL YEAR ENDING JUNE 30, 2004.</STRONG></FONT></P>

<P><FONT SIZE="-1"></FONT><FONT SIZE="-1">

<hr noshade ALIGN=CENTER><CENTER><FONT SIZE="-1"><STRONG>PROPOSAL III - APPROVAL OF 2003 STOCK OPTION PLAN</CENTER>
</STRONG></FONT><hr noshade>
</P>

</FONT>
<p><b>General </b>

<BR WP="BR1"></p>
<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; On September 24, 2003, the Board of Directors of the Company unanimously adopted, subject to
shareholder approval, the Provident Financial Holdings, Inc. 2003 Stock Option Plan ("2003 Plan").</STRONG></FONT></P>

<p align="justify">

<FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The objectives of the 2003 Plan are to reward performance and build the participants' equity interest in the
Company by providing long-term incentives and rewards to directors, key employees and other persons who provide
services to the Company and its subsidiaries and who contribute to the success of the Company by their innovation,
ability, industry, loyalty and exceptional service, and to enable the Company to pursue mergers and acquisitions. </FONT>
</p>
<p align="justify"></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company currently maintains the 1996 Stock Option Plan ("1996 Plan"), which was approved by
shareholders.  Stock options were awarded pursuant to the 1996 Plan to officers and directors of the Company and the
Bank.  Awards under the 1996 Plan will not be affected by adoption of the 2003 Plan.  The Company believes that the
availability of stock compensation programs is an important element of the Company's overall incentive compensation
and growth strategies and that the adoption of the 2003 Plan will assist the Company in meeting the objectives of these
strategies. </FONT></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following summary is a brief description of the material features of the 2003 Plan. <STRONG>This summary is
qualified in its entirety by reference to the 2003 Plan, a copy of which is attached as Exhibit A</STRONG>.</FONT><P align="justify"><FONT SIZE="-1"><STRONG>Summary of the 2003 Plan</STRONG></FONT><P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Type of Stock Option Grants.  </STRONG>The 2003 Plan provides for the grant of incentive stock options ("ISOs"),
within the meaning of Section 422(b) of the Internal Revenue Code of 1986, as amended ("Code"), and non-qualified
stock options ("NQSOs"), which do not satisfy the requirements for ISO treatment.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Administration.</STRONG>  The 2003 Plan is administered by a committee, the members of which are appointed by the
Company's Board of Directors ("Committee").  Subject to the terms of the 2003 Plan and resolutions of the Board, the
Committee interprets the 2003 Plan and is authorized to make all determinations and decisions thereunder.  The
Committee also determines the individuals to whom stock options will be granted, the type and amount of stock options
that will be granted, and the terms and conditions applicable to grants.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Participants.</STRONG>  All directors, advisory directors, directors emeriti and employees of the Company and its
subsidiaries are eligible to participate in the 2003 Plan, except that only employees may be granted ISOs.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Number of Shares of Common Stock Available.</STRONG>  The Company has reserved 235,000 shares of Common
Stock for issuance under the 2003 Plan in connection with the exercise of awards.  Shares of Common Stock to be
issued under the 2003 Plan will be authorized but unissued shares.  To the extent the Company uses authorized but
unissued shares to fund the 2003 Plan, the interests of current shareholders will be diluted.  If all options are granted
through the use of authorized but unissued Common Stock, current shareholders
would be diluted by approximately 4.9% based on </FONT></P>

<P align="center">16</P>

<P>&lt;PAGE&gt;</P>

<P align="justify"><FONT SIZE="-1">	the number of shares outstanding on October 13, 2003. Any
shares subject to an award which expires or is terminated unexercised will again
be available for issuance under the 2003 Plan. </FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Adjustments Upon Changes in Capitalization.</STRONG>  Shares awarded under the 2003 Plan will be adjusted by the
Committee in the event of a reorganization, recapitalization, stock split, stock dividend, combination or exchange of
shares, merger, consolidation or other change in corporate structure or the Common Stock of the Company. </FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stock Option Grants.</STRONG>  The exercise price of each ISO or NQSO will be at least equal to the fair market value
of a share of Common Stock, as determined by the closing price of the Common Stock on The Nasdaq Stock Market
on the date the option is granted.  The closing price of the Common Stock on The Nasdaq Stock Market on October 13,
2003 was $31.00.</FONT></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The aggregate fair market value of ISO shares granted to any employee that may be exercisable for the first
time by such employee during any calendar year (under all stock option plans of the Company and its subsidiaries) may
not exceed $100,000.  The exercise price of an option may be paid in cash, Common Stock or other property, by the
immediate sale through a broker of the number of shares being acquired sufficient to pay the purchase price, or by a
combination of these methods, as and to the extent permitted by the Committee. </FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Transferability of Awards.</STRONG>  Under the 2003 Plan, no ISO is transferable other than by will or the laws of
descent and distribution.  Any other option shall be transferable by will, the laws of descent and distribution, a "domestic
relations order," as defined in the Code, or a gift to any member of the participant's immediate family or to a trust for
the benefit of one or more of such immediate family members.  Options may become exercisable in full at the time of
grant or at such other times and in such installments as the Committee determines or as may be specified in the 2003
Plan.  Options may be exercised during periods before and after the participant terminates employment, as the case may
be, to the extent authorized by the Committee or specified in the 2003 Plan.  However, no ISO may be exercised after
the tenth anniversary of the date the option was granted.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Effect of a Change in Control.</STRONG>  In the event of a tender offer, exchange offer for shares or a change in control
(as defined in the 2003 Plan) of the Company, each outstanding stock option grant will become fully vested.  In addition,
in the event of a merger or other corporate event in which the Company is not the surviving entity, the 2003 Plan
provides that the participant may elect to receive the excess of the fair market value of the Common Stock underlying
the option over the option's exercise price in cash or property, as determined in the Committee's discretion. </FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Term of the 2003 Plan.</STRONG>  The 2003 Plan will be effective only upon approval by the shareholders of the
Company.  The 2003 Plan will expire on the tenth anniversary of the effective date, unless terminated sooner by the
Board. </FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Prohibition on Repricing Underwater Options.</STRONG>  The Committee may not, without the further approval of
the shareholders of the Company, authorize the amendment of any outstanding option to reduce the option price.
Furthermore, no option may be canceled and replaced with awards having a lower option price without further approval
of the shareholders.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Amendment of the 2003 Plan.</STRONG>  The 2003 Plan allows the Board to amend, suspend or terminate the 2003 Plan
without shareholder approval unless such approval is required to comply with a tax law or regulatory requirement.
Shareholder approval will generally be required with respect to an amendment to the 2003 Plan that will (i) increase the
aggregate number of securities which may be issued under the 2003 Plan, except as specifically set forth under the 2003
Plan, (ii) materially increase the benefits accruing to participants under the 2003 Plan, (iii) materially change the
requirements as to eligibility for participation in the 2003 Plan or (iv) change the class of persons eligible to participate
in the 2003 Plan.  No amendment, suspension or termination of the 2003 Plan, however, will impair the rights of any
participant, without his or her consent, in any award made thereunder.</FONT></P>

</font> <font size="-1">
<P align="center">17</P>

<P>&lt;PAGE&gt;</P>

</font> <font size="2">
<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Certain Federal Income Tax Consequences.</STRONG>  The following brief description of the tax consequences of
stock option grants under the 2003 Plan is based on federal income tax laws currently in effect and does not purport to
be a complete description of the federal income tax consequences. </FONT></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	There are no federal income tax consequences either to the optionee or to the Company upon the grant of an
ISO or a NQSO.  On the exercise of an ISO during employment or within three months thereafter, the optionee will not
recognize any income and the Company will not be entitled to a deduction, although the excess of the fair market value
of the shares on the date of exercise over the option price is includible in the optionee's alternative minimum taxable
income, which may give rise to alternative minimum tax liability for the optionee.  Generally, if the optionee disposes
of shares acquired upon exercise of an ISO within two years of the date of grant or one year of the date of exercise, the
optionee will recognize ordinary income, and the Company will be entitled to a deduction, equal to the excess of the
fair market value of the shares on the date of exercise over the option price (limited generally to the gain on the sale).
The balance of any gain or loss will be treated as a capital gain or loss to the optionee.  If the shares are disposed of after
the two year and one year periods mentioned above, the Company will not be entitled to any deduction, and the entire
gain or loss for the optionee will be treated as a capital gain or loss. </FONT></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	On exercise of a NQSO, the excess of the date-of-exercise fair market value of the shares acquired over the
option price will generally be taxable to the optionee as ordinary income and deductible by the Company, provided the
Company properly reports the income with respect to the exercise.  The disposition of shares acquired upon the exercise
of a NQSO will generally result in a capital gain or loss for the optionee, but will have no tax consequences for the
Company.</FONT></P>

<P align="justify"><FONT SIZE="-1"><STRONG>New Plan Benefits</STRONG></FONT></P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Although the Company anticipates that option grants will be made to directors, officers and employees
following the effective date and during the term of the 2003 Plan, no specific determinations have been made regarding
the timing, recipients, size or terms of individual awards.</FONT></P>

<P align="justify"><FONT SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors recommends a vote "FOR" the adoption of the 2003 Stock Option Plan attached
to this Proxy Statement as Exhibit A.</STRONG></FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1">

<hr noshade ALIGN="CENTER"><CENTER></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>OTHER MATTERS</CENTER></STRONG></FONT>
<hr noshade>
</P>

</FONT>
<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="2">The Board of Directors is not aware of any business to come before the Annual Meeting other than those
matters described above in this Proxy Statement.  However, if any other matters should properly come before the Annual
Meeting, it is intended that proxies in the accompanying form will be voted in respect thereof in accordance with the
judgment of the person or persons voting the proxies.

<BR WP="BR1">&nbsp;</font><FONT FACE="Times New Roman" SIZE="-1"><STRONG></p>

<hr noshade ALIGN="CENTER"><CENTER></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>MISCELLANEOUS</CENTER></STRONG></FONT>
<hr noshade>
</P>

</FONT>
<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="2">The cost of solicitation of proxies will be borne by the Company.  The Company will reimburse brokerage firms
and other custodians, nominees and fiduciaries for reasonable expenses incurred by them in sending proxy materials
to the beneficial owners of the Common Stock.  In addition to solicitations by mail, directors, officers and regular
employees of the Company may solicit proxies personally or by telecopier or telephone without additional compensation.
</font></p>

<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT FACE="Times New Roman" SIZE="-1">	The Company's 2003 Annual Report to Shareholders, including financial statements, has been mailed to all
shareholders of record as of the close of business on the Voting Record Date.  Any shareholder who has not received
a copy of the Annual Report may obtain a copy by writing to the Company.  The Annual Report is not to be treated as
part of the proxy solicitation material or having been incorporated herein by reference. </FONT>
</p>

<p align="center"><font face="Times New Roman" size="-1">18</font></p>

<p><font face="Times New Roman" size="-1">&lt;PAGE&gt;</font></p>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	A copy of the Company's Form 10-K for the fiscal year ended June 30, 2003, as filed with the SEC, will
be furnished without charge to shareholders of record as of the close of business on the Voting Record Date upon
written request to Donavon P. Ternes, Secretary, Provident Financial Holdings, Inc., 3756 Central Avenue,
Riverside, California 92506.</STRONG></FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">

<hr noshade ALIGN="CENTER"><CENTER></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>SHAREHOLDER PROPOSALS</CENTER></STRONG></FONT>
<hr noshade>
</P>

</FONT>
<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="2">Proposals of shareholders intended to be presented at the Company's Annual Meeting to be held in November
2004 must be received by the Company no later than June 24, 2004 to be considered for inclusion in the proxy materials
and form of proxy relating to such Annual Meeting.  Any such proposals shall be subject to the requirements of the
proxy rules adopted under the Exchange Act. </font></p>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company's Certificate of Incorporation provides that in order for a
shareholder to make nominations for the election of directors or proposals for
business to be brought before the Annual Meeting, a shareholder must deliver
notice of such nominations and/or proposals to the Secretary not less than 30
nor more than 60 days prior to the date of the Annual Meeting; provided that if
less than 31 days' notice of the Annual Meeting is given to shareholders, such
notice must be delivered not later than the close of the tenth day following the
day on which notice of the Annual Meeting was mailed to shareholders. The
Company anticipates that, in order to be timely, shareholder nominations or
proposals intended to be made at the 2003 Annual Meeting must be made by October
31, 2003. As specified in the Certificate of Incorporation, the notice with
respect to nominations for election of directors must set forth certain
information regarding each nominee for election as a director, including such
person's written consent to being named in the proxy statement as a nominee and
to serving as a director, if elected, and certain information regarding the
shareholder giving such notice. The notice with respect to business proposals to
be brought before the Annual Meeting must state the shareholder's name, address
and number of shares of Common Stock held, and briefly discuss the business to
be brought before the Annual Meeting, the reasons for conducting such business
at the Annual Meeting and any interest of the shareholder in the proposal.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">						&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;&nbsp;&nbsp;&nbsp; BY ORDER OF THE BOARD OF DIRECTORS</FONT></P>

<BR WP="BR2">
<FONT FACE="Times New Roman" SIZE="-1">&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;&nbsp;&nbsp; /s/Donavon P. Ternes<br>
&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;&nbsp;&nbsp;
DONAVON P. TERNES<BR>
<EM>&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;&nbsp;&nbsp;&nbsp; Secretary</EM></FONT>
<BR><bR>
<font size="2">Riverside, California<BR>
October 21, 2003</FONT></font><p align="center"><font size="2">19</font></p>
<p><font size="2">&lt;PAGE&gt;</font></p>
</P>

<P><FONT FACE="Times New Roman" SIZE="-1">	<STRONG>Exhibit A</STRONG></FONT></P>

<FONT FACE="Times New Roman" SIZE="-1"><CENTER><STRONG>PROVIDENT FINANCIAL HOLDINGS, INC.<BR><BR>
2003 STOCK OPTION PLAN</STRONG></CENTER>
</FONT></P>

<p align="justify">

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Plan Purpose</U>.  The purpose of the Plan is to foster and promote the long-term success of the
Corporation and its shareholders by a means of attracting and retaining directors, advisory directors, directors emeriti
and employees of the Corporation and its Affiliates, and to enable the Corporation to pursue mergers and acquisitions.</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Definitions</U>.  The following definitions are applicable to the Plan:</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Affiliate" -- means any "parent corporation" or "subsidiary corporation" of the Corporation, as such terms are
defined in Section 424(e) and (f), respectively, of the Code.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Award" -- means the grant by the Committee of an Incentive Stock Option, a Non-Qualified Stock Option or
any combination thereof, as provided in the Plan.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Award Agreement" -- means the agreement evidencing the grant of an Award made under the Plan.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Board" -- means the board of directors of the Corporation.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Cause" -- means Termination of Service by reason of personal dishonesty, incompetence, willful misconduct,
breach of fiduciary duty involving personal profit, intentional failure to perform stated duties or gross negligence.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Code" -- means the Internal Revenue Code of 1986, as amended.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Committee" -- means the Committee referred to in Section 3 hereof.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Corporation" -- means Provident Financial Holdings, Inc., a Delaware corporation, and any successor thereto.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Disability" -- means any physical or mental injury or disease of a permanent nature which renders a Participant
incapable of meeting the requirements of the employment or service performed by such Participant immediately prior
to the commencement of such disability.  The determination of whether a Participant is disabled shall be made by the
Board in its sole and absolute discretion.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Incentive Stock Option" -- means an option to purchase Shares granted by the Committee which is intended
to qualify as an incentive stock option under Section 422(b) of the Code.  Unless otherwise set forth in the Award
Agreement, any Option which does not qualify as an Incentive Stock Option for any reason shall be deemed <EM>ab initio
</EM>to be a Non-Qualified Stock Option.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Market Value" -- means:</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	If the Shares are traded or quoted on the Nasdaq Stock Market or other national securities exchange
on any date, then the Market Value shall be the closing price of the Shares on such exchange on such date or, if there
were no sales on such date, then on the next prior business day on which there was a sale.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	If the Shares are not traded or quoted on the Nasdaq Stock Market or other national securities
exchange, then the Market Value shall be a value determined by the Board in good faith on such basis as it deems
appropriate.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Non-Qualified Stock Option" -- means an option to purchase Shares granted by the Committee which does
not qualify, for any reason, as an Incentive Stock Option.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Option" -- means an Incentive Stock Option or a Non-Qualified Stock Option.</FONT></P>

<P align="justify"><font face="Times New Roman" size="-1">&lt;PAGE&gt;</font></P>

<p align="justify">

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Participant" -- means any director, advisory director, director emeritus or employee of the Corporation or any
Affiliate who is selected by the Committee to receive an Award.</FONT></p>
<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Plan" -- means this Provident Financial Holdings, Inc. 2003 Stock Option Plan.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Shares" -- means the shares of common stock, $0.01 par value per share, of the Corporation.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	"Termination of Service" -- means cessation of service, for any reason, whether voluntary or involuntary, so
that the affected individual is not either (i) an employee of the Corporation or any Affiliate for purposes of an Incentive
Stock Option or (ii) a director (including an advisory director or director emeritus) or employee of the Corporation or
any Affiliate for purposes of any other Award.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Administration</U>.  The Plan shall be administered by a Committee consisting of two or more members
of the Board, each of whom shall be (i) an "outside director," as defined under Section 162(m) of the Code and the
Treasury regulations thereunder, and (ii) a "non-employee director," as defined under Rule 16(b) of the Securities
Exchange Act of 1934 or any similar or successor provision.  The members of the Committee shall be appointed by the
Board.  Except as limited by the express provisions of the Plan or by resolutions adopted by the Board, the Committee
shall have sole and complete authority and discretion to: (i) select Participants and grant Awards; (ii) determine the
number of Shares to be subject to types of Awards generally, as well as to individual Awards granted under the Plan;
(iii) determine the terms and conditions upon which Awards shall be granted under the Plan; (iv) prescribe the form and
terms of Award Agreements; (v) establish from time to time regulations for the administration of the Plan; and
(vi)&nbsp;interpret the Plan and make all determinations deemed necessary or advisable for the administration of the Plan.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	A majority of the Committee shall constitute a quorum, and the acts of a majority of the members present at
any meeting at which a quorum is present, or acts approved in writing by a majority of the Committee without a meeting,
shall be acts of the Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Shares Subject to Plan</U>.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  Subject to adjustment by the operation of Section 6, the maximum number of Shares with respect
to which Awards may be made under the Plan is 235,000. The Shares with respect to which Awards may be made under
the Plan will be authorized and unissued Shares.  An Award shall not be considered to have been made under the Plan
with respect to any Option which terminates, and new Awards may be granted under the Plan with respect to the number
of Shares as to which such termination has occurred.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  During any calendar year, no Participant may be granted Awards under the Plan with respect to
more than 100,000 Shares, subject to adjustment as provided in Section 6.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Awards</U>.  The Committee is hereby authorized to grant Options to Participants with the following terms
and conditions and with such additional terms and conditions not inconsistent with the provisions of the Plan and the
requirements of applicable law as the Committee shall determine, including the granting of Options in tandem with other
Awards under the Plan:</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">			&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;			(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <EM>Exercise Price.</EM>  The exercise price per Share for an Option shall be determined by the
Committee; <EM>provided, however,</EM> that such exercise price shall not be less than 100% of the Market Value of a Share on
the date of grant of such Option.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">			&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;			(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <EM>Option Term.</EM>  The term of each Option shall be fixed by the Committee, but shall be no
greater than ten (10) years for either an Incentive Stock Option or a Non-Qualified Stock Option.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">			&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;			(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <EM>Time and Method of Exercise.</EM>
The Committee shall determine the time or times at which an Option may be
exercised in whole or in part and the method or methods by which, and the form
or forms (including, without limitation, cash, Shares, other Awards or any
combination thereof, having a fair market value on the exercise&nbsp; </FONT></P>

<P align="center"><font face="Times New Roman" size="-1">A-2</font></P>

<P><font face="Times New Roman" size="-1">&lt;PAGE&gt;</font></P>

<P><FONT FACE="Times New Roman" SIZE="-1">			date equal to the relevant
exercise price) in which, payment of the exercise price with respect thereto may
be made or deemed to have been made. The Committee may, in its discretion,
arrange procedures for the payment of the exercise price with one or more stock
brokerage firms for the purpose of allowing a Participant to make a &quot;cashless
exercise&quot; of an Option.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">			&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;			(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <EM>Incentive Stock Options.</EM>  Incentive Stock Options may be granted by the Committee only
to employees of the Corporation or its Affiliates.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">			&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;			(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  <EM>Termination of Service.</EM>  Unless otherwise determined by the Committee and set forth
in the Award Agreement evidencing the grant of the Option, upon Termination of Service of the Participant for any
reason other than for Cause, all Options then currently exercisable shall remain exercisable for the lesser of (A) three
years following such Termination of Service or (B) until the expiration of the Option by its terms.  Upon Termination
of Service for Cause, all Options not previously exercised shall immediately be forfeited.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Adjustments Upon Changes in Capitalization</U>.  In the event of any change in the outstanding Shares
subsequent to the effective date of the Plan by reason of any reorganization, recapitalization, stock split, stock dividend,
combination or exchange of shares, merger, consolidation or any change in the corporate structure or Shares of the
Corporation, the maximum aggregate number and class of shares and exercise price of the Award, if any, as to which
Awards may be granted under the Plan and the number and class of shares and exercise price of the Award, if any, with
respect to which Awards have been granted under the Plan shall be appropriately adjusted by the Committee, whose
determination shall be conclusive.  Except as otherwise provided herein, any Award which is adjusted as a result of this
Section 6 shall be subject to the same terms and conditions as the original Award.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Effect of Merger on Options</U>.  In the case of any merger, consolidation or combination of the
Corporation (other than a merger, consolidation or combination in which the Corporation is the continuing corporation
and which does not result in the outstanding Shares being converted into or exchanged for different securities, cash or
other property, or any combination thereof), any Participant to whom an Option has been granted shall have the
additional right (subject to the provisions of the Plan and any limitation applicable to such Option), thereafter and during
the term of each such Option, to receive upon exercise of any such Option an amount equal to the excess of the fair
market value on the date of such exercise of the securities, cash or other property, or combination thereof, receivable
upon such merger, consolidation or combination in respect of a Share over the exercise price of such Option, multiplied
by the number of Shares with respect to which such Option shall have been exercised.  Such amount may be payable
fully in cash, fully in one or more of the kind or kinds of property payable in such merger, consolidation or combination,
or partly in cash and partly in one or more of such kind or kinds of property, all in the discretion of the Committee.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Effect of Change in Control</U>.  Each of the events specified in the following clauses (i) through (iii)
of this Section 8 shall be deemed a "change in control": (i) any third person, including a "group" as defined in Section
13(d)(3) of the Securities Exchange Act of 1934, shall become the beneficial owner of shares of the Corporation with
respect to which 25% or more of the total number of votes for the election of the Board may be cast; (ii) as a result of,
or in connection with, any cash tender offer, merger or other business combination, sale of assets or contested election,
or combination of the foregoing, the persons who were directors of the Corporation shall cease to constitute a majority
of the Board; or (iii) the shareholders of the Corporation shall approve an agreement providing either for a transaction
in which the Corporation will cease to be an independent publicly-owned corporation or for a sale or other disposition
of all or substantially all the assets of the Corporation.  If a tender offer or exchange offer for Shares (other than such
an offer by the Corporation) is commenced, or if a change in control shall occur, unless the Committee shall have
otherwise provided in the Award Agreement, all Options granted and not fully exercisable shall become exercisable in
full upon the happening of such event; provided, however, that no Option which has previously been exercised or
otherwise terminated shall become exercisable.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Assignments and Transfers</U>.
No Incentive Stock Option granted under the Plan shall be transferable other
than by will or the laws of descent and distribution. Any other Award shall be
transferable by will, the laws of descent and distribution, a &quot;domestic
relations order,&quot; as defined in Section 414(p)(1)(B) of the Code, or a gift to
any member of the Participant's immediate family or to a trust for the benefit
of one or more of such immediate family </FONT></P>

<P align="center"><font size="2">A-3</font></P>

<P><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	members. During the lifetime of an
Award recipient, an Award shall be exercisable only by the Award recipient
unless it has been transferred as permitted hereby, in which case it shall be
exercisable only by such transferee. For the purpose of this Section 9, a
Participant's &quot;immediate family&quot; shall mean the Participant's spouse, children
and grandchildren.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Employee Rights Under the Plan</U>.  No person shall have a right to be selected as a Participant nor,
having been so selected, to be selected again as a Participant, and no employee or other person shall have any claim or
right to be granted an Award under the Plan or under any other incentive or similar plan of the Corporation or any
Affiliate.  Neither the Plan nor any action taken thereunder shall be construed as giving any employee any right to be
retained in the employ of the Corporation or any Affiliate.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Delivery and Registration of Stock</U>.  The Corporation's obligation to deliver Shares with respect to
an Award shall, if the Committee so requests, be conditioned upon the receipt of a representation as to the investment
intention of the Participant to whom such Shares are to be delivered, in such form as the Committee shall determine to
be necessary or advisable to comply with the provisions of the Securities Act of 1933 or any other federal, state or local
securities legislation.  It may be provided that any representation requirement shall become inoperative upon a
registration of the Shares or other action eliminating the necessity of such representation under such Securities Act or
other securities legislation.  The Corporation shall not be required to deliver any Shares under the Plan prior to (i) the
admission of such Shares to listing on any stock exchange on which Shares may then be listed and (ii) the completion
of such registration or other qualification of such Shares under any state or federal law, rule or regulation, as the
Committee shall determine to be necessary or advisable.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Withholding Tax</U>.  Where a Participant or other person is entitled to receive Shares pursuant to the
exercise of an Option pursuant to the Plan, the Corporation shall have the right to require the Participant or such other
person to pay the Corporation the amount of any taxes which the Corporation is required to withhold with respect to
such Shares, or, in lieu thereof, to retain, or sell without notice, a number of such Shares sufficient to cover the amount
required to be withheld.  All withholding decisions pursuant to this Section 12 shall be at the sole discretion of the
Committee or the Corporation.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Amendment or Termination</U>.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board may amend, alter, suspend, discontinue or terminate the Plan without the consent
of shareholders or Participants, except that any such action will be subject to the approval of the Corporation's
shareholders if, when and to the extent such shareholder approval is necessary or required for purposes of any applicable
federal or state law or regulation or the rules of any stock exchange or automated quotation system on which the Shares
may then be listed or quoted, or if the Board, in its discretion, determines to seek such shareholder approval.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Committee may waive any conditions of or rights of the Corporation or modify or amend
the terms of any outstanding Award.  The Committee may not, however, amend, alter, suspend, discontinue or terminate
any outstanding Award without the consent of the Participant or holder thereof, except as otherwise provided herein.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;		(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 	The Committee shall not, without the further approval of the shareholders of the Corporation,
authorize the amendment of any outstanding Option to reduce the exercise price of the Option.  Furthermore, no Option
shall be canceled and replaced with awards having a lower exercise price without further approval of the shareholders
of the Company.  This Section 13(c) is intended to prohibit the repricing of "underwater" Options and shall not be
construed to prohibit or in any way restrict the adjustments provided for in Section 6 of this Plan. </FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<U>Effective Date and Term of Plan</U>.  The Plan shall become effective upon the later of its adoption by
the Board or its approval by the shareholders of the Corporation.  It shall continue in effect for a term of ten (10) years
thereafter unless sooner terminated under Section 13 hereof.</FONT></P>

<FONT FACE="Times New Roman" SIZE="-1">
</FONT>
<p align="center"><font size="2">A-4</font></P>

<p><font size="2">&lt;PAGE&gt;</font></p>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG><CENTER>REVOCABLE PROXY<BR>
PROVIDENT FINANCIAL HOLDINGS, INC.<BR><BR>
ANNUAL MEETING OF SHAREHOLDERS<BR>
NOVEMBER 18, 2003</STRONG></CENTER>
</FONT></P>

<p align="justify">

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The undersigned hereby appoints the Board of Directors of Provident Financial Holdings, Inc. (the "Company")
with full powers of substitution to act as attorneys and proxies for the undersigned, to vote all shares of Common Stock
of the Company which the undersigned is entitled to vote at the Annual Meeting of Shareholders, to be held at the
Riverside Art Museum located at 3425 Mission Inn Avenue, Riverside, California, on Tuesday, November 18, 2003,
at 11:00 a.m., local time, and at any and all adjournments thereof, as  follows:</FONT><BR>
</p>
<TABLE BORDER="0" WIDTH="677" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD ALIGN="CENTER" width="52"><u><FONT FACE="Times New Roman" SIZE="-1">FOR</FONT></u></TD>
<TD ALIGN="CENTER" width="142"><u><FONT FACE="Times New Roman" SIZE="-1">
WITHHELD</FONT></u></TD></TR>
<TR VALIGN="TOP"><TD width="27">&nbsp;</TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></FONT><FONT FACE="Times New Roman" SIZE="-1">1.</FONT></TD>
<TD COLSPAN="2" width="456"><FONT FACE="Times New Roman" SIZE="-1">The election as director of the nominees</FONT></TD>
<TD ALIGN="CENTER" width="52"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD>
<TD ALIGN="CENTER" width="142"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="27">&nbsp;</TD>
<TD COLSPAN="2" width="456"></FONT><FONT FACE="Times New Roman" SIZE="-1">listed below (except as marked to the</FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></FONT><FONT FACE="Times New Roman" SIZE="-1">contrary below).</FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27">&nbsp;</TD>
<TD COLSPAN="2" width="456">&nbsp;</TD>
<TD width="52">&nbsp;</TD>
<TD width="142">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></FONT><FONT FACE="Times New Roman" SIZE="-1">Robert G. Schrader</FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></FONT><FONT FACE="Times New Roman" SIZE="-1">William E. Thomas</FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27">&nbsp;</TD>
<TD COLSPAN="2" width="456">&nbsp;</TD>
<TD width="52">&nbsp;</TD>
<TD width="142">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></FONT><FONT FACE="Times New Roman" SIZE="-1">INSTRUCTIONS:  To withhold your vote</STRONG></FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>for any individual nominee, write the</STRONG></FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>nominee's name on the line below.</STRONG></FONT></TD>
<TD width="52">&nbsp;</TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD width="230">
</STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>&nbsp;<hr noshade>
</TD>
<TD width="226"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD COLSPAN="2" width="456"></TD>
<TD width="52"></TD>
<TD width="142"></TD></TR>
<TR VALIGN="TOP"><TD width="27"></TD>
<TD width="230">
<FONT FACE="Times New Roman" SIZE="-1">&nbsp;<hr noshade>
<p>&nbsp;</TD>
<TD width="226">
<p></p>
<p></p>
<p></p>
<p></TD>
<TD width="52"></TD>
<TD width="142">
<p></p>
<p></p>
<p></TD></TR></TABLE>

<TABLE BORDER="0" WIDTH="677" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></TD>
<TD ALIGN="CENTER" width="40"><u><FONT FACE="Times New Roman" SIZE="-1">FOR</U></FONT></u></TD>
<TD ALIGN="CENTER" width="92"><FONT FACE="Times New Roman" SIZE="-1"><U>AGAINST</U></FONT></TD>
<TD ALIGN="CENTER" width="83"><FONT FACE="Times New Roman" SIZE="-1"><U>ABSTAIN</U></FONT></TD></TR>
<TR VALIGN="TOP"><TD width="26">&nbsp;</TD>
<TD width="430"></TD>
<TD width="40"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></FONT><FONT FACE="Times New Roman" SIZE="-1">2.</FONT></TD>
<TD width="430"><FONT FACE="Times New Roman" SIZE="-1">The approval of the appointment of Deloitte &amp;</FONT></TD>
<TD ALIGN="CENTER" width="40"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD>
<TD ALIGN="CENTER" width="92"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD>
<TD ALIGN="CENTER" width="83"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="26">&nbsp;</TD>
<TD width="430"></FONT><FONT FACE="Times New Roman" SIZE="-1">Touche, LLP as independent auditors for the</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></FONT><FONT FACE="Times New Roman" SIZE="-1">fiscal year ending June 30, 2004.</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></TD>
<TD width="40"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="26">&nbsp;</TD>
<TD width="430">&nbsp;</TD>
<TD ALIGN="CENTER" width="40">&nbsp;</TD>
<TD ALIGN="CENTER" width="92">&nbsp;</TD>
<TD ALIGN="CENTER" width="83">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="26"></FONT><FONT FACE="Times New Roman" SIZE="-1">3.</FONT></TD>
<TD width="430"><FONT FACE="Times New Roman" SIZE="-1">The adoption of the 2003 Stock Option Plan.</FONT></TD>
<TD ALIGN="CENTER" width="40"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD>
<TD ALIGN="CENTER" width="92"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD>
<TD ALIGN="CENTER" width="83"><FONT FACE="Times New Roman" SIZE="-1">[   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="26">&nbsp;</TD>
<TD width="430"></TD>
<TD width="40"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></FONT><FONT FACE="Times New Roman" SIZE="-1">4.</FONT></TD>
<TD width="430"><FONT FACE="Times New Roman" SIZE="-1">In their discretion, upon such other matters as may </FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></FONT><FONT FACE="Times New Roman" SIZE="-1">properly come before the meeting.</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></TD>
<TD width="40"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26">&nbsp;</TD>
<TD COLSPAN="3" width="564">&nbsp;</TD>
<TD width="83">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD COLSPAN="3" width="564"></FONT><b><FONT FACE="Times New Roman" SIZE="-1">The Board of Directors recommends a vote "FOR" the listed propositions.</STRONG></FONT></b></TD>
<TD width="83">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="430"></TD>
<TD width="40"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26">&nbsp;</TD>
<TD COLSPAN="4" width="648">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD COLSPAN="4" width="648"></FONT><FONT FACE="Times New Roman" SIZE="-1">This proxy also provides voting instructions to the Trustees of the Provident Savings Bank, F.S.B. </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5" width="675"><FONT FACE="Times New Roman" SIZE="-1">Employee Stock Ownership Plan for participants with shares allocated to their accounts.</FONT></TD></TR></TABLE>
<BR>
<FONT FACE="Times New Roman" SIZE="-1"><STRONG>

<hr noshade ALIGN=JUSTIFY><b>This proxy will be voted as directed, but if no instructions are specified this proxy will be voted for the
propositions stated.  If any other business is presented at such meeting, this proxy will be voted by the Board
of Directors in its best judgment.  At the present time, the Board of Directors knows of no other business to be
presented at the Annual Meeting.  This proxy also confers discretionary authority on the Board of Directors to
vote with respect to the election of any person as director where the nominees are unable to serve or for good
cause will not serve and matters incident to the conduct of the Annual Meeting.</STRONG></FONT></b>
<hr noshade>
</P>

</STRONG></FONT>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<CENTER>
<p>&nbsp;</p>
<p><FONT FACE="Times New Roman" SIZE="-1"><STRONG>THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS</STRONG></p>
</CENTER>
</FONT>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Should the undersigned be present and elect to vote at the Annual Meeting or at any adjournment thereof and
after notification to the Secretary of the Company at the Annual Meeting of the shareholder's decision to terminate this
proxy, then the power of said attorneys and proxies shall be deemed terminated and of no further force and effect.</FONT></P>

<P align="justify"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The undersigned acknowledges receipt from the Company prior to the execution of this proxy of the Notice
of Annual Meeting of Shareholders, a Proxy Statement dated October 21, 2003 and the 2003 Annual Report to
Shareholders.</FONT></P>

<BR WP="BR2">
<TABLE BORDER="0" WIDTH="100%">
<TR VALIGN="TOP"><TD COLSPAN="3"><FONT FACE="Times New Roman" SIZE="-1">Dated: <U>                                   </U>, 2003</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3">&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"></TD></TR>
<TR VALIGN="TOP"><TD>
<hr noshade>
</TD>
<TD></TD>
<TD>
<FONT FACE="Times New Roman" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1"><U></U></FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2"><FONT FACE="Times New Roman" SIZE="-1"><U></U>PRINT NAME OF SHAREHOLDER</FONT></TD>
<TD><FONT FACE="Times New Roman" SIZE="-1">PRINT NAME OF SHAREHOLDER</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><FONT FACE="Times New Roman" SIZE="-1"></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3">&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD>
</FONT><FONT FACE="Times New Roman" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1"></FONT><hr noshade>
</TD>
<TD></TD>
<TD>
<FONT FACE="Times New Roman" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1"></FONT><hr noshade>
</TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">SIGNATURE OF SHAREHOLDER </FONT></TD>
<TD><FONT FACE="Times New Roman" SIZE="-1"></TD>
<TD></FONT><FONT FACE="Times New Roman" SIZE="-1">SIGNATURE OF SHAREHOLDER</FONT></TD></TR></TABLE>




&nbsp;<p align="justify"><font size="2">Please sign exactly as your name appears on the enclosed card.  When signing as attorney, executor, administrator,
trustee or guardian, please give your full title.  If shares are held jointly, each holder should sign.

<BR WP="BR1"></font><BR WP="BR2">
<BR WP="BR1"><BR WP="BR2">
<FONT FACE="Times New Roman" SIZE="-1"><STRONG>PLEASE COMPLETE, DATE, SIGN AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED
POSTAGE-PREPAID ENVELOPE.</STRONG></FONT></p>

</BODY>
<p><font size="2">&lt;PAGE&gt;</font></p>

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end

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