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<SEC-DOCUMENT>0000939057-04-000368.txt : 20041006
<SEC-HEADER>0000939057-04-000368.hdr.sgml : 20041006
<ACCEPTANCE-DATETIME>20041006093218
ACCESSION NUMBER:		0000939057-04-000368
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041006
FILED AS OF DATE:		20041006
DATE AS OF CHANGE:		20041006
EFFECTIVENESS DATE:		20041006

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:		041067358

	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>prxy04.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. PROXY STATEMENT
<TEXT>
<HTML>
<TABLE BORDER="0" WIDTH=100% 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>
  <TD width="37" align="center"><b><font size="2">[&nbsp; ]</font></b></TD>
<TD width="682"><FONT SIZE="-1">Confidential, for use of the Commission only (as
permitted by Rule 14a-6(e)(2))</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-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><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,
  if Other Than the Registrant)</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">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
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" valign="top">
  <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 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>
<FONT SIZE="-1">
</P>









&nbsp;<p>









<FONT FACE="Times New Roman">&lt;PAGE&gt;</FONT></p>
<p>&nbsp;</p>
<p align="center">October 6, 2004

<BR WP="BR1"><BR WP="BR2">
<BR WP="BR1">&nbsp;</p>
<P><FONT FACE="Times New Roman">Dear Shareholder:</FONT></P>

<P><FONT FACE="Times New Roman">	&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 Thursday,
November 18, 2004, at 11:00 a.m., local time.</FONT></P>

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

<P><FONT FACE="Times New Roman">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 FACE="Times New Roman">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>/s/ Craig G. Blunden<BR>
<FONT FACE="Times New Roman">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>Craig G. Blunden<br>
<FONT FACE="Times New Roman">		&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>President and Chief Executive Officer<p>
&lt;PAGE&gt;

</p>
</P>

<P><FONT FACE="Times New Roman"><CENTER><STRONG>PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
3756 Central Avenue<BR>
Riverside, California 92506<BR>
(951) 686-6060</CENTER>
</STRONG></FONT></P>

<P><FONT FACE="Times New Roman"><STRONG><HR NOSHADE>
<CENTER>NOTICE OF ANNUAL MEETING OF SHAREHOLDERS<BR>
To Be Held On November 18, 2004</CENTER></STRONG>
<HR NOSHADE>
</P>

</STRONG></FONT>
<p>&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
Thursday, November 18, 2004, at 11:00 a.m., local time, for the following purposes:

<BR WP="BR1"></p>
<TABLE BORDER="0" WIDTH=100% cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="50" align="center" valign="top"><font size="2">(1)</font></TD>
<TD width="664" valign="top"><FONT FACE="Times New Roman" SIZE="-1">	To elect
three directors to serve for a term of three years;</FONT></TD></TR>
<tr>
  <TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="50" align="center" valign="top">&nbsp;</TD>
<TD width="664" valign="top">&nbsp;</TD>
</tr>
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">
  &nbsp;</TD>
  <TD width="50" align="center" valign="top">
  <font size="2">(2)</font></TD>
<TD width="664" valign="top"><FONT FACE="Times New Roman" SIZE="-1">	To
approve the appointment of Deloitte &amp; Touche, LLP as the Company's independent auditors for
the fiscal year ending June 30, 2005; and</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="50" align="center" valign="top">&nbsp;</TD>
<TD width="664" valign="top">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="50" align="center" valign="top"><font size="2">(3)</font></TD>
<TD width="664" valign="top"><FONT FACE="Times New Roman" SIZE="-1">	To
consider and act upon such other matters as may properly come before the meeting
or any adjournments thereof.</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="50" align="center" valign="top">&nbsp;</TD>
<TD width="664" valign="top">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="42" align="center" valign="top">&nbsp;</TD>
  <TD width="714" align="center" colspan="2" valign="top">
  <p align="left"><font size="2">&nbsp;&nbsp; Note:</font><FONT FACE="Times New Roman" SIZE="-1">&nbsp;
  The Board of Directors is not aware of any other business to come before the
  meeting.</FONT></TD>
</TR>
</TABLE>
<p><FONT FACE="Times New Roman">	&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 September 22, 2004 are entitled to notice of and to vote at the meeting and any adjournments or
postponements thereof.</FONT><BR WP="BR1"></p>
<P><FONT FACE="Times New Roman">	&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">						&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;
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; Secretary</EM><br><br>

Riverside, California<br>
October 6, 2004</FONT><P><FONT FACE="Times New Roman">

<HR NOSHADE>
<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.
<HR NOSHADE>
</P>
<p>&lt;PAGE&gt;</p>
<HR NOSHADE><Br>
<STRONG><center>PROXY STATEMENT<BR>
OF<BR>
PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
3756 Central Avenue<BR>
Riverside, California 92506</STRONG></CENTER><BR><BR>

<HR NOSHADE>
<STRONG><CENTER>ANNUAL MEETING OF SHAREHOLDERS<BR>
NOVEMBER 18, 2004</STRONG></CENTER><HR NOSHADE>

<p>&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
Thursday, November 18, 2004, 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 6, 2004. </p>
<P><FONT FACE="Times New Roman">

<HR NOSHADE>
<STRONG><CENTER>VOTING AND PROXY PROCEDURE</STRONG></CENTER>
<HR NOSHADE>
</P>

<p><EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholders Entitled to Vote.</EM>  Shareholders of record as of the close of business on September 22, 2004
("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 6,993,029 shares of Common Stock
issued and outstanding.

<BR WP="BR1"></p>
<P>&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
"street name"), 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.<EM></EM></P>

<P><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.</P>

<P>	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Voting.</EM>  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, and FOR the approval of the appointment of Deloitte &amp; Touche, LLP as the Company's
independent auditors for the fiscal year ending June 30, 2005.</P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The three 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.</P>

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

<P>&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.</P>

<P>	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proxies; Revocation of a Proxy.</EM>  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, and FOR the approval of the appointment of Deloitte &amp; Touche, LLP as
independent auditors. </P>

<P>&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.</P>

<P>&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.</P>

<P>	<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.<BR WP="BR2">
</P>

<P><FONT FACE="Times New Roman">
<HR NOSHADE><STRONG><CENTER>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</STRONG></CENTER>
<HR NOSHADE>
</P>

<p>&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"></p>
<P>&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
nominees for director, (b) each of the executive officers named in the Summary Compensation Table ("named executive
officers") and (c) all executive officers and directors of the Company as a group.</P>

<P align="center">2</P>

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

<BR WP="BR1"><BR WP="BR2">
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Number of Shares</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Percent of Shares</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">Beneficially Owned (1)</FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><font size="2" FACE="Times New Roman">Outstanding</font><HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2"><STRONG>Beneficial Owners of More Than 5%</STRONG></FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Provident Savings Bank, F.S.B.</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">816,387&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2"> 11.67%</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Employee Stock Ownership Plan Trust</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Neuberger Berman, Inc.</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      395,797 (2)&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">5.66&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">605 Third Avenue</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">New York, New York 10158</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Thomson Horstmann &amp; Bryant, Inc.</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      574,050 (3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">8.21&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Park 80 West, Plaza One</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Saddle Brook, New Jersey  07663</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Jeffrey L. Gendell</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      684,000 (4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">9.78&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Tontine Partners, L.P.</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Tontine Management L.L.C.</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Tontine Financial Partners L.P.</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Tontine Overseas Associates, L.L.C.</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">200 Park Avenue, Suite 3900</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">New York, New York 10166</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Wellington Management Company L.L.P.</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      483,075 (5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">6.91&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">75 State Street</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Boston, Massachusetts 02109</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2"><STRONG>Directors</STRONG></FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></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">  32,637&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</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">        32,446 (6)&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Debbi H. Guthrie</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">       59,476  (7)&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Seymour M. Jacobs</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      135,325 (8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1.94&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Robert G. Schrader</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">178,560&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2.55&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Roy H. Taylor</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">  86,629&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1.24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </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">  32,252&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</FONT></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2"><STRONG>Named Executive Officers</STRONG></FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">Craig G. Blunden**</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">            442,889 (9)(10)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">6.33&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Lilian Brunner</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">  57,651&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Thomas "Lee" Fenn</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">    9,900&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">*</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Richard L. Gale</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">  94,476&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1.35&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Donavon P. Ternes</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">        107,728 (10)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1.54&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" size="2">All Executive Officers and</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">1,237,209&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;   </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">17.69&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2"> Directors as a Group (12 persons)</FONT></TD>
<TD ALIGN="CENTER"><font size="2">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"></FONT><FONT FACE="Times New Roman" size="2"><CENTER><EM>(Footnotes appear on following page)</EM></CENTER>
</FONT></TD></TR></TABLE>

&nbsp;<p align="center">3</p>
<p>&lt;PAGE&gt;</p>
<p>________ <BR>
<TABLE BORDER="0" WIDTH=100% cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">*</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Less than one percent of shares outstanding.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">**</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Mr. Blunden is also a director of the Company.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(1)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">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. Schrader, 8,438 shares; Mr. Blunden, 10,750 shares; Ms. Brunner, 6,501 shares; Mr. Gale, 8,841
shares; Mr. Ternes, 2,115 shares; all executive officers and directors as a group, 36,645 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, 29,475 shares; Mr. Bennett, 1,800 shares; Ms.
Guthrie, 47,925 shares; Mr. Jacobs, 1,050 shares, Mr. Schrader, 900 shares; Mr. Taylor, 47,925 shares; Mr.
Thomas, 1,800 shares; Mr. Blunden, 235,425 shares; Ms. Brunner, 34,650 shares; Mr. Fenn, 9,900 shares; Mr.
Gale, 45,900 shares; Mr. Ternes, 55,500 shares; all executive officers and directors as a group, 512,250 shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(2)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Information concerning the shares owned by Neuberger Berman, Inc. as of December 31, 2003 was obtained
from a Schedule 13G.  According to this filing, Neuberger Berman, Inc., an investment advisor registered under
the Investment Advisers Act of 1940, has sole voting power with respect to 28,650 shares, shared voting power
with respect to 46,800 shares and sole dispositive power with respect to 395,797 shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(3)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Information concerning the shares owned by Thomson Horstmann &amp; Bryant, Inc. as of December 31, 2003 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
282,975 shares and sole dispositive power with respect to 574,050 shares.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(4)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">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, 2003 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="34"><FONT FACE="Times New Roman" size="2">(5)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Information concerning the shares owned by Wellington Management Company, L.L.P. as of December 31, 2003
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="34"><FONT FACE="Times New Roman" size="2">(6)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Includes 1,980 shares owned by Mr. Bennett's spouse.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(7)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Includes 11,250  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="34"><FONT FACE="Times New Roman" size="2">(8)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Consists of JAM Partners, L.P., JAM Managers, L.L.C., and Seymour M. Jacobs according to disclosures made
in an amended Schedule 13D filed on March 30, 2004.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(9)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Includes 8,010 shares owned by Mr. Blunden's spouse.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="34"><FONT FACE="Times New Roman" size="2">(10)</FONT></TD>
<TD width="631"><FONT FACE="Times New Roman" size="2">Includes 32,760 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 Mr. Blunden and Mr. Ternes will vote as trustees of such trust.</FONT></TD></TR></TABLE>

<BR WP="BR1">&nbsp;<HR NOSHADE>
<STRONG><CENTER>PROPOSAL I - ELECTION OF DIRECTORS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&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.  Three 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 Joseph P. Barr, Bruce W. Bennett and Debbi H. Guthrie,
each of whom is a current member of the Board of Directors of the Company.<FONT FACE="Times New Roman"></FONT>
</p>
<p align="center">4</p>
<p>&lt;PAGE&gt;<BR WP="BR1"></p>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	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.</P>

<P><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE ELECTION OF MESSRS.
BARR AND BENNETT AND MS. GUTHRIE.</STRONG></P>

<P>&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.<BR WP="BR2">
</P>

<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Age as of</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">Year First  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">June 30, 2004</FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><font size="2" FACE="Times New Roman">Director (1)</font><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><font size="2" FACE="Times New Roman">Expire</font><HR NOSHADE>
</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 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">Joseph P. Barr (3)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">58</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">      2007 (2)</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Bruce W. Bennett (3)</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">1993</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">      2007 (2)</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Debbi H. Guthrie (3)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">53</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">      2007 (2)</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"></FONT><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">Craig G. Blunden</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">56</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 VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Seymour M. Jacobs (3)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">43</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 VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Roy H. Taylor (3)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">53</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>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">Robert G. Schrader</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">65</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</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">William E. Thomas (3)</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">1997</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" size="2">2006</FONT></TD></TR></TABLE>
<BR>_______<BR>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" size="2">(1)</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">(2)</FONT></TD>
<TD><FONT FACE="Times New Roman" size="2">Assuming the individual is re-elected.</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">Serves on the Nominating and Corporate Governance Committee.</FONT></TD></TR></TABLE>

<BR WP="BR1">&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:<p>	<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 35 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.</p>
<p>	<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.</p>
<p>	<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.</p>
<p>	<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
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.</p>
<p align="center">5</p>
<p>&lt;PAGE&gt;</p>
<P>	<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.</P>

<P>	<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.</P>

<P>	<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.</P>

<P>	<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.</P>

<P><FONT FACE="Times New Roman">
<HR NOSHADE>
<STRONG><CENTER>MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&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, 2004, the Board of Directors of the Company held
11 meetings and the Board of Directors of the Bank held 11 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"></p>
<P>&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 has a Charter
which specifies its obligations and the Committee believes it has fulfilled its responsibilities under the Charter.  In July
2004, the Board of Directors adopted a revised Audit Committee Charter to reflect the new responsibilities imposed by
the Sarbanes-Oxley Act of 2002.  A copy of the revised Charter is attached to this proxy statement as Appendix A.  Each
member of the Audit Committee is "independent," in accordance with the requirements for companies quoted on The
Nasdaq Stock Market.  In addition, Mr. Barr meets the definition of "audit committee financial expert," as defined by
the Securities and Exchange Commission ("SEC").  The Audit Committee met four times during the fiscal year ended
June 30, 2004.</P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	On September 21, 2004, the Board of Directors established a Nominating Committee for selecting the nominees
for election as directors.  The Committee has a Charter which specifies its obligations, a copy of which is available on
the Company's website at www.myprovident.com.  Each member of the Committee is "independent," in accordance with
the requirements for companies quoted on The Nasdaq Stock Market.  As the Committee was recently  established, it
did not meet during the fiscal year ended June 30, 2004, but it did meet on September 21, 2004 to nominate directors
for election at the Annual Meeting. </P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Only those nominations made by the
Committee or properly presented by shareholders will be voted upon at the Annual
Meeting. In its deliberations for selecting candidates for nominees as director,
the Nominating Committee considers the candidate's knowledge of the banking
business and involvement in community, business and civic affairs, and also
considers whether the candidate would provide for adequate representation of its
market area. Any nominee for director made by the Committee must be highly
qualified with regard to some or all these attributes. In searching for
qualified director candidates to fill vacancies on the Board, the Committee
solicits its current Board of Directors for </P>

<P align="center">6</P>

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

<P>names of potentially qualified candidates. Additionally, the Committee may
request that members of the Board of Directors pursue their own business
contacts for the names of potentially qualified candidates. The Committee would
then consider the potential pool of director candidates, select the candidate
the Committee believes best meets the then-current needs of the Board, and
conduct a thorough investigation of the proposed candidate's background to
ensure there is no past history that would cause the candidate not to be
qualified to serve as a director of the Company. Although the Company's
Nominating Committee Charter does not specifically provide for the consideration
of shareholder nominees for directors, the Committee will consider director
candidates recommended by the Company's shareholders in accordance with the
Company's Certificate of Incorporation. Because the Company's Certificate of
Incorporation provides a process for shareholder nominations, the Committee did
not feel it was necessary to provide for shareholder nominations of directors in
its charter. If a shareholder submits a proposed nominee, the Committee would
consider the proposed nominee, along with any other proposed nominees
recommended by members of the Company's Board of Directors, in the same manner
in which the Committee would evaluate its nominees for director. For a
description of the proper procedure for shareholder nominations, see
&quot;Shareholder Proposals and Nominations&quot; in this proxy statement. </P>

<P>&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 four times during the fiscal year ended June 30, 2004.</P>

<P><FONT FACE="Times New Roman"><STRONG>Board Policies Regarding Communications with the Board of Directors and Attendance at Annual Meetings</STRONG></FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors maintains a process for shareholders to communicate with the Board of Directors.
Shareholders wishing to communicate with the Board of Directors may do so by mailing a letter marked "Confidential"
to the Board of Directors, Provident Financial Holdings, Inc., 3756 Central Avenue, Riverside, California 92506.  Any
communication must state the number of shares beneficially owned by the shareholder making the communication.  The
Company does not have a policy regarding Board member attendance at annual meetings of shareholders.  All eight
members of the Board of Directors attended the 2003 Annual Meeting of Shareholders.</P>

<P><FONT FACE="Times New Roman"><STRONG>Corporate Governance</STRONG></FONT></P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company and the Bank are committed to establishing and maintaining high standards of corporate
governance.  The Board of Directors is cognizant of its responsibility to comply with the provisions contained in the
Sarbanes-Oxley Act of 2002, the rules and regulations of the SEC adopted thereunder, and the Nasdaq Stock Market
with respect to corporate governance.  The Board and its committees will continue to evaluate and improve the
Company's and the Bank's corporate governance principles and policies as necessary and as required. </P>

<P>	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Code of Ethics.</EM>  On June 30, 1995, the Board of Directors adopted, and on June 24, 2004 revised, the Code
of Ethics.  The Code is applicable to the Company's employees, as well as the Board of Directors, Chief Executive
Officer, Chief Financial Officer, Senior Management and Controller, and requires individuals to maintain the highest
standards of professional conduct.  A copy of the Code of Ethics is available on the Company's website at
www.myprovident.com.</P>

<P><FONT FACE="Times New Roman">
<HR NOSHADE><STRONG><CENTER>DIRECTORS' COMPENSATION</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Non-employee directors of the Bank currently receive a monthly retainer of $2,000 and also receive a fee of
$400 for each committee meeting attended.  The committee chairman receives a fee of $500.  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.

<BR WP="BR1"></p>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; During the fiscal year ended June
30, 2004, non-employee Directors Barr, Bennett, Guthrie, Taylor and Thomas each
received options to acquire 6,000 shares of the Company's Common Stock under the
Company's 1996 Stock Option </P>

<P align="center">7</P>

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

<P>Plan; non-employee Director Jacobs received options to acquire 5,250 shares
of the Company's Common Stock under the Company's 1996 Stock Option Plan; and
non-employee Director Schrader received options to acquire 4,500 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. In addition,
non-employee Directors Barr, Bennett, Guthrie, Jacobs, Schrader, Taylor and
Thomas each received options to acquire 8,500 shares of the Company's Common
Stock under the Company's 2003 Stock Option Plan. These options vest at a rate
of 20% per year over a five year period. Options will become immediately
exercisable in the event of a change of control of the Company.</P>

<P><FONT FACE="Times New Roman">
<HR NOSHADE><STRONG><CENTER>EXECUTIVE COMPENSATION</STRONG></CENTER>
<HR NOSHADE>
</P>

<p><STRONG>Summary Compensation Table</STRONG>

<BR WP="BR1"></p>
<P>&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 four highest paid executive officers who received salary and bonus in excess of $100,000 during
the fiscal year ended June 30, 2004. </P>

<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER" valign="bottom"><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="2" 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="2" 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><i><FONT FACE="Times New Roman" SIZE="-2">Stock</EM></FONT></i></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>Award ($)(1)</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Options (#)(2)</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-2"><EM>Compensation ($)(3)</EM></FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="7"><font size="1">&nbsp; </font></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">2004</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$311,252</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$208,253</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">66,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$46,107</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Chief Executive Officer </FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2003</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;290,423</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;165,756</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">          &nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 47,490</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  and President</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2002</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1"> &nbsp;276,596</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1"> &nbsp;81,967</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 35,987</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="7"><font size="1">&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">2004</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$116,325</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$  40,320</FONT></TD>
<TD ALIGN="center"><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">18,500</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$26,964</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Senior Vice President-</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2003</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;111,825</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">  &nbsp;  43,173</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 21,322</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Chief Information Officer</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2002</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;107,550</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 21,566</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 16,632</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="1">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="1">Thomas "Lee" Fenn (4)</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2004</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$128,872</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; $44,100</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;           --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">63,500</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$11,100</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Senior Vice President -</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="1">  Chief Lending Officer</FONT></TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="TOP"><TD><font size="1">&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="1">Richard L. Gale</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2004</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$  99,996</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$585,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">14,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$34,622</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Senior Vice President-</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2003</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">  &nbsp;  99,996</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;585,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 30,926</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1">  Mortgage Banking</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2002</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 99,996 </FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;585,000</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 22,348</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="1">&nbsp;</font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></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">2004</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$150,675</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$  76,342</FONT></TD>
<TD ALIGN="center"><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">36,500</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">$36,146</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1"> Chief Financial Officer</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2003</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;138,002</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">  &nbsp;  51,677</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">114,800</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 28,513</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="1"> and Secretary</FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="1">2002</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;129,377</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 28,125</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp;&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; --</FONT></TD>
<TD ALIGN="center"><FONT FACE="Times New Roman" SIZE="1">&nbsp; 10,519</FONT></TD></TR></TABLE>
_________

<TABLE BORDER="0" WIDTH="672" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="22"><FONT FACE="Times New Roman" SIZE="1">(1)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="1">Represents the total value of the award of restricted Common Stock on July 23, 2002 to Mr. Ternes in the amount of 8,400
shares.  Mr. Ternes was also awarded 36,000 shares of restricted Common Stock on November 1, 2000.  Each award vests
ratably over a five-year period.  At June 30, 2004, the value of the unvested restricted Common Stock awards was $499,488.
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="22"><FONT FACE="Times New Roman" SIZE="1">(2)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="1">Each option granted vests at the rate of 20 percent per annum.  Options will become immediately exercisable in the event of a
change in control of the Company.  Each option was granted under the Company's 1996 Stock Option Plan or the Company's
2003 Stock Option Plan and has an exercise price equal to the fair market value of the Common Stock on the date of the grant.
Options granted for 2004 reflect: for Mr. Blunden, 24,000 options were granted on September 24, 2003 and 42,000 options were
granted on April 23, 2004; for Ms. Brunner, 4,500 options were granted on September 24, 2003 and 14,000 options were granted
on April 23, 2004; for Mr. Fenn, 45,000 options were granted on July 31, 2003, 4,500 options were granted on September 23,
2003 and 14,000 options were granted on April 23, 2004; for Mr. Gale, 4,500 options were granted on September 24, 2003 and
9,500 options were granted on April 23, 2004; for Mr. Ternes, 7,500 options were granted on September 24, 2003 and 29,000
options were granted on April 23, 2004.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="665" colspan="2">&nbsp;<p align="center">
  <font size="2">8</font></p>
  <p><font size="2">&lt;PAGE&gt;</font></p>
  <p>&nbsp;</TD>
</TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="668"></TD></TR>
<TR VALIGN="TOP"><TD width="22"></FONT><FONT FACE="Times New Roman" SIZE="1">(3)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="1">Amounts for 2004 reflect:  for Mr. Blunden, supplemental life insurance premium of $11,654, employer contribution to 401(k)
Plan of $6,412 and employer contribution to ESOP of $25,022; for Ms. Brunner, employer contribution to 401(k) Plan of $3,691
and employer contribution to ESOP of $19,674; for Mr. Fenn, employer contribution to 401(K) Plan of $2,100 and relocation
expenses of $3,500; for Mr. Gale, employer contribution to 401(k) Plan of $6,000 and employer contribution to ESOP of
$25,022; and for Mr. Ternes, employer contribution to 401(k) Plan of $5,727 and employer contribution to ESOP of $24,419.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="22"><FONT FACE="Times New Roman" SIZE="1">(4)</FONT></TD>
<TD width="643"><FONT FACE="Times New Roman" SIZE="1">Mr. Fenn joined the Company effective July 31, 2003.</FONT></TD></TR></TABLE>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Option Grants in Last Fiscal Year</STRONG></FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table sets forth information concerning the grant of stock options to the Chief Executive Officer
and named executive officers during the fiscal year ended June 30, 2004. </FONT>

<BR WP="BR1"><BR WP="BR2">
<TABLE WIDTH="100%" cellspacing="1" border="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD COLSPAN="5" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Individual Grants</EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>Number of<br>
Securities<br>
Underlying<br>
Options</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Percent of<br>
Total Options<br>
Granted to<Br>
Employees<br>
in Fiscal</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Exercise<br>
Price</EM></FONT></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Expiration</EM></FONT></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>
Potential Realizable Value<br>
at Assumed Annual Rates<Br>
of Stock price Appreciation<br>
for Option Term (2)</EM></FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><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>Granted (1)</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Year</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>(per share)</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Date</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>5%</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>10%</EM></FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">&nbsp;&nbsp; </font></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">24,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">       &nbsp;&nbsp;&nbsp;&nbsp;       6.25%</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$20.23</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">09/24/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$305,341</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$   773,794</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">42,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">10.93</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 24.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">04/23/14</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 655,057</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">1,660,042</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">4,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp; 1.17%</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$20.23</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">09/24/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$  57,251</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$   145,086</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">14,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">3.64</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 24.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">04/23/14</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 218,352</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 553,347</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Thomas "Lee" Fenn</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">45,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; 11.71%</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$20.33</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">07/31/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$575,344</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$1,458,035</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">4,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">1.17</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 20.23</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">09/24/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp; 57,251</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; 145,086</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">14,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">3.64</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 24.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">04/23/14</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 218,352</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; 553,347</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Richard L. Gale</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">4,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp; 1.17%</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$20.23</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">09/24/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$  57,251</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$   145,086</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">9,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">2.47</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 24.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">04/23/14</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 148,168&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; 375,486</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD>
<TD ALIGN="center" VALIGN="BOTTOM"></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT FACE="Times New Roman" SIZE="-1">Donavon P. Ternes</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">7,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp;&nbsp; 1.95%</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$20.23</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">09/24/13</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$  95,419</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$   241,811</FONT></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp;</font></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"></FONT><FONT FACE="Times New Roman" SIZE="-1">29,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">7.55</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 24.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">04/23/14</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp; 452,301</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">1,146,220</FONT></TD></TR></TABLE>
_________<FONT FACE="Times New Roman" SIZE="-1"></FONT>

<TABLE WIDTH="672" cellspacing="1" border="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="29"><FONT FACE="Times New Roman" SIZE="-1">(1)</FONT></TD>
<TD width="636"><FONT FACE="Times New Roman" SIZE="-1">The reported option grants vest at the rate of 20% per annum.  Options will become immediately exercisable in the event of a
change in control of the Company.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="29"><FONT FACE="Times New Roman" SIZE="-1">(2)</FONT></TD>
<TD width="636"><FONT FACE="Times New Roman" SIZE="-1">The dollar gains under these columns result from calculations required by the SEC's rules and are not intended to forecast future
price appreciation of the Common Stock of the Company.  It is important to note that options have value to the listed executives
only if the stock price increases above the exercise price shown in the table during the effective option period.  In order for the
listed executives to realize the potential values set forth in the 5% and 10% columns in the table, the price per share of the
Common Stock would be approximately $37.06 and $59.01, respectively, as of the expiration of the options.</FONT></TD></TR></TABLE>

<p align="center">

<BR WP="BR1"><BR WP="BR2">
9</p>
<p>&lt;PAGE&gt;<BR WP="BR1"><BR WP="BR2">
</p>
<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Option Exercise/Value Table</STRONG></FONT></P>

<P><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, 2004, and
remaining unexercised at the end of the fiscal year, is presented for the Chief Executive Officer and the named executive
officers.</FONT><BR WP="BR2">
</P>

<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">Number of</EM></FONT></TD>
<TD COLSPAN="2" ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>Securities Underlying</EM></FONT></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Value of Unexercised</EM></FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&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>Unexercised Options </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="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></EM></FONT><FONT FACE="Times New Roman" SIZE="-1"><EM>Shares<br>
Acquired on</EM></FONT></TD>
<TD ALIGN="CENTER"><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>at Fiscal Year End(#)</EM></FONT><font size="2">
</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($)(1)</EM></FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Name</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Exercise (#)</EM></FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1"><EM>Realized($)</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="BOTTOM"><TD></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$          --</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">230,625&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">66,000</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$3,890,644</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">$ 82,080&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">33,750</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">18,500</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">489,375</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">15,390&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Thomas "Lee" Fenn</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">63,500</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">164,790&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="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">45,000</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">14,000</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">759,150</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">15,390&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="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">--</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">40,500</FONT></TD>
<TD ALIGN="center" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">63,500</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">622,485</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT FACE="Times New Roman" SIZE="-1">440,640&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD></TR></TABLE>
<FONT FACE="Times New Roman" SIZE="-1">_________</FONT>

<TABLE BORDER="0" WIDTH="672" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="28"><FONT FACE="Times New Roman" SIZE="-1">(1)</FONT></TD>
<TD width="644"><FONT FACE="Times New Roman" SIZE="-1">Value of unexercised in-the-money stock options equals the market value of shares covered by in-the-money options on  June&nbsp;30,
2004 less the option exercise price. Options are in-the-money if the market value of shares covered by the options is greater than
the exercise price. </FONT></TD></TR></TABLE>

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Employment Agreements</STRONG></FONT>
<BR WP="BR1">&nbsp;<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
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 $325,000.
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><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><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, 2004, based solely on the cash compensation paid to Mr. Blunden during 2004 and excluding the value of any
other employee benefits which may be payable, Mr. Blunden would have received a payment of approximately
$1,558,515.  </FONT><FONT FACE="Times New Roman" SIZE="-1">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>

</font>
<font size="-1">
<P align="center">10</P>

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

</font>
<font size="2">&nbsp;<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>Post-Retirement Compensation Agreement</STRONG></FONT></P>

<P><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 $12,198.  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, 2004, the accrued liability of the Bank with respect to
its obligations under the agreement was $1,344,194.  </FONT></P>

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

<P><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 Ms. Brunner and Messrs. Fenn, Gale
and Ternes. 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 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><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.  </FONT><FONT FACE="Times New Roman" SIZE="-1">If a change
in control of the Company or the Bank occurred during the fiscal year ending June 30, 2004, 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:  Ms. Brunner, $239,400; Mr. Fenn, $280,000; Mr. Gale, $199,992; and Mr. Ternes,
$315,700.</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1">
<HR NOSHADE><STRONG><CENTER>AUDIT COMMITTEE MATTERS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p><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><FONT FACE="Times New Roman" SIZE="-1">A copy of the Audit Committee Charter is attached to this Proxy
Statement as Appendix A.</FONT><FONT FACE="Times New Roman" SIZE="-1"></FONT>
</p>
<p align="center">11</p>
<p>&lt;PAGE&gt;<BR WP="BR1"><BR WP="BR2">
</p>
<P><FONT FACE="Times New Roman" SIZE="-1">	<STRONG>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, 2004:</FONT></P>

<UL>
  <LI><FONT FACE="Times New Roman" SIZE="-1">	The Audit Committee has
  completed its initial review and discussion of the Company's 2004 audited
  financial statements with management;</FONT></LI>

<BR WP="BR1"><BR WP="BR2">  <LI><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><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 <EM></EM></FONT></LI>

<BR WP="BR1"><BR WP="BR2">  <LI><FONT FACE="Times New Roman" SIZE="-1">The Audit Committee has, based on its review and discussions with management of the Company's
2004 audited financial statements and discussions with the independent auditors, recommended to the
Board of Directors that the Company's audited financial statements for the year ended June 30, 2004
be included in the Company's Annual Report on Form 10-K<EM>.</EM></FONT></LI>

<BR WP="BR1"></UL>

<P><FONT FACE="Times New Roman" SIZE="-1">		&nbsp;&nbsp;&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;			</EM>Joseph P. Barr, Chairman</FONT><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;
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;
Debbi H. Guthrie</FONT></P>

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

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

<HR NOSHADE>
<STRONG><center>COMPENSATION COMMITTEE MATTERS</STRONG></center>
<HR NOSHADE>
</P>

</FONT>
<p><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><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><FONT FACE="Times New Roman" SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; General.</EM> <STRONG> </STRONG>
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 </FONT></P>

<P align="center">12</P>

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

<P><FONT FACE="Times New Roman" SIZE="-1">	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><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><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><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 50% of salary for the Chief Executive Officer, up to 38% of salary for the Chief Financial Officer, up to 25% 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 Company performs better than the business plan and/or the
individual employee performs better than the baseline performance requirement.</FONT></P>

<P><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><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, 2004, the base salary of
Craig G. Blunden, President and Chief Executive Officer of the Bank, was $311,252 along with an incentive bonus of
$208,253.  The Committee believes Mr. Blunden's current compensation is appropriate based on competitive salary
surveys and the performance of the Bank.</FONT></P>

<P><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 recommended an increase in Board fees in February 2004.</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;		Personnel/Compensation Committee:&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;
William E. Thomas</FONT></P>

<P><FONT FACE="Times New Roman" SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Compensation Committee Interlocks and Insider Participation.  </STRONG>No members of the Personnel/
Compensation Committee were officers or employees of the Company or any of its subsidiaries during the year ended
June 30, 2004, were formerly Company officers or had any relationships otherwise requiring disclosure.</FONT></P>

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

<P><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>

<BR WP="BR1"><BR WP="BR2">
<P ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">COMPARISON OF CUMULATIVE TOTAL RETURN *</FONT></P>


<P>
<FONT FACE="Times New Roman" SIZE="-1">
<center><img src="prxy04.jpg" width="625" height="415" ></center></FONT></P>


<BR WP="BR1"><BR WP="BR2">
&nbsp;<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/98</FONT><FONT FACE="Times New Roman" SIZE="-1"><HR NOSHADE>
</TD>
<TD ALIGN="CENTER"></FONT><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>
<TD ALIGN="CENTER"><FONT FACE="Times New Roman" SIZE="-1">6/30/04</FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Provident Financial Holdings, Inc.</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$100.00</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$&nbsp; 96.32</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$&nbsp;  67.19</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$112.05</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$161.83</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$214.40</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">$263.95</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Nasdaq Stock Index</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">100.00</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">143.60</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">212.29</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">115.27</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">78.52</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">87.19</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">109.89</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">Nasdaq Bank Index</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">100.00</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">98.77</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">81.02</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">112.51</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">126.24</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">128.16</FONT></TD>
<TD ALIGN="RIGHT"><FONT FACE="Times New Roman" SIZE="-1">153.60</FONT></TD></TR></TABLE>

* Assumes that the value of the investment in the Company's Common Stock and each index was $100 on June 30, 1998
and that all dividends were reinvested.

<p align="center">14</p>
<p>&lt;PAGE&gt;</p>

<P><FONT FACE="Times New Roman" SIZE="-1">
<HR NOSHADE>
<STRONG><CENTER>SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</STRONG></CENTER>
<HR NOSHADE>
</P>
</FONT>

<P><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><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, 2004,
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>
<STRONG><CENTER>TRANSACTIONS WITH MANAGEMENT</STRONG></CENTER>
<HR NOSHADE>
</P>
</FONT>

<P><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>
<STRONG><CENTER>PROPOSAL II - APPROVAL OF APPOINTMENT OF INDEPENDENT AUDITORS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Deloitte &amp; Touche, LLP served as the Company's  independent auditors for the fiscal year ended June 30,
2004.  The Audit Committee of the Board of Directors has appointed Deloitte &amp; Touche, LLP as independent auditors
for the fiscal year ending June&nbsp;30, 2005, 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 or she so desires.

<BR WP="BR1"></p>
<P><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table sets forth the aggregate fees billed to the Company by Deloitte &amp; Touche, LLP for
professional services rendered for the fiscal years ended June 30, 2004 and 2003. </FONT><BR WP="BR2">
</P>

<TABLE WIDTH="538" cellspacing="1" border="0" style="border-collapse: collapse" bordercolor="#111111" ALIGN=CENTER>
<TR VALIGN="TOP"><TD width="339"></TD>
<TD COLSPAN="2" ALIGN="CENTER" width="192"><FONT FACE="Times New Roman" SIZE="-1">June 30,</FONT><FONT FACE="Times New Roman" SIZE="-1"><HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD width="339"></TD>
<TD ALIGN="CENTER" width="98"></FONT><FONT FACE="Times New Roman" SIZE="-1">2004</FONT><HR NOSHADE>
</TD>
<TD ALIGN="CENTER" width="91"><FONT FACE="Times New Roman" SIZE="-1">2003</FONT><HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD width="339"><FONT FACE="Times New Roman" SIZE="-1">Audit Fees	</FONT></TD>
<TD ALIGN="right" width="98"><FONT FACE="Times New Roman" SIZE="-1">$165,970      </FONT></TD>
<TD ALIGN="right" width="91"><FONT FACE="Times New Roman" SIZE="-1">$151,450     </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="339"><FONT FACE="Times New Roman" SIZE="-1">Audit-Related Fees	</FONT></TD>
<TD ALIGN="right" width="98"><FONT FACE="Times New Roman" SIZE="-1">2,400 (1)</FONT></TD>
<TD ALIGN="right" width="91"><FONT FACE="Times New Roman" SIZE="-1">-     </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="339"><FONT FACE="Times New Roman" SIZE="-1">Tax Fees	</FONT></TD>
<TD ALIGN="right" width="98"><FONT FACE="Times New Roman" SIZE="-1">36,172      </FONT></TD>
<TD ALIGN="right" width="91"><FONT FACE="Times New Roman" SIZE="-1">    39,750     </FONT></TD></TR>
<tr>
  <TD width="339"><FONT FACE="Times New Roman" SIZE="-1">All Other Fees	</FONT></TD>
<TD ALIGN="right" width="98"><FONT FACE="Times New Roman" SIZE="-1">-      </FONT></TD>
<TD ALIGN="right" width="91"><FONT FACE="Times New Roman" SIZE="-1">-     </FONT></TD>
</tr>
</TABLE>

<TABLE WIDTH="538" cellspacing="1" border="0" style="border-collapse: collapse" bordercolor="#111111" ALIGN=CENTER>
<tr>
  <TD width="30" valign="top">
  <p align="left"><font size="2">(1)</font></TD>
<TD ALIGN="RIGHT" width="501" valign="top">
<p align="left"><FONT FACE="Times New Roman" size="2">

Includes fees paid to Deloitte &amp; Touche, LLP for <FONT FACE="Times New Roman" SIZE="-1">consulting on financial accounting/reporting standards
and controls.</FONT></TD>
</tr>
</TABLE>
&nbsp;<FONT FACE="Times New Roman" SIZE="-1"> </FONT><FONT FACE="Times New Roman" SIZE="-1"></FONT>

<BR WP="BR1"><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Audit Committee will establish general guidelines for the permissible scope and nature of any permitted
non-audit services to be provided by the independent auditors in connection with its annual review of its Charter.
Pre-approval may be granted by action of the full Audit Committee or by delegated authority to one or more members
of the Audit Committee.  If this authority is delegated, all approved non-audit services will be presented to the Audit
Committee at its next meeting.  In considering non-audit services, the Audit Committee or its delegate will consider
various factors, including but not limited to, whether it would be beneficial to have the service provided by the
independent auditors and whether the service could compromise the independence of the independent auditors.</FONT></font><font size="-1"><p align="center">
15</p>
<p>&lt;PAGE&gt;</p>
</font>
<font size="2">

<BR WP="BR1">
<P><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, 2005.</STRONG></FONT></P>

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

<HR NOSHADE><STRONG><CENTER>OTHER MATTERS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	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"></p>
<P><FONT FACE="Times New Roman" SIZE="-1">

<HR NOSHADE><STRONG><CENTER>MISCELLANEOUS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	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.

<BR WP="BR1"></p>
<P><FONT FACE="Times New Roman" SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company's 2004 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><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, 2004, 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><BR WP="BR2">
</P>

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

<HR NOSHADE><STRONG><CENTER>SHAREHOLDER PROPOSALS</STRONG></CENTER>
<HR NOSHADE>
</P>

</FONT>
<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Proposals of shareholders intended to be presented at the Company's Annual Meeting to be held in November
2005 must be received by the Company no later than June 8, 2005 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. </p>

<P><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 2004 Annual Meeting must be made by October
18, 2004. 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. </FONT></P>

</font></font>
<font size="-1">

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

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

</font>
<font size="2">

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Secretary</EM><br>

Riverside, California<br>
October 6, 2004<p align="center">17</p>
<p>&lt;PAGE&gt;</FONT></p>
<P ALIGN="RIGHT"><FONT FACE="Arial" SIZE="-1"></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG></STRONG></FONT><FONT SIZE="-1"><STRONG>Appendix A</STRONG></FONT></P>

<BR WP="BR1"><BR WP="BR2">
<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>PROVIDENT FINANCIAL HOLDINGS, INC.</STRONG></FONT></P>

<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>PROVIDENT SAVINGS BANK</STRONG></FONT></P>

<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>AUDIT COMMITTEE CHARTER</STRONG></FONT></P>

<FONT SIZE="-1">The Audit Committee ("Committee") is a committee of directors established by the Board of Directors ("Board")
with the mission, authority, organization and responsibilities in accordance with all regulatory requirements,
including but not limited to the NASDAQ Rules on Corporate Governance and applicable sections of the Sarbanes-Oxley Act, as follows:</FONT></P>

<P><FONT SIZE="-1"><STRONG>MISSION STATEMENT</STRONG></FONT></P>

<P><FONT SIZE="-1">The mission of the Committee is to assist the Board in fulfilling its fiduciary responsibilities relating to the quality
and integrity of the Company's and its subsidiaries' financial information reporting and related internal control and
monitoring systems.  Internal controls include, but are not limited to, those controls over financial reporting,
regulatory compliance, operations and information systems. To achieve this mission, the Committee will:</FONT><BR WP="BR2">
</P>

<UL>
  <LI><FONT SIZE="-1">Oversee and appraise the adequacy, objectivity and independence of the internal audit function.</FONT></P>
</ul>

<UL>
  <LI><FONT SIZE="-1">Maintain open and regular communication between the Board, internal auditors and the independent accountants.</FONT></P>
</ul>

<UL>
  <LI><FONT SIZE="-1">Perform its responsibilities in an informed and vigilant manner to ensure compliance with laws and regulations.</FONT></P>
</ul>

<UL>
  <LI><FONT SIZE="-1">Employ such resources in the performance of its duties, including separate legal counsel, as it may deem necessary.</FONT></P>
</ul>

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

<P><FONT SIZE="-1">The Committee is authorized by the Board to perform its responsibilities.</FONT></P>

<P><FONT SIZE="-1">The Committee is authorized to conduct or authorize investigations into any activity of the Company and its
subsidiaries. The Committee shall be empowered to retain independent counsel, accountants, or others to assist in investigations or other responsibilities when deemed necessary.</FONT></P>

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

<P><FONT SIZE="-1">The Committee shall consist of a Chairman and members who are appointed by the Chairman of the Board and
approved by the full board of outside directors. The Committee shall consist of three members who are outside
directors. Each Committee member shall also meet the independence and financial literacy requirements for serving
on audit committees, and at least one member must qualify as a "financial expert" in accordance with regulatory
requirements and have accounting or related financial management expertise.</FONT></P>

<p align="center"><font size="2">A-1</font></p>
<p><font size="2">&lt;PAGE&gt;<BR WP="BR1"></font><BR WP="BR2">
</p>
<P><FONT SIZE="-1"><STRONG>RESPONSIBILITIES</STRONG></FONT></P>

<P><FONT SIZE="-1">The Committee shall meet at least quarterly to accomplish the responsibilities relative to the following:</FONT></P>

<P><FONT SIZE="-1">A.&nbsp;&nbsp;&nbsp;&nbsp; The Company's independent accountant</FONT></P>

<UL>
  <LI><FONT SIZE="-1">Recommend to the full Board the appointment, compensation and discharge of the independent
accountant. Review the independence, qualifications, engagement letter, audit scope, related
services and fees of current or prospective accountants.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Annually review with management, the Manager of Internal Audit and independent accountant,
the Company's audited financial statements and reports regarding the adequacy of the internal
control system. Review and consider any significant findings and recommendations. Review
management's responses and monitor corrective actions. Meet privately with individuals, as
necessary.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Evaluate management's cooperation with the independent accountants, including their access to
all requested records, data and information. Review differences of opinion between the
independent accountants and management on accounting issues. Evoke and consider
management's opinion of the independent accountant's effectiveness and responsiveness to its
needs.</FONT></LI>
</UL>

<P><FONT SIZE="-1">B.&nbsp;&nbsp;&nbsp;&nbsp; The Company's Internal Audit function</FONT></P>

<UL>
  <LI><FONT SIZE="-1">Participate in the selection of the Manager of Internal Audit.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Review and approve the Internal Audit Department Charter, Internal Audit plans, programs,
policies and procedures. Monitor the department's achievements relative to such documents.
Confirm and ensure the independence of the internal auditors.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Oversee and evaluate the adequacy and effectiveness of the Internal Audit function. Review
Internal Audit reports noting any significant findings and recommendations. Review
management's responses and monitor corrective actions. Review any differences of opinion
encountered that may have impaired the effectiveness of audits performed. The Manager of
Internal Audit is encouraged to communicate directly and independently with Committee members
regarding unresolved differences of opinion between Internal Audit and management. Evaluate
the adequacy of the Internal Audit Department staffing and budget. Participate in the performance
evaluation of the Manager of Internal Audit prepared by the Chief Executive Officer.</FONT></LI>
</UL>

<P><FONT SIZE="-1">C.&nbsp;&nbsp;&nbsp;&nbsp; External Examinations</FONT></P>

<P><FONT SIZE="-1">Review with management and the Manager of Internal Audit any reports and significant findings and recommendations provided by Bank regulators.&nbsp; Review management's responses and monitor corrective actions.</FONT></P>

<P><FONT SIZE="-1">D.&nbsp;&nbsp;&nbsp;&nbsp; Whistleblower Hotline</FONT></P>

<P><FONT SIZE="-1">Administer all functions related to the Company's Whistleblower Hotline as required by the Sarbanes-Oxley Act, Section 301(4).</FONT></P>

<P><FONT SIZE="-1">E.	 General and Administrative</FONT></P>

<UL>
  <LI><FONT SIZE="-1">Inquire of management, the Manager of Internal Audit, and independent	accountant about significant risks, exposures or internal control weaknesses.  Assess the action taken to minimize such conditions.</FONT></UL>

<p align="center"><font size="-1">A-2</font></p>
<p><font size="-1">&lt;PAGE&gt;</font></p>
</P>

<UL>
  <LI><FONT SIZE="-1">Assess the integrity of financial reporting on a continual basis through inquiries of management,
the Manager of Internal Audit and independent accountant.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Review with the Manager of Internal Audit and the independent accountant the coordination of
efforts to ensure complete audit coverage, reduction of redundant efforts and the effective use of
audit resources.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Monitor the Company's compliance through corporate reporting and inquiries of the Manager of
Internal Audit, management and independent accountant relating to legal and regulatory matters.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Request management or others to attend meetings to provide useful perspectives and pertinent
information, as necessary.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Maintain minutes and other records of meetings and Committee activities. Provide records, when
requested, to the independent accountant and Bank regulators.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">The Audit Committee of the Board of Directors shall review and reassess this charter annually and
recommend any proposed changes to the Board for approval.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Ensure the effectiveness of the Committee by expanding the knowledge of its members through
continual training and education.</FONT></LI>
</UL>

<UL>
  <LI><FONT SIZE="-1">Perform such additional functions as prudent to fulfill the Committee's responsibilities or as
directed by the Board.</FONT></LI>
</UL>

<P><FONT FACE="Times New Roman" SIZE="-1"><CENTER>A-3</CENTER>
<p align="left">&lt;PAGE&gt;</p>
<CENTER>
<p><STRONG>REVOCABLE PROXY<BR>
PROVIDENT FINANCIAL HOLDINGS, INC.<BR><BR>

ANNUAL MEETING OF SHAREHOLDERS<BR>
NOVEMBER 18, 2004</STRONG></CENTER>
</FONT></P>

<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 Thursday,
November 18, 2004, at 11:00 a.m., local time, and at any and all adjournments thereof, as follows:</FONT><BR WP="BR1"><BR WP="BR2">
<TABLE BORDER="0" WIDTH="672" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></TD>
<TD ALIGN="CENTER" width="53"><FONT FACE="Times New Roman" SIZE="-1"><U>FOR</U></FONT></TD>
<TD ALIGN="CENTER" width="140"><FONT FACE="Times New Roman" SIZE="-1"><U>WITHHELD</U></FONT></TD></TR>
<TR VALIGN="TOP"><TD width="28"><font size="2">&nbsp;</font></TD>
<TD COLSPAN="2" width="438"></TD>
<TD width="53"></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></FONT><FONT FACE="Times New Roman" SIZE="-1">1</FONT></TD>
<TD COLSPAN="2" width="438"><FONT FACE="Times New Roman" SIZE="-1">The election as director of the nominees</FONT></TD>
<TD ALIGN="CENTER" width="53"><FONT FACE="Times New Roman" SIZE="-1">[&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER" width="140"><FONT FACE="Times New Roman" SIZE="-1">[&nbsp;   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="28"><font size="2">&nbsp;</font></TD>
<TD COLSPAN="2" width="438"></FONT><FONT FACE="Times New Roman" SIZE="-1">listed below (except as marked to the</FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></FONT><FONT FACE="Times New Roman" SIZE="-1">contrary below).</FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"><font size="2">&nbsp; </font></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></FONT><FONT FACE="Times New Roman" SIZE="-1">Joseph P. Barr</FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></FONT><FONT FACE="Times New Roman" SIZE="-1">Bruce W. Bennett</FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></FONT><FONT FACE="Times New Roman" SIZE="-1">Debbi H. Guthrie</FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"><font size="2">&nbsp; </font></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></FONT><b><FONT FACE="Times New Roman" SIZE="-1">INSTRUCTIONS:  To withhold your vote</STRONG></FONT></b></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>for any individual nominee, write the</STRONG></FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"></STRONG></FONT><FONT FACE="Times New Roman" SIZE="-1"><STRONG>nominee's name on the line below.</STRONG></FONT></TD>
<TD width="53"><font size="2">&nbsp;</font></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"><font size="2">&nbsp; </font></TD>
<TD width="53"></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD width="212">
<FONT FACE="Times New Roman" SIZE="-1"><STRONG><HR NOSHADE>
</TD>
<TD width="223"></TD>
<TD width="53"></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD COLSPAN="2" width="438"><font size="2">&nbsp; </font></TD>
<TD width="53"></TD>
<TD width="140"></TD></TR>
<TR VALIGN="TOP"><TD width="28"></TD>
<TD width="212">
<FONT FACE="Times New Roman" SIZE="-1"><HR NOSHADE>
</TD>
<TD width="223"></TD>
<TD width="53"></TD>
<TD width="140"></TD></TR></TABLE>

<TABLE BORDER="0" WIDTH="672" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"></TD>
<TD ALIGN="CENTER" width="47"><u><FONT FACE="Times New Roman" SIZE="-1">FOR</U></FONT></u></TD>
<TD width="92"><FONT FACE="Times New Roman" SIZE="-1"><U>
<P ALIGN="CENTER">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"><font size="2">&nbsp;</font></TD>
<TD width="408"></TD>
<TD width="47"></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="408"><FONT FACE="Times New Roman" SIZE="-1">The approval of the appointment of Deloitte &amp;</FONT></TD>
<TD ALIGN="CENTER" width="47"><FONT FACE="Times New Roman" SIZE="-1">[&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER" width="92"><FONT FACE="Times New Roman" SIZE="-1">[&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER" width="83"><FONT FACE="Times New Roman" SIZE="-1">[&nbsp;   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="26"><font size="2">&nbsp;</font></TD>
<TD width="408"></FONT><FONT FACE="Times New Roman" SIZE="-1">Touche, LLP as independent auditors for the</FONT></TD>
<TD width="47"><font size="2">&nbsp;</font></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"></FONT><FONT FACE="Times New Roman" SIZE="-1">fiscal year ending June 30, 2005.</FONT></TD>
<TD width="47"><font size="2">&nbsp;</font></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"><font size="2">&nbsp; </font></TD>
<TD width="47"><font size="2">&nbsp;</font></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></FONT><FONT FACE="Times New Roman" SIZE="-1">3</FONT></TD>
<TD width="408"><FONT FACE="Times New Roman" SIZE="-1">In their discretion, upon such other matters as may </FONT></TD>
<TD width="47"><font size="2">&nbsp;</font></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"></FONT><FONT FACE="Times New Roman" SIZE="-1">properly come before the meeting.</FONT></TD>
<TD width="47"><font size="2">&nbsp;</font></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"><font size="2">&nbsp; </font></TD>
<TD width="47"></TD>
<TD width="92"></TD>
<TD width="83"></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD COLSPAN="3" width="553"></FONT><FONT FACE="Times New Roman" SIZE="-1">The Board of Directors recommends a vote "FOR" the listed propositions.</STRONG></FONT></TD>
<TD width="83"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD width="408"><font size="2">&nbsp; </font></TD>
<TD width="47"></TD>
<TD width="92"></TD>
<TD width="83"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD width="26"></TD>
<TD COLSPAN="4" width="639"></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="668"><FONT FACE="Times New Roman" SIZE="-1">Employee Stock Ownership Plan for participants with shares allocated to their accounts.</FONT></TD></TR></TABLE>
</P>
<FONT FACE="Times New Roman" SIZE="-1"><STRONG><HR NOSHADE>
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>
<HR NOSHADE>
</P>

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

<CENTER>
<p><FONT FACE="Times New Roman" SIZE="-1"><STRONG>THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS</STRONG></p>
</CENTER>
</FONT>

<BR WP="BR1"><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><BR WP="BR1"><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 6, 2004 and the 2004 Annual Report to
Shareholders.</FONT><BR WP="BR1"><BR WP="BR2">
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD COLSPAN="3"><FONT FACE="Times New Roman" SIZE="-1">Dated:________ , 2004</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><font size="2">&nbsp;</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD>
<HR NOSHADE>
</TD>
<TD></TD>
<TD>
<HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2"><FONT FACE="Times New Roman" SIZE="-1">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">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD>
</FONT><HR NOSHADE>
</TD>
<TD></TD>
<TD>
<HR NOSHADE>
</TD></TR>
<TR VALIGN="TOP"><TD><FONT FACE="Times New Roman" SIZE="-1">SIGNATURE OF SHAREHOLDER </FONT></TD>
<TD>&nbsp;</TD>
<TD></FONT><FONT FACE="Times New Roman" SIZE="-1">SIGNATURE OF SHAREHOLDER</FONT></TD></TR></TABLE>




&nbsp;<p><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>
<p>&nbsp;</p>
<p><strong style="font-weight: 400"><font size="-1">&lt;PAGE&gt;</font></strong></p>

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`
end

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