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<SEC-DOCUMENT>0000939057-05-000304.txt : 20051012
<SEC-HEADER>0000939057-05-000304.hdr.sgml : 20051012
<ACCEPTANCE-DATETIME>20051012144101
ACCESSION NUMBER:		0000939057-05-000304
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20051012
FILED AS OF DATE:		20051012
DATE AS OF CHANGE:		20051012
EFFECTIVENESS DATE:		20051012

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:		051134760

	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>proxy05.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC.
<TEXT>
<HTML>
<BODY>

<TABLE ALGIN=CENTER WIDTH=100%>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
<P ALIGN="CENTER"><STRONG><font size="2">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</font></STRONG></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">Filed by the registrant [X]</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">Filed by a party other than the registrant [&nbsp;
  ]</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">Check the appropriate box:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"> <font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="862"><font size="2">Preliminary proxy statement</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"> <font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="862"><font size="2">Confidential, for use of the Commission only (as permitted by Rule 14a-6(e)(2))</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">[X]</font></TD>
<TD width="862"><font size="2">Definitive proxy statement</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="862"><font size="2">Definitive additional materials</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"> <font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="862"><font size="2">Soliciting material pursuant to Rule 14a-12</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="895"><font size="2">PROVIDENT FINANCIAL HOLDINGS, INC.</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="895"><font size="2">(Name of Registrant as Specified in Its Charter)</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="895"><font size="2">&nbsp;
  </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="895">
<HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" ALIGN="CENTER" width="895"><font size="2">(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">Payment of filing fee (Check the appropriate box):</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">[&nbsp; ]</font></TD>
<TD width="862"><font size="2">No fee required.</font></TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">[&nbsp; ]</font></TD>
<TD width="862"><font size="2">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(1)</font></TD>
<TD width="862"><font size="2">Title of each class of securities to which transaction applies:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A </font>

<HR color="#000000"></P>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(2)</font></TD>
<TD width="862"><font size="2">Aggregate number of securities to which transactions applies:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A </font>


<HR color="#000000"></P>
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(3)</font></TD>
<TD width="862"><font size="2">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="895">
  <p align="center"><font size="2">N/A </font> <HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(4)</font></TD>
<TD width="862"><font size="2">Proposed maximum aggregate value of transaction:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><CENTER><font size="2">N/A</font></CENTER>

<HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(5)</font></TD>
<TD width="862"><font size="2">Total fee paid:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><CENTER><font size="2">N/A</font></CENTER>

<HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"></TD>
<TD width="862"><font size="2">Fee paid previously with preliminary materials:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><CENTER><font size="2">N/A</font></CENTER>

<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="33"></TD>
<TD VALIGN="BOTTOM" width="862"><font size="2">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="33"><font size="2">(1)</font></TD>
<TD width="862"><font size="2">Amount previously paid:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A </font> <HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(2)</font></TD>
<TD width="862"><font size="2">Form, Schedule or Registration Statement No.:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A </font> <HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(3) </font> </TD>
<TD width="862"><font size="2">Filing party:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A </font>


<HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="33"><font size="2">(4) </font> </TD>
<TD width="862"><font size="2">Date filed:</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895">
  <p align="center"><font size="2">N/A</font><HR color="#000000">
</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="2" width="895"><font size="2">&nbsp; </font> </TD></TR></TABLE>
</P>









						&nbsp;<p><font size="2">&lt;PAGE&gt;</font></p>
<p align="center"><font size="2">October 12, 2005

<BR WP="BR1"><BR WP="BR2">
<BR WP="BR1">&nbsp;</font></p>
<P><font size="2">Dear Shareholder:</font></P>

<p align="justify">

<font size="2">

<BR WP="BR1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	You are cordially invited to attend the Annual Meeting of Shareholders of Provident Financial Holdings, Inc.
to be held at the Riverside Art Museum, located at 3425 Mission Inn Avenue, Riverside, California, on Tuesday,
November 22, 2005, at 11:00 a.m., local time.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Notice of Annual Meeting of Shareholders and Proxy Statement appearing on the following pages describe
the formal business to be transacted at the meeting.  During the meeting, we will also report on the operations of the
Company.  Directors and officers of the Company will be present to respond to appropriate questions from shareholders.</font></P>

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

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	We look forward to seeing you at the meeting.</font></P>

<p align="center"><font size="2">Sincerely,</font></p>
<p align="left">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;/s/Craig G. Blunden</font></P>

<p align="left">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Craig G. Blunden<BR>

						&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President and Chief Executive Officer</font></P>

<p align="left">

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

<P><CENTER><STRONG><font size="2">PROVIDENT FINANCIAL HOLDINGS, INC.</font></CENTER>
<CENTER><font size="2">3756 Central Avenue</font></CENTER>
<CENTER><font size="2">Riverside, California 92506</font></CENTER>
<CENTER><font size="2">(951) 686-6060</font></CENTER>
</STRONG><BR>

<STRONG><HR color="#000000">
</P>

</STRONG><CENTER><b><font size="2">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</font></b></CENTER>
<STRONG><CENTER><font size="2">To Be Held On November 22, 2005</font></CENTER>
</STRONG></P>

<STRONG><HR color="#000000">
</P>

</STRONG>
<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	NOTICE IS HEREBY GIVEN that the Annual Meeting of Shareholders of Provident Financial Holdings, Inc.
("Company") will be held at the Riverside Art Museum, located at 3425 Mission Inn Avenue, Riverside, California,
on Tuesday, November 22, 2005, at 11:00 a.m., local time, for the following purposes:

<BR WP="BR1"></font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	To elect two directors to serve for a term of three years;
</font> </P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To ratify the appointment of Deloitte &amp; Touche LLP as the Company's independent auditors for the<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

fiscal year ending June 30, 2006; and</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To consider and act upon such other matters as may properly come before the meeting or any<BR>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

adjournments thereof.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	NOTE:  The Board of Directors is not aware of any other business to come before the meeting.</font></P>

<p align="justify">

<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Any action may be taken on the foregoing proposals at the meeting on the date specified above or on any date
or dates to which, by original or later adjournment, the meeting may be adjourned.  Shareholders of record at the close
of business on September 29, 2005 are entitled to notice of and to vote at the meeting and any adjournments or
postponements thereof.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Please complete and sign the enclosed form of proxy, which is solicited by the Board of Directors, and mail
it promptly in the enclosed envelope.  The proxy will not be used if you attend the meeting and vote in person.</font></P>

<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;						BY ORDER OF THE BOARD OF DIRECTORS</font><p align="left">
<font size="2">
<BR WP="BR1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/Donavon P. Ternes</font></P>

<p align="left">
<font size="2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DONAVON P. TERNES&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <BR>

</font>

						<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Secretary</font></EM></P>

<font size="2">

<BR WP="BR1"><BR WP="BR2">
</font>
<P><font size="2">Riverside, California<BR>
October 12, 2005</font></P>

<P><HR color="#000000"><b><font size="2">IMPORTANT:  The prompt return of proxies will save the Company the expense of further requests for proxies in order to ensure a quorum.  A self-addressed envelope is enclosed for your convenience.  No postage is required if mailed in the United States. </font> </b>
<STRONG><HR color="#000000"></P></STRONG>

<p><font size="2">&lt;PAGE&gt;</font></p>
<hr color="#000000">



<CENTER><STRONG><font size="2">PROXY STATEMENT</font></STRONG><font size="2"><BR>
<STRONG>OF</STRONG><BR>
<STRONG>PROVIDENT FINANCIAL HOLDINGS, INC.</STRONG><BR>
<STRONG>3756 Central Avenue</STRONG><BR>
</font>
<STRONG><font size="2">Riverside, California 92506</font></STRONG>
<STRONG></CENTER><HR color="#000000">
</STRONG>
<center><STRONG><font size="2">ANNUAL MEETING OF SHAREHOLDERS<BR>
NOVEMBER 22, 2005</font></STRONG></CENTER>
<HR color="#000000">
</P>

	<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

	This Proxy Statement is furnished in connection with the solicitation of proxies by the Board of Directors of
Provident Financial Holdings, Inc. ("Company") to be used at the Annual Meeting of Shareholders of the Company
("Annual Meeting").  The Company is the holding company for Provident Savings Bank, F.S.B. ("Bank").  The Annual
Meeting will be held at the Riverside Art Museum, located at 3425 Mission Inn Avenue, Riverside, California, on
Tuesday, November 22, 2005, 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 12, 2005.

<BR WP="BR1">&nbsp;</font></p>

<P><HR color="#000000"><center><STRONG><font size="2">VOTING AND PROXY PROCEDURE</font></STRONG><HR color="#000000"></CENTER></P>

	<p align="justify">

	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="2">Shareholders Entitled to Vote.</font></EM><font size="2">  Shareholders of record as of the close of business on September 29, 2005
("Voting Record Date") are entitled to one vote for each share of common stock of the Company ("Common Stock")
then held.  As of the close of business on the Voting Record Date, the Company had 6,931,612 shares of Common Stock
issued and outstanding.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font> </p>
<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	If you are a beneficial owner of 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 Common Stock held in street
name in person at the Annual Meeting, you will have to get a written proxy in your name from the broker, bank or other
nominee who holds your shares.</font></p>
<P align="justify"><EM>	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Quorum.</font></EM><font size="2">  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.<BR WP="BR1"></font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Voting.</font></EM><font size="2">  The Board of Directors solicits proxies so that each shareholder has the opportunity to vote on the
proposals to be considered at the Annual Meeting.  When a proxy card is returned properly signed and dated, the shares
represented thereby will be voted in accordance with the instructions on the proxy card.  Where no instructions are
indicated, proxies will be voted in accordance with the recommendation of the Board of Directors.  If a shareholder of
record attends the Annual Meeting, he or she may vote by ballot.  The Board recommends a vote FOR the election of
the nominees for director, and FOR the ratification of the appointment of Deloitte &amp; Touche LLP as the Company's
independent auditors for the fiscal year ending June 30, 2006.</font></P>

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

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ratification 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 this proposal has received
the requisite number of affirmative votes, abstentions will be counted </font> </P>

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

<P align="justify">	<font size="2">and will have the same effect as a vote against the proposal; broker
non-votes will be disregarded and will have no effect on the outcome of the
vote.</font></P>

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

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

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

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

<p align="justify">

<font size="2">

<BR WP="BR2">
</font>
</p>
<P><HR color="#000000">
<CENTER><STRONG><font size="2">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</font></STRONG></CENTER><HR color="#000000">
</P>

	<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font size="2">

	Persons and groups who beneficially own in excess of 5% of the Common Stock are required to file with the
Securities and Exchange Commission ("SEC"), and provide a copy to the Company, certain reports disclosing their
ownership pursuant to the Securities Exchange Act of 1934, as amended ("Exchange Act").  Based on these 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"></font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table also sets forth, as of the close of business on the Voting Record Date, information as to
the shares of Common Stock beneficially owned by (a) each current director of the Company and each of management's
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.</font></P>

<p align="center"><font size="2">2</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;<BR WP="BR1"><BR WP="BR2">
</font>
</p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111" height="961">
<TR VALIGN="TOP"><TD height="19"></TD>
<TD ALIGN="CENTER" height="57" valign="bottom" rowspan="2"><font size="2">Number of Shares<BR>
Beneficially Owned (1) </font>

<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER" height="57" valign="bottom" rowspan="2"><font size="2">Percent of Shares<BR>Outstanding
</font>

<HR color="#000000" width="98%">
  </TD></TR>
<TR VALIGN="TOP"><TD height="38" valign="bottom"><font size="2">Name</font><HR color="#000000" width="98%" align="left">
</TD>
</TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><STRONG><font size="2">Beneficial Owners of More Than 5%</font></STRONG></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Provident Savings Bank, F.S.B.</font></TD>
<TD ALIGN="CENTER" height="19"> <font size="2">786,423&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">11.35%</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Employee Stock Ownership Plan Trust</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">3756 Central Avenue</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Riverside, California 92506</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Thomson Horstmann &amp; Bryant, Inc.</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">637,450 (2)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">9.20&nbsp;&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Park 80 West, Plaza Two</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Saddle Brook, New Jersey 07663</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Jeffrey L. Gendell</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">628,763 (3)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">9.07&nbsp;&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Tontine Financial Partners, L.P.</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Tontine Management, L.L.C.</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">55 Railroad Avenue, Third Floor</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Greenwich, Connecticut 06830</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Wellington Management Company, LLP</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">591,775 (4)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">8.54&nbsp;&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">75 State Street</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Boston, Massachusetts 02109</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">First Financial Fund, Inc.</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">456,525 (5)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">6.59&nbsp;&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="20"><font size="2">1680 38<SUP>th</SUP> Street, Suite 800</font></TD>
<TD ALIGN="CENTER" height="20"></TD>
<TD ALIGN="CENTER" height="20"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Boulder, Colorado 80301</font></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><STRONG><font size="2">Directors</font></STRONG></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="20"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="20"></TD>
<TD ALIGN="CENTER" height="20"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Joseph P. Barr</font></TD>
<TD ALIGN="CENTER" height="19">   <font size="2">59,639&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Bruce W. Bennett</font></TD>
<TD ALIGN="CENTER" height="19">        <font size="2">&nbsp;&nbsp;40,296 (6)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Debbi H. Guthrie</font></TD>
<TD ALIGN="CENTER" height="19">        <font size="2">&nbsp;&nbsp;        42,326&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font>      </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Robert G. Schrader</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">&nbsp;&nbsp; 184,160&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">2.66 &nbsp;&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Roy H. Taylor&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19">  <font size="2">&nbsp;&nbsp;  66,354&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">William E. Thomas</font></TD>
<TD ALIGN="CENTER" height="19">  <font size="2">&nbsp;&nbsp;  40,102&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><STRONG><font size="2">Named Executive Officers</font></STRONG></TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Craig G. Blunden**</font></TD>
<TD ALIGN="CENTER" height="19">          <font size="2">&nbsp;&nbsp;&nbsp;&nbsp;          458,194 (7)(8)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">6.61&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Lilian Brunner</font></TD>
<TD ALIGN="CENTER" height="19">  <font size="2">&nbsp;&nbsp;&nbsp;&nbsp;  53,285&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Thomas "Lee" Fenn</font></TD>
<TD ALIGN="CENTER" height="19">     <font size="2">&nbsp;&nbsp;&nbsp;&nbsp;     22,600&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font>   </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Richard L. Gale</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp; 101,151&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">1.46&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Milton J. Knox</font></TD>
<TD ALIGN="CENTER" height="19">    <font size="2">&nbsp;&nbsp;&nbsp;&nbsp;    5,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">*</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Donavon P. Ternes</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">&nbsp;&nbsp;&nbsp;&nbsp;      127,038 (8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">1.83&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="CENTER" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">All Executive Officers and Directors as a Group (12 persons)</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp; 1,180,855&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font>   </TD>
<TD ALIGN="CENTER" height="19"><font size="2">17.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font>  </TD></TR></TABLE>
<font size="2">________ </font>

<TABLE BORDER="0" WIDTH="100%" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD><font size="2">*</font></TD>
<TD><font size="2">Less than one percent of shares outstanding.</font></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">**</font></TD>
<TD><font size="2">Mr. Blunden is also a director of the Company.</font></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">&nbsp; </font> </TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">
<P ALIGN="CENTER"><EM><font size="2">(Footnotes continue on following page.)</font></EM></TD></TR>
</TABLE>
<p align="center"><font size="2">3</font></p>
<p><font size="2">&lt;PAGE&gt;</font></p>
<TABLE width="100%">
<TR VALIGN="TOP"><TD width="31"><font size="2">(1)</font></TD>
<TD width="854" ALIGN="JUSTIFY"><font 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 ESOP, as to which the holders have voting power but not investment power, are included as follows:
Mr. Schrader, 8,438 shares; Mr. Blunden, 11,925 shares; Ms. Brunner, 7,411 shares; Mr. Gale, 10,016 shares; Mr.
Ternes, 3,289 shares; all executive officers and directors as a group, 41,079 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 and 2003 Stock Option Plan:  Mr. Barr, 55,625 shares; Mr. Bennett, 9,500
shares; Ms. Guthrie, 30,625 shares; Mr. Schrader, 6,500 shares; Mr. Taylor, 55,625 shares; Mr. Thomas, 9,500
shares; Mr. Blunden, 263,025 shares; Ms. Brunner, 26,050 shares; Mr. Fenn, 22,600 shares; Mr. Gale, 51,400
shares; Mr. Knox, 5,000 shares;  Mr. Ternes, 80,800 shares; all executive officers and directors as a group,
616,250 shares.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(2)</font></TD>
<TD width="854" align="justify"><font size="2">Information concerning these shares as of December 31, 2004 was obtained from an amended Schedule 13G.
According to this filing, Thomson Horstmann &amp; Bryant, Inc., an investment adviser registered under the
Investment Advisers Act of 1940, has sole voting power with respect to 329,875 shares and sole dispositive power
with respect to 637,450 shares.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(3)</font></TD>
<TD width="854" align="justify"><font size="2">Information concerning these shares as of December 31, 2004 was obtained from an amended Schedule 13G.
According to this filing, Tontine Management, L.L.C., the general partner of Tontine Financial Partners, L.P., has
the power to direct the affairs of Tontine Financial Partners, L.P., including decisions respecting the disposition
of the proceeds from the sale of the shares.  Mr. Gendell is the managing member of Tontine Management, L.L.C.,
and in that capacity directs its operations.  Accordingly, Tontine Management, L.L.C., Tontine Financial Partners,
L.P. and Mr. Gendell have shared voting and dispositive power with respect to these shares.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(4)</font></TD>
<TD width="854" align="justify"><font size="2">Information concerning these shares as of December 31, 2004 was obtained from an amended Schedule 13G.
According to this filing, Wellington Management Company, LLP, an investment adviser registered under the
Investment Advisers Act of 1940, has shared voting power with respect to 113,800 shares and shared dispositive
power with respect to 591,775 shares.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(5)</font></TD>
<TD width="854" align="justify"><font size="2">Information concerning these shares as of December 31, 2004 was obtained from an amended Schedule 13G.
According to this filing, First Financial Fund, Inc., an investment company registered under the Investment
Company Act of 1940, has sole voting power and shared dispositive power with respect to these shares.
</font> </TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(6)</font></TD>
<TD width="854" align="justify"><font size="2">Includes 1,980 shares owned by Mr. Bennett's spouse.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(7)</font></TD>
<TD width="854" align="justify"><font size="2">Includes 8,010 shares owned by Mr. Blunden's spouse.</font></TD></TR>
<TR VALIGN="TOP"><TD width="31"><font size="2">(8)</font></TD>
<TD width="854" align="justify"><font size="2">Includes 19,290 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>
</P>
<font size="2">
<BR WP="BR1"><BR WP="BR2">
</font>
<P><HR color="#000000"><CENTER><STRONG><font size="2">PROPOSAL I - ELECTION OF DIRECTORS</font></STRONG></CENTER><HR color="#000000">
</P>

	<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

	The Company's Board of Directors consists of seven 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.  Mr. Seymour
M. Jacobs resigned as a director effective November 18, 2004 and the Board of Directors voted to decrease the size of
the Board from eight to seven members. A majority of the Board of Directors is comprised of independent directors,
in accordance with the requirements for companies quoted on The Nasdaq Stock Market.  The Board of Directors has
determined that all of the members of the Board of Directors are independent, except for Mr. Blunden who serves as
President and Chief Executive Officer of the Company and the Bank and Mr. Schrader who served as an Executive Vice
President of the Bank until his retirement on March 31, 2003. </font> </p>

<P align="justify">							<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Nominating and Corporate Governance Committee of the Board of Directors has nominated for election
as directors Craig G. Blunden and Roy H. Taylor, each to serve for a three-year term, or until their respective successors
have been elected and qualified.  Each of the nominees for election as director is a current member of the Board of
Directors of the Company and the Bank.</font></P>

<p align="center"><font size="2">4</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;<BR WP="BR1"></font></p>
<P align="justify">	<font size="2">&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 either 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
either nominee might be unavailable to serve.</font></P>

<P align="justify"><STRONG>	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE ELECTION OF MESSRS.
BLUNDEN AND TAYLOR. </font> </STRONG></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table sets forth certain information regarding the nominees for election at the Annual Meeting,
as well as information regarding those directors continuing in office after the Annual Meeting.</font></P>

<font size="2">

<BR WP="BR2">
</font>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111" height="300">
<TR VALIGN="TOP"><TD height="1"></TD>
<TD ALIGN="CENTER" rowspan="2" height="39" valign="bottom"><font size="2">Age as of<BR>
June 30, 2005</font><HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER" rowspan="2" height="39" valign="bottom"><font size="2">Year First Elected<BR>Director (1)
</font>
<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER" rowspan="2" height="39" valign="bottom"><font size="2">Term to<BR>Expire
</font>
<HR color="#000000" width="98%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD height="37"><font size="2">Name</font><HR color="#000000" align="left" width="98%">
</TD>
</TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD height="19"></TD>
<TD height="19"></TD>
<TD height="19"></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4" height="19"><STRONG><CENTER><font size="2">BOARD NOMINEES</font></STRONG></CENTER>
</TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD height="19"></TD>
<TD height="19"></TD>
<TD height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Craig G. Blunden</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">57</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1975</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">2008 (2)</font></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Roy H. Taylor</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">54</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1990</font></TD>
<TD ALIGN="CENTER" height="19">      <font size="2">2008 (2)</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4" height="19"><font size="2">&nbsp; </font> </TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4" height="19">
  <p align="center"><STRONG><font size="2">DIRECTORS CONTINUING IN OFFICE</font></STRONG></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">&nbsp; </font> </TD>
<TD height="19"></TD>
<TD height="19"></TD>
<TD height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Robert G. Schrader</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">66</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1995</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2006&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;
</font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">William E. Thomas</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">56</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1997</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2006&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;
</font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Joseph P. Barr</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">59</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2001</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Bruce W. Bennett</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">56</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1993</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD></TR>
<TR VALIGN="TOP"><TD height="19"><font size="2">Debbi H. Guthrie </font> </TD>
<TD ALIGN="CENTER" height="19"><font size="2">54</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">1994</font></TD>
<TD ALIGN="CENTER" height="19"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font> </TD></TR></TABLE><font size="2">________</font>

<TABLE BORDER="0" WIDTH="100%" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD><font size="2">(1)</font></TD>
<TD><font size="2">Includes prior service on the Board of Directors of the Bank.</font></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">(2)</font></TD>
<TD><font size="2">Assuming the individual is re-elected.</font></TD></TR></TABLE>

<p align="justify">

<font size="2">

<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:<BR WP="BR2">
</font>
</p>
<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Craig G. Blunden</font></EM><font size="2"> 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, the Greater Riverside Chambers of Commerce and the Riverside Economic Development Corporation. On
January 1, 2005, Mr. Blunden was appointed to a two-year term on the Thrift Institutions Advisory Council by the
Federal Reserve Board.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Roy H. Taylor</font></EM><font size="2"> is the Chief Executive Officer of Hub International of California Insurance Services, Inc.  Mr.
Taylor currently serves as Chairman of the Personnel/Compensation Committee and on the Company's Long Range
Planning Committee and the Nominating and Corporate Governance Committee.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Robert G. Schrader</font></EM><font size="2"> has been associated with the Bank since 1963 and served as Executive Vice President of
the Bank and the Company from January 1995 and 1996, respectively, until his retirement on March 31, 2003.  From
1990 through 1994, Mr. Schrader served as Senior Vice President of the Bank.  Mr. Schrader served as Secretary of
the Company since its formation in 1996 until his retirement in 2003.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; William E. Thomas</font></EM><font size="2">, 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 </font> </P>

<P align="center">	<font size="2">5</font></P>

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

<P align="justify">	<font size="2">Chairman of the Long Range Planning Committee and on the Company's
Personnel/Compensation Committee and is the Chairman of the Nominating and
Corporate Governance Committee.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Joseph P. Barr
</font> </EM><font size="2">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 and on the Company's Nominating and Corporate Governance Committee.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Bruce W. Bennett</font></EM><font size="2"> 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 on the Board of Directors of Riverside
Community Hospital and is Chairman Emeritus of Riverside Community Health Foundation.  Mr. Bennett currently
serves on the Company's Audit Committee and on the Nominating and Corporate Governance Committee.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Debbi H. Guthrie</font></EM><font size="2">, until recently, was  the President and owner of Roy O. Huffman Roof Company, which she
sold in 2004. Ms. Guthrie is active in many community organizations.  Ms. Guthrie currently serves on the Company's
Audit Committee and on the Nominating and Corporate Governance Committee.</font></P>

<P><HR color="#000000"><CENTER><STRONG><font size="2">MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</font></STRONG></CENTER>
<HR color="#000000">
</P>

	<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

	The Boards of Directors of the Company and the Bank conduct their business through meetings of the Boards
and through their committees. During the fiscal year ended June 30, 2005, 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 that person served during this period.

<BR WP="BR1"></font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors of the Company has an Audit Committee, currently consisting of Directors Barr
(Chairman), Bennett and Guthrie, which is responsible for reviewing the adequacy of the Bank's system of internal
accounting controls, approving the services provided by the Company's outside auditor and meeting with the Company's
outside auditor to discuss the results of the annual audit and any related matters.  The Audit Committee has a Charter
which specifies its obligations and the Committee believes it has fulfilled its responsibilities under the Charter.  The
Charter was attached to last year's annual meeting 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 SEC.  The Audit
Committee met five times during the fiscal year ended June 30, 2005.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Board of Directors also has a Nominating and Corporate Governance Committee, currently consisting of
Directors Thomas (Chairman), Barr, Bennett, Guthrie, and Taylor, 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.  The Nominating and Corporate Governance Committee met once
during the fiscal year ended June 30, 2005.</font></P>

<P align="justify">	<font size="2">&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 the Bank's 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 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 and Corporate Governance Committee Charter
does not specifically provide for</font></P>

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

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

<P align="justify">	<font size="2">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. </font> </P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Personnel/Compensation Committee, currently consisting of Directors Taylor (Chairman) and Thomas,
is responsible for reviewing the Bank's employee benefit programs and wage and salary administration program, making
recommendations to the full Board of Directors on annual salary increases and bonuses and addressing other personnel
issues as they arise.  The Personnel/Compensation Committee met four times during the fiscal year ended June 30, 2005.</font></P>

<P align="justify"><STRONG><font size="2">Board Policies Regarding Communications with the Board of Directors and Attendance at Annual Meetings</font></STRONG></P>

<P align="justify">	<font size="2">&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 members
of the Board of Directors, except Director Jacobs, attended the 2004 Annual Meeting of Shareholders.</font></P>

<P><STRONG><font size="2">Corporate Governance</font></STRONG></P>

<P align="justify">	<font size="2">&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 rules of 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.
</font> </P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Code of Ethics.</font></EM><font size="2">  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.</font></P>

<p align="justify">

<font size="2">

<BR WP="BR2">
</font>
</p>
<P><HR color="#000000"><CENTER><STRONG><font size="2">DIRECTORS' COMPENSATION</font></STRONG></CENTER><HR color="#000000">
</P>

	<p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

	Non-employee directors of the Bank currently receive a monthly retainer of $2,000, a fee of $400 for each
committee meeting attended, and a fee of $1,000 for each special board 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 this coverage.  No separate fees are paid for service on the Board of Directors of the
Company.

<BR WP="BR1"></font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	On April 28, 2005, the Board of Directors of the Company approved the acceleration of the vesting of
outstanding stock options granted under the 1996 Stock Option Plan.  The options that were accelerated were issued
prior to January 1, 2004 to directors, officers and key employees who have three or more continuous years of service
with the Company or an affiliate of the Company.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; For the fiscal year ended June
30, 2005, non-employee Directors Barr, Bennett, Guthrie, Schrader, Taylor and
Thomas each received a $7,000 cash award payment and were granted options to
acquire 1,500 shares of Common Stock</font></P>

<P align="center">	<font size="2">7</font></P>

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

<P align="justify">	<font size="2">under the Company's 2003 Stock Option Plan. The 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.</font></P>

<font size="2">

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

<P><HR color="#000000"><CENTER><STRONG><font size="2">EXECUTIVE COMPENSATION</font></STRONG></CENTER><STRONG><HR color="#000000">
</P>

</STRONG>
<p><STRONG><font size="2">Summary Compensation Table</font></STRONG><font size="2">

<BR WP="BR1"></font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table shows the compensation paid during the last three fiscal years to the Company's Chief
Executive Officer and four highest paid executive officers who received salary and bonus in excess of $100,000 during
the fiscal year ended June 30, 2005.</font></P>

<TABLE WIDTH="100%" ALGIN=CENTER height="643">
<TR VALIGN="TOP"><TD height="11" valign="bottom"></TD>
<TD ALIGN="CENTER" height="11" valign="bottom"></TD>
<TD ALIGN="center" height="11" valign="bottom" colspan="2"></TD>
<TD ALIGN="center" height="72%" colspan="2" rowspan="3"><font size="2">
Long-Term Compensation<BR>
Awards
</font><hr color="#000000"></TD>
<TD ALIGN="center" height="11" valign="bottom"></TD></TR>
<TR VALIGN="TOP"><TD height="11" valign="bottom"></TD>
<TD ALIGN="CENTER" height="11" valign="bottom"></TD>
<TD ALIGN="center" height="11" valign="bottom" colspan="2"></TD>
<TD ALIGN="center" height="11" valign="bottom"></TD></TR>
<TR VALIGN="TOP"><TD height="11" valign="bottom"></TD>
<TD ALIGN="CENTER" height="11" valign="bottom"></TD>
<TD ALIGN="center" height="11" valign="bottom" colspan="2"><font size="2">Annual
Compensation</font><hr color="#000000"></TD>
<TD ALIGN="center" height="11" valign="bottom"></TD></TR>
<TR VALIGN="TOP"><TD height="15" valign="bottom"><font size="-1">Name and
  Position </font><hr color="#000000"></TD>
<TD ALIGN="CENTER" height="15" valign="bottom"><font size="-1">Year</font><hr color="#000000"></TD>
<TD ALIGN="center" height="15" valign="bottom"><font size="-1">Salary</font><hr color="#000000"></TD>
<TD ALIGN="center" height="15" valign="bottom"><font size="-1">Bonus</font><hr color="#000000"></TD>
<TD ALIGN="center" height="15" valign="bottom"><font size="-1">Restricted<BR>
Stock<BR>
Award (1)</font><hr color="#000000"></TD>
<TD ALIGN="center" height="15" valign="bottom"><font size="2">Securities<BR>
Underlying<BR>
Options (2)</font><hr color="#000000"></TD>
<TD ALIGN="center" height="15" valign="bottom"><font size="2">All Other<BR>
Compensation</font><hr color="#000000"></TD></TR>
<TR VALIGN="TOP"><TD height="15"></TD>
<TD ALIGN="CENTER" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">$335,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">$231,563</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">$53,454</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Chief Executive Officer </FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2004</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">311,252</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">208,253</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">           --</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">66,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">46,107</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  and President</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">290,423</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">165,756</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">          --</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">47,490</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="19">&nbsp;</TD>
<TD height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"></FONT><FONT SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="CENTER" height="19"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">120,900</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">42,643</FONT></TD>
<TD ALIGN="RIGHT" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></FONT><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">32,227</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Senior Vice President -</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2004</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">116,325</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">40,320</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">18,500</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">26,964</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Chief Information Officer</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">111,825</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">  43,173</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">21,322</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="19">&nbsp;</TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"></FONT><FONT SIZE="-1">Thomas "Lee" Fenn </FONT></TD>
<TD ALIGN="CENTER" height="19"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">142,125</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">44,888</FONT></TD>
<TD ALIGN="RIGHT" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></FONT><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">10,012</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Senior Vice President -</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2004</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">128,872</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">44,100</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">63,500</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">11,100</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="19"><FONT SIZE="-1">  &nbsp;&nbsp;  Chief Lending Officer</FONT></TD>
<TD ALIGN="CENTER" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="15"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD></TR>
<TR VALIGN="TOP"><TD height="19"></FONT><FONT SIZE="-1">Richard L. Gale</FONT></TD>
<TD ALIGN="CENTER" height="19"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">99,996</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">630,000</FONT></TD>
<TD ALIGN="RIGHT" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></FONT><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">41,886</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Senior Vice President -</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2004</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">99,996</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">585,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">14,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">34,622</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1">  &nbsp;&nbsp;  Mortgage Banking</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">  99,996</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">585,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">30,926</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="19">&nbsp;</TD>
<TD ALIGN="CENTER" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="15"></FONT><FONT SIZE="-1">Milton J. Knox (4)</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">96,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">27,702</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">25,000</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">5,000</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="19"><FONT SIZE="-1">  &nbsp;&nbsp;  Senior Vice President - </FONT></TD>
<TD ALIGN="CENTER" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="19"></FONT><FONT SIZE="-1">  &nbsp;&nbsp;  Retail Banking</FONT></TD>
<TD ALIGN="CENTER" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD>
<TD ALIGN="RIGHT" height="19"></TD></TR>
<TR VALIGN="TOP"><TD height="15"><font size="2">&nbsp; </font> </TD>
<TD ALIGN="CENTER" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD></TR>
<TR VALIGN="TOP"><TD height="19"></FONT><FONT SIZE="-1">Donavon P. Ternes</FONT></TD>
<TD ALIGN="CENTER" height="19"><FONT SIZE="-1">2005</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">166,425</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">85,476</FONT></TD>
<TD ALIGN="RIGHT" height="19">&nbsp;</TD>
<TD ALIGN="RIGHT" height="19"></FONT><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="19"><FONT SIZE="-1">44,484</FONT></TD></TR>
<TR VALIGN="TOP"><TD height="15"><FONT SIZE="-1"> &nbsp;&nbsp; Chief Financial Officer</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2004</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">150,675</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">76,342</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">           --</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">36,500</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">36,146</FONT></TD></TR>
<tr>
  <TD height="15"><FONT SIZE="-1"> &nbsp;&nbsp; and Secretary</FONT></TD>
<TD ALIGN="CENTER" height="15"><FONT SIZE="-1">2003</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">138,002</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">  51,677</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">114,800</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" height="15"><FONT SIZE="-1">28,513</FONT></TD>
</tr>
<TR VALIGN="TOP"><TD height="15"></TD>
<TD ALIGN="CENTER" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD>
<TD ALIGN="RIGHT" height="15"></TD></TR></TABLE>


<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="23"><FONT SIZE="-1">(1)</FONT></TD>
<TD width="648" align="justify"><FONT 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.  </FONT><FONT FACE="Times New Roman" SIZE="-1">Mr. Ternes was also awarded 36,000 shares of restricted Common Stock on November 1, 2000.</FONT><FONT SIZE="-1">  Each award vests
ratably over a five-year period.  At June 30, 2005, the value of the unvested restricted Common Stock awards was $344,066.
Dividends, if any, paid on the restricted Common Stock are accrued and held in arrears until the restricted Common Stock vests.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="23"><FONT SIZE="-1">(2)</FONT></TD>
<TD width="648" align="justify"><FONT SIZE="-1">Each option granted vests at the rate of 20% per year.  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.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="23"><FONT SIZE="-1">(3)</FONT></TD>
<TD width="648" align="justify"><FONT SIZE="-1">Amounts for 2005 reflect:  for Mr. Blunden, supplemental life insurance premium of $11,597, employer contribution to 401(k)
Plan of $6,800 and employer contribution to ESOP of $31,785; for Ms. Brunner, employer contribution to 401(k) Plan of $3,990
and employer contribution to ESOP of $24,637; for Mr. Fenn, an employer contribution to 401(k) Plan of $4,012; for Mr. Gale,
employer contribution to 401(k) Plan of $6,500 and employer contribution to ESOP of $31,785; for Mr. Knox, an automobile
allowance of $5,000; and for Mr. Ternes, employer contribution to 401(k) Plan of $6,699 and employer contribution to ESOP
of $31,785.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="23"><FONT SIZE="-1">(4)</FONT></TD>
<TD width="648"><FONT SIZE="-1">Mr. Knox joined the Company effective September 1, 2004.</FONT></TD></TR></TABLE>

<p align="center">

<font size="2">

<BR WP="BR1">8</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;<BR WP="BR2">
<BR WP="BR1"></font><FONT SIZE="-1"><STRONG>Option Grants in Last Fiscal Year</STRONG></FONT></p>
<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	</FONT><FONT FACE="Times New Roman" SIZE="-1">The following table sets forth information concerning the grant of stock options to Mr. Milton J. Knox, a
named executive officer of the Company, during the fiscal year ended June 30, 2005.  No options were granted to the
Chief Executive Officer and the other named executive officers of the Company during the fiscal year ended June 30,
2005. </FONT></P>
<TABLE WIDTH="100%">
<TR VALIGN="BOTTOM"><TD COLSPAN="5" ALIGN="CENTER"><FONT SIZE="-1"><EM>Individual Grants</EM></FONT>

<FONT SIZE="-1"><EM><HR color="#000000">
</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="5"></EM></FONT><FONT SIZE="-1"><EM></EM></FONT><FONT SIZE="-1"><EM></EM></FONT><FONT SIZE="-1"><EM></EM></FONT><FONT SIZE="-1"><EM>Number of</EM></FONT></EM></FONT><BR>
<FONT SIZE="-1"><EM>Securities</EM></FONT><BR>
</EM></FONT><FONT SIZE="-1"><EM>Underlying</EM></FONT></EM></FONT><BR>
<FONT SIZE="-1"><EM>Options</EM></FONT><BR>
<FONT SIZE="-1"><EM>Granted (1)</EM></FONT>
<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER" rowspan="5"><FONT SIZE="-1"><EM>Percent of</EM></FONT><BR>
<FONT SIZE="-1"><EM>Total Options<BR>
 Granted to</EM></FONT><BR>
<FONT SIZE="-1"><EM>Employees</EM></FONT><BR>
<FONT SIZE="-1"><EM>in Fiscal</EM></FONT><BR>
<FONT SIZE="-1"><EM>Year</EM></FONT>
<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER" rowspan="4"></EM></FONT><FONT SIZE="-1"><EM></EM></FONT><FONT SIZE="-1"><EM>Potential Realizable Value</EM></FONT></EM></FONT><BR>
<FONT SIZE="-1"><EM>at Assumed Annual Rates</EM></FONT><BR>
</EM></FONT><FONT SIZE="-1"><EM>of Stock Price Appreciation</EM></FONT><BR>
<FONT SIZE="-1"><EM>for Option Term (2)</EM></FONT><BR>

<HR color="#000000">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
<TD ALIGN="CENTER"></TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
<TD ALIGN="CENTER" rowspan="3"><FONT SIZE="-1"><EM>Exercise</EM></FONT><BR>
<FONT SIZE="-1"><EM>Price</EM></FONT><BR>
<FONT SIZE="-1"><EM>(per share)</EM></FONT>
<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><FONT SIZE="-1"><EM></TD>
<TD ALIGN="CENTER" rowspan="2"><FONT SIZE="-1"><EM>Expiration</EM></FONT><BR>
<FONT SIZE="-1"><EM>Date</EM></FONT><HR color="#000000" width="98%">
  </TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><FONT SIZE="-1"><EM>Name</EM></FONT> <BR>
<HR color="#000000" width="98%" align="left">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>5%</EM></FONT>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>10%</EM></FONT>
<HR color="#000000" width="98%">
</TD></TR>
<TR VALIGN="BOTTOM"><TD></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 SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">Milton J. Knox</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">25,000</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">36.76%</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$27.80</FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE="-1">09/21/2014</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$437,082</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$1,107,651</FONT></TD></TR></TABLE>


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

<TABLE WIDTH="671">
<TR VALIGN="TOP"><TD width="25"><FONT FACE="Times New Roman" SIZE="-1">(1)</FONT></TD>
<TD width="636" align="justify"><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="25"><FONT FACE="Times New Roman" SIZE="-1">(2)</FONT></TD>
<TD width="636" align="justify"><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 executive
only if the stock price increases above the exercise price shown in the table during the effective option period.  In order for the
listed executive 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 $45.28 and $72.11, respectively, as of the expiration of the options.</FONT></TD></TR></TABLE>

<P><FONT SIZE="-1"><STRONG>Option Exercise/Value Table</STRONG></FONT><font size="2"><BR WP="BR2">
</font>
</P>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following information with respect to options exercised during the fiscal year ended June 30, 2005, and
remaining unexercised at the end of the fiscal year, is presented for the Chief Executive Officer and the other named
executive officers. </FONT></P>

&nbsp;<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" 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" rowspan="4"><FONT SIZE="-1"><EM>Number of</EM></FONT><font size="2"></EM></FONT><BR>
</font>
<FONT SIZE="-1"><EM>Securities Underlying</EM></FONT><font size="2"><BR>
</EM></FONT></font><FONT SIZE="-1"><EM>Unexercised Options </EM></FONT>
<font size="2"><BR>
</font>
<FONT SIZE="-1"><EM>at Fiscal Year End (1)</EM></FONT><font size="2"> </font>
<FONT SIZE="-1"><EM><HR color="#000000" width="98%">
  </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" rowspan="3"><FONT SIZE="-1"><EM>Value of Unexercised</EM></FONT><font size="2"><BR>
</font>
<FONT SIZE="-1"><EM>In-the-Money Options</EM></FONT><font size="2"><BR>
</EM></FONT></font><FONT SIZE="-1"><EM>at Fiscal Year End (2)</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER" rowspan="3"></EM></FONT><FONT SIZE="-1"><EM>Shares</EM></FONT><font size="2"></EM></FONT><BR>
</font><FONT SIZE="-1"><EM>Acquired on</EM></FONT><font size="2"><BR>
</font>
<FONT SIZE="-1"><EM>Exercise</EM></FONT><font size="2"> </font>
<HR color="#000000" width="98%">
  </TD>
<TD ALIGN="CENTER">&nbsp;</TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Value</EM></FONT></TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><FONT SIZE="-1"><EM>Name</EM></FONT><font size="2"> </font>
<HR color="#000000" align="left" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Realized</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Exercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Unexercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Exercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Unexercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="98%">
</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 SIZE="-1">Craig G. Blunden</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">263,025</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">33,600</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$5,136,155</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$111,216</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Lilian Brunner</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">15,000</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">$294,750</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">26,050</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">11,200</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">400,228</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">37,072</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Thomas "Lee" Fenn</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">12,700</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">50,800</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">86,380</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">345,520</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Richard L. Gale</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">51,400</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">7,600</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">1,001,599</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">25,156</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Milton J. Knox</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">25,000</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">7,750</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Donavon P. Ternes</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">80,800</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">23,200</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">1,416,823</FONT></TD>
<TD ALIGN="RIGHT" VALIGN="BOTTOM"><FONT SIZE="-1">76,792</FONT></TD></TR></TABLE>
<FONT SIZE="-1">_________</FONT><font size="2"> </font>

<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="22"><FONT SIZE="-1">(1)</FONT></TD>
<TD width="649" align="justify"><FONT SIZE="-1">On April 28, 2005, the Board of Directors of the Company approved the acceleration of the vesting of certain outstanding stock
options granted under the 1996 Stock Option Plan.  The options that were accelerated were issued prior to January 1, 2004 to
directors, officers and key employees who have three or more continuous years of service with the Company or an affiliate of
the Company.</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="22"><FONT SIZE="-1">(2)</FONT></TD>
<TD width="649" align="justify"><FONT 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,
2005 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>

<P><FONT SIZE="-1"><STRONG>Employment Agreement</STRONG></FONT></P>

<P align="justify"><FONT 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 has given advance notice of their intention not to extend the term of the agreement.  The
agreement further provides for a base salary which may not be reduced except as part of a general salary reduction policy

</FONT></P>

<P align="center"><font size="2">9</font></P>

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

<P align="justify"><FONT SIZE="-1">	for senior executives of the Bank and, at any time, below the initial base salary of the agreement.  Mr. Blunden's base
salary is subject to annual review by the Board.  Mr. Blunden's current base salary under the agreement is $345,000.
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 align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	In the event of Mr. Blunden's termination without cause by the Bank, the agreement provides for (i) a lump
sum payment equal to the discounted present value of the aggregate future base salary payments Mr. Blunden would
have received over the then remaining term of the agreement and (ii) the continuation of life and medical insurance at
the Bank's expense for Mr. Blunden and his dependents.  If Mr. Blunden's employment terminates by reason of his
death or disability, the Bank is also obligated to continue life and medical insurance benefits for Mr. Blunden and his
dependents, as applicable.</FONT></P>

<P align="justify"><FONT 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, 2005, based solely on the cash compensation paid to Mr. Blunden during 2005 and excluding the value of any
other employee benefits which may be payable, Mr. Blunden would have received a payment of approximately $1.7
million.  For purposes of the agreement, "change in control" is defined to mean (i) a change in control of the Bank as
determined under applicable regulations of the Office of Thrift Supervision and (ii) a change in the composition of the
Board following a merger, consolidation or other business combination involving the Bank such that a majority of the
directors of the resulting entity consists of persons who were not directors immediately prior to such transaction.</FONT></P>

<P><FONT SIZE="-1"><STRONG>Post-Retirement Compensation Agreement</STRONG></FONT></P>

<P align="justify"><FONT 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 approximately $13,009.  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, 2005, the accrued liability of the Bank with
respect to its obligations under the agreement was $1.5 million.</FONT></P>

<P><FONT SIZE="-1"><STRONG>Severance Agreements</STRONG></FONT></P>

<P align="justify"><FONT 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,
Knox 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 the change
in </FONT></P>

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

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

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

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The term "change in control" is defined in the severance agreements as having occurred when, among other
things, (a) a person other than the Company purchases shares of the Company's common stock pursuant to a tender or
exchange offer for such shares, (b) any person (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act)
is or becomes the beneficial owner, directly or indirectly, of securities of the Company representing 25% or more of the
combined voting power of the Company's then outstanding securities, (c) the membership of the Board of Directors
changes as the result of a contested election or (d) shareholders of the Company approve a merger, consolidation, sale
or disposition of all or substantially all of the Company's assets, or a plan of partial or complete liquidation.  If a change
in control of the Company or the Bank occurred during the fiscal year ending June 30, 2005, 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, $249,000; Mr. Fenn, $297,000; Mr. Gale, $199,992; Mr. Knox
$230,400; and Mr. Ternes, $350,000.</FONT></P>

<FONT SIZE="-1"><HR color="#000000">

</FONT><CENTER><FONT SIZE="-1"><STRONG>AUDIT COMMITTEE MATTERS</STRONG></CENTER>
</FONT><FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify">	<FONT 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.  A copy of the Audit Committee Charter was attached to last year's
annual meeting proxy statement.</FONT>

<BR WP="BR1"></p>
<P align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report of the Audit Committee.</STRONG>  The Audit Committee reports as follows with respect to the Company's
audited financial statements for the fiscal year ended June 30, 2005:</FONT></P>

<UL>
  <LI>
  <p align="justify"><FONT SIZE="-1">	The Audit Committee has completed its review and
  discussion of the Company's 2005 audited financial statements with management;</FONT></LI><BR WP="BR1"><BR WP="BR2">

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

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

<BR WP="BR1"><BR WP="BR2">  <LI>
  <p align="justify"><FONT SIZE="-1">The Audit Committee has, based on its review and discussions with management of the Company's
2005 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, 2005
be included in the Company's Annual Report on Form 10-K.</FONT></LI>

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

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

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

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

<P align="justify"><FONT 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>

<FONT SIZE="-1"><HR color="#000000">

</FONT><CENTER><FONT SIZE="-1"><STRONG>COMPENSATION COMMITTEE MATTERS</STRONG></CENTER>
</FONT><FONT SIZE="-1"><HR color="#000000">
</P>

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

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

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

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

<P align="justify"><FONT 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.
Compensation information is obtained by reviewing proxy statements and various compensation surveys including the
America's Community Bankers Survey, the California Bankers Association Survey and the Employers Group Survey. </FONT></P>

<P align="justify"><FONT 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 requirements.  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 individual performance requirements.  The business plan outlines a number
of performance goals such as net income, total assets, return on equity, return on assets, net interest margin, efficiency
ratio, and diluted earnings per share, among others.  Individual performance requirements are project related and
consistent with the duties and responsibilities of the particular employee.</FONT></P>

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

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

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

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Compensation of the Chief Executive Officer.  </EM>During the fiscal year ended June 30, 2005, the base salary of
Craig G. Blunden, President and Chief Executive Officer of the Bank, was $335,000 along with an incentive bonus of
$231,563.  The Committee believes Mr. Blunden's current compensation is appropriate based on competitive salary
surveys and the performance of the Bank.</FONT></P>

<P align="justify"><FONT SIZE="-1">		&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</FONT><BR>
<FONT 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;							William E. Thomas</FONT></P>

<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT SIZE="-1"><STRONG>	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, 2005, were formerly Company officers or had any relationships otherwise requiring disclosure.</FONT></p>
<p align="center">
<font size="2">13</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<P><FONT SIZE="-1"><STRONG>Performance Graph</STRONG></FONT></P>

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


<P><FONT SIZE="-1"><CENTER>COMPARISON OF CUMULATIVE TOTAL RETURN*</CENTER></FONT></P>


<BR WP="BR1"><BR WP="BR2">
<P align=center><FONT SIZE="-1"><img src="proxy05.jpg" width="725" height="529" ></FONT></P>


<BR WP="BR1"><BR WP="BR2">


<TABLE  WIDTH="100%">
<TD></TD>
<TD ALIGN="CENTER" valign="bottom"><FONT SIZE="-1">6/30/00<HR color="#000000"></FONT></TD>
<TD ALIGN="CENTER"></FONT><FONT SIZE="-1">6/30/01</FONT><HR color="#000000"></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">6/30/02</FONT><HR color="#000000"></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">6/30/03</FONT><HR color="#000000"></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">6/30/04</FONT><HR color="#000000"></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">6/30/05</FONT><HR color="#000000"></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Provident Financial Holdings, Inc.</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">&nbsp;$100.00&nbsp;&nbsp;&nbsp; </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$166.89</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$241.05</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$318.07</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$389.86</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$472.47</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Nasdaq Stock Index</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> 100.00</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   54.29</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">    &nbsp;&nbsp;    36.99</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">    &nbsp;&nbsp;    41.07</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">    &nbsp;&nbsp;    51.76</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   52.32</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Nasdaq Bank Index</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> 100.00</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> &nbsp; 138.86</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  &nbsp;155.80</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  158.17</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  &nbsp;  189.58</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> &nbsp; 202.39</FONT></TD>
</TR>
</TABLE>
<p align="justify">

<font size="2">*Assumes that the value of the investment in the Company's Common Stock and each index was $100 on June 30, 2000
and that all dividends were reinvested.</font> </p>
<p align="center"><font size="2">14</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font><BR WP="BR1"></p>
<FONT SIZE="-1"><HR color="#000000">
</FONT><CENTER><FONT SIZE="-1"><STRONG>SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</STRONG></CENTER>
</FONT><FONT SIZE="-1"><HR color="#000000">
</P>
</FONT>

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

<P align="justify"><FONT 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, 2005,
all filing requirements applicable to its reporting officers, directors and greater than 10% shareholders were properly
and timely complied with.</FONT></P>

<FONT SIZE="-1"><HR color="#000000">

</FONT><CENTER><FONT SIZE="-1"><STRONG>TRANSACTIONS WITH MANAGEMENT</STRONG></CENTER>
<HR color="#000000">
</P>

</FONT>
<p align="justify">&nbsp; <font size="2">&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>
<FONT SIZE="-1"><HR color="#000000"></FONT><CENTER><FONT SIZE="-1"><STRONG>PROPOSAL II - RATIFICATION OF APPOINTMENT OF INDEPENDENT AUDITORS</STRONG></CENTER>
</FONT><FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify"><font size="2">&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, 2005.
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, 2006, 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. </font>

<BR WP="BR1"></p>
<P align="justify"><FONT 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, 2005 and 2004. </FONT></P>

<TABLE WIDTH="570">
<TR VALIGN="TOP"><TD width="310"></TD>
<TD COLSPAN="2" ALIGN="CENTER" width="250"><FONT SIZE="-1"></FONT><FONT SIZE="-1">June 30,<HR color="#000000">
</FONT>
</TD></TR>
<TR VALIGN="TOP"><TD width="310"></TD>
<TD ALIGN="CENTER" valign="bottom" width="131"></FONT><FONT SIZE="-1">2005</FONT></P>
<HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER" valign="bottom" width="115"><FONT SIZE="-1">2004</FONT>
<HR color="#000000" width="98%">
</TD></TR>
<TR VALIGN="TOP"><TD width="310"><FONT SIZE="-1">Audit Fees (1)	</FONT></TD>
<TD ALIGN="center" width="131"><FONT SIZE="-1">$508,602&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </FONT></TD>
<TD ALIGN="center" width="115"><FONT SIZE="-1">$165,970&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;     </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="310"><FONT SIZE="-1">Audit-Related Fees	</FONT></TD>
<TD ALIGN="center" width="131"><FONT SIZE="-1">--    </FONT></TD>
<TD ALIGN="center" width="115"><FONT SIZE="-1">2,400(2)</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="310"><FONT SIZE="-1">Tax Fees	</FONT></TD>
<TD ALIGN="center" width="131"><FONT SIZE="-1">40,000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </FONT></TD>
<TD ALIGN="center" width="115"><FONT SIZE="-1">36,172&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;     </FONT></TD></TR>
<TR VALIGN="TOP"><TD width="310"><FONT SIZE="-1">All Other Fees	</FONT></TD>
<TD ALIGN="center" width="131"><FONT SIZE="-1">--    </FONT></TD>
<TD ALIGN="center" width="115"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     </FONT></TD></TR></TABLE>
	________<BR>

<FONT SIZE="-1">	(1)&nbsp;&nbsp;&nbsp;&nbsp; Includes fees paid to Deloitte &amp; Touche LLP for the annual audit and quarterly reviews of the
consolidated financial<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
statements.  For the year ended June 30, 2005, also includes fees related to
compliance with Section 404 of the Sarbanes-<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Oxley Act of 2002 regarding the Company's internal control
over financial reporting. </FONT><BR>
<FONT SIZE="-1">	(2)&nbsp;&nbsp;&nbsp;&nbsp; Includes fees paid to Deloitte &amp; Touche LLP primarily for consulting on financial accounting/reporting
standards and<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 controls. </FONT></P>

<P><FONT 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. </FONT></P>

<P align="center"><font size="2">15</font></P>

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

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

<P align="justify"><FONT SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	THE BOARD OF DIRECTORS RECOMMENDS THAT SHAREHOLDERS VOTE "FOR" THE
RATIFICATION OF THE APPOINTMENT OF DELOITTE &amp; TOUCHE LLP AS INDEPENDENT
AUDITORS OF THE COMPANY FOR THE FISCAL YEAR ENDING JUNE 30, 2006.</STRONG></FONT></P>

<FONT SIZE="-1"><HR color="#000000"></FONT><CENTER><FONT SIZE="-1"><STRONG>OTHER MATTERS</STRONG></CENTER>
</FONT><FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify"><font size="2">&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. </font></p>
<FONT SIZE="-1"><HR color="#000000">

</FONT><CENTER><FONT SIZE="-1"><STRONG>MISCELLANEOUS</STRONG></CENTER>
<HR color="#000000">
</P>

</FONT>
<p align="justify"><font size="2">&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.
</font></p>
<p align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company's 2005 Annual Report to Shareholders, including financial statements, has been mailed to all
shareholders of record as of the close of business on the Voting Record Date.  Any shareholder who has not received
a copy of the Annual Report may obtain a copy by writing to the Company.  The Annual Report is not to be treated as
part of the proxy solicitation material or having been incorporated herein by reference. </FONT>
</p>
<P align="justify"><FONT 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, 2005, as filed with the SEC, will
be furnished without charge to shareholders of record as of the close of business on the Voting Record Date upon
written request to Donavon P. Ternes, Secretary, Provident Financial Holdings, Inc., 3756 Central Avenue,
Riverside, California 92506.</STRONG></FONT></P>

<FONT SIZE="-1"><HR color="#000000">


<CENTER></FONT><FONT SIZE="-1"><STRONG>SHAREHOLDER PROPOSALS</STRONG></FONT></CENTER><FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify"><font size="2">&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
2006 must be received by the Company no later than June 15, 2006 to be considered for inclusion in the proxy materials
and form of proxy relating to such Annual Meeting.  Any such proposals shall be subject to the requirements of the
proxy rules adopted under the Exchange Act. </font>

<BR WP="BR1"></p>
<P align="justify"><FONT 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, the shareholder must deliver notice of
nominations and/or proposals to the Secretary of the Company 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, the
shareholder's 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 2005 Annual Meeting must be
made by October 24, 2005. As specified in the Certificate of Incorporation, the
notice with respect to nominations for election of directors must set forth </FONT></P>

<P align="center"><font size="2">16</font></P>

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

<P align="justify"><FONT SIZE="-1">	certain information regarding each nominee for election as a
director, including that 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 the notice. The notice with respect
to business proposals to be brought before the Annual Meeting must state the
shareholder's name, address and number of shares of Common Stock held, and
briefly discuss the business to be brought before the Annual Meeting, the
reasons for conducting such business at the Annual Meeting and any interest of
the shareholder in the proposal.</FONT></P>

<P><FONT 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;&nbsp;&nbsp;&nbsp;&nbsp;						BY ORDER OF THE BOARD OF DIRECTORS</FONT></P>

<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/s/Donavon P. Ternes</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; <FONT SIZE="-1">						DONAVON P. TERNES</FONT><BR
><FONT SIZE="-1">						<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;&nbsp;&nbsp;&nbsp;&nbsp; Secretary</EM></FONT><BR>

<BR WP="BR1"><BR WP="BR2">
</p>
<P><FONT SIZE="-1">Riverside, California</FONT><BR>
<FONT SIZE="-1">October 12, 2005</FONT></P>

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

<P align="left"><font size="-1">&lt;PAGE&gt;</font></P>

<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>REVOCABLE PROXY</STRONG></FONT><BR>

<CENTER><FONT SIZE="-1"><STRONG>PROVIDENT FINANCIAL HOLDINGS, INC.</STRONG></FONT></CENTER></P>

<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>ANNUAL MEETING OF SHAREHOLDERS</STRONG></FONT><BR>

<CENTER><FONT SIZE="-1"><STRONG>NOVEMBER 22, 2005</STRONG></FONT></CENTER>
<P align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The undersigned hereby appoints the Board of Directors of Provident Financial Holdings, Inc. (the "Company") with
full powers of substitution to act as attorneys and proxies for the undersigned, to vote all shares of Common Stock of
the Company which the undersigned is entitled to vote at the Annual Meeting of Shareholders, to be held at the
Riverside Art Museum, located at 3425 Mission Inn Avenue, Riverside, California, on Tuesday, November 22, 2005,
at 11:00 a.m., local time, and at any and all adjournments thereof, as follows:</FONT></P>

<BR WP="BR2">
<TABLE BORDER="0" WIDTH="100%" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><U>FOR</U></FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><U>WITHHELD</U></FONT></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD COLSPAN="2"></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></FONT><FONT SIZE="-1">1</FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">The election as director of the nominees</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">[&nbsp;&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">[&nbsp;&nbsp; ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD COLSPAN="2"></FONT><FONT SIZE="-1">listed below (except as marked to the</FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></FONT><FONT SIZE="-1">contrary below).</FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp; </TD>
<TD COLSPAN="2"></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></FONT><FONT SIZE="-1">Craig G. Blunden</FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></FONT><FONT SIZE="-1">Roy H. Taylor</FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp; </TD>
<TD COLSPAN="2"></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></FONT><FONT SIZE="-1"><STRONG>INSTRUCTIONS:  To withhold your vote</STRONG></FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></STRONG></FONT><FONT SIZE="-1"><STRONG>for an individual nominee, write the</STRONG></FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2"></STRONG></FONT><FONT SIZE="-1"><STRONG>nominee's name on the line below.</STRONG></FONT></TD>
<TD>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp; </TD>
<TD COLSPAN="2"></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>
</STRONG></FONT><FONT SIZE="-1"><HR color="#000000">
</TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp; </TD>
<TD COLSPAN="2"></TD>
<TD></TD>
<TD></TD></TR></TABLE>

<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="18"></TD>
<TD width="439"></TD>
<TD ALIGN="CENTER" width="40"><FONT SIZE="-1"><U>FOR</U></FONT></TD>
<TD width="93"><FONT SIZE="-1"><U>
<P ALIGN="CENTER">AGAINST</U></FONT></TD>
<TD ALIGN="CENTER" width="81"><FONT SIZE="-1"><U>ABSTAIN</U></FONT></TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp;</TD>
<TD width="439"></TD>
<TD width="40"></TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18"></FONT><FONT SIZE="-1">2</FONT></TD>
<TD width="439"><FONT SIZE="-1">The ratification of the appointment of Deloitte &amp;</FONT></TD>
<TD ALIGN="CENTER" width="40"><FONT SIZE="-1">[&nbsp;&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER" width="93"><FONT SIZE="-1">[&nbsp;&nbsp; ]</FONT></TD>
<TD ALIGN="CENTER" width="81"><FONT SIZE="-1">[&nbsp;&nbsp;   ]</FONT></TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp;</TD>
<TD width="439"></FONT><FONT SIZE="-1">Touche LLP as independent auditors for the</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18"></TD>
<TD width="439"></FONT><FONT SIZE="-1">fiscal year ending June 30, 2006.</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp; </TD>
<TD width="439"></TD>
<TD width="40"></TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18"></FONT><FONT SIZE="-1">3</FONT></TD>
<TD width="439"><FONT SIZE="-1">In their discretion, upon such other matters as may </FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18"></TD>
<TD width="439"></FONT><FONT SIZE="-1">properly come before the meeting.</FONT></TD>
<TD width="40">&nbsp;</TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp; </TD>
<TD width="439"></TD>
<TD width="40"></TD>
<TD width="93"></TD>
<TD width="81"></TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp; </TD>
<TD COLSPAN="3" width="572"></FONT><FONT SIZE="-1"><STRONG>The Board of Directors recommends a vote "FOR" the listed propositions.</STRONG></FONT></TD>
<TD width="81">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="18">&nbsp; </TD>
<TD width="439"></TD>
<TD width="40"></TD>
<TD width="93"></TD>
<TD width="81"></TD></TR></TABLE>
&nbsp;
</P>
<P align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT SIZE="-1">	This proxy also provides voting instructions to the Trustees of the Provident Savings Bank, F.S.B. Employee
Stock Ownership Plan for participants with shares allocated to their accounts.</FONT></P>

<FONT SIZE="-1"><STRONG><HR color="#000000">

</STRONG></FONT>
<font size="2"><B>This proxy will be voted as directed, but if no instructions are specified this proxy will be voted for the
propositions stated.  If any other business is presented at such meeting, this proxy will be voted by the Board
of Directors in its best judgment.  At the present time, the Board of Directors knows of no other business to be
presented at the Annual Meeting.  This proxy also confers discretionary authority on the Board of Directors to
vote with respect to the election of any person as director where the nominees are unable to serve or for good
cause will not serve and matters incident to the conduct of the Annual Meeting.
</font></B>
<FONT SIZE="-1"><STRONG>
<HR color="#000000">
</P>

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

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

<P align="justify"><FONT 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 12, 2005 and the 2005 Annual Report to
Shareholders.</FONT></P>

<BR WP="BR2">
<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111" height="177">
<TR VALIGN="TOP"><TD COLSPAN="3" height="15" width="671"><FONT SIZE="-1">Dated:_____________ , 2005</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19" width="671">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19" width="671">&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19" width="671">&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD height="16" width="302">
</FONT>______________________________________</TD>
<TD height="16" width="34"></TD>
<TD height="16" width="335">
__________________________________________</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" height="15" width="336"><FONT SIZE="-1">PRINT NAME OF SHAREHOLDER</FONT></TD>
<TD height="15" width="335"><FONT SIZE="-1">PRINT NAME OF SHAREHOLDER</FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19" width="671">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="3" height="19" width="671">&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD height="17" width="302">
</FONT>______________________________________</TD>
<TD height="17" width="34"></TD>
<TD height="17" width="335">
__________________________________________</TD></TR>
<TR VALIGN="TOP"><TD height="19" width="302"><FONT SIZE="-1">SIGNATURE OF SHAREHOLDER </FONT></TD>
<TD height="19" width="34">&nbsp;</TD>
<TD height="19" width="335"></FONT><FONT SIZE="-1">SIGNATURE OF SHAREHOLDER</FONT></TD></TR></TABLE>




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

<BR WP="BR1"></font><BR WP="BR2">
&nbsp;</p>
<p align="justify"><FONT SIZE="-1"><STRONG>PLEASE COMPLETE, DATE, SIGN AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED
POSTAGE-PREPAID ENVELOPE.</STRONG></FONT></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-----
