-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NMry1tTba17Q/TD6LY1Y9QcH5+MhWFP21b1RK0kDx3fvXyc6i9y1TH9wk9e5EssL
 ZBaV9QC3JQs1zqg5Xhg3gA==

<SEC-DOCUMENT>0000939057-06-000039.txt : 20060209
<SEC-HEADER>0000939057-06-000039.hdr.sgml : 20060209
<ACCEPTANCE-DATETIME>20060209152810
ACCESSION NUMBER:		0000939057-06-000039
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20060209
DATE AS OF CHANGE:		20060209

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BLUNDEN CRAIG G
		CENTRAL INDEX KEY:			0001180894

	FILING VALUES:
		FORM TYPE:		SC 13D

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9097826188

SUBJECT COMPANY:	

	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:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48569
		FILM NUMBER:		06592819

	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>SC 13D
<SEQUENCE>1
<FILENAME>cb13d.htm
<DESCRIPTION>SCHEDULE 13D FOR CRAIG BLUNDEN
<TEXT>
<HTML>
<BODY>

<P ALIGN="CENTER">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</P>
<P ALIGN="CENTER"></P>
<B><FONT SIZE=4><P ALIGN="CENTER">SCHEDULE 13D</P>
</B></FONT><P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Under the Securities Exchange Act of 1934<BR>
(Amendment No. ________)*</P>
<P ALIGN="CENTER"></P>
<U><P ALIGN="CENTER">Provident Financial Holdings, Inc.<BR>
</U>(Name of Issuer)</P>
<P ALIGN="CENTER"></P>
<U><P ALIGN="CENTER">Common Stock, par value $0.01 per share<BR>
</U>(Title of Class of Securities)</P>
<P ALIGN="CENTER"></P>
<U><P ALIGN="CENTER">743868101<BR>
</U>(CUSIP Number)</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">Craig G. Blunden<BR>
Provident Financial Holdings, Inc.<BR>
3756 Central Avenue<BR>
Riverside, California 92506<BR>
<U>(951) 686-6060<BR>
</U>(Name, Address and Telephone Number of Person Authorized <BR>
to Receive Notices and Communications)</P>
<P ALIGN="CENTER"></P>
<U><P ALIGN="CENTER">February 7, 2006<BR>
</U>(Date of Event which Requires Filing of this Statement)</P>
<P ALIGN="CENTER"></P>
<P ALIGN="JUSTIFY">If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Sections 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box [   ].</P>
<P ALIGN="JUSTIFY"></P>
<I><P ALIGN="JUSTIFY">Note:</I>  Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits.  <I>See</I> Section 240.13d-7 for other parties to whom copies are to be sent.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">*The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">The information required on the remainder of this cover page shall not be deemed to be &quot;filed&quot; for the purpose of Section 18 of the Securities Exchange Act of 1934 (&quot;Act&quot;) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, <I>see</I> the <I>Notes</I>).</P>

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

<B><P align="left">CUSIP No. 743868101&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; SCHEDULE 13D&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Page 2 of 6 Pages</P>
</B>
<P ALIGN="CENTER"><CENTER>
<div align="center">
  <center>
  <TABLE WIDTH=100% style="border-collapse: collapse; border-right-width: 0" cellspacing="0" cellpadding="0" bordercolor="#111111">
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-right-style: none; border-right-width: medium; border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>1</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-left-style: none; border-left-width: medium; border-right-style: none; border-right-width: medium; border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>NAMES OF REPORTING PERSONS<BR>
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS</P>

<P>Craig G. Blunden</P>

</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>2</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP </P>

<P>(a)&nbsp;&nbsp;&nbsp; [&nbsp;    ]<BR>
(b)&nbsp;&nbsp;&nbsp; [&nbsp;    ]</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>3</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SEC USE ONLY</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>4</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SOURCE OF FUNDS</P>

<P>  PF/OO</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>5</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>CHECK IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED<BR>
PURSUANT TO ITEMS 2(d) OR 2(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
[&nbsp; ]<BR><BR>
</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>6</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>CITIZENSHIP OR PLACE OF ORGANIZATION</P>

<P>United States</FONT></TD>
</TR>
<TR>
  <TD WIDTH="23%" COLSPAN=2 ROWSPAN=4 HEIGHT=26 style="border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2>

<P ALIGN="CENTER">NUMBER OF<BR>
SHARES<BR>
BENEFICIALLY<BR>
OWNED BY<BR>
EACH<BR>
REPORTING<BR>
PERSON WITH</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2>
<B><P>7</B></FONT></TD>
<TD WIDTH="69%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SOLE VOTING POWER</P>

<P>418,971</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>8</B></FONT></TD>
<TD WIDTH="69%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SHARED VOTING POWER</P>

<P>20,985</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>9</B></FONT></TD>
<TD WIDTH="69%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SOLE DISPOSITIVE POWER</P>

<P>418,971</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>10</B></FONT></TD>
<TD WIDTH="69%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>SHARED DISPOSITIVE POWER</P>

<P>20,985</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>11</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>

<P>439,956</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>12</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES<BR>
CERTAIN SHARES&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
[&nbsp; ]<BR><BR>
</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>13</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) </P>

<P>6.23%</FONT></TD>
</TR>
<TR>
  <TD WIDTH="8%" VALIGN="TOP" HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<B><FONT SIZE=2><P>14</B></FONT></TD>
<TD WIDTH="92%" VALIGN="TOP" COLSPAN=3 HEIGHT=26 style="border-top-style: solid; border-top-width: 1; border-bottom-style: solid; border-bottom-width: 1">
<FONT SIZE=2><P>TYPE OF REPORTING PERSON</P>

<P>IN</FONT></TD>
</TR>
</TABLE>
  </center>
</div>
</CENTER></P>

<FONT SIZE=2>
<P>&lt;PAGE&gt;</P>
</FONT>
<B><P ALIGN="RIGHT">Page 3 of 6 Pages</P>



<P ALIGN="JUSTIFY">Item 1.&nbsp;  Security and Issuer</P>
</B><P ALIGN="JUSTIFY"></P>



<P ALIGN="JUSTIFY">This statement relates to the Common Stock of Provident Financial Holdings, Inc. (&quot;Corporation&quot;).  The name and address of the principal executive offices of the Corporation, the issuer of such securities, is as follows:</P>
<P ALIGN="JUSTIFY"></P>




<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provident Financial Holdings, Inc.<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;
3756 Central Avenue<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;
Riverside, California 92506<BR>
<P ALIGN="JUSTIFY"></P>

<B><P ALIGN="JUSTIFY">Item 2.  Identity and Background</P>
</B><P ALIGN="JUSTIFY"></P>

<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This Schedule 13D is filed on behalf of Craig G. Blunden, the Reporting Person.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden's business address is:</P>
<P ALIGN="JUSTIFY"></P>


<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3756 Central Avenue<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;
Riverside, California 92506</P>
<P ALIGN="JUSTIFY"></P>


<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden's principal occupation is President and Chief Executive Officer of the Corporation.<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Mr. Blunden also serves as a member of the Board of Directors of the Corporation.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; During the last five years, Mr. Blunden has not been convicted in a criminal proceeding.<B> </P>
</B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; During the past five years, Mr. Blunden has not been a part to a civil proceeding of a judicial or<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; administrative body of competent jurisdiction and as a result of such proceeding subjects or<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; subjected Mr. Blunden to a judgment, decree or final order enjoining future violations of, or<BR>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; prohibiting or mandating activities subject to, federal or state securities, laws, or finding any<BR>
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    violation with respect to such laws. </P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden is a citizen of the United States of America.</P>
<P ALIGN="JUSTIFY"></P>

<B><P ALIGN="JUSTIFY">Item 3.  Source and Amount of Funds or Other Consideration.</P>
</B><P ALIGN="JUSTIFY"></P>



<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden has purchased or acquired the shares described in his Schedule 13D through a combination of personal funds and other sources.  Included in the aggregate amount owned of 439,956 shares are 230,625 shares of Common Stock of the Corporation, which were acquired by Mr. Blunden through the exercise of stock options on February 7, 2006 at an exercise price of $6.78 per stock option, and which were purchased utilizing the proceeds of a loan in the amount of $1,563,637.50 from UBS Financial Services, Inc., Chicago, Illinois, bearing variable interest at one month LIBOR plus 1%.  The loan is collateralized by a pledge of the 230,625 shares acquired by Mr. Blunden in the exercise of his stock options. </P>



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



<P ALIGN="right"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Page 4 of 6 Pages</b></P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Also included in the aggregate amount owned of 439,956 shares are 12,978 shares of Common Stock in Mr. Blunden's account of the Corporation's Employee Stock Ownership Plan; 32,400 options granted pursuant to the Corporation's Stock Option Plans that are exercisable within 60 days of February 7, 2006; 56,025 shares of Common Stock held in a 401(k) plan; and 8,007 shares of Common Stock held in the 401(k) plan of Mr. Blunden's spouse.  Mr. Blunden also owns 99,921 shares of Common Stock directly; all of which were purchased with personal funds, or distributed to Mr. Blunden through his participation in the Corporation's 1996 Management Recognition Plan.</P>
<P ALIGN="JUSTIFY"></P>



<B><P ALIGN="JUSTIFY">Item 4.  Purpose of Transaction</P>
</B><P ALIGN="JUSTIFY"></P>



<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Reporting Person is presently a Director, President and Chief Executive Officer of the Issuer.  The Reporting Person intends to continue to participate in the management and operations of the Issuer.  The Reporting Person purchased the Common Stock for investment purposes.  Depending on market conditions, economic conditions and any other relevant factors, the Reporting Person may alter his holdings in the Common Stock through open market purchases or sales, or through privately negotiated transactions.  The Reporting Person intends to evaluate his holdings in the Issuer on a continual basis. </P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Reporting Person has no present plans or proposals which relate to or would result in:  (a) The acquisition by any persons of additional securities of the Issuer or the disposition of securities of the Issuer; (b) an extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the Issuer or any of its subsidiaries; (c) a sale or transfer of a material amount of assets of the Issuer or any of its subsidiaries; (d) any change in the present Board of Directors or management of the Issuer, including any plans or proposals to change the number or term of directors or to fill any existing vacancies on the Board; (e) any material change in the present capitalization or dividend policy of the Issuer; (f) any other material change in the Issuer's business or corporate structure; (g) changes in the Issuer's charter, bylaws or instruments corresponding thereto or other action which may impede the acquisition of control 
of the Issuer by any person; (h) causing a class of securities of the Issuer to be delisted from a national securities exchange or to cease to be authorized or quoted in an inter-dealer quotation system of a registered national securities of the Issuer becoming eligible for termination of registration pursuant to Section 12(g)(4) of the Securities Exchange Act of 1934, as amended; or (j) any action similar to any of those enumerated above. </P>
<P ALIGN="JUSTIFY"></P>



<B><P ALIGN="JUSTIFY">Item 5.  Interest in Securities of the Issuer</P>
</B><P ALIGN="JUSTIFY"></P>



<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The percentages used in this Schedule 13D are calculated based on the Corporation's 7,058,296 shares of outstanding Common Stock on February 7, 2006.</P>
<P ALIGN="JUSTIFY"></P>




<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden has beneficial ownership (as defined in Rule 13d-3) of 439,956<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 shares, or 6.23%, of the Corporation's Common Stock.</P>




<P ALIGN="JUSTIFY"><font size="2">&lt;PAGE&gt;</font></P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="right"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Page 5 of 6 Pages</b></P>





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





(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden has sole voting and dispositive power with respect to 418,971 shares of Common<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 Stock.  Included in this amount are 32,400 options granted pursuant to the Corporation's Stock<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Option Plans that are exercisable within 60 days of February 7, 2006; 56,025 shares held in a<BR>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
   401(k) plan; and 330,546 shares held directly.


<P ALIGN="JUSTIFY"></P>




<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Blunden has shared voting and dispositive power with respect to 20,985  shares of Common<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stock.  Included in this amount are 12,978 shares Mr. Blunden received from the Corporation's<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Employee Stock Ownership Plan, and 8,007 shares held in the 401(k) Plan of Mr. Blunden's<BR>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
   spouse, over which Mr. Blunden is deemed to have beneficial ownership.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.</P>
<P ALIGN="JUSTIFY"></P>

<B><P ALIGN="JUSTIFY">Item 6.&nbsp; Contracts, Arrangements, Understandings or Relationships<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
with Respect to Securities of the Issuer</P>
</B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There are no contracts, arrangements, understandings or relations with Mr. Blunden and any other person with respect to the securities. </P>
<P ALIGN="JUSTIFY"></P>
<B><P ALIGN="JUSTIFY">Item 7.&nbsp;  Material to be Filed as Exhibits</P>
</B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; None.</P>
<P ALIGN="JUSTIFY"><font size="2">&lt;PAGE&gt;</font></P>
<P ALIGN="right"><b>Page 6 of 6 Pages</b></P>
<P ALIGN="JUSTIFY"></P>
<B><P ALIGN="CENTER">SIGNATURE</P>
</B><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; After reasonable inquiry and to the best of my knowledge and belief I certify that the information set forth in this statement is true, complete and correct.</P>
<FONT SIZE=2><P ALIGN="JUSTIFY"></P></FONT>
<TABLE BORDER="0" CELLSPACING=0 WIDTH=624 cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">February  9, 2006<hr color="#000000" size="1"></TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">Date</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<p align="center">/s/Craig G. Blunden
<hr color="#000000" size="1"></TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">Signature</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">Craig G. Blunden</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">President and Chief Executive Officer</TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">Provident Financial Holdings, Inc.<hr color="#000000" size="1"></TD>
</TR>
<TR><TD WIDTH="46%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="54%" VALIGN="TOP">
<P ALIGN="CENTER">Name/Title</TD>
</TR>
</TABLE>

<FONT SIZE=2><P ALIGN="JUSTIFY"></P>
</FONT><P ALIGN="JUSTIFY">&nbsp;</P>

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