-----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,
 LV+TrEZTtAWsSzyw7C32qgCOqP4yS3rOC15Ar2tZGuAX9KZWLVgeJF3gGHDyXRBO
 u3dZEv3BqKNszt62Vl6dPg==

<SEC-DOCUMENT>0000939057-07-000005.txt : 20070103
<SEC-HEADER>0000939057-07-000005.hdr.sgml : 20070101
<ACCEPTANCE-DATETIME>20070103161716
ACCESSION NUMBER:		0000939057-07-000005
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070103
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20070103
DATE AS OF CHANGE:		20070103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		07504779

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>k8010307.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
<HTML>
<BODY>

<B><FONT FACE="Times"><P ALIGN="CENTER">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</P>
<P ALIGN="CENTER"></P>
</FONT><FONT FACE="Times" SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
</FONT><FONT FACE="Times"><P ALIGN="CENTER"></P>

<P ALIGN="CENTER">CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</P>
</B><P ALIGN="CENTER"></P>
<P>&nbsp;</P>
<P ALIGN="CENTER">Date of Report (Date of earliest event reported): <B>January 3, 2007</P>
</B>
</FONT><B><FONT FACE="Times" SIZE=5><P ALIGN="CENTER">PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
</B></FONT><FONT FACE="Times">(Exact name of registrant as specified in its charter)</P>
<P ALIGN="CENTER"></P></FONT>
<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=100%>
<TR><TD WIDTH="33%" VALIGN="TOP">
<B><FONT FACE="Times"><P ALIGN="CENTER">Delaware</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><FONT FACE="Times"><P ALIGN="CENTER">000-28304</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<B><FONT FACE="Times"><P ALIGN="CENTER">33-0704889</B></FONT></TD>
</TR>
<TR><TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times"><P ALIGN="CENTER">(State or other jurisdiction<BR>
of incorporation)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">

<FONT FACE="Times"><P ALIGN="CENTER">(Commission<BR>
File Number)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">

<FONT FACE="Times"><P ALIGN="CENTER">(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE>

<FONT FACE="Times"><P ALIGN="CENTER"></P></FONT>
<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=100%>
<TR><TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="Times"><P ALIGN="CENTER">3756 Central Avenue, Riverside, California</B></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<B><FONT FACE="Times"><P ALIGN="CENTER">92506</B></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<FONT FACE="Times"><P ALIGN="CENTER">(Address of principal executive offices)</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<FONT FACE="Times"><P ALIGN="CENTER">(Zip Code)</FONT></TD>
</TR>
</TABLE>

<FONT FACE="Times">
<P ALIGN="CENTER">Registrant's telephone number, including area code:  <B>(951) 686-6060</P><BR>
</B><U>
</U></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR><TD VALIGN="TOP" COLSPAN=3>
<FONT FACE="Times" SIZE=2><P></FONT>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>

<P>[&nbsp; ]</font>&nbsp;&nbsp;&nbsp; &#9;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>

<P>[&nbsp; ]</font>&nbsp;&nbsp;&nbsp;&nbsp; &#9;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>

<P>[&nbsp; ]</font>&nbsp;&nbsp;&nbsp;&nbsp; &#9;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act       (17 CFR 240.14d-2(b))</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=3>

<P>[&nbsp; ]</font>&nbsp;&nbsp;&nbsp;&nbsp; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act       (17 CFR 240.13e-4(c))</TD>
</TR>
</TABLE>

<FONT FACE="Times">
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</font></P>
<B><P>Item 8.01  Other Events</P>
</B>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provident Savings Bank, FSB, the wholly-owned subsidiary of Provident Financial Holdings, Inc., announced the opening of its newest Retail Banking Center located at 3312 La Sierra Avenue, Suite 105 in Riverside, California. The news release announcing the opening is attached as Exhibit 99.1 and incorporated by reference herein.</P>
<P ALIGN="JUSTIFY"></P>
<B><P>Item 9.01  Financial Statements and Exhibits</P>
</B></FONT><FONT FACE="Times" SIZE=2>
</FONT><FONT FACE="Times"><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#9;Exhibits</P>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#9;News Release on the opening of the La Sierra Retail Banking Center dated January 3, 2007.</P>

<P>&nbsp;</P>

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

</FONT>
<FONT FACE="Times">
<B><P ALIGN="CENTER">SIGNATURES</P>
</B>
<P ALIGN="JUSTIFY">&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#9;Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P>Date:  January 3, 2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P>

<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">
<FONT FACE="Times">PROVIDENT FINANCIAL HOLDINGS, INC.</FONT></td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">&nbsp;</td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">&nbsp;</td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">
<FONT FACE="Times">

<U>/s/ 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;

</U></FONT></td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">
<FONT FACE="Times">Donavon P. Ternes</FONT></td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">
<FONT FACE="Times">Chief Financial Officer</FONT></td>
  </tr>
  <tr>
    <td width="47%">&nbsp;</td>
    <td width="53%">
<FONT FACE="Times">(Principal Financial and Accounting Officer) </FONT></td>
  </tr>
</table>

<P>&nbsp;</P>

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

<U>

</U>
<B><P ALIGN="CENTER">EXHIBIT 99.1</P></B><P ALIGN="left"><font size="2">&lt;PAGE&gt;</font></P>
<P ALIGN="left">&nbsp;</P>
<B><P></P>
<P>3756 Central Avenue<FONT SIZE=6>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NEWS RELEASE<BR>
</FONT>Riverside, CA 92506<BR>
(951) 686-6060</P>
</B>
<P>&nbsp;</P>


<B><FONT SIZE=4><P ALIGN="CENTER">Provident Bank Announces<BR>
Opening of Retail Banking Center in La Sierra</P>
</B></FONT><FONT SIZE=1>
<P>&nbsp;</P>


</FONT><I><P ALIGN="JUSTIFY" style="line-height: 200%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Riverside, CA - January 3, 2007 </I>- Provident Savings Bank, FSB (&quot;Bank&quot;), a subsidiary of Provident Financial Holdings, Inc. (&quot;Company&quot;), (NASDAQ GSM: PROV), today announced the opening of its newest Retail Banking Center located at 3312 La Sierra Avenue, Suite 105 in the La Sierra area of Riverside, California.  La Sierra branch manager and Riverside resident, Jennifer Lynch invites everyone to come out and visit the new office.</P>
<P ALIGN="JUSTIFY" style="line-height: 200%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Grand Opening/Ribbon Cutting celebration will be held on Saturday, February 24, 2007 from 11:00 a.m. to 2:00 p.m. and promises to be a family affair. Representatives from the Riverside Police Department will be fingerprinting kids at the event as part of their FREE Kid's Identification Program.</P>
<P ALIGN="JUSTIFY" style="line-height: 200%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Bank's &quot;Swipe and Win&quot; advertising campaign is scheduled to kick off on Monday, January 15, 2007, with a grand prize of one thousand dollars. Several iPod&reg; Shuffle&trade; digital players, Ralphs Gift Cards, along with other great prizes round out the contest give-aways.  &quot;We're very excited about this grand opening promotion,&quot; stated Craig G. Blunden,
Chairman, President and CEO. &quot;I'm looking forward to handing over a one thousand
dollar check to the winner,&quot; he adds. The &quot;Swipe and Win&quot; contest period will
run through Saturday, March 31, 2007. Game cards can be picked up at the La
Sierra </P>
<hr color="#000000" size="1">
<CENTER><font size="2">1 of 2</font></CENTER>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
</P>
<P ALIGN="JUSTIFY" style="line-height: 200%">branch location. In addition to the
contest, new customers will receive premium rates on Certificates of Deposit and
Money Market Accounts. Call (951) 353-9897 for current rate information.</P>
<P ALIGN="JUSTIFY" style="line-height: 200%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Provident Savings Bank, FSB is a community-oriented, federally chartered, full-service retail bank with assets of approximately $1.7 billion.  Headquartered in Riverside, California, the Bank currently operates 13 retail/business banking offices and 14 Provident Bank Mortgage loan production offices located primarily in Southern California.  Additional information about the Bank can be found on the Internet at <U>www.myprovident.com</U>, through our Corporate Call Center at 1-800-442-5201 or by visiting one of our branches.</P>
<P ALIGN="JUSTIFY"></P>
<P>*iPod  and Apple are registered trademarks of Apple Computers, Inc. Shuffle is a trademark of Apple Computers, Inc.  Apple is not a participant or sponsor of this promotion. </P>
<P ALIGN="CENTER"></P>








<P align="center">     Safe-Harbor Statement</P>
<FONT SIZE=2><P ALIGN="JUSTIFY"></P>








<I><P ALIGN="JUSTIFY">Certain matters in this Press Release constitute forward looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  These forward looking statements relate to, among others, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company's mission and vision.  These forward looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties.  The Company's actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward looking statements due to a wide range of factors including, but not limited to, the general business environment, interest rates, the California real estate market, competitive conditions between banks and non-bank financial services providers, regulatory changes, and other r
isks detailed in the Company's reports filed with the Securities and Exchange Commission, including the Annual Report on Form 10-K for the fiscal year ended June 30, 2006.  Forward looking statements are effective only as of the date that they are made and Provident Financial Holdings, Inc. assumes no obligation to update this information.</P>
</I></FONT><B>
</B><P>Contacts:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Craig G. Blunden&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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<B></B><B><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;
</B>
Chairman, President &amp; CEO&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chief Financial Officer</P>
<hr color="#000000" size="1"><CENTER> <font size="2">2 of 2 </font> </CENTER>
<P></P>
<p><font size="2">&lt;PAGE&gt;</font></p>




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