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<SEC-DOCUMENT>0000939057-07-000223.txt : 20070702
<SEC-HEADER>0000939057-07-000223.hdr.sgml : 20070702
<ACCEPTANCE-DATETIME>20070702094116
ACCESSION NUMBER:		0000939057-07-000223
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070629
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20070702
DATE AS OF CHANGE:		20070702

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:		07953140

	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>k8062907.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
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<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>June 29, 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>
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<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>
</B><U>
</U><P ALIGN="CENTER">&nbsp;</P></FONT>
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<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">&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP">

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

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

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

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

<FONT FACE="Times">
<P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</font></P>
<B><P>Item 1.01       Entry into a Material Definitive Agreement.</P>
</B></FONT><FONT FACE="Times" SIZE=2>
<P ALIGN="JUSTIFY"></FONT><FONT FACE="Times">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The information included in Item 5.02 of this Current Report on Form 8-K is incorporated by reference into this Item 1.01 of this Current Report on Form 8-K.</P>
<P ALIGN="JUSTIFY"></P>
<B><P ALIGN="JUSTIFY">Item 5.02  Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers.</P>
</B></FONT><FONT FACE="Times" SIZE=2>
</FONT><FONT FACE="Times"><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c) On June 29, 2007, Provident Financial Holdings, Inc. (&quot;Corporation&quot;) the holding company for Provident Savings Bank, F.S.B. (&quot;Bank&quot;) announced that the Bank appointed David Weiant to the position of Senior Vice President and Chief Lending Officer.  Mr. Weiant has more than 25 years of experience with financial institutions including the last 10 years in senior management.  </P>

<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Weiant's compensation arrangement with the Bank provides that he will be entitled to an annual base salary of $186,000, eligible to receive an annual bonus with a baseline target up to 25% of salary and a one-time sign-on bonus of $12,500 which is subject to forfeiture if he leaves the employment of the Bank before his one-year anniversary.  Mr. Weiant will receive an Incentive Stock Option Grant of 50,000 shares, a Restricted Stock Award of 4,000 shares and will enter into a standard form of severance agreement with 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.  Mr. Weiant will also receive an automobile allowance of $700 per month, four weeks of vacation each year and be eligible to participate in any benefit plan of the Bank including the Employee Stock Ownership Plan, 401(k) Plan and medical, dental or other insurance plans.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A copy of the news release is attached as Exhibit 99.1 and is incorporated herein by reference.</P>
<P ALIGN="JUSTIFY"></P>
<B><P ALIGN="JUSTIFY">Item 9.01&nbsp;&nbsp;&nbsp; Financial Statements and Exhibits.</P>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
  <tr>
    <td width="6%" align="right"><FONT FACE="Times">(c)</FONT></td>
    <td width="94%"><FONT FACE="Times">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exhibits.</LI></FONT></td>
  </tr>
  <tr>
    <td width="6%" align="right">&nbsp;</td>
    <td width="94%">&nbsp;</td>
  </tr>
  <tr>
    <td width="6%" align="right" valign="top"><FONT FACE="Times">10.1</FONT></td>
    <td width="94%"><FONT FACE="Times">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Form of Severance Agreement (incorporated by reference to Exhibit 10.1 contained in the Corporation's <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Current Report on Form 8-K dated June 30, 2006).</LI></FONT></td>
  </tr>
  <tr>
    <td width="6%" align="right">&nbsp;</td>
    <td width="94%">&nbsp;</td>
  </tr>
  <tr>
    <td width="6%" align="right" valign="top">10.2 </td>
    <td width="94%"><FONT FACE="Times">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Form of Incentive Stock Option Agreement for options granted under the 2003 Stock Option Plan <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (incorporated by reference to Exhibit 10.13 to the Corporation's Annual Report on Form 10-K for <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; the year ended June 30, 2005).</LI></FONT></td>
  </tr>
  <tr>
    <td width="6%" align="right">&nbsp;</td>
    <td width="94%">&nbsp;</td>
  </tr>
  <tr>
    <td width="6%" align="right" valign="top">10.3</td>
    <td width="94%"><FONT FACE="Times">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Form of Restricted Stock Agreement for restricted shares awarded under the 2006 Equity Incentive Plan <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (incorporated by reference to Exhibit 10.12 in the Corporation's Form 10-Q for the quarter ended December <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31, 2006).</LI></FONT></td>
  </tr>
  <tr>
    <td width="6%" align="right">&nbsp;</td>
    <td width="94%">&nbsp;</td>
  </tr>
  <tr>
    <td width="6%" align="right"><FONT FACE="Times">99.1</FONT></td>
    <td width="94%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT FACE="Times">News Release of Provident Financial Holdings, Inc. dated June 29, 2007.</FONT></td>
  </tr>
  </table>

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

</P>

<P ALIGN="JUSTIFY">           </P>
</FONT>
<FONT FACE="Times">

<B><P ALIGN="CENTER">SIGNATURES</P>
</B>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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>

<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
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    <td width="50%">
<FONT FACE="Times">Date: July 2, 2007</FONT></td>
    <td width="50%">
<FONT FACE="Times">PROVIDENT FINANCIAL HOLDINGS, INC.</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
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    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
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    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
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    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
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    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">
<U>
    /s/ 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

</U></FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">Craig G. Blunden</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">Chairman, President &amp; CEO</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">(Principal Executive Officer)</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
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    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
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    <td width="50%">&nbsp;</td>
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    <td width="50%">&nbsp;</td>
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    <td width="50%">&nbsp;</td>
    <td width="50%">
<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;

</U></FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">Donavon P. Ternes</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">Chief Financial Officer</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">
<FONT FACE="Times">(Principal Financial and Accounting Officer)</FONT></td>
  </tr>
</table>
</FONT>
<p><font face="Times" size="2">&lt;PAGE&gt;</font></p>

<p>&nbsp;</p>
<B><P>Provident Financial Holdings, Inc.
<hr color="#000000" size="1">
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
  <tr>
    <td width="57%">&nbsp;</td>
    <td width="43%" valign="bottom">&nbsp;</td>
  </tr>
  <tr>
    <td width="57%">
<B>3756 Central Ave.     <FONT SIZE=6>&nbsp;</FONT></B></td>
    <td width="43%" valign="bottom">
<B>     <FONT SIZE=6>NEWS RELEASE</FONT></B></td>
  </tr>
  <tr>
    <td width="57%">
<B>Riverside, CA 92506</B></td>
    <td width="43%">&nbsp;</td>
  </tr>
  <tr>
    <td width="57%">
<B>(951) 686-6060</B></td>
    <td width="43%">&nbsp;</td>
  </tr>
</table>
<p>     <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;&nbsp;&nbsp;&nbsp;&nbsp; </FONT><BR>
<BR>
&nbsp;</p>
</P>

<FONT SIZE=5>
<P ALIGN="CENTER">Provident Financial Holdings Appoints <BR>
Senior Vice President - Chief Lending Officer</P>
</FONT>
</B>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Riverside, Calif. - June 29, 2007 - Provident Financial Holdings, Inc. (&quot;Company&quot;), Nasdaq GS: PROV, the holding company for Provident Savings Bank, F.S.B. (&quot;Bank&quot;), announced today that the Bank appointed David Weiant as Senior Vice President and Chief Lending Officer.  Mr. Weiant has more than 25 years of experience with financial institutions including the last 10 years in senior management.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Mr. Weiant joins the Bank most recently from Professional Business Bank where he was responsible for their commercial lending efforts in the Los Angeles and Inland Empire regions of Southern California.  Prior to that he was with Southwest Community Bank where he was responsible for building their Orange County and Inland Empire commercial lending teams.  His experience includes commercial, construction, SBA, C&amp;I and asset based lending.</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Craig G. Blunden, chairman and chief executive officer stated, &quot;I am pleased that David has joined our senior management team.  David's prior success and vast experience will drive our future success in preferred loans, a task he is very qualified to manage.&quot;</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &quot;I am looking forward to the tremendous opportunity I see at Provident,&quot; commented Mr. Weiant.  &quot;I am familiar with many financial institutions but few community banks are so well positioned to serve their customers, even fewer have been doing so for over 50 years.&quot;</P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company is the holding company for Provident Savings Bank, F.S.B., which is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California.  The Bank conducts its business operations as Provident Bank, Provident Bank Mortgage and through its subsidiary, Provident Financial Corp.  Business activities consist of community banking, mortgage banking, investment services and real estate operations.</P>
<hr color="#000000" size="1">
<P ALIGN="center">Page 1 of 2</P>
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</font></P>
<P ALIGN="JUSTIFY"></P>


<B><P>Provident Financial Holdings, Inc.
<hr color="#000000" size="1">
</B>
<P ALIGN="JUSTIFY">    </P>
<P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">   </P>
<P ALIGN="JUSTIFY">   </P>
<P ALIGN="JUSTIFY">   </P>
<P ALIGN="JUSTIFY">   </P>
<P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="CENTER">Safe-Harbor Statement</P>
<FONT SIZE=2><P ALIGN="CENTER"></P>
<I><P ALIGN="JUSTIFY">Certain matters in this News Release may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  These forward-looking statements may 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 as a result of 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 risks detailed in the Company's reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2006.</P>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
  <tr>
    <td width="10%">Contacts:</td>
    <td width="39%">Craig G. Blunden </td>
    <td width="101%">Donavon P. Ternes</td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="39%">Chairman, President &amp; CEO</td>
    <td width="101%">Executive Vice President &amp; CFO</td>
  </tr>
</table>
</I></FONT>
<P>&nbsp;</P>
<hr color="#000000" size="1">
<P align="center">Page 2 of 2</P>
<P><font size="2">&lt;PAGE&gt;</font></P>
<P>&nbsp;</P>

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