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<SEC-DOCUMENT>0000939057-07-000323.txt : 20070914
<SEC-HEADER>0000939057-07-000323.hdr.sgml : 20070914
<ACCEPTANCE-DATETIME>20070914163235
ACCESSION NUMBER:		0000939057-07-000323
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20070914
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20070914
DATE AS OF CHANGE:		20070914

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:		071118035

	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>k8091407.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
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<B><P ALIGN="CENTER">UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
Washington, D.C. 20549<br><br>
</FONT><FONT SIZE=5>FORM 8-K<br><br></FONT>

CURRENT REPORT<br>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934<br><br><br></B>

Date of Report (Date of earliest event reported): <B>September 14, 2007<br><Br></B></FONT>

<B><FONT SIZE=5>PROVIDENT FINANCIAL HOLDINGS, INC.<br></B></FONT>
(Exact name of registrant as specified in its charter)</P>


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<TR>
<TD WIDTH="33%" VALIGN="TOP" align=center><B>Delaware</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" align=center><B>000-28304</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" align=center><B>33-0704889</B></FONT></TD>
</TR>

<TR>
<TD WIDTH="33%" VALIGN="TOP" align=center>(State or other jurisdiction<br>of incorporation)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" align=center>(Commission<br>File Number)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" align=center>(I.R.S. Employer<br>Identification No.)</FONT></TD>
</TR>
</TABLE>


<TABLE align=center CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH="100%" style="border-collapse: collapse" bordercolor="#111111">
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<TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP">&nbsp;</TD>
</TR>

<TR>
<TD WIDTH="50%" VALIGN="TOP" align=center><B>3756 Central Avenue, Riverside, California</B></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP" align=center><B>92506</B></FONT></TD>
</TR>

<TR>
<TD WIDTH="50%" VALIGN="TOP" align=center>(Address of principal executive offices)</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP" align=center>(Zip Code)</FONT></TD>
</TR>
</TABLE>


<P ALIGN="CENTER">Registrant's telephone number, including area code:  <B>(951) 686-6060</P></B>

<BR>
<TABLE align=center CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR>
<TD align=justify VALIGN="TOP"><FONT SIZE=3>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" align=left>[&nbsp;&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" align=left>[&nbsp;&nbsp;]&nbsp;&nbsp; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
</TR>

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<TD VALIGN="TOP">&nbsp;</TD>
</TR>

<TR>
<TD VALIGN="TOP" align=left>[&nbsp;&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" align=left>[&nbsp;&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>


<BR>
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</P></font>
<BR><font size="3">


<B><P>Item 8.01&nbsp;&nbsp;Other Events</P></B>

<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provident Financial Holdings, Inc. ("Company"), the holding company for Provident Savings Bank, F.S.B. closed its Provident Bank Mortgage loan production office in Vista, California, effective September 14, 2007.  The Company estimates that the one-time charges associated with the office closure will be immaterial.  The future estimated cost savings, as a result of this action, is approximately $25,500 per month beginning on October 1, 2007.</P>


<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>

<BR>
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</P></font>
<BR><font size="3">




<B><P ALIGN="CENTER">SIGNATURES</P></B>

<P ALIGN="JUSTIFY">&nbsp;&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><BR>

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<TD align=left width=45% valign=top></TD>
<TD align=left width=50% valign=top></TD>
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<TR>
<TD align=left width=45% valign=top>Date:&nbsp;&nbsp;September 14, 2007</TD>
<TD align=left width=50% valign=top>PROVIDENT FINANCIAL HOLDINGS, INC.</TD>
</TR>

<TR>
<TD align=left width=45% valign=top></TD>
<TD align=left width=50% valign=top>&nbsp;</TD>
</TR>

<TR>
<TD align=left width=45% valign=top>&nbsp;</TD>
<TD align=left width=50% valign=top></TD>
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<TD align=left width=45% valign=top>&nbsp;</TD>
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<TR>
<TD align=left width=45% valign=top></TD>
<TD align=left width=50% valign=top><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;</U><BR>Donavon P. Ternes<BR>Chief Financial Officer<BR>(Prinicipal Financial and Accounting Officer)</TD>
</TR>
</TABLE>

<BR>
<P ALIGN="left"><font size="2">&lt;PAGE&gt;</P></font>
<BR><font size="3">


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