-----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,
 KbMzhG5c7STRL56Od9j1GlbNt2AYLbCS838hZF+WuVZ83WOmfgeYo2bj+Zn3eDmT
 Wg5BUgJKEK2ZE5YT4qknOg==

<SEC-DOCUMENT>0000939057-07-000432.txt : 20071128
<SEC-HEADER>0000939057-07-000432.hdr.sgml : 20071128
<ACCEPTANCE-DATETIME>20071128164136
ACCESSION NUMBER:		0000939057-07-000432
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20071128
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20071128
DATE AS OF CHANGE:		20071128

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:		071271992

	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>pbmclose.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
<HTML>
<BODY>

<B><FONT FACE="Times New Roman"><P ALIGN="CENTER">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</P>
</FONT><FONT FACE="Times">
<P ALIGN="CENTER"></P>
</FONT><FONT FACE="Times New Roman" SIZE=5><P ALIGN="CENTER">FORM 8-K</P>
</FONT><FONT FACE="Times"><P ALIGN="CENTER"></P>
</FONT><FONT FACE="Times New Roman">
<P ALIGN="CENTER">CURRENT REPORT</P>
<P ALIGN="CENTER">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</P>
</FONT>
</B><FONT FACE="Times"><P ALIGN="CENTER"></P>
<P>&nbsp;</P>
<FONT FACE="Times New Roman">
<P ALIGN="CENTER">Date of Report (Date of earliest event reported): <B>November 28, 2007</P>
</B>
</FONT>
</FONT><FONT FACE="Times New Roman" SIZE=5><B><P ALIGN="CENTER">PROVIDENT FINANCIAL HOLDINGS, INC.<BR>
</B></FONT><FONT FACE="Times New Roman">
(Exact name of registrant as specified in its charter)</P>
</FONT>

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

<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=100%>
<TR><TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman">
<B><P ALIGN="CENTER">Delaware</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman">
<B><P ALIGN="CENTER">000-28304</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman">
<B><P ALIGN="CENTER">33-0704889</B></FONT></TD>
</TR>
<TR><TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman"><P ALIGN="CENTER">(State or other jurisdiction<Br>
of incorporation)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman"><P ALIGN="CENTER">(Commission<BR>
File Number)</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
<FONT FACE="Times New Roman"><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">
<FONT FACE="Times New Roman">
<B><P ALIGN="CENTER">3756 Central Avenue, Riverside, California</B></FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<FONT FACE="Times New Roman">
<B><P ALIGN="CENTER">92506</B></FONT></TD>
</TR>
<TR><TD WIDTH="50%" VALIGN="TOP">
<FONT FACE="Times New Roman"><P ALIGN="CENTER">(Address of principal executive offices)</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP">
<FONT FACE="Times New Roman"><P ALIGN="CENTER">(Zip Code)</FONT></TD>
</TR>
</TABLE>

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

<FONT FACE="Times">
<P ALIGN="CENTER">&nbsp;</P></FONT>
<TABLE CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR><TD VALIGN="TOP">
<FONT FACE="Times" SIZE=2><P></FONT><font face="Times New Roman">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.</font></TD>
</TR>
<TR><TD VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP">

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

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

<P><font face="Times New Roman">[&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))</font></TD>
</TR>
<TR><TD VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP">

<P><font face="Times New Roman">[&nbsp; ]&nbsp;&nbsp;&nbsp; </font>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))</font></TD>
</TR>
</TABLE>

<FONT FACE="Times New Roman">
<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 Financial Holdings, Inc. (&quot;Company&quot;), the holding company for Provident Savings Bank, F.S.B. provides the following update regarding the closure of the Provident Bank Mortgage (&quot;PBM&quot;) loan production offices announced on October 15, 2007.  The PBM loan production offices in Temecula and La Quinta, California were closed on October 15, 2007 and November 6, 2007, respectively, and the one-time costs associated with the action were immaterial.  The Company also closed the PBM loan production office in San Diego, California on November 27, 2007 and executed a buyout of the lease agreement for a one-time cost of $75,000; other costs associated with this action were immaterial.  The Company has scheduled the closure of the PBM loan production offices in Torrance and Diamond Bar, California for December 6, 2007 and December 11, 2007, respectively.  The one-time costs associated with these closures have not been estimated bec
ause lease buyouts and/or subleasing agreements have not been finalized.</P>
</FONT>

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

<FONT FACE="Times New Roman">
<P ALIGN="JUSTIFY"><font size="2">&lt;PAGE&gt;</font></P>
<B><P>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>

</FONT>

<FONT FACE="Times">
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%">
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
  <tr>
    <td width="50%">

<FONT FACE="Times New Roman">
    Date:  November 28, 2007</FONT></td>
    <td width="50%">

<FONT FACE="Times New Roman">
    PROVIDENT FINANCIAL HOLDINGS, INC.</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">&nbsp;</td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">

<FONT FACE="Times New Roman">

<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;&nbsp;

</U></FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">

<FONT FACE="Times New Roman">
    Donavon P. Ternes</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">

<FONT FACE="Times New Roman">
    Chief Financial Officer</FONT></td>
  </tr>
  <tr>
    <td width="50%">&nbsp;</td>
    <td width="50%">

<FONT FACE="Times New Roman">
    (Principal Financial and Accounting Officer) </FONT></td>
  </tr>
</table>
<P>&#9;&#9;&#9;&#9;&nbsp;</P>

<P>&#9;&#9;&#9;&#9;&#9;&#9;<font size="2" face="Times New Roman">&lt;PAGE&gt;</font></P>
<P>&#9;&#9;&#9;&#9;&#9;&#9;&nbsp;</P></FONT>

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