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<SEC-DOCUMENT>0000939057-07-000449.txt : 20071219
<SEC-HEADER>0000939057-07-000449.hdr.sgml : 20071219
<ACCEPTANCE-DATETIME>20071219132704
ACCESSION NUMBER:		0000939057-07-000449
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20071219
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20071219
DATE AS OF CHANGE:		20071219

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:		071315820

	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>k8121907.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
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<B><FONT FACE="Times New Roman"><P ALIGN="CENTER">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</P>

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

<FONT FACE="Times New Roman" SIZE=5><P ALIGN="CENTER">FORM 8-K</P></FONT>

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<P ALIGN="CENTER">CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</P></FONT>

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

<P>&nbsp;</P>

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<P ALIGN="CENTER">Date of Report (Date of earliest event reported): <B>December 19, 2007</P></B></FONT>

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<B><P ALIGN="CENTER">PROVIDENT FINANCIAL HOLDINGS, INC.</B></FONT><font face="Times New Roman"><BR>

(Exact name of registrant as specified in its charter)</P>

</font>

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

<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=0 WIDTH=100%>
<TR><TD WIDTH="33%" VALIGN="TOP">
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<B><P ALIGN="CENTER">Delaware</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP">
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<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>


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<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>

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

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<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; ]</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))</font></TD>
</TR>
</TABLE>

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<P ALIGN="CENTER">&nbsp;</P>
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<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 Torrance and Diamond Bar, California were closed on December 6, 2007 and December 11, 2007, respectively, and the one-time costs associated with the closures were $28,000 and $63,000, respectively.  The one-time costs are primarily the result of accelerating future lease obligations into the current reporting period because it is unlikely that we will be able to successfully negotiate lease buyouts or subleasing agreements.</P>
</FONT>

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

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<P><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>

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<FONT FACE="Times New Roman">
    Date:  December 19, 2007</FONT></td>
    <td width="50%">

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

<FONT FACE="Times New Roman">
    (Principal Financial and Accounting Officer) </FONT></td>
  </tr>
</table>

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

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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