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<SEC-DOCUMENT>0000939057-09-000273.txt : 20091013
<SEC-HEADER>0000939057-09-000273.hdr.sgml : 20091012
<ACCEPTANCE-DATETIME>20091013122549
ACCESSION NUMBER:		0000939057-09-000273
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20091009
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20091013
DATE AS OF CHANGE:		20091013

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:		091116145

	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>k8100909.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
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STATES</font></div>
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AND EXCHANGE COMMISSION</font></div>
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D.C. 20549</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 18pt; FONT-FAMILY: Times New Roman">FORM
8-K</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT
REPORT</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
to Section 13 or 15(d) of the Securities Exchange Act of 1934</font></div>
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    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date of
Report (Date of earliest event reported): <font style="DISPLAY: inline; FONT-WEIGHT: bold">October 9, 2009</font></font></div>
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FINANCIAL HOLDINGS, INC.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Exact
name of registrant as specified in its charter)</font></div>
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      Employer</font></div>
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      No.)</font></div>
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      Central Avenue, Riverside, California</font></div>
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telephone number, including area code:&#160;&#160;<font style="DISPLAY: inline; FONT-WEIGHT: bold">(951) 686-6060</font></font></div>
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      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></div>
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      </font>Written communications pursuant to Rule 425 under the Securities
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      </font>Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(17
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      Exchange Act&#160;&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(17
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    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
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    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
7.01&#160;&#160;Regulation FD Disclosure.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>We are furnishing this report for Forma
8-K in connection with the disclosure of information, in the form of the textual
information from a press release released on October 9, 2009.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">In
accordance with General Instruction B.2. of Form 8-K, the information in
Item&#160;7.01 and the press release shall not be deemed &#8220;filed&#8221; for purposes of
Section&#160;18 of the Securities Exchange Act of 1934, as amended (the
&#8220;Exchange Act&#8221;), or otherwise subject to the liabilities of that section, nor
shall such information and exhibit be deemed incorporated by reference into any
filing under the Securities Act of 1933, as amended, or the Exchange Act, except
as shall be expressly set forth by specific reference in such a
filing.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>This report will not be deemed an
admission as to the materiality of any information in the report that is
required to be disclosed solely by Regulation FD.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>We do not have, and expressly disclaim,
any obligation to release publicly any updates or any changes in our
expectations or any change in events, conditions, or circumstances on which any
forward-looking statement is based.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
9.01&#160;&#160;Financial Statements and Exhibits</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(d)&#160;&#160;&#160;&#160;
Exhibits</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
following exhibit is being furnished herewith and this list shall constitute the
exhibit index:</font></div>
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    <div>
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              <div style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
      99.1&#160;&#160;&#160;&#160; &#160;</font></div>
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              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Press
      release dated October 9, 2009 announcing the filing of Provident Financial
      Holdings Inc.&#8217;s registration statement filed with the SEC on October 9,
      2009.</font></div>
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</font></div>
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</font></div>
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</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SIGNATURES</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>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.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">
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              <td width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;Date:&#160;&#160;October
      13, 2009</font></td>
              <td width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">PROVIDENT FINANCIAL
      HOLDINGS, INC.&#160;</font></td>
              <td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            </tr>
            <tr>
              <td width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            </tr>
            <tr>
              <td width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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              <td width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-DECORATION: underline">/s/
      Craig G.
      Blunden&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
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              <td width="48%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
              <td width="46%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Craig G.
      Blunden&#160;</font></td>
              <td width="6%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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      <div style="TEXT-ALIGN: right"><font style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit</font>
99.1</font></div>
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      <div>&#160;</div>
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                <td width="80%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="+0"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt">3756 Central
      Avenue</font>&#160;</font></font></font></td>
                <td width="20%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="+0"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt">Contacts:</font>&#160;</font></font></font></td>
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              <tr>
                <td width="80%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="+0"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt">Riverside, CA
      92506</font>&#160;</font></font></font></td>
                <td width="20%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Craig G. Blunden,
      CEO&#160;</font></td>
              </tr>
              <tr>
                <td width="80%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="+0"><font style="FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt">(951) 686 &#8211;
      6060</font>&#160;</font></font></font></td>
                <td width="20%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Donavon P. Ternes,
      COO, CFO&#160;</font></td>
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      <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">PROVIDENT
FINANCIAL HOLDINGS</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">FILES
REGISTRATION STATEMENT WITH SEC FOR</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">UNDERWRITTEN
COMMON STOCK OFFERING</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 10pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font size="+0" style="FONT-SIZE: 10pt">Riverside, Calif. &#8211; October 9, 2009 &#8211; Provident Financial Holdings, Inc.
(&#8220;Company&#8221;), NASDAQ GS: PROV, the holding company for Provident Savings Bank,
F.S.B. (&#8220;Bank&#8221;), today announced that it filed a registration statement with the
Securities and Exchange Commission for a proposed public offering of up to $46
million of Provident Financial Holdings, Inc. common stock in an underwritten
public offering. Sandler O&#8217;Neill &amp; Partners, L.P. will serve as sole<font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font>book-running manager<font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font>for the offering and FBR
Capital Markets &amp; Co. will serve as the co-manager.</font></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font size="+0" style="FONT-SIZE: 10pt">Net proceeds to the Company are expected to be used for general
corporate purposes, which may include without limitation, providing capital to
support the Bank&#8217;s growth, particularly to fund expanded mortgage banking
operations and to take advantage of opportunities created by changes in the
competitive environment in our market areas and by originating more multi-family
real estate loans.&#160;&#160;The proceeds will also strengthen the Bank&#8217;s
regulatory capital ratios.</font></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font size="+0" style="FONT-SIZE: 10pt">A
registration statement relating to these securities has been filed with the
Securities and Exchange Commission, but has not yet become
effective.&#160;&#160;These securities may not be sold, nor may offers to buy be
accepted, prior to the time the registration statement becomes
effective.</font></font></div>
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solicitation of an offer to buy these securities, nor shall there be any offer
or sale of these securities, in any </font></font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">state or
jurisdiction in which such offer, solicitation, or sale of securities would be
unlawful<font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font>prior to
registration or qualification under the securities laws of any such
jurisdiction.&#160;&#160;Any offers, solicitations of offers to buy, or sales of
securities will only be made pursuant to the registration statement filed with
the SEC, including a prospectus when available.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The Bank
currently operates 14 retail/business banking offices in Riverside County and
San Bernardino County (Inland Empire).&#160;&#160;Provident Bank Mortgage
operates wholesale loan production offices in Pleasanton and Rancho Cucamonga,
California and retail loan production offices in Glendora and Riverside,
California.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 2; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">For more
financial information about the Company please visit the website at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.myprovident.com</font>
and click on the &#8220;Investor Relations&#8221; section.</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Safe-Harbor
Statement</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
press release includes forward-looking statements within the meaning of the
&#8220;Safe-Harbor&#8221; provisions of the Private Securities Litigation Reform Act of
1995. These statements are necessarily subject to risk and uncertainty and
actual results could differ materially due to various risk factors, including
those set forth from time to time in our filings with the SEC. You should not
place undue reliance on forward-looking statements and we undertake no
obligation to update any such statements. In this press release we make
forward-looking statements about our ability to raise common capital, the amount
of capital we intend to raise and our intended use of that capital. Specific
risks that could cause results to differ from the forward-looking statements are
set forth in our filings with the SEC and include, without limitation, negative
reaction to our public offering, unfavorable pricing of the offering and
deterioration in the economy or our loan portfolio that could alter our intended
use of the capital.</font></div>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
