<SEC-DOCUMENT>0000939057-20-000012.txt : 20200121
<SEC-HEADER>0000939057-20-000012.hdr.sgml : 20200121
<ACCEPTANCE-DATETIME>20200121133929
ACCESSION NUMBER:		0000939057-20-000012
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20200121
DATE AS OF CHANGE:		20200121

SUBJECT COMPANY:	

	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:		SC 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48569
		FILM NUMBER:		20535934

	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

FILED BY:		

	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:		SC 13G/A

	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>SC 13G/A
<SEQUENCE>1
<FILENAME>sc13ga_12-31-19.htm
<DESCRIPTION>SC 13G/A
<TEXT>
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    <div style="text-align: center; line-height: 12.55pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; line-height: 12.55pt;">Washington, D.C. 20549</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt; font-weight: bold;">SCHEDULE 13G/A</div>
    <div style="text-align: center; line-height: 12.55pt;">Under the Securities Exchange Act of 1934</div>
    <div style="text-align: center; line-height: 12.55pt;">(Amendment No. 9)*</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">PROVIDENT FINANCIAL HOLDINGS, INC. <br>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(Name of Issuer)</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Common Stock, Par Value $0.01 per share
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(Title of Class of Securities)</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">743868 10 1
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(CUSIP Number)</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">December 31, 2019
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(Date of Event Which Requires Filing of this Statement)</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 12.55pt;">Check the appropriate box to designate the rule pursuant to which this Schedule is filed:</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 12.55pt;">&#160;&#160;&#160; [X]&#160;&#160;&#160;Rule 13d-1(b)</div>
    <div style="text-align: justify; line-height: 12.55pt;">&#160;&#160;&#160; [&#160;&#160;&#160;]&#160;&#160;&#160;Rule 13d-1(c)</div>
    <div style="text-align: justify; line-height: 12.55pt;">&#160;&#160;&#160; [&#160;&#160; ]&#160;&#160;&#160;Rule 13d-1(d)</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 12.55pt;">*The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which
      could alter the disclosures provided in a prior cover page.</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 12.55pt;">The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of
      that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Page 1 of 5</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div style="line-height: 12.55pt;">CUSIP NO. 743868 10 1</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">1)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">NAME OF REPORTING PERSON</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 12.55pt;">Provident Savings Bank, FSB Employee Stock Ownership Plan ("ESOP")</div>
            <div style="line-height: 12.55pt;"> <br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">2)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</div>
            <div style="line-height: 12.55pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;a)&#160;&#160;&#160;&#160;&#160;[&#160;&#160;&#160;]</div>
            <div style="line-height: 12.55pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;b)&#160;&#160;&#160;&#160;&#160;[X]</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
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        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">3)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">SEC USE ONLY</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">4)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CITIZENSHIP OR PLACE OF ORGANIZATION</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 12.55pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Not applicable</div>
            <div style="line-height: 11.4pt;">&#160;</div>
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            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">NUMBER OF</div>
            <div style="line-height: 12.55pt;">SHARES</div>
            <div style="line-height: 12.55pt;">BENEFICIALLY</div>
            <div style="line-height: 12.55pt;">OWNED BY</div>
            <div style="line-height: 12.55pt;">EACH</div>
            <div style="line-height: 12.55pt;">REPORTING</div>
            <div style="line-height: 12.55pt;">PERSON WITH</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 11.4pt;">5)</div>
          </td>
          <td style="width: 80%; vertical-align: top;">
            <div style="line-height: 12.55pt;">SOLE VOTING POWER</div>
            <div style="line-height: 12.55pt;">0</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
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        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 11.4pt;">6)</div>
          </td>
          <td style="width: 80%; vertical-align: top;">
            <div style="line-height: 12.55pt;">SHARED VOTING POWER</div>
            <div style="line-height: 12.55pt; color: rgb(0, 0, 0);">845,997</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 11.4pt;">7)</div>
          </td>
          <td style="width: 80%; vertical-align: top;">
            <div style="line-height: 12.55pt;">SOLE DISPOSITIVE POWER</div>
            <div style="line-height: 12.55pt;">0</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 11.4pt;">8)</div>
          </td>
          <td style="width: 80%; vertical-align: top;">
            <div style="line-height: 12.55pt;">SHARED DISPOSITIVE POWER</div>
            <div style="line-height: 12.55pt;">845,997</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
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    <div style="line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">9)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</div>
            <div style="line-height: 12.55pt;">845,997</div>
            <div style="line-height: 12.55pt; font-weight: bold;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">10)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES</div>
            <div style="line-height: 12.55pt;">CERTAIN SHARES&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;[&#160;&#160;]</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;">11)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9</div>
            <div style="line-height: 11.4pt;">11.3%&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt;"> <br>
            </div>
            <div style="line-height: 12.55pt;">12)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt;"> <br>
            </div>
            <div style="line-height: 12.55pt;">TYPE OF REPORTING PERSON</div>
            <div style="line-height: 12.55pt;">EP</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Page 2 of 5</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    </div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
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          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 1(a).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">NAME OF ISSUER:</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">Provident&#160;Financial Holdings, Inc.&#160;(the "Corporation")</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 1(b).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 11.4pt;">ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:&#160;</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">3756 Central Avenue, Riverside, California 92506</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 2(a).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">NAME OF PERSON FILING:</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">Provident Savings Bank, FSB Employee Stock Ownership Plan</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 2(b).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ADDRESS OF PRINCIPAL BUSINESS OFFICE:</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">3756 Central Avenue, Riverside, California 92506</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 2(c).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CITIZENSHIP:</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">Not applicable.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 2(d).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">TITLE OF CLASS OF SECURITIES:</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt;">Common stock, par value $.01 per share (the "Common Stock")</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 2(e).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CUSIP NUMBER:&#160; 743868 10 1</div>
          </td>
        </tr>

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    <div style="line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 3.</div>
          </td>
          <td colspan="3" style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt;">IF THIS STATEMENT IS FILED PURSUANT TO SECTION 240.13d-1(b) OR 240.13d-2(b) or (c), CHECK WHETHER THE PERSON FILING IS:</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(a)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(b)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(c)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(d)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(e)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">An investment adviser in accordance with Section 240.13d-1(b)(1)(ii)(E);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(f)</div>
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          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[X ]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">An employee benefit plan or endowment fund in accordance with Section 240.13d-1(b)(1)(ii)(F);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(g)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">A parent holding company or control person in accordance with Section 240.13d-1(b)(1)(ii)(G);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(h)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">A savings association as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(i)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
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          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">&#160;</td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(j)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">A non-U.S. institution in accordance with Section 240.13d-1(b)(1)(ii)(J);</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 3.31%; vertical-align: top;">
            <div style="line-height: 12.55pt;">(j)</div>
          </td>
          <td style="width: 4.13%; vertical-align: top;">
            <div style="line-height: 12.55pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="width: 81.82%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Group, in accordance with Section 240.13d-1(b)(1)(ii)(K). If filing as a non-U.S. institution in accordance with Section 240.13d-1(b)(1)(ii)(J), please specify the type of institution:________</div>
          </td>
        </tr>

    </table>
    <div style="text-align: center; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Page 3 of 5</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 9.1pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="z051e14151e744363b66af61ba1c15422">

          <tr>
            <td style="width: 11%; text-align: left; vertical-align: top;">
              <div>ITEM 4. <br>
              </div>
            </td>
            <td style="width: 89%;">
              <div>OWNERSHIP: <br>
              </div>
              <div> <br>
              </div>
              <div>The ESOP holds an aggregate of 845,997 shares of the Corporation&#8217;s Common Stock (11.3% of the outstanding shares over which it has shared voting and dispositive powers). This includes 800,000
                shares purchased by the ESOP from the&#160;Corporation in December 2009 in connection with the&#160;Corporation's underwritten public common stock offering. </div>
              <div> <br>
              </div>
              <div>The ESOP Trustees may be deemed to beneficially own the 845,997 shares held by the ESOP.&#160; However, the Trustees expressly disclaim beneficial ownership of all of such shares, other than such shares which have been allocated
                to their respective ESOP participant accounts. </div>
              <div> <br>
              </div>
              <div>The following table shows the number of shares of Common Stock beneficially owned by each of the ESOP Trustees: </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
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        <tr>
          <td style="vertical-align: top; width: 25.25%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-style: italic;">Trustee</div>
          </td>
          <td style="vertical-align: top; width: 2%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.37%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 12.55pt; font-style: italic;">Shares beneficially owned</div>
            <div style="text-align: center; line-height: 12.55pt; font-style: italic;">as ESOP participant (1)</div>
          </td>
          <td style="vertical-align: top; width: 2%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.38%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 12.55pt; font-style: italic;">All other shares</div>
            <div style="text-align: center; line-height: 12.55pt; font-style: italic;">beneficially owned (2)</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 25.25%;">&#160;</td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.37%;">&#160;</td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.38%;">&#160;</td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 25.25%;">
            <div style="line-height: 12.55pt;">Craig G. Blunden</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.37%;">
            <div style="text-align: center; line-height: 12.55pt;">30,079</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.38%;">
            <div style="text-align: center; line-height: 12.55pt;">246,691</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 25.25%;">
            <div style="line-height: 12.55pt;">Donavon P. Ternes</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.37%;">
            <div style="text-align: center; line-height: 12.55pt;">26,295</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.38%;">
            <div style="text-align: center; line-height: 12.55pt;">246,668</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 25.25%;">
            <div style="line-height: 12.55pt;">Deborah L. Hill</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.37%;">
            <div style="text-align: center; line-height: 12.55pt;">3,984</div>
          </td>
          <td style="vertical-align: top; width: 2%;" colspan="1">&#160;</td>
          <td style="vertical-align: top; width: 37.38%;">
            <div style="text-align: center; line-height: 12.55pt;">22</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; width: 100%; text-align: left; color: rgb(0, 0, 0); clear: both;" id="ze3e7958eb1234b319d3847ff53d329cf">

        <tr>
          <td style="width: 11.08%; vertical-align: top; padding-bottom: 2px;">
            <div style="line-height: 12.55pt;"><br>
            </div>
          </td>
          <td style="width: 88.92%; vertical-align: top; padding-bottom: 2px;">
            <div style="line-height: 12.55pt;">_________</div>
            <div style="line-height: 12.55pt;">(1) Participant allocations for the 2019 calendar year have not yet been completed.&#160; Accordingly, the share amounts in this column represent the Trustees' individual balances prior to the December&#160;31, 2019
              allocations.</div>
            <div style="line-height: 12.55pt;">(2) Includes 91,000, 85,000 and 0 shares underlying stock options held by Mr. Blunden, Mr. Ternes and Ms. Hill, respectively,&#160;that were
              exercisable as of or within 60 days after December&#160;31, 2019.</div>
            <div style="line-height: 12.55pt;">Pursuant to the ESOP, participants in the ESOP are entitled to instruct the Trustees as to the voting of the shares allocated to their ESOP accounts.&#160; On each issue with respect to which shareholders are
              entitled to vote, the Trustees&#160;are required to vote the shares held by the ESOP which have not been allocated to participant accounts in the manner directed under the ESOP.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 5.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt;">OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:</div>
            <div style="line-height: 12.55pt;">&#160;Not applicable.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 6.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt;">OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON:</div>
            <div style="line-height: 12.55pt;">&#160;Not applicable.</div>
            <div style="line-height: 11.4pt;">&#160;&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 7.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt;">IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY:</div>
            <div style="line-height: 12.55pt;">&#160;Not Applicable.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 8.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt;">IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:</div>
            <div style="line-height: 12.55pt;">Not Applicable.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 9.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt;">NOTICE OF DISSOLUTION OF GROUP:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 12.55pt;">Not Applicable.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Page&#160;4 of 5</div>
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    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 10.83%; vertical-align: top;">
            <div style="line-height: 12.55pt;">ITEM 10.&#160;</div>
          </td>
          <td style="width: 89.17%; vertical-align: top;">
            <div style="line-height: 12.55pt;">CERTIFICATION:</div>
            <div style="line-height: 11.4pt;">&#160;</div>
            <div style="line-height: 12.55pt;">By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held
              for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other
              than activities solely in connection with a nomination under Section 240.14a-11.</div>
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">SIGNATURE</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-indent: 36pt; line-height: 12.55pt;">After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 30.79%; vertical-align: bottom;">
            <div style="line-height: 12.55pt;">Date: January 21, 2020</div>
          </td>
          <td colspan="2" style="width: 69.21%; vertical-align: bottom;">
            <div style="line-height: 12.55pt;">PROVIDENT SAVINGS BANK, FSB</div>
            <div style="line-height: 12.55pt;">EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST</div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.79%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td colspan="2" style="width: 69.21%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.79%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 6.71%; vertical-align: top;">
            <div style="line-height: 12.55pt;">By:</div>
          </td>
          <td style="width: 62.5%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Provident Savings Bank,&#160;FSB,</div>
            <div style="line-height: 11.4pt;">&#160;&#160;&#160;&#160; as Plan Administrator&#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;</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">&#160;</div>
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        <tr>
          <td style="width: 30.84%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
          <td colspan="2" style="width: 69.16%; vertical-align: bottom;">
            <div style="line-height: 11.4pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.84%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 6.67%; vertical-align: top;">
            <div style="line-height: 12.55pt;">By:</div>
          </td>
          <td style="width: 62.5%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="line-height: 12.55pt;">/s/Donavon P. Ternes&#160; </div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.84%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 6.67%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Name:&#160;</div>
          </td>
          <td style="width: 62.5%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Donavon P. Ternes&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.84%; vertical-align: top;">
            <div style="line-height: 12.55pt;">&#160;</div>
          </td>
          <td style="width: 6.67%; vertical-align: top;">
            <div style="line-height: 12.55pt;">Title:&#160;</div>
          </td>
          <td style="width: 62.5%; vertical-align: top;">
            <div style="line-height: 12.55pt;">President, Chief Operating Officer</div>
            <div style="line-height: 12.55pt;">&#160;&#160;and Chief&#160;Financial Officer&#160;</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="text-align: justify; line-height: 11.4pt;">&#160;</div>
    <div style="text-align: center; line-height: 12.55pt;">Page&#160;5 of 5
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    <div style="line-height: 11.4pt;">&#160;</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
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