<SEC-DOCUMENT>0000939057-21-000017.txt : 20210128
<SEC-HEADER>0000939057-21-000017.hdr.sgml : 20210128
<ACCEPTANCE-DATETIME>20210128171513
ACCESSION NUMBER:		0000939057-21-000017
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20210128
DATE AS OF CHANGE:		20210128

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:		21566324

	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>sc13ga12312020.htm
<TEXT>
<html>
  <head>
    <title></title>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div><br>
  </div>
  <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
  <div style="text-align: center;">Washington, D.C. 20549</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: center; font-weight: bold;">SCHEDULE 13G/A</div>
  <div style="text-align: center;">Under the Securities Exchange Act of 1934</div>
  <div style="text-align: center;">(Amendment No. 10)*</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: center;">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;"></div>
  <div style="text-align: center;">(Name of Issuer)</div>
  <div>&#160;</div>
  <div style="text-align: center;">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;"></div>
  <div style="text-align: center;">(Title of Class of Securities)</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: center;">743868 10 1
    <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
  <div style="text-align: center;">(CUSIP Number)</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: center;">December 31, 2020
    <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
  <div style="text-align: center;">(Date of Event Which Requires Filing of this Statement)</div>
  <div>&#160;</div>
  <div>Check the appropriate box to designate the rule pursuant to which this Schedule is filed:</div>
  <div style="text-align: justify;">&#160;</div>
  <div>&#160;&#160;&#160; [X]&#160;&#160;&#160;Rule 13d-1(b)</div>
  <div style="text-align: justify;">&#160;&#160;&#160; [&#160;&#160;&#160;]&#160;&#160;&#160;Rule 13d-1(c)</div>
  <div style="text-align: justify;">&#160;&#160;&#160; [&#160;&#160; ]&#160;&#160;&#160;Rule 13d-1(d)</div>
  <div style="text-align: justify;">&#160;</div>
  <div>*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;">&#160;</div>
  <div>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;">&#160;</div>
  <div>&#160;</div>
  <div style="text-align: center;">Page 1 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="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div>CUSIP NO. 743868 10 1</div>
  <div style="text-align: justify;">&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z66d57081e05a4eb09b05f8cb67d09036" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>1)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>NAME OF REPORTING PERSON</div>
          <div>&#160;</div>
          <div>Provident Savings Bank, FSB Employee Stock Ownership Plan ("ESOP")</div>
          <div> <br>
          </div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>2)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</div>
          <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;a)&#160;&#160;&#160;&#160;&#160;[&#160;&#160;&#160;]</div>
          <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;b)&#160;&#160;&#160;&#160;&#160;[X]</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>3)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>SEC USE ONLY</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>4)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>CITIZENSHIP OR PLACE OF ORGANIZATION</div>
          <div>&#160;</div>
          <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Not applicable</div>
          <div>&#160;</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" border="0" id="z662d3a12b0d84fccb93a84e4ad86536c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 18.72%; vertical-align: top;" rowspan="4">
          <div>&#160;</div>
          <div>&#160;</div>
          <div>NUMBER OF</div>
          <div>SHARES</div>
          <div>BENEFICIALLY</div>
          <div>OWNED BY</div>
          <div>EACH</div>
          <div>REPORTING</div>
          <div>PERSON WITH</div>
        </td>
        <td style="width: 7%; vertical-align: top;">
          <div>5)</div>
        </td>
        <td style="width: 74%; vertical-align: top;">
          <div>SOLE VOTING POWER</div>
          <div>0</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div>6)</div>
        </td>
        <td style="width: 74%; vertical-align: top;">
          <div>SHARED VOTING POWER</div>
          <div>829,693</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div>7)</div>
        </td>
        <td style="width: 74%; vertical-align: top;">
          <div>SOLE DISPOSITIVE POWER</div>
          <div>0</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div>8)</div>
        </td>
        <td style="width: 74%; vertical-align: top;">
          <div>SHARED DISPOSITIVE POWER</div>
          <div>829,693</div>
          <div>&#160;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z6c01f5cda7ba4a6881d67951291bb004" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>9)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</div>
          <div>829,693</div>
          <div style="font-weight: bold;">&#160;</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>10)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES</div>
          <div>CERTAIN SHARES&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;[&#160;&#160;]</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>11)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9</div>
          <div>11.2%&#160;</div>
          <div> <br>
            </div>
        </td>
      </tr>
      <tr>
        <td style="width: 10%; vertical-align: top;">
          <div>12)</div>
        </td>
        <td style="width: 90%; vertical-align: top;">
          <div>TYPE OF REPORTING PERSON</div>
          <div>EP</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="text-align: justify;">&#160;</div>
  <div style="text-align: center;">Page 2 of 5</div>
  <div>&#160;</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="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div style="text-align: justify;">&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z17895e9e64dd4a8a8ced33772c69ff5f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" border="0" id="z72688afc3eea4405b04cb4366e27f3b8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 10.74%; vertical-align: top;">
          <div>ITEM 3.</div>
        </td>
        <td style="vertical-align: top;" colspan="3">
          <div>IF THIS STATEMENT IS FILED PURSUANT TO SECTION 240.13d-1(b) OR 240.13d-2(b) or (c), </div>
          <div>CHECK WHETHER THE PERSON FILING IS:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 10.74%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(a)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(b)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(c)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(d)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(e)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(f)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[X ]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(g)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(h)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(i)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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%; vertical-align: top;">
          <div>(j)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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>&#160;</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>(j)</div>
        </td>
        <td style="width: 3%; vertical-align: top;">
          <div>[&#160;&#160;&#160;&#160;]</div>
        </td>
        <td style="width: 81.82%; vertical-align: top;">
          <div>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;">&#160;</div>
  <div style="text-align: center;">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="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z16fa60e84f514407b8d9e9d97d89d957" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 4.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>OWNERSHIP:</div>
          <div>&#160;</div>
          <div>The ESOP holds an aggregate of&#160;829,693 shares of the Corporation&#8217;s Common Stock (11.2% 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>&#160;</div>
          <div>The ESOP Trustees may be deemed to beneficially own the&#160;829,693 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>&#160;</div>
          <div>The following table shows the number of shares of Common Stock beneficially owned by each of the ESOP Trustees:</div>
          <div>&#160;</div>
        </td>
      </tr>

  </table>
  <table cellspacing="0" cellpadding="0" border="0" align="center" id="z40187bb5ef0e41d6b8b684da1cfebb16" style="width: 78%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

      <tr>
        <td style="width: 25.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div>&#160;</div>
          <div style="font-style: italic;">Trustee</div>
        </td>
        <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
        <td style="width: 37.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="text-align: center; font-style: italic;">Shares beneficially owned</div>
          <div style="text-align: center; font-style: italic;">as ESOP participant (1)</div>
        </td>
        <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
        <td style="width: 37.38%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="text-align: center; font-style: italic;">All other shares</div>
          <div style="text-align: center; font-style: italic;">beneficially owned (2)</div>
        </td>
      </tr>
      <tr>
        <td style="width: 25.25%; vertical-align: top;">&#160;</td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.37%; vertical-align: top;">&#160;</td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.38%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 25.25%; vertical-align: top;">
          <div>Craig G. Blunden</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.37%; vertical-align: top;">
          <div style="text-align: center;">31,116</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.38%; vertical-align: top;">
          <div style="text-align: center;">247,691</div>
        </td>
      </tr>
      <tr>
        <td style="width: 25.25%; vertical-align: top;">
          <div>Donavon P. Ternes</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.37%; vertical-align: top;">
          <div style="text-align: center;">13,666</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.38%; vertical-align: top;">
          <div style="text-align: center;">246,668</div>
        </td>
      </tr>
      <tr>
        <td style="width: 25.25%; vertical-align: top;">
          <div>Deborah L. Hill</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.37%; vertical-align: top;">
          <div style="text-align: center;">&#160;&#160;4,814</div>
        </td>
        <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>
        <td style="width: 37.38%; vertical-align: top;">
          <div style="text-align: center;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22</div>
        </td>
      </tr>

  </table>
  <br>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 11.08%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 88.92%; vertical-align: top;" rowspan="1">
          <div>________</div>
          <div>(1) Participant allocations for the 2020 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, 2020 allocations.</div>
          <div>(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, 2020.</div>
          <div> <br>
          </div>
          <div>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> <br>
          </div>
        </td>
      </tr>
      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 5.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:</div>
          <div>&#160;Not applicable.</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 6.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON:</div>
          <div>&#160;Not applicable.</div>
          <div>&#160;&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 7.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY:</div>
          <div>&#160;Not Applicable.</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 8.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:</div>
          <div>Not Applicable.</div>
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 11.08%; vertical-align: top;">
          <div>ITEM 9.</div>
        </td>
        <td style="width: 88.92%; vertical-align: top;">
          <div>NOTICE OF DISSOLUTION OF GROUP:</div>
          <div>&#160;</div>
          <div>Not Applicable.</div>
          <div>&#160;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="text-align: justify;">&#160;</div>
  <div style="text-align: center;">Page&#160;4 of 5</div>
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      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" id="zd538b9ddaa514653baee38c1fe00827c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 10.83%; vertical-align: top;">
          <div>ITEM 10.&#160;</div>
        </td>
        <td style="width: 89.17%; vertical-align: top;">
          <div>CERTIFICATION:</div>
          <div>&#160;</div>
          <div>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>&#160;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="text-align: center;">SIGNATURE</div>
  <div>&#160;</div>
  <div style="text-indent: 36pt;">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;">&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z4539c18b8447494f9c2fe5f0a1fbe970" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 30.79%; vertical-align: bottom;">
          <div>Date: January 27, 2021</div>
        </td>
        <td style="width: 69.21%; vertical-align: bottom;" colspan="2">
          <div>PROVIDENT SAVINGS BANK, FSB</div>
          <div>EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST</div>
        </td>
      </tr>
      <tr>
        <td style="width: 30.79%; vertical-align: bottom;">
          <div>&#160;</div>
        </td>
        <td style="width: 69.21%; vertical-align: bottom;" colspan="2">
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 30.79%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 6.71%; vertical-align: top;">
          <div>By:</div>
        </td>
        <td style="width: 62.5%; vertical-align: top;">
          <div>Provident Savings Bank,&#160;FSB,</div>
          <div>&#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>&#160;</div>
  <table cellspacing="0" cellpadding="0" id="zf811777eebc1481f94e7990170a22aa9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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

  </table>
  <div>&#160;</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div>&#160;</div>
  <div style="text-align: justify;">&#160;</div>
  <div style="text-align: center;">Page&#160;5 of 5
    <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
  <div>&#160;</div>
  <div><br>
  </div>
  <div><br>
  </div>
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</DOCUMENT>
</SEC-DOCUMENT>
