<SEC-DOCUMENT>0000939057-24-000016.txt : 20240126
<SEC-HEADER>0000939057-24-000016.hdr.sgml : 20240126
<ACCEPTANCE-DATETIME>20240126134204
ACCESSION NUMBER:		0000939057-24-000016
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20240126
DATE AS OF CHANGE:		20240126

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		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:		24566469

	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]
		ORGANIZATION NAME:           	02 Finance
		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>provsch13ga123123.htm
<TEXT>
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    <div style="text-align: center; line-height: 12.55pt; font-weight: bold; font-size: 12pt;">SECURITIES AND EXCHANGE COMMISSION</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">Washington, D.C. 20549</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-weight: bold; font-size: 12pt;">SCHEDULE 13G/A</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">Under the Securities Exchange Act of 1934</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">(Amendment No. 13)*</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-size: 12pt;">PROVIDENT FINANCIAL HOLDINGS, INC. <br>
      </font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 12pt;">(Name of Issuer)</font></div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt;"> <font style="font-size: 12pt;"><br>
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-size: 12pt;">Common Stock, Par Value $0.01 per share </font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 12pt;">(Title of Class of Securities)</font></div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt;"> <font style="font-size: 12pt;"><br>
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-size: 12pt;">743868 10 1 </font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 2.3pt;"><font style="font-size: 12pt;"><br style="line-height: 2.3pt;">
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">(CUSIP Number)</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt;"><font style="font-size: 12pt;">December 31, 2023 </font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 2.3pt;"><font style="font-size: 12pt;"><br style="line-height: 2.3pt;">
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">(Date of Event Which Requires Filing of this Statement)</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 12.55pt; font-size: 12pt;">Check the appropriate box to designate the rule pursuant to which this Schedule is filed:</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160; [X]&#160;&#160;&#160;Rule 13d-1(b)</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160; [&#160;&#160;&#160;]&#160;&#160;&#160;Rule 13d-1(c)</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160; [&#160;&#160; ]&#160;&#160;&#160;Rule 13d-1(d)</div>
    <font style="font-size: 12pt;"> </font>
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    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 12.55pt; font-size: 12pt;">*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>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 12.55pt; font-size: 12pt;">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>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">Page 1 of 5</div>
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    <div style="line-height: 12.55pt; font-size: 12pt;">CUSIP NO. 743868 10 1</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
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          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">1)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">NAME OF REPORTING PERSON</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">Provident Savings Bank, FSB Employee Stock Ownership Plan ("ESOP")</div>
            <div style="line-height: 12.55pt;"> <font style="font-size: 12pt;"><br>
              </font> </div>
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        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">2)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;a)&#160;&#160;&#160;&#160;&#160;[&#160;&#160;&#160;]</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;b)&#160;&#160;&#160;&#160;&#160;[X]</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">3)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">SEC USE ONLY</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 11.4pt;"> <font style="font-size: 12pt;"><br>
              </font> </div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">4)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">CITIZENSHIP OR PLACE OF ORGANIZATION</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Not applicable</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
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    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt;"><font style="font-size: 12pt;"><br style="line-height: 11.4pt;">
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <table cellspacing="0" cellpadding="0" id="zacb9eb9b58744b0994955e040a42e698" 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 style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">NUMBER OF</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">SHARES</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">BENEFICIALLY</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">OWNED BY</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">EACH</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">REPORTING</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">PERSON WITH</div>
          </td>
          <td style="width: 10.6%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-size: 12pt;">5)</div>
          </td>
          <td style="width: 70.68%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">SOLE VOTING POWER</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">0</div>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.6%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-size: 12pt;">6)</div>
          </td>
          <td style="width: 70.68%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">SHARED VOTING POWER</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">681,760</div>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.6%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-size: 12pt;">7)</div>
          </td>
          <td style="width: 70.68%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">SOLE DISPOSITIVE POWER</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">0</div>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.6%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-size: 12pt;">8)</div>
          </td>
          <td style="width: 70.68%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">SHARED DISPOSITIVE POWER</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">681,760</div>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <table cellspacing="0" cellpadding="0" id="z29d1ae35e56c4b75b1d6c1676fe2473e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">9)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">681,760</div>
            <div style="line-height: 12.55pt; font-weight: bold; font-size: 12pt;">&#160;</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">10)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">CERTAIN SHARES&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;[&#160;&#160;]</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 11.4pt;"> <font style="font-size: 12pt;"><br>
              </font> </div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">11)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">9.8%&#160;</div>
            <div style="line-height: 11.4pt;"> <font style="font-size: 12pt;"><br>
              </font> <font style="font-size: 12pt;"><br>
              </font> </div>
          </td>
        </tr>
        <tr>
          <td style="width: 10%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">12)</div>
          </td>
          <td style="width: 90%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">TYPE OF REPORTING PERSON</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">EP</div>
          </td>
        </tr>

    </table>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">Page 2 of 5</div>
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    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font> <font style="font-size: 12pt;"> </font>
    <div style="text-align: justify; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <table cellspacing="0" cellpadding="0" id="zee2599f72d1045f2acc17afd6fc08fae" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 1(a).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">NAME OF ISSUER:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">Provident&#160;Financial Holdings, Inc.&#160;(the "Corporation")</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;"> <br>
              </font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 1(b).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-size: 12pt;">ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:&#160;</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">3756 Central Avenue, Riverside, California 92506</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 2(a).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">NAME OF PERSON FILING:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">Provident Savings Bank, FSB Employee Stock Ownership Plan</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 2(b).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ADDRESS OF PRINCIPAL BUSINESS OFFICE:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">3756 Central Avenue, Riverside, California 92506</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 2(c).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">CITIZENSHIP:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">Not applicable.</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 2(d).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">TITLE OF CLASS OF SECURITIES:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">Common stock, par value $.01 per share (the "Common Stock")</div>
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          </td>
        </tr>
        <tr>
          <td style="width: 10.74%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 2(e).</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">CUSIP NUMBER:&#160; 743868 10 1</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"> <br>
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          </td>
        </tr>

    </table>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <table cellspacing="0" cellpadding="0" id="z4beed0fbf76e483b992c430a57b74741" 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 style="line-height: 12.55pt; font-size: 12pt;">ITEM 3.</div>
          </td>
          <td style="width: 89.26%; vertical-align: top;" colspan="3">
            <div style="line-height: 12.55pt; font-size: 12pt;">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>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(a)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(b)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(c)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(d)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">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="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(e)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">An investment adviser in accordance with Section 240.13d-1(b)(1)(ii)(E);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(f)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[X ]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">An employee benefit plan or endowment fund in accordance with Section 240.13d-1(b)(1)(ii)(F);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(g)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">A parent holding company or control person in accordance with Section 240.13d-1(b)(1)(ii)(G);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(h)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">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="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(i)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">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="vertical-align: top; width: 10.74%; padding: 2px 0px 0px; font-size: 12pt;">&#160;</td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(j)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">A non-U.S. institution in accordance with Section 240.13d-1(b)(1)(ii)(J);</div>
          </td>
        </tr>
        <tr>
          <td style="vertical-align: top; width: 10.74%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;</div>
          </td>
          <td style="vertical-align: top; width: 3.31%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">(j)</div>
          </td>
          <td style="vertical-align: top; width: 4.13%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">[&#160;&#160;&#160;&#160;]</div>
          </td>
          <td style="vertical-align: top; width: 81.82%; padding: 2px 0px 0px;">
            <div style="line-height: 12.55pt; font-size: 12pt;">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>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <div style="text-align: center; line-height: 12.55pt; font-size: 12pt;">Page 3 of 5</div>
    <font style="font-size: 12pt;"> </font>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <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;"><font style="font-size: 12pt;"><br style="line-height: 9.1pt;">
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 9.1pt;"><font style="font-size: 12pt;"><br style="line-height: 9.1pt;">
      </font> </div>
    <font style="font-size: 12pt;"> </font>
    <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
    <font style="font-size: 12pt;"> </font>
    <table cellspacing="0" cellpadding="0" id="zb71d5ba1761f47c29bd6035acf9756e3" 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 style="line-height: 12.55pt; font-size: 12pt;">ITEM 4.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">OWNERSHIP:</div>
            <div style="line-height: 11.4pt; font-size: 12pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
            <div style="line-height: 12.55pt; font-size: 12pt;">The ESOP holds an aggregate of&#160;681,760 shares of the Corporation&#8217;s Common Stock (9.8% of the outstanding shares over which it has shared voting and dispositive powers).&#160; 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 style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">The ESOP Trustees may be deemed to beneficially own the&#160;681,760 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 style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">The following table shows the number of shares of Common Stock beneficially owned by each of the ESOP Trustees:</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>
      <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 colspan="1" style="vertical-align: top; width: 11%; padding: 0px 0px 2px;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; border-top: 2px solid #000000; vertical-align: top; width: 20%;">
              <div style="line-height: 12.55pt; font-size: 12pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: italic;">Trustee</div>
            </td>
            <td style="border-bottom: 2px solid #000000; border-top: 2px solid #000000; vertical-align: top; width: 35%;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: italic;">Shares beneficially owned</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: italic;">as ESOP participant (1)</div>
            </td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; border-top: 2px solid #000000; vertical-align: top; width: 34%;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: italic;">All other shares</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-style: italic;">beneficially owned (2)</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 11%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 20%; font-size: 12pt;">&#160;</td>
            <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 12pt;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 34%; font-size: 12pt;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 11%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 20%; font-size: 12pt;">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">Craig G. Blunden</div>
            </td>
            <td style="border-bottom: 2px solid #000000; vertical-align: top; width: 35%; font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">34,329</div>
              </div>
            </td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 34%; font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">246,404</div>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 11%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 20%; font-size: 12pt;">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">Donavon P. Ternes</div>
            </td>
            <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">16,880</div>
              </div>
            </td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 34%; font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">240,322</div>
              </div>
            </td>
          </tr>
          <tr>
            <td colspan="1" style="width: 11%; vertical-align: top; font-size: 12pt; padding-bottom: 2px;">&#160;</td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 20%; font-size: 12pt;">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">Deborah L. Hill</div>
            </td>
            <td style="border-bottom: 2px solid #000000; vertical-align: top; width: 35%; font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">&#160;&#160;6,971</div>
              </div>
            </td>
            <td style="border-bottom: 2px solid #000000; border-left: 2px solid #000000; border-right: 2px solid #000000; vertical-align: top; width: 34%; font-size: 12pt;">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">
                <div style="line-height: 12.55pt;">&#160;&#160;&#160;&#160;2,100</div>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div></div>
    <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 rowspan="1" style="width: 11.08%; vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">_________</div>
            <div style="line-height: 12.55pt; font-size: 12pt;">(1) Participant allocations for the 2023 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, 2023 allocations.</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"> <br>
            </div>
            <div style="line-height: 12.55pt; font-size: 12pt;">(2) Includes 43,000, 40,000 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,
              2023.</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"> <br>
            </div>
            <div style="line-height: 12.55pt; font-size: 12pt;">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>
            &#160;</td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 5.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:</div>
            <div style="line-height: 12.55pt; font-size: 12pt;"> <br>
            </div>
            <div style="line-height: 12.55pt; font-size: 12pt;">&#160;Not applicable.</div>
            <div style="line-height: 11.4pt; font-size: 12pt;">&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.08%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 6.</div>
          </td>
          <td style="width: 88.92%; vertical-align: top;">
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            <div style="line-height: 12.55pt; font-size: 12pt;">Not Applicable.</div>
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            <div style="line-height: 12.55pt; font-size: 12pt;">ITEM 9.</div>
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            <div style="line-height: 12.55pt; font-size: 12pt;">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
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">Date: January 26, 2024</div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">PROVIDENT SAVINGS BANK, FSB</div>
              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST</div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Provident Savings Bank,&#160;FSB,</div>
              <div style="line-height: 11.4pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">&#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;</font><font style="font-size: 12pt;">&#160;</font></div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman',Times,serif;">/s/ Donavon P. Ternes&#160;</div>
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