UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): February 3, 2004
PROVIDENT FINANCIAL HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
| Delaware (State or other jurisdiction of incorporation) |
000-28304 (File number) |
33-0704889 (I.R.S. Employer Identification No.) |
| 3756 Central Avenue, Riverside, California (Address of principal executive office) |
92506 (Zip Code) |
|
Registrant's telephone number, including area code: (909) 686-6060
(Former name or former address, if changed since last report)
<PAGE>
Item 9. REGULATION FD DISCLOSURE
Riverside, California - February 3, 2004 - Provident Financial Holdings, Inc. ("Corporation"), NASDAQ: PROV, the holding company for Provident Savings Bank, F.S.B., announced that the Corporation posted its Financial Highlights Presentation on the Corporation's website, www.myprovident.com, under Presentations in the Investor Relations section. A copy of the Presentation follows.
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: February 3, 2004 Provident Financial Holdings, Inc.
/s/ Donavon P. Ternes
Donavon P. Ternes
Chief Financial Officer
(Principal Financial and Accounting Officer)
<PAGE>