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): October 21, 2004

PROVIDENT FINANCIAL HOLDINGS, INC.
(Exact name of registrant as specified in its charter)


Delaware
(State or other jurisdiction of incorporation)		 000-28304
(Commission File Number)		 33-0704889
(I.R.S. Employer Identification No.)

3756 Central Avenue, Riverside, California
(Address of principal executive offices)		 92506
(Zip Code)


Registrant's telephone number, including area code: (951) 686-6060


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.

[ ]   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))






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Item 7.01 Regulation FD Disclosure.

        On October 21, 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 attached hereto as Exhibit 99.1 and is incorporated herein by reference.


Item 9.01 Financial Statements and Exhibits.

        (c)      Exhibits

        99.1   Financial Highlights of Provident Financial Holdings, Inc.













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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: October 21, 2004 PROVIDENT FINANCIAL HOLDINGS, INC.
 
 
 
/s/ Donavon P. Ternes                
Donavon P. Ternes
Chief Financial Officer
(Principal Financial and Accounting Officer)










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EXHIBIT 99.1














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