-----BEGIN PRIVACY-ENHANCED MESSAGE-----Proc-Type: 2001,MIC-CLEAROriginator-Name: webmaster@www.sec.govOriginator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQABMIC-Info: RSA-MD5,RSA, H7YiQ/o6erYcAr6zl8XlO+U3PZtcI4mMPs15BjiXaAmaqNzLpNsDaxttRiJ3+ffy SwcwmjzN6RpOoS03yT/33w==0000939057-08-000083.txt : 200803130000939057-08-000083.hdr.sgml : 2008031320080313103410ACCESSION NUMBER:0000939057-08-000083CONFORMED SUBMISSION TYPE:8-KPUBLIC DOCUMENT COUNT:46CONFORMED PERIOD OF REPORT:20080312ITEM INFORMATION:Regulation FD DisclosureITEM INFORMATION:Financial Statements and ExhibitsFILED AS OF DATE:20080313DATE AS OF CHANGE:20080313FILER:COMPANY DATA:COMPANY CONFORMED NAME:PROVIDENT FINANCIAL HOLDINGS INCCENTRAL INDEX KEY:0001010470STANDARD INDUSTRIAL CLASSIFICATION:SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]IRS NUMBER:330704889STATE OF INCORPORATION:DEFISCAL YEAR END:0630FILING VALUES:FORM TYPE:8-KSEC ACT:1934 ActSEC FILE NUMBER:000-28304FILM NUMBER:08685164BUSINESS ADDRESS:STREET 1:3756 CENTRAL AVECITY:RIVERSIDESTATE:CAZIP:92506BUSINESS PHONE:9096866060MAIL ADDRESS:STREET 1:3756 CENTRAL AVENUECITY:RIVERSIDESTATE:CAZIP:925068-K1k8031208.htmPROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K

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): March 12, 2008

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

Delaware

000-28304

33-0704889

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(I.R.S. Employer
Identification No.)

3756 Central Avenue, Riverside, California

92506

(Address of principal executive offices)

(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))

Item 7.01 Regulation FD Disclosure.

On March 12, 2008, Provident Financial Holdings, Inc. ("Corporation"), the holding company for Provident Savings Bank, F.S.B., announced that the Corporation hosted a group of institutional investors organized by Sandler O'Neill & Partners, L.P. The Investor Presentation, "2008 Southern California Bank Trip," is posted on the Corporation's website, www.myprovident.com, under Presentations in the Investor Relations section. A copy of the Investor Presentation is attached hereto as Exhibit 99.1 and is incorporated by reference.

Item 9.01 Financial Statements and Exhibits.

(c)Exhibits99.1Investor Presentation of Provident Financial Holdings, Inc. titled "2008 Southern California Bank Trip."

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: March 13, 2008PROVIDENT FINANCIAL HOLDINGS, INC./s/ Donavon P. Ternes
Donavon P. Ternes
Chief Operating Officer and Chief Financial Officer
(Principal Financial and Accounting Officer)

EXHIBIT 99.1

8-K2banktrip.pdfBANK TRIP PRESENTATIONbegin 644 banktrip.pdfM)5!$1BTQ+C0-)>+CS],-"C$W,R`P(&]B:@T\/"],:6YE87)I>F5D(#$O3"`UM,S$W-30O3R`Q-S4O12`T.#(R,R].(#0T+U0@-3(X,C0V+T@@6R`X-S8@-CDXM73X^#65N9&]B:@T@("`@("`@("`@("`@#0IX