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): January 20, 2009

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 8.01  Other Events

Provident Financial Holdings, Inc. (the “Corporation”) announced on January 20, 2009 that the Corporation’s Board of Directors declared a quarterly cash dividend of $0.03 per share on the Corporation’s outstanding shares of common stock.  Shareholders of record at the close of business on February 10, 2009 will be entitled to receive the cash dividend. The cash dividend will be payable on March 6, 2009.  The news release announcing the cash dividend is attached as Exhibit 99.1 and incorporated by reference herein.


Item 9.01  Financial Statements and Exhibits

(d)           Exhibits

 
99.1
News Release regarding the quarterly cash dividend of Provident Financial Holdings, Inc. dated January 20, 2009.






 
 
 

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:  January 21, 2009   PROVIDENT FINANCIAL HOLDINGS, INC. 
   
   
  /s/Craig G. Blunden                                                       
  Craig G. Blunden 
  Chairman, President and Chief Executive Officer 
  (Principal Executive Officer) 
   
   
  /s/Donavon P. Ternes                                                   
  Donavon P. Ternes 
  Chief Operating Officer and Chief Financial Officer 
  (Principal Financial and Accounting Officer)