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): May 17, 2005

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))

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Item 7.01  Regulation FD Disclosure.

        On May 17, 2005, Provident Financial Holdings, Inc. ("Corporation"), the holding company for Provident Savings Bank, F.S.B., announced that investors can access the Corporation's presentation at the 2005 Community Bank Investor Conference through the Corporation's website. A copy of the news release is attached hereto as Exhibit 99.1, which is incorporated herein by reference. The presentation is scheduled for Thursday, May 19, 2004 at 10:30 a.m. (Eastern). The presentation materials are available on the Corporation's website, www.myprovident.com, in the Investor Relations section under Presentations and are also attached hereto as Exhibit 99.2. The webcast link to hear the presentation, either live or as a rebroadcast, is also available in the Presentations section by clicking on the 2005 Community Bank Investor Conference Webcast link.

Item 9.01  Financial Statements and Exhibits

            (c)     Exhibits

                          99.1     News Release of Provident Financial Holdings, Inc. on 2005 Community
                                      Bank Investor Conference dated May 17, 2005.

                          99.2     2005 Community Bank Investor Conference Presentation.

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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: May 17, 2005                                             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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3756 Central Avenue                              NEWS RELEASE
Riverside, CA 92506
(951) 686-6060

PROVIDENT FINANCIAL HOLDINGS, INC.
PROVIDES WEBCAST INSTRUCTIONS FOR THE
2005 COMMUNITY BANK INVESTOR CONFERENCE

Riverside, Calif. - May 17, 2005 - Provident Financial Holdings, Inc. ("Company"), Nasdaq: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that investors can access the Company's presentation at the 2005 Community Bank Investor Conference through the Company's website.

Donavon P. Ternes, Chief Financial Officer, is scheduled to present an overview of the Company and discuss the Company's performance for the first three quarters of fiscal 2005 at 10:30 a.m. (Eastern) on Thursday, May 19^th. Mr. Ternes' presentation materials are available on the Company's website, www.myprovident.com, in the Investor Relations section under Presentations. The webcast link to hear the presentation, either live or as a rebroadcast, is also available in the Presentations section by clicking on the 2005 Community Bank Investor Conference Webcast link.

Safe-Harbor Statement

Certain matters in the presentation and presentation materials referenced in this release may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements relate to, among others, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company's mission and vision. These forward-looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties. The Company's actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements due to a wide range of factors including, but not limited to, the general business environment, interest rates, the California real estate market, competitive conditions between banks and n on-bank financial services providers, regulatory changes, and other risks detailed in the Company's reports filed with the Securities and Exchange Commission, including the Annual Report on Form 10-K for the fiscal year ended June 30, 2004. Forward-looking statements are effective only as of the date that they are made and Provident Financial Holdings, Inc. assumes no obligation to update this information.

Contacts:   Craig G. Blunden                                     Donavon P. Ternes
                 Chairman, President & CEO                    Chief Financial Officer

                                                                   

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EXHIBIT 99.2

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