SECURITIES AND EXCHANGE COMMISSION
                        Washington, DC 20549

                             FORM 12b-25

                    NOTIFICATION OF LATE FILING

[X] Form 10-KSB [ ] Form 20-F [ ] Form 11-K [ ] Form 10-QSB [ ] Form N-SAR

For the Period Ended: June 30, 2000.

[  ] Transition Report on Form 10-KSB
[  ] Transition Report on Form 10-QSB
[  ] Transition Report on Form 20-F
[  ] Transition Report on Form N-SAR
[  ] Transition Report on Form 11-K

For the Transition Period Ended:

Nothing in this Form shall be construed to imply that the
Commission has verified any information contained herein.

If the notification relates to a portion of the filing checked
above, identify the Item(s) to which the notification relates:

                PART I - REGISTRANT INFORMATION

Full Name of Registrant: Providential Holdings, Inc.

Former Name, if Applicable: JR Consulting, Inc.

Address of Principal Executive Office (Street and Number):

8700 Warner Avenue
Fountain Valley, California 92708

            PART II - RULES 12b-25 (b) AND (c)

If the subject report could not be filed without reasonable
effort or expense and the registrant seeks relief pursuant to
Rule 12b-25(b), the following should be completed. (Check box if
appropriate)

[X] (a) The reasons described in reasonable detail in Part III
of this form could not be eliminated without unreasonable effort
or expense;

[X] (b) The subject annual report or semi-annual report,
transition report on Form 10-KSB, Form 20-F, 11-K or Form N-SAR,
or portion thereof will be filed on or before the fifteenth
calendar day following the prescribed due date; or the subject
Quarterly report or transition report on Form 10-QSB, or portion
thereof, will be filed on or before the fifth calendar day
following the prescribed due date; and

[  ] (c) The accountant's statement or other exhibit required by
Rule 12b-25(c) has been attached if applicable)

                    PART III - NARRATIVE

The Registrant is in the process of compiling information for
the fiscal year ended June 30, 2000 for the Form 10-KSB, all of
which information has not yet been received.

                  PART IV - OTHER INFORMATION

(1) Name and telephone number of person to contact in regard to
this notification:

Brian F. Faulkner, Esq.:  (949) 975-0544.

(2) Have all or other periodic report required under section 13
or 15(d) of the Securities Exchange Act of 1934 or section 30 of
the Investment Company act of 1940 during the preceding 12
months or for such shorter period that the registrant was
required to file such report(s) been filed? If the answer is no,
identify report(s).

[X] Yes  [  ] No

(3) Is it anticipated that any significant change in results of
operations from the corresponding period for the last fiscal
year will be reflected by the earnings statements to be included
in the subject report or portion thereof?

[X] Yes  [  ] No

An operating subsidiary, Providential Securities, Inc. was
acquired by the Registrant, effective as of January 14, 2000.
The Registrant had a different type and extent of business for
the fiscal year ended June 30, 1999.

The Registrant has caused this notification to be signed on its
behalf by the undersigned, thereunto duly authorized.

                                  Providential Holdings, Inc.

Dated: September 26, 2000         By: /s/  Henry D. Fahman
                                  Henry D. Fahman, CEO