Item 2.02 Results of Operations and Financial Condition

On October 29, 2009, Provident Financial Holdings, Inc. ("Corporation"), the holding company for Provident Savings Bank, F.S.B., distributed its quarterly results for the quarter ended September 30, 2009. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure.

On October 29, 2009, the Corporation posted its Investor Presentation 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 99.2 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

99.1 News release of the Corporation's quarterly results for the quarter ended September 30, 2009.
99.2 Investor Presentation of Provident Financial Holdings, Inc. dated September 30, 2009.

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