UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. 8)*

(Name of Issuer)
Provident Financial Holdings

(Title of Class of Securities)
Common Stock


(CUSIP Number)
743868101

Check the following box if a fee 
is being paid with this statement. 
 (A fee is not required only if the 
filing person:  (1) has a previous statement
 on file reporting beneficial ownership of 
more than five percent of the class of securities 
described in Item 1; and (2) has filed no amendment
 subsequent thereto reporting beneficial ownership 
of five percent or less of such class.) 
(See Rule 13d-7).

*The remainder of this cover page shall 
be filled out for a reporting persons
 initial filing on this form with respect to
 the subject class of securities, and for any 
subsequent amendment containing information which
 would alter the disclosures provided in a prior
 cover page.

The information required in the remainder
 of this cover page shall not be deemed 
to be filed for the purpose of Section 18 
of the Securities Exchange Act of 1934 (Act)
 or otherwise subject to the liabilities of 
that section of the Act but shall be subject
 to all other provisions of the Act 
(however, see the Notes).


1  NAME OF REPORTING PERSON   S.S. OR I.R.S. IDENTIFICATION NO. OF PERSON
	THOMSON HORSTMANN & BRYANT, INC.
	22-3508647

2  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
	N/A

3  SEC USE ONLY

4  CITIZENSHIP OR PLACE OF ORGANIZATION
	A DELAWARE CORPORATION
	SADDLE BROOK, NJ  07663

5  SOLE VOTING POWER
	329,875

6  SHARED VOTING POWER
	0

7  SOLE DISPOSITIVE POWER
	637,450

8  SHARED DISPOSITIVE POWER
	NONE

9  AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
	637,450

10  CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
	N/A

11  PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
	9.11%

12  TYPE OF REPORTING PERSON *
	IA

ITEM 1.
	(A) PROVIDENT FINANCIAL HOLDINGS
 	(B) 3756 CENTRAL AVE, RIVERSIDE, CA 92506

ITEM 2.
	(A) THOMSON HORSTMANN & BRYANT, INC.
	(B) PARK 80 WEST, PLAZA TWO, SADDLE BROOK, NJ 07663
	(C) A DELAWARE CORPORATION
	(D) COMMON
	(E) 743868101

ITEM 3.
	(E) INVESTMENT ADVISER REGISTERED
 UNDER SECTION 203 OF THE INVESTMENT 
		    ADVISERS ACT OF 1940

ITEM 4.
	(A)  637,450
	(B)  9.11%
	(C)	(I)	329,875
		(II)	0
		(III)	637,450
		(IV)	NONE

ITEM 5.  N/A

ITEM 6.  N/A

ITEM 7.  N/A

ITEM 8.  N/A

ITEM 9.  N/A


ITEM 10. CERTIFICATION
	By signing below I certify that,
 to the best of my knowledge and belief,
 the securities referred to above were acquired 
in the ordinary course of business and were not
 acquired for the purpose of and do not have the 
effect of changing or influencing the control
 of the issuer of such securities and were not
 acquired in connection with or as a participant
 in any transaction having such purposes
 or effect.

SIGNATURE

After reasonable inquiry and to the best 
of my knowledge and belief, I certify that
 the information set forth in this statement
 is true, complete and correct.

							Richard A. Horstmann, VP
							Date:   1/5/05