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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): June 28, 2000
THE PROVIDENT BANK
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(Exact name of registrant as specified in its charter)
Ohio 333-95263 31-0412725
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(State or Other Jurisdiction of (Commission File (I.R.S. Employer
Incorporation) Number) Identification No.)
One East Fourth Street
Cincinnati, Ohio 45202
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(Address of Principal (Zip Code)
Executive Offices)
Registrant's telephone number, including area code (513) 579-2000
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Item 5. Other Events.
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Incorporation of Certain Documents by Reference
Pursuant to Rule 411 of Regulation C under the Securities Act of
1933 and in reliance on MBIA Insurance Corporation, SEC No-Action Letter
(September 6, 1996), The Provident Bank (the "Company") will incorporate by
reference the financial statement of MBIA Insurance Corporation ("MBIA") into
the Company's registration statement (File No. 333-95263). The financial
statements will be referred to in the prospectus supplement relating to the
Company's Home Equity Loan Asset-Backed Notes, Series 2000-A. In connection
with the incorporation of such documents by reference, the Company is hereby
filing the consent of PricewaterhouseCoopers LLP to the use of their name in
such prospectus supplement. The consent of PricewaterhouseCoopers LLP is
attached hereto as Exhibit 23.
Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits.
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(a) Not applicable.
(b) Not applicable.
(c) Exhibits:
23. Consent of PricewaterhouseCoopers LLP
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
THE PROVIDENT BANK
By: /s/ Kevin Shea
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Name: Kevin M. Shea
Title: Vice President
Dated: June 28, 2000
Exhibit Index
Exhibit Page
23. The Consent of PricewaterhouseCoopers LLP 6
EXHIBIT 23: CONSENT OF INDEPENDENT ACCOUNTANTS
We consent to the incorporation by reference in the Prospectus Supplement of
The Provident Bank, relating to Home Equity Loan Asset-Backed Notes, Series
2000-A, of our report dated February 3, 2000, on our audits of the
consolidated financial statements of MBIA Insurance Corporation and
Subsidiaries as of December 31, 1999 and 1998 and for each of the three years
in the period ended December 31, 1999. We also consent to the reference to our
firm under the caption "Experts".
\s\ PricewaterhouseCoopers LLP
PricewaterhouseCoopers LLP
New York, New York
June 27, 2000