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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
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Date of Report (Date of earliest event reported): July 16, 2003
PROVIDENT BANKSHARES CORPORATION
(Exact name of registrant as specified in charter)
MARYLAND 0-16421 52-1518642
(State or other (Commission (IRS Employer
jurisdiction of File Number) Identification No.)
incorporation)
114 EAST LEXINGTON STREET, BALTIMORE, MARYLAND 21202
(Address of principal executive offices, including zip code)
Registrant's telephone number, including area code: (410) 277-7000
NOT APPLICABLE
(Former name or former address, if changed since last report)
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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
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Exhibit 99.1 Press Release Dated July 16, 2003
Exhibit 99.2 Supplemental Financial Information the Company is
making available on July 16, 2003
ITEM 9. REGULATION FD DISCLOSURE
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On July 16, 2003, Provident Bankshares Corporation announced its
financial results for the quarter ended June 30, 2003. The press release
announcing financial results for the quarter ended June 30, 2003 is filed as
Exhibit 99.1 and incorporated herein by reference.
This information is being furnished pursuant to Item 12 of Form 8-K and
is being presented under Item 9 as provided in the Commission's interim guidance
regarding Form 8-K Item 11 and Item 12 filing requirements (Release No.
34-47583).
On July 16, 2003, in conjunction with its earnings release, Provident
Bankshares Corporation is making available supplemental financial information
regarding the Company. As noted in the Company's July 16, 2003 earnings release,
the supplemental financial information is also being posted on the Company's
website at www.provbank.com. The supplemental financial information includes (in
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addition to financial information presented in the Company's July 16, 2003
earnings release) a comparative analysis of average balances, interest income
and expenses, and interest yields and rates (three months ended June 30, 2003
versus three months ended June 30, 2002). The supplemental financial information
also includes the Company's unaudited Consolidated Statement of Income for the
three and six months ended June 30, 2003 and the Company's unaudited
Consolidated Statement of Condition at June 30, 2003. The supplemental financial
information is filed as Exhibit 99.2 and incorporated herein by reference.
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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.
PROVIDENT BANKSHARES CORPORATION
By: /s/ Gary N. Geisel
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Chairman of the Board and Chief Executive
Officer
Date: July 16, 2003
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EXHIBIT INDEX
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EXHIBIT NO. DESCRIPTION
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99.1 Press Release Dated July 16, 2003
99.2 Supplemental Financial Information the Company
is making available on July 16, 2003
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