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): December 3, 2002
PROVIDENT BANCORP, INC.
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(Exact Name of Registrant as Specified in Charter)
United States of America 0-25233 06-1537499
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(State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer
of Incorporation) Identification No.)
400 Rella Boulevard, Montebello, New York 10901
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (845) 369-8040
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Not Applicable
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(Former name or former address, if changed since last report)
Item 7. Financial Statements, Pro Forma Financial Information, and Exhibits
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The following Exhibits are filed as part of this report:
Exhibit No. Description
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99 Slide presentation to be made at investor conference
on December 3, 2002 and distributed to conference
attendees
Item 9. Regulation FD Disclosure
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On December 3, 2002, Provident Bancorp, Inc. (the "Company") will make
a slide presentation at the Friedman Billings Ramsey 9th Annual
Investor Conference and the Company will distribute a paper copy of
the presentation to conference attendees. The presentation discusses
the Company's current and historic performance and strategies.
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 BANCORP, INC.
DATE: December 2, 2002 By: /s/ George Strayton
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George Strayton
President and Chief Executive Officer
EXHIBIT INDEX
The following Exhibits are filed as part of this report:
Exhibit No. Description
----------- -----------
99 Slide presentation to be made at investor conference
on December 3, 2002 and distributed to conference
attendees