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): October 23, 2003
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 Index of Exhibits immediately precedes the attached exhibits.
Item 12. Results of Operations and Financial Condition
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On October 23, 2003, the Company issued a press release regarding its
earnings for the fiscal year ended September 30, 2003. The press release is
included as Exhibit 99 to this report.
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: October 27, 2003 By: /s/ Paul A. Maisch
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Paul A. Maisch
Senior Vice President and
Chief Financial Officer
EXHIBIT INDEX
The following exhibits are filed as part of this report:
Exhibit No. Description
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99 Press Release of Provident Bancorp, Inc.
EXHIBIT 99
PRESS RELEASE OF PROVIDENT BANCORP, INC.