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): March 15, 2004 -------------- PROVIDENT BANCORP, INC. ----------------------- (Exact Name of Registrant as Specified in Charter) Delaware 0-25233 80-0091851 -------- ------- ---------- (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incorporation) Identification No.) 400 Rella Boulevard, Montebello, New York 10901 - ----------------------------------------- ----- (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (845) 369-8040 -------------- Not Applicable -------------- (Former name or former address, if changed since last report) Item 5. Other Events ------------ As previously reported, on March 14, 2004, Provident Bancorp, Inc. ("Provident" or the "Registrant") entered into a definitive merger agreement with Warwick Community Bancorp, Inc. ("Warwick"), pursuant to which the Registrant will acquire Warwick and its banking subsidiaries (the "Acquisition"). A copy of the merger agreement is being filed as Exhibit 99 to this Current Report. Item 7. Financial Statements and Exhibits --------------------------------- (a) Not Applicable. (b) Not Applicable. (c) Exhibits. Exhibit No. Description ----------- ----------- 99 Agreement and Plan of Merger By and Between Provident Bancorp, Inc. and Warwick Community Bancorp, Inc., dated as of March 15, 2004 SIGNATURE 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: March 16, 2004 By: /s/ Daniel Rothstein ---------------------------- Daniel Rothstein Executive Vice President and Corporate Secretary EXHIBIT INDEX The following exhibits are filed as part of this report: Exhibit No. Description ----------- ----------- 99 Agreement and Plan of Merger By and Between Provident Bancorp, Inc. and Warwick Community Bancorp, Inc., dated as of March 15, 2004