RP Financial, LC.
- ----------------------------------------------
Financial Services Industry Consultants



                                                 September 10, 2003



Boards of Directors
Provident Bancorp, MHC
Provident Bancorp, Inc.
Provident Bank
400 Rella Boulevard
Montebello, New York  10901

Members of the Boards:

         We hereby consent to the use of our firm's name in the Form AC
Application for Conversion, the Registration Statement on Form S-1, and in the
Registration Statement on Form S-4 for Provident Bancorp, Inc., in each case as
amended and supplemented. We also hereby consent to the inclusion of, summary of
and references to our Appraisal and our statement concerning subscription rights
in such filings including the prospectus of Provident Bancorp, Inc. and the
Joint Proxy Statement/Prospectus of Provident Bancorp, Inc. and E.N.B. Holding
Company, Inc.


                                                 Sincerely,



                                                 /s/ RP FINANCIAL, LC.


                                                 RP FINANCIAL, LC.



- --------------------------------------------------------------------------------
Washington Headquarters
Rosslyn Center                                        Telephone:  (703) 528-1700
1700 North Moore Street, Suite 2210                      Fax No:  (703) 528-1788
Arlington, VA  22209                              Toll-Free No.:  (866) 723-0594
www.rpfinancial.com                                E-Mail:  mail@rpfinancial.com