UNITED STATES
                       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):  July 25, 2000

                  PROVIDENT BANK HOME EQUITY LOAN TRUST 2000-2
            Home Equity Loan Asset-Backed Certs., Series 2000-2 Trust
             (Exact name of registrant as specified in its charter)


New York (governing law of           333-95263
Pooling and Servicing Agreement)     (Commission     Pending
(State or other                      File Number)    IRS EIN
jurisdiction
of Incorporation)








        c/o Wells Fargo Bank Minnesota, N.A.                21044
        11000 Broken Land Parkway                         (Zip Code)
        Columbia, MD
        (Address of principal executive offices)


       Registrant's telephone number, including area code:  (410) 884-2000


          Former name or former address, if changed since last report)


ITEM 5.  Other Events

On July 25, 2000 a distribution was made to holders of PROVIDENT BANK HOME
EQUITY LOAN TRUST 2000-2, Home Equity Loan Asset-Backed Certs., Series
2000-2 Trust.


  ITEM 7.  Financial Statements and Exhibits

        (c)  Exhibits furnished in accordance with Item 601(a) of
  Regulation S-K

             Exhibit Number                      Description

             EX-99.1              Monthly report distributed to holders of
                                  Home Equity Loan Asset-Backed Certs.,
                                  Series 2000-2 Trust, relating to the July
                                  25, 2000 distribution.


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 BANK HOME EQUITY LOAN TRUST 2000-2
             Home Equity Loan Asset-Backed Certs., Series 2000-2 Trust

              By:   Wells Fargo Bank Minnesota, NA as Trustee
              By:   /s/ Sherri Sharps, Vice President
              By:   Sherri Sharps, Vice President
              Date: 08/04/2000


                                INDEX TO EXHIBITS

Exhibit Number                   Description

EX-99.1         Monthly report distributed to holders of Home Equity Loan
                Asset-Backed Certs., Series 2000-2 Trust, relating to the July
                25, 2000 distribution.