SECURITIES AND EXCHANGE COMMISSION
                          Washington, DC 20549

                               FORM 12b-25

                      NOTIFICATION OF LATE FILING

  [X] Form 10-KSB [ ] Form 20-F [ ] Form 11-K [ ] Form 10-QSB
  [ ] Form N-SAR

  For the Period Ended: June 30, 2001.

  [  ] Transition Report on Form 10-KSB
  [  ] Transition Report on Form 10-QSB
  [  ] Transition Report on Form 20-F
  [  ] Transition Report on Form N-SAR
  [  ] Transition Report on Form 11-K

  For the Transition Period Ended:

  Nothing in this Form shall be construed to imply that the
  Commission has verified any information contained herein.

  If the notification relates to a portion of the filing
  checked above, identify the Item(s) to which the
  notification relates:

                  PART I - REGISTRANT INFORMATION

  Full Name of Registrant: Providential Holdings, Inc.

  Former Name, if Applicable: JR Consulting, Inc.

  Address of Principal Executive Office (Street and Number):

  8700 Warner Avenue, Suite 200
  Fountain Valley, California 92708

              PART II - RULES 12b-25 (b) AND (c)

  If the subject report could not be filed without reasonable
  effort or expense and the registrant seeks relief pursuant
  to Rule 12b-25(b), the following should be completed. (Check
  box if appropriate)

  [X] (a) The reasons described in reasonable detail in Part
  III of this form could not be eliminated without
  unreasonable effort or expense;

  [X] (b) The subject annual report or semi-annual report,
  transition report on Form 10-KSB, Form 20-F, 11-K or Form N-
  SAR, or portion thereof will be filed on or before the
  fifteenth calendar day following the prescribed due date; or
  the subject Quarterly report or transition report on Form
  10-QSB, or portion thereof, will be filed on or before the
  fifth calendar day following the prescribed due date; and

  [  ] (c) The accountant's statement or other exhibit
  required by Rule 12b-25(c) has been attached if applicable)

                      PART III - NARRATIVE

  The Registrant is in the process of compiling information
  for the fiscal year ended June 30, 2001 for the Form 10-KSB,
  all of which information has not yet been received.

                    PART IV - OTHER INFORMATION

  (1) Name and telephone number of person to contact in regard
  to this notification:

  Chris Dieterich, Esq.:  (310) 312-6888.

  (2) Have all or other periodic report required under section
  13 or 15(d) of the Securities Exchange Act of 1934 or
  section 30 of the Investment Company act of 1940 during the
  preceding 12 months or for such shorter period that the
  registrant was required to file such report(s) been filed?
  If the answer is no, identify report(s).

  [] Yes  [ X ] No

  Form 10-KSB for period ended 06-30-2000.
  Form 10-QSB for period ended 09-30-2000.
  Form 10-QSB for period ended 12-30-2000.
  Form 10-QSB for period ended 03-31-2001.

  (3) Is it anticipated that any significant change in results
  of operations from the corresponding period for the last
  fiscal year will be reflected by the earnings statements to
  be included in the subject report or portion thereof?

  [X] Yes  [  ] No

  Providential Securities, Inc., a subsidiary of the
  Registrant, ceased its operations effective October 31,
  2000. The Registrant had a new scope of businesses for the
  fiscal year ended June 30, 2001.

  The Registrant has caused this notification to be signed on
  its behalf by the undersigned, thereunto duly authorized.

                                   Providential Holdings, Inc.

  Dated: September 27, 2001         By: /s/  Henry D. Fahman
                                    Henry D. Fahman, CEO