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 19, 2006
                                                           -------------


                      PROVIDENT COMMUNITY BANCSHARES, INC.
                      ------------------------------------
             (Exact name of registrant as specified in its charter)


          Delaware                    1-5735                57-1001177
          --------                   ---------              ----------
(State or other Jurisdiction of     (Commission             (IRS Employer
incorporation or organization)      File Number)            Identification No.)


203 West Main Street, Union, South Carolina                 29379-0886
- -------------------------------------------                 ----------
(Address of principal executive offices)                    (Zip Code)


Registrant's telephone number, including area code:         (864) 427-9000
                                                            --------------


                                 Not applicable.
                        --------------------------------
         (Former name or former address, if changed since last report.)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))








Item 2.02         Results of Operations and Financial Condition.
                  ---------------------------------------------

         On July 19, 2006, Provident Community Bancshares, Inc., the holding
company for Provident Community Bank, N.A., announced its financial results for
the quarter ending June 30, 2006. The press release announcing financial results
for the quarter ending June 30, 2006 is included as Exhibit 99.1 and
incorporated herein by reference.

Item 9.01         Financial Statements and Exhibits.
                  ---------------------------------

(a)    Financial Statement of Businesses Acquired: Not applicable

(b)    Pro Forma Information: Not applicable

(c)    Shell Company Transactions: Not applicable

(d)    Exhibits

              Number                 Description
              ------                 -----------

              99.1                   Press Release Dated July 19, 2006







                                   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.


                                           UNION FINANCIAL BANCSHARES, INC.


Dated:  July 19, 2006                      By: /s/ Dwight V. Neese
                                               -----------------------------
                                           Dwight V. Neese
                                           President and Chief Executive Officer