EXHIBIT 23.5








                        INDEPENDENT ACCOUNTANTS' CONSENT


The Board of Directors
Provident Bancorp, Inc.:

We consent to the use in the Registration Statement on Form S-4 to be filed by
Provident Bancorp, Inc. with the Securities and Exchange Commission of our
report dated May 21, 2004, with respect to the consolidated statement of
financial condition of E.N.B. Holding Company, Inc. and subsidiaries as of
December 31, 2003, and the related consolidated statements of income, changes in
stockholders' equity, and cash flows for the year then ended.

We consent to the reference to our firm under the heading "EXPERTS" in the proxy
statement/prospectus included in the Form S-4.

                                                     /s/ KPMG LLP

Albany, New York
June 23, 2004