EXHIBIT 21.1

SUBSIDIARIES OF THE REGISTRANT

Parent Company:

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Provident Financial Holdings, Inc.

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Subsidiaries:

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Percentage of ownership

Jurisdiction or State of Incorporation

Provident Savings Bank, F.S.B.

100%

United States of America

Provident Financial Corp(1)

100%

California

Profed Mortgage, Inc.(1)(2)

100%

California

First Service Corporation(1)(2)

100%

California


(1) This corporation is a wholly owned subsidiary of Provident Savings Bank, F.S.B.

(2) Currently inactive.