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     <!-- Control Number: PR6780                                                           -->
     <!-- Rev Number:                                                                      -->
     <!-- Client Name:    Provident Financial Group, Inc.                                  -->
     <!-- Project Name:   Form S-8                                                         -->
     <!-- Firm Name:      KMK                                                              -->
     <TITLE>Form S-8</TITLE>
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     <TD WIDTH="70%" ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">As filed with the Securities and Exchange Commission on July 25, 2003.
</FONT></TD>
     <TD WIDTH="30%" ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Registration No. 333-_______
</FONT></TD></TR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>UNITED STATES
SECURITIES AND EXCHANGE COMMISSION <BR>Washington, D.C. 20549 </FONT></P><BR>
<hr width=40% align=center>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORM S-8<BR>
REGISTRATION STATEMENT<BR>UNDER<BR>THE SECURITIES ACT OF
1933 </FONT></P><BR>
<hr width=40% align=center>
<BR>

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     <TD WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;Incorporated <BR>
Under the Laws<BR>
&nbsp;&nbsp;&nbsp;of Ohio
</FONT></TD>
     <TD WIDTH="50%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">PROVIDENT FINANCIAL GROUP, INC.<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;One East Fourth Street    <BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cincinnati, Ohio 45202
</FONT></TD>
     <TD WIDTH="25%" ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;I.R.S. Employer<BR>
Identification No.<BR>
&nbsp;&nbsp;&nbsp;&nbsp;31-0982792
</FONT></TD></TR>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1997 STOCK OPTION PLAN </FONT></P>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Mark E. Magee, Esq.<BR>
Provident Financial Group, Inc.<BR>One East Fourth Street<BR>Cincinnati, Ohio 45202<BR>
(513) 579-2861<BR>(Agent for Service of Process) </FONT></P>
<BR><hr width=40% align=center>
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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>CALCULATION OF
REGISTRATION FEE </B></FONT></P>




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<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Title of<BR>
Securities<BR>
To Be Registered</FONT><HR WIDTH=90% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amount<BR>
To Be<BR>
Registered(1)</FONT><HR WIDTH=90% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Proposed<BR>
Maximum<BR>
Offering<BR>
Price<BR>
Per Share(2)</FONT><HR WIDTH=90% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Proposed<BR>
Maximum<BR>
Aggregate<BR>
Offering Price(2)</FONT><HR WIDTH=90% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amount of<BR>
Registration<BR>
Fee(3)</FONT><HR WIDTH=90% SIZE=1 COLOR=BLACK NOSHADE></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="20%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Common Stock,<BR>
No par value
</FONT></TD>
     <TD WIDTH="20%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,000,000 Shares
</FONT></TD>
     <TD WIDTH="20%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$26.37
</FONT></TD>
     <TD WIDTH="20%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$26,370,000
</FONT></TD>
     <TD WIDTH="20%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$2,134
</FONT></TD></TR>
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               <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1) </FONT></TD>
               <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
               This Registration Statement is filed for up to 1,000,000 additional shares
               issuable upon the exercise of options granted pursuant to the Provident
               Financial Group, Inc. 1997 Stock Option Plan, as amended. </FONT></TD>
               </TR>
               </TABLE>
               <BR>

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               <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2) </FONT></TD>
               <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          Estimated solely for purposes of calculating the registration fee.</FONT></TD>
               </TR>
               </TABLE>
               <BR>

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               <TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3) </FONT></TD>
               <TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
               Calculated pursuant to Rule 457(h) based on the average of the high and low
               prices of the Common Stock on the Nasdaq National Market on July 23, 2003 at
               $26.37 per share. </FONT></TD>
               </TR>
               </TABLE>
               <BR>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2 </FONT></P>

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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
contents of Registration  Nos.  333-28393 and 333-61142,  as filed with the Commission on
June 3, 1997 and May 17, 2001 respectively, are incorporated herein by reference. </FONT>
</TD>
</TR>
</TABLE>
<BR>

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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 8. Exhibits* </FONT></H1>


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     <TD WIDTH="20%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit 4
</FONT></TD>
     <TD WIDTH="80%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Provident  Financial  Group,  Inc. 1997 Stock Option Plan, as amended  (incorporated  by
reference to Provident's Form 10-K for the fiscal year ended December 31, 2002).
</FONT></TD></TR>
<TR>
      <TD>&nbsp; </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit 5
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Opinion of Keating, Muething &amp; Klekamp, P.L.L.
</FONT></TD></TR>

<TR>
      <TD>&nbsp; </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit 23.1
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of Ernst &amp; Young, L.L.P.
</FONT></TD></TR>
<TR>
      <TD>&nbsp; </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit 23.2
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of Keating, Muething &amp; Klekamp, P.L.L. (contained in Exhibit 5)
</FONT></TD></TR>
<TR>
      <TD>&nbsp; </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Exhibit 24
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Power of Attorney (contained in the signature page)
</FONT></TD></TR>
</TABLE>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*
All exhibits are filed herewith unless otherwise indicated. </FONT></P>


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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in Cincinnati, Ohio, on July 25, 2003. </FONT></P>

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<TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>PROVIDENT FINANCIAL GROUP, INC.</B><BR><BR>
<BR>BY: /s/ Robert L. Hoverson<BR>&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;<BR>
Robert L. Hoverson<BR>Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
<BR>
<BR>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated. Each person
whose signature appears below marked with an asterisk hereby authorizes Robert L. Hoverson
or Mark E. Magee or Christopher J. Carey as attorney-in-fact to sign on his behalf
individually and in each capacity indicated below, any amendments, including
post-effective amendments, to this Registration Statement. </FONT></P>


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<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Signature</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Capacity</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Date</FONT><HR WIDTH=95% SIZE=1 COLOR=BLACK NOSHADE></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="34%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Robert L. Hoverson
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Robert L. Hoverson
</FONT></TD>
     <TD WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Chief Executive
Officer and Director<BR>
(Principal Executive
Officer)
</FONT></TD>
     <TD WIDTH="33%" ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003
</FONT></TD></TR>

<TR>
      <TD>&nbsp; </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Christopher J. Carey
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Christopher J. Carey
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Executive Vice President     <BR>
and Chief Financial Officer<BR>
(Principal Financial Officer<BR>
and Principal Accounting<BR>
Officer)
</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003
</FONT></TD></TR>

<TR>
      <TD>&nbsp; </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Jack M. Cook
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Jack M. Cook
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003</FONT></TD></TR>

<TR>
      <TD> &nbsp;</TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Thomas D. Grote, Jr.
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Thomas D. Grote, Jr.
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003</FONT></TD></TR>
<TR>
      <TD>&nbsp; </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Joseph A. Pedoto
&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Joseph A. Pedoto
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003</FONT></TD></TR>
<TR>
      <TD>&nbsp; </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Sidney A. Peerless
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Sidney A. Peerless
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003</FONT></TD></TR>

<TR>
      <TD>&nbsp; </TD>
      <TD> </TD>
      <TD> </TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><U>*/s/ Joseph A. Steger
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Joseph A. Steger
</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Director</FONT></TD>
     <TD ALIGN="Center"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">July 25, 2003</FONT></TD></TR>
</TABLE>



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Form S-8
As filed with the Securities and Exchange Commission on July 25, 2003.
Registration No. 333-_______
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF
1933
Incorporated
Under the Laws
of Ohio
PROVIDENT FINANCIAL GROUP, INC.
One East Fourth Street
Cincinnati, Ohio 45202
I.R.S. Employer
Identification No.
31-0982792
1997 STOCK OPTION PLAN
Mark E. Magee, Esq.
Provident Financial Group, Inc.
One East Fourth Street
Cincinnati, Ohio 45202
(513) 579-2861
(Agent for Service of Process)
CALCULATION OF
REGISTRATION FEE
Title of
Securities
To Be Registered
Amount
To Be
Registered(1)
Proposed
Maximum
Offering
Price
Per Share(2)
Proposed
Maximum
Aggregate
Offering Price(2)
Amount of
Registration
Fee(3)
Common Stock,
No par value
1,000,000 Shares
$26.37
$26,370,000
$2,134
(1)
This Registration Statement is filed for up to 1,000,000 additional shares
               issuable upon the exercise of options granted pursuant to the Provident
               Financial Group, Inc. 1997 Stock Option Plan, as amended.
(2)
Estimated solely for purposes of calculating the registration fee.
(3)
Calculated pursuant to Rule 457(h) based on the average of the high and low
               prices of the Common Stock on the Nasdaq National Market on July 23, 2003 at
               $26.37 per share.
2
The
contents of Registration  Nos.  333-28393 and 333-61142,  as filed with the Commission on
June 3, 1997 and May 17, 2001 respectively, are incorporated herein by reference.
Item 8. Exhibits*
Exhibit 4
Provident  Financial  Group,  Inc. 1997 Stock Option Plan, as amended  (incorporated  by
reference to Provident's Form 10-K for the fiscal year ended December 31, 2002).
Exhibit 5
Opinion of Keating, Muething & Klekamp, P.L.L.
Exhibit 23.1
Consent of Ernst & Young, L.L.P.
Exhibit 23.2
Consent of Keating, Muething & Klekamp, P.L.L. (contained in Exhibit 5)
Exhibit 24
Power of Attorney (contained in the signature page)
*
All exhibits are filed herewith unless otherwise indicated.
SIGNATURES
Pursuant
to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in Cincinnati, Ohio, on July 25, 2003.
PROVIDENT FINANCIAL GROUP, INC.
BY: /s/ Robert L. Hoverson
——————————————
Robert L. Hoverson
Chief Executive Officer
Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated. Each person
whose signature appears below marked with an asterisk hereby authorizes Robert L. Hoverson
or Mark E. Magee or Christopher J. Carey as attorney-in-fact to sign on his behalf
individually and in each capacity indicated below, any amendments, including
post-effective amendments, to this Registration Statement.
Signature
Capacity
Date
*/s/ Robert L. Hoverson
Robert L. Hoverson
Chief Executive
Officer and Director
(Principal Executive
Officer)
July 25, 2003
*/s/ Christopher J. Carey
Christopher J. Carey
Executive Vice President
and Chief Financial Officer
(Principal Financial Officer
and Principal Accounting
Officer)
July 25, 2003
*/s/ Jack M. Cook
Jack M. Cook
Director
July 25, 2003
*/s/ Thomas D. Grote, Jr.
Thomas D. Grote, Jr.
Director
July 25, 2003
*/s/ Joseph A. Pedoto
Joseph A. Pedoto
Director
July 25, 2003
*/s/ Sidney A. Peerless
Sidney A. Peerless
Director
July 25, 2003
*/s/ Joseph A. Steger
Joseph A. Steger
Director
July 25, 2003