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<TITLE>    Form S-8 Registration Statement
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<SMALL>As filed with the Securities and Exchange Commission on February 15, 2001.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Registration No. 333-</SMALL><BR><BR>
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<H4 ALIGN=CENTER>                          SECURITIES AND EXCHANGE COMMISSION<BR>
                                              Washington, D.C. 20549</H4>
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<H4 ALIGN=CENTER>
                                                     FORM S-8<BR>
                                              REGISTRATION STATEMENT<BR>
                                                       UNDER<BR>
                                            THE SECURITIES ACT OF 1933</H4>
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<BR>
&nbsp;&nbsp;<SMALL>Incorporated</SMALL>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>PROVIDENT FINANCIAL GROUP, INC.</B>&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <SMALL>I.R.S. Employer</SMALL><BR>
<SMALL>Under the Laws</SMALL>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<SMALL>One East Fourth Street</SMALL>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;<SMALL>Identification No.</SMALL><BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<SMALL>of Ohio</SMALL>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<SMALL>CINCINNATI, OHIO 45202</SMALL>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<SMALL>31-0982792</SMALL><BR>
<BR>

<CENTER>                        GLENWAY FINANCIAL CORPORATION 1990 STOCK OPTION AND INCENTIVE PLAN<BR><BR>

                              FIDELITY FEDERAL SAVINGS BANK 1992 STOCK INCENTIVE PLAN<BR><BR>

                              FIDELITY FINANCIAL OF OHIO, INC. 1997 STOCK OPTION PLAN<BR><BR>

                             OHSL FINANCIAL CORP. 1992 STOCK OPTION AND INCENTIVE PLAN<BR><BR>

                          PROVIDENT FINANCIAL GROUP, INC. 2000 EMPLOYEE STOCK OPTION PLAN<BR><BR>

<HR WIDTH=25%>
                                                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)<BR><BR><BR>
CALCULATION OF REGISTRATION FEE
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<PRE>

                                                      Proposed      Proposed
     Title of                                          Maximum       Maximum
    Securities         Amount          Offering       Aggregate     Amount of
      To Be             To Be            Price        Offering    Registration
    Registered       Registered(1)    Per Share(2)    Price(2)       Fee(3)
------------------ ----------------- -------------- ------------- ------------

   Common Stock,     100,000 Shares      $30.34      $3,034,000       $759
   No par value
------------------ ----------------- -------------- ------------- ------------

</PRE>

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<TD WIDTH=5%> (1)</TD>
<TD WIDTH=95%>
This Registration Statement is filed for up to an additional 100,000 shares
issuable upon the exercise of options granted pursuant to the Provident
Financial Group, Inc. 2000 Employee Stock Option Plan. This registration
statement does not cover any additional shares issuable upon the exercise of
options granted pursuant to the Glenway Financial Corporation 1990 Stock Option
and Incentive Plan, the Fidelity Federal Savings Bank 1992 Stock Incentive Plan,
the Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan or the OHSL
Financial Corp. 1992 Stock Option and Incentive Plan.</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=5%> (2)</TD>
<TD WIDTH=95%> Estimated solely for purposes of calculating the registration fee.</TD>
</TR>
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<BR>

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<TR VALIGN=TOP>
<TD WIDTH=5%>(3)</TD>
<TD WIDTH=95%>
Calculated pursuant to Rule 457(h) based on the average of the high and low
prices of the Common Stock on the Nasdaq Stock Market on February 9, 2001 at
$30.34 per share.</TD>
</TR>
</TABLE>
<BR>

<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;         The contents of Registration No. 333-96503, as filed with the Commission on February 9, 2000, are
incorporated herein by reference.</P>

Item 8.  Exhibits*<BR><BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.1</TD>
<TD WIDTH=95%>                 Glenway Financial Corporation 1990 Stock Option and Incentive Plan, as Amended
                             (formerly known as the Centennial Financial Corp. 1990 Stock Option and Incentive
                             Plan) (incorporated by reference to Centennial Financial Corp.'s Form S-8, File
                             No. 33-52984, filed with the SEC on October 6, 1992)</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.2</TD>
<TD WIDTH=95%>                Second Amendment to the Glenway Financial Corporation 1990 Stock Option and
                             Incentive Plan (incorporated by reference to Provident's Form S-8, File No.
                             333-96503, filed with the SEC on February 9, 2000)</TD>
</TR>
</TABLE>
<BR>



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<TD WIDTH=15%>Exhibit 4.3</TD>
<TD WIDTH=95%>Fidelity Federal Savings Bank 1992 Stock Incentive Plan (incorporated by
reference to Fidelity Financial of Ohio, Inc.&#145;s Form S-1, File No.
33-99304, filed with the SEC on November 14, 1995)</TD>
</TR>
</TABLE>
<BR>



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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.4</TD>
<TD WIDTH=95%>       Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan (incorporated by
                             reference to Fidelity Financial of Ohio, Inc.'s Form 10-K filed with the SEC on
                             March 30, 1998)</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.5</TD>
<TD WIDTH=95%>             First Amendment to the Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan
                             (incorporated by reference to Provident's Form S-8, File No. 333-96503, filed
                             with the SEC on February 9, 2000)</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.6</TD>
<TD WIDTH=95%>               OHSL Financial Corp. 1992 Stock Option and Incentive Plan (incorporated by
                             reference to OHSL Financial Corp.'s Form S-1, File No. 33-53348, filed with the
                             SEC on October 16, 1992)</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 4.7</TD>
<TD WIDTH=95%>             Provident Financial Group, Inc. 2000 Employee Stock Option Plan (incorporated by
                             reference to Provident's Form S-8, File No. 333-96503, filed with the SEC on
                             February 9, 2000)</TD>
</TR>
</TABLE>
<BR>

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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 5</TD>
<TD WIDTH=95%>                Opinion of Keating, Muething &amp; Klekamp, P.L.L.</TD>
</TR>
</TABLE>
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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 23.1</TD>
<TD WIDTH=95%>              Consent of Ernst &amp; Young, L.L.P.
</TD>
</TR>
</TABLE>
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<TD WIDTH=15%>Exhibit 23.2</TD>
<TD WIDTH=95%>               Consent of Keating, Muething &amp; Klekamp, P.L.L. (contained in Exhibit 5)

</TD>
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<TR VALIGN=TOP>
<TD WIDTH=15%>Exhibit 24</TD>
<TD WIDTH=95%>           Power of Attorney (contained in the signature page)</TD>
</TR>
</TABLE>
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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*All exhibits are filed herewith uless otherwise indicated.<BR><BR><BR>

<CENTER>                                         SIGNATURES</CENTER>

<P>&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 February 15, 2001.</P><BR><BR>

<P ALIGN=RIGHT>PROVIDENT FINANCIAL GROUP, INC.<BR><BR><BR>
By:<U>_______/s/ Robert L. Hoverson_______</U><BR>
Robert L. Hoverson&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
Chief Executive Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR><BR></P>

<P>&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.</P><BR><BR>
<PRE>
Signature                        Capacity                      Date
---------                        --------                      ----


*  /s/ Robert L. Hoverson        Chief Executive               February 15, 2001
-----------------------------    Officer and Director
Robert L. Hoverson               (Principal Executive
                                 Officer)

*  /s/ Philip R. Myers           Executive Vice President      February 15, 2001
-----------------------------    and Director
Philip R. Myers


*  /s/ Christopher J. Carey      Executive Vice President      February 15, 2001
-----------------------------    and Chief Financial Officer
Christopher J. Carey             (Principal Financial Officer
                                 and Principal Accounting
                                 Officer)

*  /s/ Jack M. Cook              Director                      February 15, 2001
-----------------------------
Jack M. Cook

*                                Director                      February __, 2001
-----------------------------
Thomas D. Grote, Jr.


*  /s/ Joseph A. Pedoto          Director                      February 15, 2001
-----------------------------
Joseph A. Pedoto


*  /s/ Sidney A. Peerless        Director                      February 15, 2001
-----------------------------
Sidney A. Peerless


*  /s/ Joseph A. Steger          Director                      February 15, 2001
-----------------------------
Joseph A. Steger


</PRE>

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Form S-8 Registration Statement
As filed with the Securities and Exchange Commission on February 15, 2001.                    
Registration No. 333-
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Incorporated
PROVIDENT FINANCIAL GROUP, INC.
I.R.S. Employer
Under the Laws
One East Fourth Street
Identification No.
of Ohio
CINCINNATI, OHIO 45202
31-0982792
GLENWAY FINANCIAL CORPORATION 1990 STOCK OPTION AND INCENTIVE PLAN
FIDELITY FEDERAL SAVINGS BANK 1992 STOCK INCENTIVE PLAN
FIDELITY FINANCIAL OF OHIO, INC. 1997 STOCK OPTION PLAN
OHSL FINANCIAL CORP. 1992 STOCK OPTION AND INCENTIVE PLAN
PROVIDENT FINANCIAL GROUP, INC. 2000 EMPLOYEE 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
Proposed      Proposed
     Title of                                          Maximum       Maximum
    Securities         Amount          Offering       Aggregate     Amount of
      To Be             To Be            Price        Offering    Registration
    Registered       Registered(1)    Per Share(2)    Price(2)       Fee(3)
------------------ ----------------- -------------- ------------- ------------

   Common Stock,     100,000 Shares      $30.34      $3,034,000       $759
   No par value
------------------ ----------------- -------------- ------------- ------------
(1)
This Registration Statement is filed for up to an additional 100,000 shares
issuable upon the exercise of options granted pursuant to the Provident
Financial Group, Inc. 2000 Employee Stock Option Plan. This registration
statement does not cover any additional shares issuable upon the exercise of
options granted pursuant to the Glenway Financial Corporation 1990 Stock Option
and Incentive Plan, the Fidelity Federal Savings Bank 1992 Stock Incentive Plan,
the Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan or the OHSL
Financial Corp. 1992 Stock Option and Incentive Plan.
(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 Stock Market on February 9, 2001 at
$30.34 per share.
The contents of Registration No. 333-96503, as filed with the Commission on February 9, 2000, are
incorporated herein by reference.
Item 8.  Exhibits*
Exhibit 4.1
Glenway Financial Corporation 1990 Stock Option and Incentive Plan, as Amended
                             (formerly known as the Centennial Financial Corp. 1990 Stock Option and Incentive
                             Plan) (incorporated by reference to Centennial Financial Corp.'s Form S-8, File
                             No. 33-52984, filed with the SEC on October 6, 1992)
Exhibit 4.2
Second Amendment to the Glenway Financial Corporation 1990 Stock Option and
                             Incentive Plan (incorporated by reference to Provident's Form S-8, File No.
                             333-96503, filed with the SEC on February 9, 2000)
Exhibit 4.3
Fidelity Federal Savings Bank 1992 Stock Incentive Plan (incorporated by
reference to Fidelity Financial of Ohio, Inc.'s Form S-1, File No.
33-99304, filed with the SEC on November 14, 1995)
Exhibit 4.4
Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan (incorporated by
                             reference to Fidelity Financial of Ohio, Inc.'s Form 10-K filed with the SEC on
                             March 30, 1998)
Exhibit 4.5
First Amendment to the Fidelity Financial of Ohio, Inc. 1997 Stock Option Plan
                             (incorporated by reference to Provident's Form S-8, File No. 333-96503, filed
                             with the SEC on February 9, 2000)
Exhibit 4.6
OHSL Financial Corp. 1992 Stock Option and Incentive Plan (incorporated by
                             reference to OHSL Financial Corp.'s Form S-1, File No. 33-53348, filed with the
                             SEC on October 16, 1992)
Exhibit 4.7
Provident Financial Group, Inc. 2000 Employee Stock Option Plan (incorporated by
                             reference to Provident's Form S-8, File No. 333-96503, filed with the SEC on
                             February 9, 2000)
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 uless 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 February 15, 2001.
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        Chief Executive               February 15, 2001
-----------------------------    Officer and Director
Robert L. Hoverson               (Principal Executive
                                 Officer)

*  /s/ Philip R. Myers           Executive Vice President      February 15, 2001
-----------------------------    and Director
Philip R. Myers

*  /s/ Christopher J. Carey      Executive Vice President      February 15, 2001
-----------------------------    and Chief Financial Officer
Christopher J. Carey             (Principal Financial Officer
                                 and Principal Accounting
                                 Officer)

*  /s/ Jack M. Cook              Director                      February 15, 2001
-----------------------------
Jack M. Cook

*                                Director                      February __, 2001
-----------------------------
Thomas D. Grote, Jr.

*  /s/ Joseph A. Pedoto          Director                      February 15, 2001
-----------------------------
Joseph A. Pedoto

*  /s/ Sidney A. Peerless        Director                      February 15, 2001
-----------------------------
Sidney A. Peerless

*  /s/ Joseph A. Steger          Director                      February 15, 2001
-----------------------------
Joseph A. Steger