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): June 26, 2005

                             PROVIDENT BANCORP, INC.
               (Exact Name of Registrant as Specified in Charter)

     Delaware                            0-25233                80-0091851
----------------------------        ------------------       --------------
(State or Other Jurisdiction       (Commission File No.)     (I.R.S. Employer
      of Incorporation)                                     Identification No.)


400 Rella Boulevard, Montebello, New York                         10901
-----------------------------------------                         -----
(Address of Principal Executive Offices)                        (Zip Code)

Registrant's telephone number, including area code:  (845) 369-8040
                                                     --------------



                                 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 (see General Instruction A.2. below):

[  ]  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 8.01.        Other Events
                  ------------

     On June 28, 2005, Provident Bancorp, Inc. (the "Company") announced that it
was changing its name to "Provident  New York  Bancorp".  On June 30, 2005, the
Company's  trading symbol on the Nasdaq National Market will change to "PBNY" in
connection with the name change.

     The Company's press release announcing these actions is included as Exhibit
99 to this report.

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

     The Index of Exhibits immediately precedes the attached exhibits.







                                   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.

                               PROVIDENT BANCORP, INC.



DATE:  June 28, 2005           By: /s/ Paul A. Maisch
                                   ----------------------------
                                   Paul A. Maisch
                                   Senior Vice President and Chief Financial
                                   Officer







                                  EXHIBIT INDEX

The following exhibits are filed as part of this report:

         Exhibit No.                           Description
         -----------                           -----------
            99                      Press Release of Provident Bancorp, Inc.