PROVIDIAN FINANCIAL CORP
8-A12B, 1997-09-02
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-A

                FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES
                     PURSUANT TO SECTION 12(b) OR (g) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                         Providian Financial Corporation
                         -------------------------------
             (Exact name of registrant as specified in its charter)


        Delaware                                        94-2933952
 (State of incorporation                             (I.R.S. Employer
    or organization)                                Identification No.)

                               201 Mission Street
                         San Francisco, California 94105
                                 (415) 543-0404
   (Address, including zip code, of registrant's principal executive offices)

     If this form relates to the registration of a class of securities
pursuant to Section 12(b) of the Exchange Act and is effective pursuant to
General Instruction A.(c), check the following box. [X]

     If this form relates to the registration of a class of securities
pursuant to Section 12(g) of the Exchange Act and is effective pursuant to
General Instruction A.(d), check the following box. [ ]

     Securities Act registration statement file number to which this form
relates: 
          ----------------------
          (if applicable)

     Securities to be registered pursuant to Section 12(b) of the Act:

        Title of each class                    Name of each exchange on which
        to be so registered                    each class is to be registered

           Common Stock,                          Pacific Exchange, Inc.
       par value $.01 per share

    Preferred Share Purchase Rights               Pacific Exchange, Inc.


    Securities to be registered pursuant to Section 12(g) of the Act:    None

Item 1.   Description of Registrant's Securities to be Registered.

          In response to this item, incorporated by reference is the description
     of the Common  Stock,  par value $.01 per share,  and the  Preferred  Share
     Purchase  Rights of Providian  Financial  Corporation  (the  "Registrant"),
     contained  under the captions  "Description  of Providian  Bancorp  Capital
     Stock" and "Certain  Antitakeover  Effects--Rights Plan" in the Information
     Statement contained in the Registrant's  registration statement on Form 10,
     filed with the Securities and Exchange Commission on April 17, 1997.

Item 2.   Exhibits.

          None


                                    SIGNATURE

         Pursuant to the  requirements of Section 12 of the Securities  Exchange
Act of 1934,  as amended,  the  Registrant  has duly  caused  this  Registration
Statement  to  be  signed  on  its  behalf  by  the  undersigned,  thereto  duly
authorized.

         Date:  September 2, 1997

                                                PROVIDIAN FINANCIAL CORPORATION
                                                (Registrant)


                                                By: /s/ James Rowe
                                                    ---------------------   
                                                    James Rowe
                                                    Senior Vice President



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