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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13D
Under the Securities Exchange Act of 1934
PROVIDENT BANCORP, INC.
(Name of Issuer)
Class A Common Stock, No Par Value
(Title of Class of Securities)
743834-20-2
(CUSIP Number)
James C. Kennedy, Esq.
One East Fourth Street
Cincinnati, Ohio 45202
(513) 579-2538
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
November 24, 1995
(Date of Event Which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to
report the acquisition which is the subject of this Schedule 13D, and is
filing this schedule because of Rule 13d-1(b)(3) or (4), check the
following box [ ].
Check the following box if a fee is being paid with this statement [X].
Page 1 of 9 Pages
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CUSIP NO. 743834-20-2 13D Page 2 of 9 Pages
1 NAME OF REPORTING PERSONS
S.S. OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS
Lou Ann Flint
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) [ ]
(b) [ ]
3 SEC USE ONLY
4 SOURCE OF FUNDS*
N/A (See Item 4)
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
IS REQUIRED PURSUANT TO ITEM 2(d) or 2(e) [ ]
6 CITIZENSHIP OR PLACE OF ORGANIZATION
7 NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH:
SOLE VOTING POWER
1,500,200
8 SHARED VOTING POWER
---
9 SOLE DISPOSITIVE POWER
1,500,200
10 SHARED DISPOSITIVE POWER
---
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON
1,500,200 (See Item 5)
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11)
EXCLUDES CERTAIN SHARES* [ ]
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
9.0% (See Item 5)
14 TYPE OF REPORTING PERSON*
IN
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Item 1. Security and Issuer.
This Schedule 13D is filed on behalf of Lou Ann Flint (the
"Reporting Person"), relative to the no par value Common Stock ("Common
Stock") issued by Provident Bancorp, Inc. ("Provident"). The principal
executive offices of Provident are located at One East Fourth Street,
Cincinnati, Ohio 45202.
Item 2. Identity and Background.
(a) Lou Ann Flint
(b) 49 East Fourth Street, Cincinnati, Ohio 45202
(c) Executive Vice President of JLM Financial, a financial
consulting firm located at 49 East Fourth Street,
Cincinnati, Ohio 45202
(d) None
(e) None
(f) United States Citizen
Item 3. Source and Amount of Funds or Other Consideration.
Please see Item 4.
Item 4. Purpose of the Transaction.
On November 24, 1995, 1,500,000 shares of Provident Common
Stock were contributed to a trust for which the Reporting Person acts as
sole trustee with voting and dispositive power. The grantor of the
trust is Edyth Lindner, wife of Carl H. Lindner, and the beneficiaries
of the trust are Mrs. Lindner and her sons Carl H. Lindner III, S. Craig
Lindner and Keith E. Lindner.
The Reporting Person considers her beneficial ownership of
Provident equity securities as an investment which the Reporting Person
continues to evaluate. Although she has no present plans to do so, from
time to time the Reporting Person may acquire additional Provident
equity securities or dispose of some or all of the Provident equity
securities which she owns.
Except as set forth in this Item 4, the Reporting Person
presently has no plans or proposals that relate to or would result in
any of the actions specified in clauses (a) through (j) of Item 4 of
Schedule 13D.
Item 5. Interest in Securities of the Issuer.
As of December 1, 1995, the Reporting Person beneficially owned
1,500,200 shares (or approximately 9.0% of the outstanding shares) of
Provident Common Stock as follows:
Holder Number of Shares
Lou Ann Flint (a) 200
Trust 1,500,000
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Total: 1,500,200
(a) Includes 150 shares held as custodian for her minor
children.
As of December 1, 1995, and within the last 60 days, to the
best knowledge and belief of the undersigned, other than as described
herein, no transactions involving Provident equity securities had been
engaged in by the Reporting Person.
Item 6. Contracts, Arrangements, Understandings or Relationships With
Respect to Securities of the Issuer.
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Item 7. Material to be filed as Exhibits.
(1) Power of Attorney executed in connection with filings
under the Securities Exchange Act of 1934, as amended.
After reasonable inquiry and to the best knowledge and belief
of the undersigned, it is hereby certified that the information set
forth in this statement is true, complete and correct.
Dated: December 4, 1995
James C. Kennedy
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James C. Kennedy, As
Attorney-in-Fact for:
Lou Ann Flint
(PROV-LAF.13d)
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Exhibit 1
POWER OF ATTORNEY
I, Lou Ann Flint, do hereby appoint James E. Evans and James C.
Kennedy, or either of them, as my true and lawful attorneys-in-fact to
sign on my behalf individually and to file with the Securities and
Exchange Commission any schedules or other filings or amendments thereto
made by me pursuant to Sections 13(d), 13(f), 13(g), and 14(d) of the
Securities and Exchange Act of 1934, as amended.
IN WITNESS WHEREOF, I have hereunto set my hand at Cincinnati,
Ohio this 4th day of December, 1995.
Lou Ann Flint
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Lou Ann Flint
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