Provident Bancorp, Inc.
President and CEO
Rings The NASDAQ Stock Market Opening Bell

Tuesday, January 18, 2005
at NASDAQ's MarketSite
in New York City.

Provident Bancorp, Inc.

The NASDAQ Stock Market is proud to welcome Provident Bancorp, Inc. and its President and CEO George Strayton to the market open in celebration of the company's sixth-year listing anniversary. In January 1999, Provident Bancorp began trading under the ticker symbol [PBCP].

About Provident Bancorp, Inc. [PBCP]:

Provident Bancorp, Inc. is the holding company of Provident Bank. Headquartered in Montebello, N.Y., Provident Bank, with over $2.5 billion in assets, is an independent full-service community bank. Provident Bank operates 36 branches that serve the Hudson Valley region, including two offices in Bergen County, N.J. The bank offers a complete line of commercial, retail and investment management and trust services. Visit www.providentbanking.com for more information.

Click for larger pictures of the NASDAQ MarketSite. Additional Photographs for 01/18/2005 Download Hi-Res Quality Photo of this NASDAQ Market Open - Pictured: Provident Bancorp, Inc. [PBCP] CEO Rings The NASDAQ Stock Market Opening Bell These photos are Copyright 2005, Getty Images for The Nasdaq Stock Market Inc. and available for re-publication by the news media only. Any commercial use is strictly prohibited without the prior written consent of Getty Images and The Nasdaq Stock Market Inc. © Copyright 2005, Getty Images for NASDAQ The Nasdaq Stock Market, Inc. Reprinted with the permission of The Nasdaq Stock Market, Inc.