SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.  20549

                                    FORM 10-K

                   Annual Report Pursuant to Section 13 or 15(d)
                      of the Securities Exchange Act of 1934

                             For the fiscal year ended
                                 December 31, 2000

                        Commission file number:  333-95263

                               THE PROVIDENT BANK,
           (as "Transferor" and "Master Servicer", under the Sale and Servicing
           Agreement dated as of June 1, 2000 (the "Agreement") providing for
           the issuance of the Provident Home Equity Loan Trust 2000-A Home
           Equity Loan Asset-Backed Notes, Series 2000-A.)


                     PROVIDENT HOME EQUITY LOAN TRUST 2000-A
                HOME EQUITY LOAN ASSET-BACKED NOTES, SERIES 2000-A
                (Exact name of Registrant as specified in its Charter)


           OHIO                                        31-0412725
           (State or other jurisdiction                (I.R.S. Employer
           incorporation or organization)              Identification Number)


           ONE EAST FOURTH STREET
           CINCINNATI, OHIO                            45202
           (Address of principal executive offices)    (Zip Code)

           Registrant's telephone number, including area code:
                               (212) 272-4095

          Securities registered pursuant to Section 12(b) of the Act:
                               NOT APPLICABLE.

          Securities registered pursuant to Section 12(g) of the Act:
                               NOT APPLICABLE.

     Indicate by check mark whether the Registrant (1) has filed all reports
     required to be filed by Section 13 or 15(d) of the Securities Exchange
     Act of 1934 during the preceding 12 months (or for such shorter period
     that the Registrant was required to file such reports), and (2) has been
     subject to such filing requirements for the past 90 days.  Yes  X  No

     Indicate by check mark if disclosure of delinquent filers pursuant to
     Item 405 of Regulation S-K is not contained herein, and will not be
     contained, to the best of the Registrant's knowledge, in definitive proxy
     or information statements incorporated by reference in Part III of the
     Form 10-K or any amendment to this Form 10-K.  [  ].

     Aggregate market value of voting stock held by non-affiliates of the
     Registrant as of December 31, 2000:  NOT APPLICABLE.

     Number of shares of common stock outstanding as of December 31, 2000:
     NOT APPLICABLE.

     DOCUMENTS INCORPORATED BY REFERENCE

     Documents in Part I, II, and Part IV incorporated herein by reference are
     as follows:

     Monthly Remittance Statement to the Certificateholders dated as of
     July 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on September 19, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     August 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on September 19, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     September 25, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on November 7, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     October 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on December 4, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     November 27, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 29, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     December 26, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 23, 2001.


     PART I

     ITEM 1.  Business.

     The trust (the "Trust") created pursuant to a Sale and Servicing agreement
     dated as of June 1, 2000 (the "Agreement") among Provident Home Equity
     Loan Trust 2000-A, a Delaware business trust (the "Trust"), The Provident
     Bank, an Ohio banking corporation, as Master Servicer (the "Master
     Servicer"), and Bankers Trust Company of California, N.A., a national
     banking association, as Indenture Trustee on behalf of the Noteholders (in
     such capacity, the "Indenture "Trustee").

     The Provident Home Equity Loan Trust 2000-A will issue two classes of Home
     Equity Loan Asset-Backed Notes, the Class A-1 Notes and the Class A-2
     Notes, pursuant to the indenture to be dated as of June 1, 2000, between
     the trust and Bankers Trust Company of California, N.A. as indenture
     trustee.  Pursuant to the indenture, the Class A-1 Notes will be secured
     by the Group 1 Loans and the Class A-2 Notes will be secured by the Group
     2 Loans.  The Class A-1 Notes and the Class A-2 Notes are referred to
     herein collectively as the Class A Notes.  The trust will also issue the
     Group 1 Transferor Interest and the Group 2 Transferor Interest pursuant
     to the trust agreement.  The indenture, the trust agreement and the sale
     and servicing agreement are collectively referred to as the agreements.
     The forms of the agreements have been filed as exhibits to the
     registration statement of which the Prospectus Supplement and the
     Prospectus are a part.

     Information with respect to the business of the Trust would not be
     meaningful because the only "business" of the Trust is the collection
     on the Mortgage Loans and distribution of payments on the Certificates to
     Certificateholders. This information is accurately summarized in the
     Monthly Reports to Certificateholders, which are filed on Form 8-K.
     There is no additional relevant information to report in response to Item
     101 of Regulation S-K.

     ITEM 2.  Properties.

     The Depositor owns no property.  The Provident Home Equity Loan Trust
     2000-A Home Equity Loan Asset-Backed Notes, Series 2000-A, in the
     aggregate, represent the beneficial ownership in a Trust consisting
     primarily of the Mortgage Loans.  The Trust will acquire title to real
     estate only upon default of the mortgagors under the Mortgage Loan.
     Therefore, this item is inapplicable.

     ITEM 3.  Legal Proceedings.

     None.

     ITEM 4.  Submission of Matters to a Vote of Security Holders.

     No matters were submitted to a vote of Certificateholders during the
     fiscal year covered by this report.


     PART II

     ITEM 5.  Market for Registrant's Common Equity and Related Stockholder
     Matters.

     The Provident Home Equity Loan Trust 2000-A Home Equity Loan
     Asset-Backed Notes, Series 2000-A represents, in the aggregate, the
     beneficial ownership in a trust fund consisting of the Mortgage
     Certificates.  The Certificates are owned by Certificateholders as trust
     beneficiaries.  Strictly speaking, the Registrant has no "common
     equity," but for purposes of this Item only, the Registrant's Provident
     Home Equity Loan Trust 2000-A Home Equity Loan Asset-Backed Notes,
     Series 2000-A are treated as "common equity."

     (a)  Market Information.  There is no established public trading market
     for Registrant's Certificates.  Registrant believes the Certificates are
     traded primarily in intra-dealer markets and non-centralized inter-dealer
     markets.

     (b)  Holders.  The number of registered holders of all classes of
     Certificates on December 31, 2000 was:  2.

     (c)  Dividends.  Not applicable.  The information regarding dividends
     required by sub-paragraph (c) of Item 201 of Regulation S-K is
     inapplicable because the Trust does not pay dividends.  However,
     information as to distribution to Certificateholders is provided in the
     Monthly Reports to Certificateholders for each month of the fiscal year
     in which a distribution to Certificateholders was made.

     ITEM 6.  Selected Financial Data.

     Not Applicable.  Because of the limited activities of the Trust, the
     Selected Financial Data required by Item 301 of Regulation S-K does not
     add relevant information to that provided by the Monthly Reports to
     Certificateholders, which are filed on a monthly basis on Form 8-K.

     ITEM 7.  Management's Discussion and Analysis of Financial Condition and
     Results of Operations.

     Not Applicable.  The information required by Item 303 of Regulation S-K
     is inapplicable because the Trust does not have management per se, but
     rather the Trust has a Trustee who causes the preparation of the Monthly
     Reports to Certificateholders.  The information provided by the Monthly
     Reports to Certificateholders, which are filed on a monthly basis on
     Form 8-K, do not provide the relevant financial information regarding the
     financial status of the Trust.

     ITEM 8.  Financial Statements and Supplementary Data.

     Monthly Remittance Statement to the Certificateholders dated as of
     July 25, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     August 25, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     September 25, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     October 25, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     November 27, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     December 26, 2000.

     Annual Statement of Compliance by the Master Servicer will be
     subsequently filed on Form 10-K/A after May 31, 2001.

     Independent Accountant's Report on Servicer's will be subsequently filed
     on Form 10-K/A after May 31, 2001.

     ITEM 9.  Changes in and Disagreements with Accountants on Accounting and
     Financial Disclosure.

     None.


     PART III

     ITEM 10.  Directors and Executive Officers of Registrant.

     Not Applicable.  The Trust does not have officers or directors.
     Therefore, the information required by items 401 and 405 of Regulation
     S-K are inapplicable.

     ITEM 11.  Executive Compensation.

     Not Applicable.  The Trust does not have officers or directors to whom
     compensation needs to be paid.  Therefore, the information required by
     item 402 of regulation S-K is inapplicable.

     ITEM 12.  Security Ownership of Certain Beneficial Owners and Management.

     (a)  Security ownership of certain beneficial owners.  Under the Pooling
     and Servicing Agreement governing the Trust, the holders of the
     Certificates generally do not have the right to vote and are prohibited
     from taking part in management of the Trust.  For purposes of this Item
     and Item 13 only, however, the Certificateholders are treated as "voting
     security" holders.

     As of December 31, 2000, the following are the only persons known to the
     Registrant to be the beneficial owners of more than 5% of any class of
     voting securities:

     CEDEFAST
     CEDE & CO FAST
     P.O. BOX 20
     BOWLING GREEN STATION
     NEW YORK, NEW YORK, 10274
     SERIES 2000-A
     CLASS A-1
     $70,652,000
     100.0%

     CEDEFAST
     CEDE & CO FAST
     P.O. BOX 20
     BOWLING GREEN STATION
     NEW YORK, NEW YORK, 10274
     SERIES 2000-A
     CLASS A-2
     $87,946,000
     100.0%


     (b)  Security ownership of management.  Not Applicable.  The Trust does
     not have any officers or directors.  Therefore, the information required
     by Item 403 of Regulation S-K is inapplicable.

     (c)  Changes in control.  Not Applicable.  Since Certificateholders do not
     possess, directly or indirectly, the power to direct or cause the
     direction of the management and policies of the Trust, other than in
     respect to certain required consents regarding any amendments to the
     Pooling and Servicing Agreement, the information requested with respect to
     item 403 of Regulation S-K is inapplicable.

     ITEM 13.  Certain Relationships and Related Transactions.

     (a)  Transactions with management and others.  Registrant knows of no
     transaction or series of transactions during the fiscal year ended
     December 31, 2000, or any currently proposed transaction or series of
     transactions, in an amount exceeding $60,000 involving the Registrant in
     which the Certificateholders identified in Item 12(a) had or will have a
     direct or indirect material interest.  There are no persons of the types
     described in Item 404(a)(1),(2) and (4) of Regulation S-K, however, the
     information required by Item 404(a)(3) of Regulation S-K is hereby
     incorporated by reference in Item 12 herein.

     (b)  Certain business relationships.  None.

     (c)  Indebtedness of management. Not Applicable.  The Trust does not have
     management consisting of any officers or directors.  Therefore, the
     information required by item 404 of Regulation S-K is inapplicable.

     (d)  Transactions with promoters.  Not Applicable.  The Trust does not use
     promoters.  Therefore, the information required by item 404 of Regulation
     S-K is inapplicable.


     PART IV

     ITEM 14.  Exhibits, Financial Statement Schedules, and Reports on Form
     8-K.

     (a)  The following is a list of documents filed as part of this report:

     EXHIBITS

     Monthly Remittance Statement to the Certificateholders dated as of
     July 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on September 19, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     August 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on September 19, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     September 25, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on November 7, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     October 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on December 4, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     November 27, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 29, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     December 26, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 23, 2001.

     Annual Statement of Compliance by the Master Servicer will be
     subsequently filed on Form 10-K/A after May 31, 2001.

     Independent Accountant's Report on Servicer's will be subsequently filed
     on Form 10-K/A after May 31, 2001.


     (b)  The following Reports on Form 8-K were filed during the last quarter
     of the period covered by this Report:

     Monthly Remittance Statement to the Certificateholders dated as of
     October 25, 2000, and filed with the Securities and Exchange Commission on
     Form 8-K on December 4, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     November 27, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 29, 2000.

     Monthly Remittance Statement to the Certificateholders dated as of
     December 26, 2000, and filed with the Securities and Exchange Commission
     on Form 8-K on January 23, 2001.


     (c)  The exhibits required to be filed by Registrant pursuant to Item 601
     of Regulation S-K are listed above and in the Exhibit Index that
     immediately follows the signature page hereof.

     (d)  Not Applicable.  The Trust does not have any subsidiaries or
     affiliates.  Therefore, no financial statements are filed with respect to
     subsidiaries or affiliates.

     Supplemental information to be furnished with reports filed pursuant to
     Section 15(d) by registrants which have not registered securities pursuant
     to Section 12 of the Act.

     No annual report, proxy statement, form of proxy or other soliciting
     material has been sent to Certificateholders, and the Registrant does
     not contemplate sending any such materials subsequent to the filing of
     this report.


                                     SIGNATURE

          Pursuant to the requirements of Section 13 or 15(d) of the
          Securities Exchange Act of 1934, the Registrant has duly caused
          this report to be signed on its behalf by the undersigned,
          thereunto duly authorized.

                             By:  Bankers Trust Company of California, N.A.
                                  not in its individual capacity but solely as
                                  a duly authorized agent of the Registrant
                                  pursuant to the Pooling and Servicing
                                  Agreement, dated as of June 1, 2000.


                                  By:  /s/Judy L. Gomez
                                  Judy L. Gomez
                                  Assistant Vice President

     Date:  March 26, 2001


     EXHIBIT INDEX

     Exhibit Document

     1.1  Monthly Remittance Statement to the Certificateholders dated as of
          July 25, 2000, and filed with the Securities and Exchange Commission
          on Form 8-K on September 19, 2000.

     1.2  Monthly Remittance Statement to the Certificateholders dated as of
          August 25, 2000, and filed with the Securities and Exchange
          Commission on Form 8-K on September 19, 2000.

     1.3  Monthly Remittance Statement to the Certificateholders dated as of
          September 25, 2000, and filed with the Securities and Exchange
          Commission on Form 8-K on November 7, 2000.

     1.4  Monthly Remittance Statement to the Certificateholders dated as of
          October 25, 2000, and filed with the Securities and Exchange
          Commission on Form 8-K on December 4, 2000.

     1.5  Monthly Remittance Statement to the Certificateholders dated as of
          November 27, 2000, and filed with the Securities and Exchange
          Commission on Form 8-K on January 29, 2000.

     1.6  Monthly Remittance Statement to the Certificateholders dated as of
          December 26, 2000, and filed with the Securities and Exchange
          Commission on Form 8-K on January 23, 2001.