PROVIDENT BANCORP INC/NY/ S-1

FORM S-1

EXHIBIT 1.1

EXHIBIT 2.1

EXHIBIT 3.1

EXHIBIT 3.2

EXHIBIT 4

EXHIBIT 5

EXHIBIT 8

EXHIBIT 21

EXHIBIT 23.2

EXHIBIT 23.3

EXHIBIT 99.1

EXHIBIT 99.2

EXHIBIT 99.4

EXHIBIT 99.7