SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES AND EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported)

April 26, 2004

Greenwich Capital Acceptance, Inc.

(Exact Name of Registrant as Specified in its Charter)

Delaware

333-99463

06-1199884

State or Other Jurisdiction

Of Incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

600 Steamboat Road

Greenwich, CT

06830

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code: (203) 625-2700

No Change

(Former Name or Former Address, if Changed Since Last Report)

Item 5. Other Events.

This Current Report on Form 8-K is being filed to file a copy of the Pooling and Servicing Agreement dated as of March 1, 2004, among Greenwich Capital Acceptance, Inc., as depositor, Provident Funding Associates, L.P., as seller and servicer, Deutsche Bank Trust Company, as trustee and custodian and Wells Fargo Bank Minnesota, as master servicer and securities Administrator (the “Pooling and Servicing Agreement”), in connection with the issuance by Provident Funding Mortgage Loan Trust 2004-1 of Provident Funding Mortgage Pass-Through Certificates, Series 2004-1.

Item 7.

Financial Statements, Pro Forma Financial Information and Exhibits.

(q)

Not applicable.

(r)

Not applicable.

(s)

Exhibits:

4.1	Pooling and Servicing Agreement

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

GREENWICH CAPITAL ACCEPTANCE, INC.,

By: /s/ Shakti Radhakishun

Name: Shakti Radhakishun

Title: Vice President

Dated: April 26, 2004

EXHIBIT 4.1

GREENWICH CAPITAL ACC INC PROVIDENT FUND MORT LOAN TR 2004 1 8-K