<ARTICLE>                                            9
<CIK>                         0000887919
<NAME>                        Premier Financial Bancorp, Inc.
<MULTIPLIER>                                   1000

                             
<PERIOD-TYPE>                   12-mos
<FISCAL-YEAR-END>                              Dec-31-1999
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Dec-31-1999
<CASH>                                         28,227
<INT-BEARING-DEPOSITS>                          1,634
<FED-FUNDS-SOLD>                               25,197
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   151,787
<INVESTMENTS-CARRYING>                         18,633
<INVESTMENTS-MARKET>                           18,585
<LOANS>                                       570,106
<ALLOWANCE>                                     6,812
<TOTAL-ASSETS>                                852,468
<DEPOSITS>                                    692,843
<SHORT-TERM>                                   32,507
<LIABILITIES-OTHER>                             4,819
<LONG-TERM>                                    70,172
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,103
<OTHER-SE>                                     51,024
<TOTAL-LIABILITIES-AND-EQUITY>                852,468
<INTEREST-LOAN>                                50,649
<INTEREST-INVEST>                              10,984
<INTEREST-OTHER>                                1,239
<INTEREST-TOTAL>                               62,872
<INTEREST-DEPOSIT>                             27,808
<INTEREST-EXPENSE>                             34,207
<INTEREST-INCOME-NET>                          28,665
<LOAN-LOSSES>                                   3,294
<SECURITIES-GAINS>                                 17
<EXPENSE-OTHER>                                22,630
<INCOME-PRETAX>                                 6,517
<INCOME-PRE-EXTRAORDINARY>                      4,590
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    4,590
<EPS-BASIC>                                       .88
<EPS-DILUTED>                                     .88
<YIELD-ACTUAL>                                   4.04<F1>
<LOANS-NON>                                     4,540
<LOANS-PAST>                                    1,721
<LOANS-TROUBLED>                                  666
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                5,673<F2>
<CHARGE-OFFS>                                   2,556
<RECOVERIES>                                      401
<ALLOWANCE-CLOSE>                               6,812
<ALLOWANCE-DOMESTIC>                            6,812
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
<FN>
<F1>Computed as tax-equivalent basis
<F2>Includes allowance through acquisition
</FN>