<ARTICLE>                                            9
<LEGEND>
     Article 9 Ex-27FDS
</LEGEND>
<CIK>                         0000887919
<NAME>                        Premier Financial Bancorp, Inc.
<MULTIPLIER>                                   1,000


                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Mar-31-2000
<CASH>                                         22,865
<INT-BEARING-DEPOSITS>                          1,435
<FED-FUNDS-SOLD>                               26,813
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   161,873
<INVESTMENTS-CARRYING>                         19,084
<INVESTMENTS-MARKET>                           19,008
<LOANS>                                       574,245
<ALLOWANCE>                                     7,238
<TOTAL-ASSETS>                                862,107
<DEPOSITS>                                    704,212
<SHORT-TERM>                                   32,815
<LIABILITIES-OTHER>                             5,098
<LONG-TERM>                                    68,032
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
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<OTHER-SE>                                     50,847
<TOTAL-LIABILITIES-AND-EQUITY>                862,107
<INTEREST-LOAN>                                13,409
<INTEREST-INVEST>                               2,773
<INTEREST-OTHER>                                  479
<INTEREST-TOTAL>                               16,661
<INTEREST-DEPOSIT>                              7,663
<INTEREST-EXPENSE>                              9,525
<INTEREST-INCOME-NET>                           7,136
<LOAN-LOSSES>                                     865
<SECURITIES-GAINS>                                  1
<EXPENSE-OTHER>                                 6,120
<INCOME-PRETAX>                                 1,137
<INCOME-PRE-EXTRAORDINARY>                        824
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      824
<EPS-BASIC>                                       .16
<EPS-DILUTED>                                     .16
<YIELD-ACTUAL>                                   3.75<F1>
<LOANS-NON>                                     4,675
<LOANS-PAST>                                    1,492
<LOANS-TROUBLED>                                   57
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                6,812
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<RECOVERIES>                                       74
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<ALLOWANCE-DOMESTIC>                            7,238
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,329
<FN>
<F1>Computed as tax-equivalent basis
</FN>