<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> 574,088 <ALLOWANCE> 7,626 <TOTAL-ASSETS> 861,537 <DEPOSITS> 704,212 <SHORT-TERM> 32,815 <LIABILITIES-OTHER> 4,905 <LONG-TERM> 68,032 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,103 <OTHER-SE> 50,470 <TOTAL-LIABILITIES-AND-EQUITY> 861,537 <INTEREST-LOAN> 13,359 <INTEREST-INVEST> 2,773 <INTEREST-OTHER> 479 <INTEREST-TOTAL> 16,611 <INTEREST-DEPOSIT> 7,663 <INTEREST-EXPENSE> 9,525 <INTEREST-INCOME-NET> 7,086 <LOAN-LOSSES> 1,385 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 6,120 <INCOME-PRETAX> 567 <INCOME-PRE-EXTRAORDINARY> 447 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 447 <EPS-BASIC> .09 <EPS-DILUTED> .09 <YIELD-ACTUAL> 3.73<F1> <LOANS-NON> 5,413 <LOANS-PAST> 1,132 <LOANS-TROUBLED> 462 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,812 <CHARGE-OFFS> 645 <RECOVERIES> 74 <ALLOWANCE-CLOSE> 7,626 <ALLOWANCE-DOMESTIC> 7,626 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,400 <FN> <F1>Computed as tax-equivalent basis </FN>