<ARTICLE>                                            9
<LEGEND>
     Article 9 Ex-27FDS
</LEGEND>
<CIK>                  0000887919
<NAME>                 Premier Financial Bancorp, Inc.
<MULTIPLIER>                                   1000

                             
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Jun-30-2000
<CASH>                                         22,659
<INT-BEARING-DEPOSITS>                            736
<FED-FUNDS-SOLD>                               12,849
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   157,838
<INVESTMENTS-CARRYING>                         18,546
<INVESTMENTS-MARKET>                           18,537
<LOANS>                                       592,235
<ALLOWANCE>                                     8,245
<TOTAL-ASSETS>                                860,354
<DEPOSITS>                                    695,506
<SHORT-TERM>                                   71,482
<LIABILITIES-OTHER>                             5,518
<LONG-TERM>                                    35,899
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        1,103
<OTHER-SE>                                     50,846
<TOTAL-LIABILITIES-AND-EQUITY>                860,354
<INTEREST-LOAN>                                27,181
<INTEREST-INVEST>                               5,722
<INTEREST-OTHER>                                  741
<INTEREST-TOTAL>                               33,644
<INTEREST-DEPOSIT>                             15,432
<INTEREST-EXPENSE>                             19,317
<INTEREST-INCOME-NET>                          14,327
<LOAN-LOSSES>                                   2,890
<SECURITIES-GAINS>                               (280)
<EXPENSE-OTHER>                                12,510
<INCOME-PRETAX>                                   886
<INCOME-PRE-EXTRAORDINARY>                        709
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      709
<EPS-BASIC>                                       .14
<EPS-DILUTED>                                     .14
<YIELD-ACTUAL>                                   3.75<F1>
<LOANS-NON>                                     6,388
<LOANS-PAST>                                    1,391
<LOANS-TROUBLED>                                  455
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                6,812
<CHARGE-OFFS>                                   1,619
<RECOVERIES>                                      162
<ALLOWANCE-CLOSE>                               8,245
<ALLOWANCE-DOMESTIC>                            8,245
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,514
<FN>
<F1>Computed as tax-equivalent basis
</FN>