<ARTICLE> 9 <CIK> 0000887919 <NAME> Premier Financial Bancorp, Inc. <MULTIPLIER> 1000 <PERIOD-TYPE> 12-mos <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Dec-31-2000 <CASH> 23,339 <INT-BEARING-DEPOSITS> 737 <FED-FUNDS-SOLD> 21,087 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 176,494 <INVESTMENTS-CARRYING> 17,906 <INVESTMENTS-MARKET> 18,249 <LOANS> 595,576 <ALLOWANCE> 7,821 <TOTAL-ASSETS> 889,932 <DEPOSITS> 728,412 <SHORT-TERM> 51,374 <LIABILITIES-OTHER> 5,700 <LONG-TERM> 48,616 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,103 <OTHER-SE> 54,727 <TOTAL-LIABILITIES-AND-EQUITY> 889,932 <INTEREST-LOAN> 56,245 <INTEREST-INVEST> 11,524 <INTEREST-OTHER> 1,465 <INTEREST-TOTAL> 69,234 <INTEREST-DEPOSIT> 32,503 <INTEREST-EXPENSE> 40,558 <INTEREST-INCOME-NET> 28,676 <LOAN-LOSSES> 4,932 <SECURITIES-GAINS> (279) <EXPENSE-OTHER> 26,105 <INCOME-PRETAX> 1,651 <INCOME-PRE-EXTRAORDINARY> 1,335 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,335 <EPS-BASIC> .26 <EPS-DILUTED> .26 <YIELD-ACTUAL> 3.68 <F1> <LOANS-NON> 7,840 <LOANS-PAST> 2,196 <LOANS-TROUBLED> 689 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,812 <CHARGE-OFFS> 4,382 <RECOVERIES> 459 <ALLOWANCE-CLOSE> 7,821 <ALLOWANCE-DOMESTIC> 7,821 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>Computed as tax-equivalent basis </FN>