Exhibit 99.1



                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

As an accompaniment to the Quarterly Report of Premier Financial Bancorp, Inc.
(the "Company") on Form 10-Q for the period ending June 30, 2002 as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I,
Robert W. Walker, Chief Executive Officer of the Company, certify, pursuant to
18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of
2002, that to the best of my knowledge and belief:

    o    The Report fully complies with the requirements of section 13(a)
         or 15(d) of the Securities Exchange Act of 1934, and

    o    The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Company as of and for the periods presented.

This certification is based on inquiries that I have made, or have caused to be
made, in a good faith effort on my part to be a responsible and competent chief
executive officer serving the Company and its constituencies.

This certification merely accompanies and is not part of the Report, shall not
be deemed filed for purposes of the Securities Exchange Act of 1934, and may not
be used for any purpose other than compliance with 18 U.S.C. ss. 1350, as
adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002.


By:  /s/Robert W. Walker
     ---------------------------------------
     Robert W. Walker
     President and Chief Executive Officer

Date: August 14, 2002