EXHIBIT 23 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in Registration Statement No. 333-97327 on Form S-8 of Premier Financial Bancorp, Inc. of our report dated March 23, 2005 appearing in this Annual Report on Form 10-K of Premier Financial Bancorp, Inc. for the year ended December 31, 2004. /s/ Crowe Chizek and Company LLC Crowe Chizek and Company LLC Columbus, Ohio March 29, 2005