<ARTICLE>                                            9
<LEGEND>
     Article 9 Ex-27FDS
</LEGEND>
<CIK>                  0000887919
<NAME>                 Premier Financial Bancorp, Inc.
<MULTIPLIER>                      1,000


                             
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
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<TOTAL-ASSETS>                                 792,539
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<INTEREST-EXPENSE>                              16,494
<INTEREST-INCOME-NET>                           13,963
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<EXTRAORDINARY>                                      0
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<EPS-BASIC>                                      .25
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    4.02<F1>
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<ALLOWANCE-FOREIGN>                                  0
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<FN>
<F1>Computed as tax-equivalent basis
<F2>Includes allowance through acquisition
</FN>