<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 <CASH> 19,261 <INT-BEARING-DEPOSITS> 4,229 <FED-FUNDS-SOLD> 7,885 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 155,873 <INVESTMENTS-CARRYING> 18,952 <INVESTMENTS-MARKET> 19,185 <LOANS> 532,870 <ALLOWANCE> 5,925 <TOTAL-ASSETS> 792,539 <DEPOSITS> 646,188 <SHORT-TERM> 28,318 <LIABILITIES-OTHER> 4,775 <LONG-TERM> 60,328 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,103 <OTHER-SE> 51,827 <TOTAL-LIABILITIES-AND-EQUITY> 792,539 <INTEREST-LOAN> 24,169 <INTEREST-INVEST> 5,605 <INTEREST-OTHER> 683 <INTEREST-TOTAL> 30,457 <INTEREST-DEPOSIT> 13,457 <INTEREST-EXPENSE> 16,494 <INTEREST-INCOME-NET> 13,963 <LOAN-LOSSES> 1,095 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 11,248 <INCOME-PRETAX> 3,523 <INCOME-PRE-EXTRAORDINARY> 2,529 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,529 <EPS-BASIC> .25 <EPS-DILUTED> .25 <YIELD-ACTUAL> 4.02<F1> <LOANS-NON> 6,241 <LOANS-PAST> 1,469 <LOANS-TROUBLED> 102 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,363 <CHARGE-OFFS> 1,031 <RECOVERIES> 188 <ALLOWANCE-CLOSE> 5,925<F2> <ALLOWANCE-DOMESTIC> 5,925 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 273 <FN> <F1>Computed as tax-equivalent basis <F2>Includes allowance through acquisition </FN>