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


                             
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
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<FED-FUNDS-SOLD>                                15,217
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                      6,841
<TOTAL-ASSETS>                                 823,619
<DEPOSITS>                                     666,801
<SHORT-TERM>                                    27,311
<LIABILITIES-OTHER>                              5,548
<LONG-TERM>                                     71,300
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<PREFERRED>                                          0
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<INTEREST-LOAN>                                 37,215
<INTEREST-INVEST>                                8,248
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<INTEREST-TOTAL>                                46,393
<INTEREST-DEPOSIT>                              20,434
<INTEREST-EXPENSE>                              25,035
<INTEREST-INCOME-NET>                           21,358
<LOAN-LOSSES>                                    2,743
<SECURITIES-GAINS>                                   7
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<INCOME-PRE-EXTRAORDINARY>                       3,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,300
<EPS-BASIC>                                      .63
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    4.07<F1>
<LOANS-NON>                                      5,583
<LOANS-PAST>                                     1,289
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<ALLOWANCE-FOREIGN>                                  0
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<FN>
<F1>Computed as tax-equivalent basis
<F2>Includes allowance through acquisition
</FN>