EXHIBIT 99


News Release                                   National Bank and Trust
December 10, 2001                              48 North South Street
                                               Wilmington, Ohio 45177


For Information:   Andrew J. McCreanor, SVP, (937) 283-3005

                National Bank and Trust Completes Purchase
                      of Sabina Bank Business Assets


     Wilmington, Ohio - The National Bank and Trust Company, subsidiary of
NB&T Financial Group, Inc. (NBTF.OB) and The Sabina Bank, subsidiary of
Premier Financial Bancorp, Inc. (PFBI), announced that the two companies
have completed the sale of the business of Sabina Bank to National Bank and
Trust.

     Under the terms of the sale, National Bank and Trust acquired
substantially all of the assets and the deposits of The Sabina Bank including
three banking offices.  National Bank and Trust also adds approximately 10,000
customers in Clinton, Auglaize and Hardin counties in Ohio.  At the time of
the closing, National Bank and Trust had assets of $638 million and Sabina
Bank had assets of $49 million.  With the purchase, National Bank and Trust
operates 22 offices in nine Ohio counties and an insurance subsidiary, NB&T
Insurance Agency, Inc.

     Timothy L. Smith, President and CEO of The National Bank and Trust
Company, stated, "We're glad to have the opportunity to serve new customers.
The current trend in the banking industry shows that customers are using more
financial services from their Bank such as investments, insurance and other
financial services.  We believe this opportunity with The Sabina Bank allows
us to continue growing our business in this direction and to remain
competitive in today's expanding financial services industry."


                                      END