<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
Article 9 Ex-27FDS
</LEGEND>
<CIK> 0000887919
<NAME> Premier Financial Bancorp, Inc.
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-mos
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-START> Jan-01-2000
<PERIOD-END> Mar-31-2000
<CASH> 22,865
<INT-BEARING-DEPOSITS> 1,435
<FED-FUNDS-SOLD> 26,813
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 161,873
<INVESTMENTS-CARRYING> 19,084
<INVESTMENTS-MARKET> 19,008
<LOANS> 574,088
<ALLOWANCE> 7,626
<TOTAL-ASSETS> 861,537
<DEPOSITS> 704,212
<SHORT-TERM> 32,815
<LIABILITIES-OTHER> 4,905
<LONG-TERM> 68,032
0
0
<COMMON> 1,103
<OTHER-SE> 50,470
<TOTAL-LIABILITIES-AND-EQUITY> 861,537
<INTEREST-LOAN> 13,359
<INTEREST-INVEST> 2,773
<INTEREST-OTHER> 479
<INTEREST-TOTAL> 16,611
<INTEREST-DEPOSIT> 7,663
<INTEREST-EXPENSE> 9,525
<INTEREST-INCOME-NET> 7,086
<LOAN-LOSSES> 1,385
<SECURITIES-GAINS> 1
<EXPENSE-OTHER> 6,120
<INCOME-PRETAX> 567
<INCOME-PRE-EXTRAORDINARY> 447
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 447
<EPS-BASIC> .09
<EPS-DILUTED> .09
<YIELD-ACTUAL> 3.73<F1>
<LOANS-NON> 5,413
<LOANS-PAST> 1,132
<LOANS-TROUBLED> 462
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,812
<CHARGE-OFFS> 645
<RECOVERIES> 74
<ALLOWANCE-CLOSE> 7,626
<ALLOWANCE-DOMESTIC> 7,626
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,400
<FN>
<F1>Computed as tax-equivalent basis
</FN>
</TABLE>