<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
Article 9 Ex-27 FDS
</LEGEND>
<CIK> 0000887919
<NAME> Premier Financial Bancorp, Inc.
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-mos
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-START> Jan-01-2000
<PERIOD-END> Sep-30-2000
<CASH> 21,659
<INT-BEARING-DEPOSITS> 737
<FED-FUNDS-SOLD> 17,111
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 161,433
<INVESTMENTS-CARRYING> 18,338
<INVESTMENTS-MARKET> 18,462
<LOANS> 601,963
<ALLOWANCE> 8,577
<TOTAL-ASSETS> 876,874
<DEPOSITS> 709,583
<SHORT-TERM> 70,929
<LIABILITIES-OTHER> 5,618
<LONG-TERM> 37,248
0
0
<COMMON> 1,103
<OTHER-SE> 52,393
<TOTAL-LIABILITIES-AND-EQUITY> 876,874
<INTEREST-LOAN> 41,580
<INTEREST-INVEST> 8,585
<INTEREST-OTHER> 1,084
<INTEREST-TOTAL> 51,249
<INTEREST-DEPOSIT> 23,753
<INTEREST-EXPENSE> 29,791
<INTEREST-INCOME-NET> 21,458
<LOAN-LOSSES> 4,015
<SECURITIES-GAINS> (279)
<EXPENSE-OTHER> 19,104
<INCOME-PRETAX> 1,329
<INCOME-PRE-EXTRAORDINARY> 1,080
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,080
<EPS-BASIC> .21
<EPS-DILUTED> .21
<YIELD-ACTUAL> 3.72<F1>
<LOANS-NON> 7,016
<LOANS-PAST> 2,425
<LOANS-TROUBLED> 346
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,812
<CHARGE-OFFS> 2,547
<RECOVERIES> 297
<ALLOWANCE-CLOSE> 8,577
<ALLOWANCE-DOMESTIC> 8,577
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,575
<FN>
<F1>Computed as tax-equivalent basis
</FN>
</TABLE>