<ARTICLE>                                            9
<LEGEND>
     Article 9 Ex-27FDS

<CIK>                         0000887919
<NAME>                        Premier Financial Bancorp, Inc.
<MULTIPLIER>                                   1,000


                             
<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
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         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
<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

<F1>Computed as tax-equivalent basis