Premier Financial Bancorp 8k for Annual 2005 Earnings Release

8-K 1 pfbi8k021006.htm PREMIER FINANCIAL BANCORP 8K FOR ANNUAL 2005 EARNINGS RELEASE Premier Financial Bancorp 8k for Annual 2005 Earnings Release

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(D) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported) February 10, 2006

PREMIER FINANCIAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Kentucky		61-1206757
(State or other jurisdiction of incorporation organization)		(I.R.S. Employer Identification No.)

2883 Fifth Avenue Huntington, West Virginia		25702
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number (304) 525-1600

Not Applicable

Former name or former address, if changes since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

o Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

(17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

(17 CFR 240.13e-4(c))

PREMIER FINANCIAL BANCORP, INC,

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.02. Results of Operations and Financial Condition

On February 10, 2006, Premier issued a press release regarding its financial results for the quarter and year ended December 31, 2005. The full text of that press release is furnished as Exhibit 99.1.

Item 9.01. Financial Statements and Exhibits

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	PREMIER FINANCIAL BANCORP, INC.
	(Registrant)

Date: February 10, 2006	/s/ Brien M. Chase
	Brien M. Chase, Vice President and Chief Financial Officer

EXHIBIT INDEX

Exhibit Number		Description
99.1		Press Release dated February 10, 2006, captioned “Premier Financial Bancorp, Inc. Announces Annual 2005 Earnings.”