BASIS OF PRESENTATION (Tables)

9 Months Ended

Sep. 30, 2012

BASIS OF PRESENTATION [Abstract]

Accounts of the company and its wholly owned subsidiaries

The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the "Banks"):

					September 30, 2012
		Year	Total		Net Income
Subsidiary	Location	Acquired	Assets		Qtr			YTD
Citizens Deposit Bank & Trust	Vanceburg, Kentucky	1991	$	376,916	$	1,279		$	3,676
Premier Bank, Inc.	Huntington, West Virginia	1998		748,939		1,655			5,201
Parent and Intercompany Eliminations				7,845		(523	)		(1,544	)
Consolidated Total			$	1,133,700	$	2,411		$	7,333