BASIS OF PRESENTATION (Tables)

9 Months Ended

Sep. 30, 2013

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, 2013
		Year	Total		Net Income
Subsidiary	Location	Acquired	Assets		Qtr			YTD
Citizens Deposit Bank & Trust	Vanceburg, Kentucky	1991	$	365,813	$	1,301		$	3,660
Premier Bank, Inc.	Huntington, West Virginia	1998		738,392		3,069			7,221
Parent and Intercompany Eliminations				7,657		(444	)		(1,342	)
Consolidated Total			$	1,111,862	$	3,926		$	9,539