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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001140361-06-016128.txt : 20061113
<SEC-HEADER>0001140361-06-016128.hdr.sgml : 20061113
<ACCEPTANCE-DATETIME>20061113171048
ACCESSION NUMBER:		0001140361-06-016128
CONFORMED SUBMISSION TYPE:	4/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20060215
FILED AS OF DATE:		20061113
DATE AS OF CHANGE:		20061113

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PREMIER FINANCIAL BANCORP INC
		CENTRAL INDEX KEY:			0000887919
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				611206757
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2883 FIFTH AVENUE
		STREET 2:		NONE
		CITY:			HUNTINGTON
		STATE:			WV
		ZIP:			25702
		BUSINESS PHONE:		3045251600

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KLINGENSMITH DENNIS J
		CENTRAL INDEX KEY:			0001228109
		STATE OF INCORPORATION:			WV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20908
		FILM NUMBER:		061209974

	BUSINESS ADDRESS:	
		STREET 1:		C/O PREMIER FINANCIAL BANCORP, INC.
		STREET 2:		2883 5TH AVENUE
		CITY:			HUNTINGTON
		STATE:			WV
		ZIP:			25702
		BUSINESS PHONE:		3045251600

	MAIL ADDRESS:	
		STREET 1:		28 MEADE STREET
		CITY:			BUCKHANNON
		STATE:			WV
		ZIP:			26201
</SEC-HEADER>
<DOCUMENT>
<TYPE>4/A
<SEQUENCE>1
<FILENAME>doc1.xml
<DESCRIPTION>FORM 4/A
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4/A</documentType>

    <periodOfReport>2006-02-15</periodOfReport>

    <dateOfOriginalSubmission>2006-02-16</dateOfOriginalSubmission>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000887919</issuerCik>
        <issuerName>PREMIER FINANCIAL BANCORP INC</issuerName>
        <issuerTradingSymbol>PFBI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001228109</rptOwnerCik>
            <rptOwnerName>KLINGENSMITH DENNIS J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O PREMIER FINANCIAL BANCORP, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>2883 5TH AVENUE</rptOwnerStreet2>
            <rptOwnerCity>HUNTINGTON</rptOwnerCity>
            <rptOwnerState>WV</rptOwnerState>
            <rptOwnerZipCode>25702</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>PFBI Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2258.0952</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By 401(k) Plan</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>PFBIP Premier Trust Preferred Securities</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>222.935</value>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By 401(k) Plan</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Based upon a plan statement dated December 31, 2005, the reporting person owned 2258.0952 shares of PFBI Common Stock under the PFBI 401(k) plan.  This indirect holding was not reflected on Form 4 filed by reporting person on February 16, 2006.</footnote>
        <footnote id="F2">Based upon a plan statement dated December 31, 2005, the reporting person owned 222.935 shares of PFBIP Trust Preferred Securities under the PFBI 401(k) plan.  This indirect holding was not reflected on Form 4 filed by reporting person on February 16, 2006.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Dennis J. Klingensmith</signatureName>
        <signatureDate>2006-11-13</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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