SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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) April 21, 2004
Premier Financial Bancorp, Inc.
(Exact name of registrant as specified in its charter)
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Kentucky 0-20908 61-1206757
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(State or other juris- (Commission File No.) (IRS Employer Identi-
diction of corporation) fication No.)
2883 Fifth Avenue
Huntington, West Virginia 25702
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (304) 525-1600
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Not Applicable
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(Former name or former address, if changes since last report)
INFORMATION TO BE INCLUDED IN THE REPORT
Item 12. Results of Operations and Financial Condition
On April 21, 2004, Premier issued a press release regarding its financial
results for the year ended December 31, 2003. The full text of that press
release is furnished as Exhibit 99.1.
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.
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(Registrant)
/s/ Brien M. Chase
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Date: April 21, 2004 Brien M. Chase, Vice President
and Chief Financial Officer
EXHIBIT INDEX
Exhibit Number Description
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99.1 Press Release dated April 21, 2004,
captioned "Premier Financial Bancorp,
Inc. Announces 2003 Annual Financial
Results"