UNITED STATES
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) November 3, 2004
Premier Financial Bancorp, Inc.
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(Exact Name of Registrant as Specified in Its Charter)
Kentucky
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(State or Other Jurisdiction of Incorporation)
0-20908 61-1206757
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(Commission File No.) (IRS Employer Identification No.)
2883 Fifth Avenue Huntington, West Virginia 25702
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(Address of principal executive offices) (Zip Code)
(304) 525-1600
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Registrant's telephone number, including area code
Not Applicable
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(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):
|_| Written communication pursant to Rule 425 under the Securities Act
(17 CFR 230.425)
|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
|_| Pre-commencement communications pursant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
INFORMATION TO BE INCLUDED IN THE REPORT
Item 8.01. Other Items
On November 3, 2004, Premier issued a press release regarding the release
of its subsidiary bank, Citizens Deposit Bank and Trust, from a formal Written
Agreement with the Federal Reserve Bank of Cleveland. The agreement was
terminated because Citizens Deposit Bank and Trust has fully satisfied the
provisions of the Written Agreement. The full text of that press release is
furnished as Exhibit 99.1.
Item 9.01. Financial Statements and Exhibits
(c) Exhibit 99.1 - Press Release dated November 3, 2004.
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: November 4, 2004 Brien M. Chase, Vice President
and Chief Financial Officer
EXHIBIT INDEX
Exhibit Number Description
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99.1 Press Release dated November 3, 2004,
captioned "Citizens Deposit Bank &
Trust Released From Written Agreement"