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) March 31, 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 5. Other Events and Regulation FD Disclosure
On March 31, 2004, Premier Financial Bancorp, Inc. issued a press release
announcing that it filed a notice with the Securities and Exchange Commission
on Form 12b-25 to extend the period in which it intends to file its Annual
Report on Form 10-K. A copy of the press release is filed as an exhibit to this
Form 8-K and incorporated herein by reference.
Item 7. Financial Statements and Exhibits
(c) Exhibits
99.1 -- Press Release dated March 31, 2004
Item 12. Results of Operations and Financial Condition
The following information is furnished pursuant to Item 12, "Results of
Operations and Financial Condition." A copy of the press release issued
March 31, 2004, is attached hereto as Exhibit 99.1 and is furnished under this
Item 12.
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: March 31, 2004 Brien M. Chase, Vice President
and Chief Financial Officer
EXHIBIT INDEX
Exhibit Number Description
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99.1 Press Release dated March 31, 2004,
captioned "Premier Financial Bancorp,
Inc. Files Notice For Extension
To File Annual Report on Form 10-K
With SEC".