Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0104
Expires: January 31, 2005
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
  Mineer Michael Ray
 2. Date of Event Requiring Statement (Month/Day/Year)
04/01/2013		 3. Issuer Name and Ticker or Trading Symbol
PREMIER FINANCIAL BANCORP INC [PFBI]
(Last)
(First)
(Middle)
10 SECOND STREET		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Senior Vice President
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

VANCEBURG, KY 41179		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
PFBI Common 17,175 (1)
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (Right to Buy)   (2) 03/20/2023 PFBI Common 5,000 $ 11.93 D  
Employee Stock Option (Right to Buy)   (3) 03/21/2022 PFBI Common 8,000 $ 7.47 D  
Employee Stock Option (Right to Buy)   (4) 03/16/2021 PFBI Common 8,000 $ 6.95 D  
Employee Stock Option (Right to Buy)   (5) 03/17/2020 PFBI Common 3,000 $ 8.9 D  
Employee Stock Option (Right to Buy)   (6) 02/18/2019 PFBI Common 2,700 $ 6.55 D  
Employee Stock Option (Right to Buy)   (7) 02/20/2018 PFBI Common 2,700 $ 12.92 D  
Employee Stock Option (Right to Buy)   (8) 01/17/2017 PFBI Common 2,500 $ 14.22 D  
Employee Stock Option (Right to Buy)   (9) 02/15/2016 PFBI Common 2,500 $ 16 D  
Employee Stock Option (Right to Buy)   (10) 01/19/2015 PFBI Common 2,500 $ 11.62 D  
Employee Stock Option (Right to Buy)   (11) 02/18/2014 PFBI Common 1,000 $ 9.3 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Mineer Michael Ray
10 SECOND STREET
VANCEBURG, KY 41179		       Senior Vice President  

Signatures

/s/ Michael R. Mineer 04/05/2013
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Includes 2,000 shares jointly held with spouse.
(2) Options vest in three equal annual installments beginning on 03/20/2014.
(3) Options vest in three equal annual installments beginning on 03/21/2013.
(4) Options vest in three equal annual installments beginning on 03/16/2012.
(5) Options vested over three-year period from 3/17/2010 grant date and were fully vested on 3/17/2013.
(6) Options vested over three-year period from 2/18/2009 grant date and were fully vested on 2/18/2012.
(7) Options vested over three-year period from 2/20/2008 grant date and were fully vested on 2/20/2011.
(8) Options vested over three-year period from 01/17/2007 grant date and were fully vested on 1/17/2010.
(9) Options vested over three-year period from 02/15/2006 grant date and were fully vested on 02/15/2009.
(10) Options vested over three-year period from 01/19/2005 grant date and were fully vested on 01/19/2008.
(11) Options vested over three-year period from 02/18/2004 grant date and were fully vested on 02/18/2007.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.