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 10, 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
On March 10, 2004, Premier Financial Bancorp, Inc. (Premier) issued a
news release announcing that it was deferring the quarterly payment on its Trust
Preferred Securities scheduled for March 31, 2004. The full text of that
press release is furnished as Exhibit 99.1.
Premier exercised its right to defer the payment of interest on its 9.75%
Junior Subordinated Deferrable Interest Debentures related to the Trust
Preferred Securities, for an indefinite period (which can be no longer than
20 consecutive quarterly periods) following the denial by the Federal Reserve
Bank of Cleveland to pay the fourth quarter distribution scheduled for
December 31, 2002.
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 10, 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 10, 2004,
captioned "Premier Financial Bancorp,
Inc. Continues to Defer Distributions
of Trust Preferred Securities".