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) May 6, 2005
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 2.02. Results of Operations and Financial Condition
On May 6, 2005, Premier issued a press release regarding its financial
results for the quarter ended March 31, 2005. 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 May 6, 2005.
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: May 6, 2005 Brien M. Chase, Vice President
and Chief Financial Officer
EXHIBIT INDEX
Exhibit Number Description
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99.1 Press Release dated May 6, 2005,
captioned "Premier Financial Bancorp,
Inc. Reports First Quarter 2005
Earnings".