Premier Financial Bancorp, Inc., a multi-bank holding company, provides community banking services to individuals and small-to-medium sized businesses. Its deposit product line includes checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, club accounts, individual retirement accounts, certificates of deposit, and overdraft protection. The company’s loan product portfolio comprises loans for purchasing personal residences or loans for commercial or consumer purposes secured by residential mortgages; residential mortgage loans; automobile and personal loans, including unsecured lines of credit; commercial loans secured by business assets, such as real estate, equipment, inventory, and accounts receivable; unsecured commercial loans; commercial real estate development loans; financial and agricultural loans; and real estate construction loans. It also offers depository and funds transfer services; collections; safe deposit boxes; cash management services; automated teller machines; and bill payment, telephone banking, and Internet banking services. As of March 15, 2011, Premier Financial Bancorp operated 8 banking offices in Kentucky, 5 banking offices in Ohio, 14 banking offices in West Virginia, 1 banking office in Maryland, 2 banking offices in Virginia, and 5 banking offices in Washington, District of Columbia. The company was founded in 1991 and is headquartered in Huntington, West Virginia.

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