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Monday, 02/27/2012 3:30:14 AM

Monday, February 27, 2012 3:30:14 AM

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Premier Financial Bancorp, Inc. (Premier) is a multi-bank holding company. The banking subsidiaries (the Banks) consist of Citizens Deposit Bank & Trust, Vanceburg, Kentucky; Farmers Deposit Bank, Eminence, Kentucky; Ohio River Bank, Ironton, Ohio; First Central Bank, Inc., Philippi, West Virginia; Boone County Bank, Inc., Madison, West Virginia; Traders Bank, Inc., Ravenswood, West Virginia; Adams National Bank, Washington, DC, and Consolidated Bank & Trust Company, Richmond, Virginia. The Banks provides a range of retail and commercial banking services, including commercial, real estate, agricultural and consumer lending; depository and funds transfer services; collections; safe deposit boxes; cash management services, and other services for individuals and businesses. On October 1, 2009, Premier completed the acquisition of Abigail Adams National Bancorp, Inc. (Abigail Adams). In April 2011, the Company formed subsidiary Premier Bank, Inc.

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