X0306 4 2018-10-12 0 0000887919 PREMIER FINANCIAL BANCORP INC PFBI 0001234940 CLINE PHILIP E P.O. BOX 119 HUNTINGTON WV 25706-0119 1 0 0 0 PFBI Common Stock 2018-10-12 4 J 1 9058 A 95308 D On October 12, 2018, Premier Financial Bancorp, Inc. (PFBI) acquired First Bank of Charleston, Inc. ("First Bank") by issuing 1.199 shares of PFBI for each share of First Bank. The reporting person owned First Bank shares that were converted to 9,058 shares of PFBI. On June 8, 2018, Premier Financial Bancorp, Inc. issued a 5 for 4 stock split (1 share for every 4 shares owned on record date) to shareholders of record on June 4, 2018. Reporting person's last reported ownership of PFBI Common Stock has been increased by 17,250 shares to reflect the 5 for 4 stock split. /s/ Phillip E. Cline 2018-10-16