Premier Financial Bancorp is a holding company for Citizens Deposit Bank and Trust, Vanceburg, Kentucky, and Premier Bank, Huntington, West Virginia. The Company, through the banks, focuses on providing quality community banking services to individuals and small-to-medium sized businesses. Premier centrally provides services such as accounting, loan review, operations and network support, human resources, compliance and internal auditing to the Banks to enhance their ability to compete effectively; it also provides overall direction in the areas of credit policy and administration, strategic planning, marketing, investment portfolio management, and other financial and administrative services.