Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

Article IV of Premier's Amended Articles of Incorporation authorizes the issuance from time to time of one or more series of preferred shares, each without par value. On September 16, 2009, Premier's Board of Directors adopted an amendment to Article IV of Premier's Articles of Incorporation and established the express terms of Premier's Fixed Rate Cumulative Perpetual Preferred Shares, Series A, each without par value, fixed 22,252 shares as the authorized number of shares of the series, and fixed and determined the dividend rate of the shares of the series, the liquidation rights of the shares of the series, the redemption rights in respect of the shares of the series, the voting rights in respect of the shares of the series, and certain other preferences and relative, participating, optional or other special rights, and the qualifications, limitations and restrictions thereof. On September 29, 2009, Premier filed with the Secretary of State of the Commonwealth of Kentucky Articles of Amendment evidencing the amendments to Article IV of Premier's Articles of Incorporation adopted by Premier's Board of Directors. The Articles of Amendment were effective upon filing. A copy of the Articles of Amendment is included as Exhibit 3.1(i) to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

The exhibits to this current report on Form 8-K are listed in the Exhibit Index, which appears at the end of this report and is incorporated by reference herein.

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.
(Registrant)

/s/ Brien M. Chase
Date: October 2, 2009 Brien M. Chase, Senior Vice President
and Chief Financial Officer

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