FORM 3
        
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

REYNOLDS DOUGLAS V		 2. Date of Event Requiring Statement (MM/DD/YYYY)
8/19/2020 

 3. Issuer Name and Ticker or Trading Symbol

PREMIER FINANCIAL BANCORP INC [PFBI]
(Last)        (First)        (Middle)

75 WEST THIRD AVENUE		 4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

__X__ Director                          _____ 10% Owner
_____ Officer (give title below)        _____ Other (specify below)
(Street)

HUNTINGTON, WV 25701      

(City)              (State)              (Zip)
5. If Amendment, Date Original Filed(MM/DD/YYYY)
 

6. Individual or Joint/Group Filing(Check Applicable Line)

_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		2. Amount of Securities Beneficially Owned
(Instr. 4)		3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		4. Nature of Indirect Beneficial Ownership
(Instr. 5)
PFBI Common Stock 94528 D  
PFBI Common Stock 62720 I By Marshall T. Reynolds Trust (1)
PFBI Common Stock 3417 I By Minor Child 
PFBI Common Stock 4796 I By Minor Child 
PFBI Common Stock 3417 I By Minor Child 
PFBI Common Stock 3671 I Custodian for Minor Child 
PFBI Common Stock 3671 I Custodian for Minor Child 
PFBI Common Stock 4986 I Custodian for Minor Child 
PFBI Common Stock 5142 I Custodian for Minor Child 
PFBI Common Stock 239105 I By Reynolds Capital Partners LP 

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 4)		2. Date Exercisable and Expiration Date
(MM/DD/YYYY)		3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		4. Conversion or Exercise Price of Derivative Security5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
(1) Reporting person is a Trustee of a Trust of which his children currently have a four/sevenths beneficial ownership.
Reporting Owners
Reporting Owner Name / Address
Relationships
Director10% OwnerOfficerOther
REYNOLDS DOUGLAS V
75 WEST THIRD AVENUE
HUNTINGTON, WV 25701		X
Signatures
Douglas V. Reynolds8/25/2020
**Signature of Reporting PersonDate
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