EXHIBIT 10.5 Agreement and Plan of Merger dated May 28, 1997, by and between the registrant and the Sabina Bank AGREEMENT AND PLAN OF MERGER AGREEMENT AND PLAN OF MERGER (this "Agreement"), dated as of May 28, 1997, among PREMIER FINANCIAL BANCORP,...Merger Agreement • June 4th, 1997 • Pfbi Capital Trust • State commercial banks • Ohio
BetweenGuarantee Agreement • May 29th, 1997 • Pfbi Capital Trust • State commercial banks • New York
EXHIBIT 1.1 Form of Underwriting Agreement PFBI CAPITAL TRUST PREMIER FINANCIAL BANCORP, INC. % Preferred Securities (Liquidation Amount $25 per Preferred Security) UNDERWRITING AGREEMENT ----------------------Underwriting Agreement • June 4th, 1997 • Pfbi Capital Trust • State commercial banks • New York
Trust Indenture Trust Agreement Section Section --------------- ---------------Trust Agreement • May 29th, 1997 • Pfbi Capital Trust • State commercial banks • Delaware
Exhibit 4.3 TRUST AGREEMENT This TRUST AGREEMENT, dated as of May 27, 1997 (the "Trust Agreement"), among (i) PREMIER FINANCIAL BANCORP, INC., a Kentucky corporation (the "Depositor"), and (ii) BANKERS TRUST (DELAWARE), a Delaware banking corporation...Trust Agreement • May 29th, 1997 • Pfbi Capital Trust • State commercial banks • Delaware
Exhibit 4.1 JUNIOR SUBORDINATED INDENTUREJunior Subordinated Indenture • May 29th, 1997 • Pfbi Capital Trust • State commercial banks • New York
No. P- CUSIP NO. $ PREMIER FINANCIAL BANCORP, INC., a Kentucky corporation (hereinafter called the "Company", which term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to PFBI...Junior Subordinated Deferrable Interest Debentures • May 29th, 1997 • Pfbi Capital Trust • State commercial banks
PREMIER FINANCIAL BANCORP, INC., a Kentucky corporation (hereinafter called the "Company", which term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to PFBI Capital Trust, or registered assigns, the principal sum of _____________________ Dollars on ___________________, 2027, or such other principal amount represented hereby as may be set forth in the records of the Securities Registrar hereinafter referred to in accordance with the Indenture. The Company further promises to pay interest on said principal from __________ __, 1997, or from the most recent Interest Payment Date to which interest has been paid or duly provided for, quarterly (subject to deferral as set forth herein) in arrears on March 31, June 30, September 30 and December 31 of each year, commencing __________ __, 1997 at the rate of _____% per annum, together with Additional Sums, if any, as provided in Section 10.6 of the Indenture, until the princ
