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SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE

OMB APPROVAL
OMB Number:3235-0006
Expires:Oct 31, 2018
Estimated average burden
hours per response:23.8
Report for the Calendar Year or Quarter Ended:06-30-2017
Check here if Amendment  Amendment Number:
This Amendment (Check only one.):  is a restatement.
  adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name:SUMMIT FINANCIAL GROUP INC
Address:300 NORTH MAIN ST
MOOREFIELD, WV  26836
Form 13F File Number:028-18100

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name:Cynthia Higgins-Atwell
Title:Vice President, Trust Operations
Phone:304-324-3306
Signature, Place, and Date of Signing:
/s/ Cynthia Higgins-AtwellMoorefield,  WV08-01-2017
[Signature][City, State][Date]
Report Type (Check only one.):
X13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
  13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
  13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers:0
Form 13F Information Table Entry Total:164
Form 13F Information Table Value Total:115,446
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE
SEC FORM 13-F Information Table

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL
OMB Number:3235-0006
Expires:Oct 31, 2018
Estimated average burden
hours per response:23.8
COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
INGERSOLL-RAND PLCSHSG477911013924,291SH SOLE 4,29100
MEDTRONIC PLCSHSG5960L1033043,425SH SOLE 3,42500
MEDTRONIC PLCSHSG5960L10318200SH OTR 20000
CHUBB LIMITEDCOMH1467J1043322,283SH SOLE 2,28300
ABB LTDSPONSORED ADR00037520424910,000SH SOLE 10,00000
AT&T INCCOM00206R1022,05154,370SH SOLE 54,37000
AT&T INCCOM00206R1022566,778SH OTR 6,3650413
ABBOTT LABSCOM0028241003918,048SH SOLE 8,04800
ABBOTT LABSCOM00282410010200SH OTR 20000
ABBVIE INCCOM00287Y10987812,102SH SOLE 12,10200
ABBVIE INCCOM00287Y10915200SH OTR 20000
AIR PRODS & CHEMS INCCOM0091581066904,825SH SOLE 4,82500
ALPHABET INCCAP STK CL C02079K107579637SH SOLE 63700
ALPHABET INCCAP STK CL A02079K305680731SH SOLE 73100
ALTRIA GROUP INCCOM02209S1034035,415SH SOLE 5,41500
ALTRIA GROUP INCCOM02209S10341550SH OTR 500050
AMAZON COM INCCOM023135106319330SH SOLE 33000
AMERICAN ELEC PWR INCCOM0255371011,05815,231SH SOLE 15,23100
AMERICAN ELEC PWR INCCOM0255371017100SH OTR 10000
AMGEN INCCOM0311621003191,855SH SOLE 1,85500
AMGEN INCCOM03116210017100SH OTR 10000
APPLE INCCOM0378331001,0507,292SH SOLE 7,29200
APPLE INCCOM03783310035240SH OTR 24000
AUTODESK INCCOM0527691066056,000SH SOLE 6,00000
AUTOMATIC DATA PROCESSING INCOM0530151035755,615SH SOLE 5,61500
AUTOMATIC DATA PROCESSING INCOM05301510310100SH OTR 10000
BP PLCSPONSORED ADR05562210447313,650SH SOLE 13,65000
BP PLCSPONSORED ADR05562210417500SH OTR 50000
BANK AMER CORPCOM06050510431512,975SH SOLE 12,97500
BANK AMER CORPCOM060505104773,159SH OTR 3,0590100
BAXTER INTL INCCOM07181310968111,250SH SOLE 11,25000
BERKSHIRE HATHAWAY INC DELCL B NEW0846707029545,635SH SOLE 5,63500
BERKSHIRE HATHAWAY INC DELCL B NEW08467070221124SH OTR 00124
BLACK HILLS CORPCOM09211310982012,150SH SOLE 12,15000
BLACKROCK INCCOM09247X101253600SH SOLE 60000
BOEING COCOM0970231052351,188SH SOLE 1,18800
BOEING COCOM09702310520100SH OTR 50050
BRISTOL MYERS SQUIBB COCOM1101221081,25222,475SH SOLE 22,47500
BRISTOL MYERS SQUIBB COCOM1101221086100SH OTR 10000
CSX CORPCOM1264081032,37743,567SH SOLE 43,56700
CSX CORPCOM1264081031833,357SH OTR 28803,069
CAPITAL ONE FINL CORPCOM14040H1052533,065SH SOLE 3,06500
CATERPILLAR INC DELCOM1491231013853,583SH SOLE 3,58300
CHEVRON CORP NEWCOM1667641001,17711,278SH SOLE 11,27800
CHEVRON CORP NEWCOM16676410010100SH OTR 10000
CISCO SYS INCCOM17275R10295230,415SH SOLE 30,41500
CISCO SYS INCCOM17275R10220652SH OTR 65200
COCA COLA COCOM1912161002,64759,030SH SOLE 59,03000
COCA COLA COCOM1912161001322,950SH OTR 2,95000
COLGATE PALMOLIVE COCOM19416210398413,279SH SOLE 13,27900
COLGATE PALMOLIVE COCOM1941621032223,000SH OTR 3,00000
COMCAST CORP NEWCL A20030N1013739,588SH SOLE 9,58800
COMCAST CORP NEWCL A20030N101391,014SH OTR 001,014
CONOCOPHILLIPSCOM20825C1042946,691SH SOLE 6,69100
CONOCOPHILLIPSCOM20825C1049200SH OTR 20000
CONSOLIDATED EDISON INCCOM2091151044745,865SH SOLE 5,86500
CROWN CASTLE INTL CORP NEWCOM22822V1011961,955SH SOLE 1,95500
CROWN CASTLE INTL CORP NEWCOM22822V10124237SH OTR 23700
DELTA AIR LINES INC DELCOM NEW2473617022564,756SH SOLE 4,75600
DELTA AIR LINES INC DELCOM NEW24736170221400SH OTR 40000
DISNEY WALT COCOM DISNEY2546871062,78426,200SH SOLE 26,20000
DOMINION ENERGY INCCOM25746U1091,24516,242SH SOLE 16,24200
DOW CHEM COCOM2605431031,02216,207SH SOLE 16,20700
DU PONT E I DE NEMOURS &CO COM2635341092,18427,065SH SOLE 27,06500
DU PONT E I DE NEMOURS &CO COM26353410912150SH OTR 15000
DUKE ENERGY CORP NEWCOM NEW26441C2041,20914,464SH SOLE 14,46400
DUKE ENERGY CORP NEWCOM NEW26441C20418220SH OTR 22000
EDWARDS LIFESCIENCES CORPCOM38176E1087766,560SH SOLE 6,56000
EMERSON ELEC COCOM29101110492115,453SH SOLE 15,45300
EMERSON ELEC COCOM2910111041252,100SH OTR 2,10000
ENBRIDGE INCCOM29250N1053067,698SH SOLE 7,69800
ENBRIDGE INCCOM29250N1058196SH OTR 19600
ENTERPRISE PRODS PARTNERS LCOM29379210729010,696SH SOLE 10,69600
ENTERPRISE PRODS PARTNERS LCOM2937921075200SH OTR 20000
EXELON CORPCOM30161N1012256,236SH SOLE 6,23600
EXELON CORPCOM30161N10115429SH OTR 42900
EXPRESS SCRIPTS HLDG COCOM30219G1082714,251SH SOLE 4,25100
EXXON MOBIL CORPCOM30231G1024,12251,062SH SOLE 51,06200
EXXON MOBIL CORPCOM30231G1025346,616SH OTR 6,528088
FEDERATED INVS INC PACL B31421110328310,000SH SOLE 10,00000
FIRST CMNTY BANCSHARES INC NCOM31983A1033,123114,187SH SOLE 114,18700
FIRST TR EXCHANGE TRADED FDDJ INTERNT IDX33733E3021,08011,395SH SOLE 11,39500
FISERV INCCOM3377381081,32010,789SH SOLE 10,78900
FLEMING CAP MUT FD GROUPJP MORGAN MID L33912810097225,121SH SOLE 25,12100
GENERAL DYNAMICS CORPCOM3695501081,4857,498SH SOLE 7,49800
GENERAL ELECTRIC COCOM3696041031,71763,566SH SOLE 63,56600
GENERAL ELECTRIC COCOM36960410348117,825SH OTR 15,42502,400
GENERAL MLS INCCOM3703341044958,938SH SOLE 8,93800
HERSHEY COCOM4278661089028,400SH SOLE 8,40000
HOME DEPOT INCCOM4370761021,4259,290SH SOLE 9,29000
HOME DEPOT INCCOM43707610275490SH OTR 3900100
HONEYWELL INTL INCCOM4385161069166,875SH SOLE 6,87500
HONEYWELL INTL INCCOM43851610613100SH OTR 10000
INTEL CORPCOM4581401001,35140,038SH SOLE 40,03800
INTEL CORPCOM45814010017500SH OTR 50000
INTERCONTINENTAL EXCHANGE INCOM45866F10470310,660SH SOLE 10,66000
INTERNATIONAL BUSINESS MACHSCOM4592001011,62510,563SH SOLE 10,56300
INTERNATIONAL BUSINESS MACHSCOM4592001016093,960SH OTR 20003,760
ISHARES TRGLOBAL TECH ETF4642872912742,089SH SOLE 2,08900
ISHARES TRNASDAQ BIOTECH4642875561,1043,560SH SOLE 3,56000
ISHARES TRNASDAQ BIOTECH464287556186600SH OTR 60000
ISHARES INCMSCI JPN ETF NEW46434G8222664,950SH SOLE 4,95000
ISHARES TRCORE INTL AGGR46435G6723897,500SH SOLE 7,50000
JPMORGAN CHASE & COCOM46625H1008489,273SH SOLE 9,27300
JOHNSON & JOHNSONCOM4781601046,72850,857SH SOLE 50,85700
JOHNSON & JOHNSONCOM4781601044933,730SH OTR 3,73000
KIMBERLY CLARK CORPCOM4943681036975,400SH SOLE 5,40000
KRAFT HEINZ COCOM5007541064305,019SH SOLE 5,01900
LILLY ELI & COCOM5324571081,40317,050SH SOLE 17,05000
LOWES COS INCCOM5486611072693,470SH SOLE 3,47000
MASTERCARD INCORPORATEDCL A57636Q1044693,865SH SOLE 3,86500
MCDONALDS CORPCOM5801351012681,750SH SOLE 1,75000
MERCK & CO INCCOM58933Y1051,09017,010SH SOLE 17,01000
MICROSOFT CORPCOM5949181042,49236,184SH SOLE 36,14800
MICROSOFT CORPCOM5949181043775,475SH OTR 5,47500
MONDELEZ INTL INCCL A6092071052666,160SH SOLE 6,16000
MONDELEZ INTL INCCL A60920710510234SH OTR 200034
NESTLE S ASPONSORED ADR6410694063784,337SH SOLE 4,33700
NEXTERA ENERGY INCCOM65339F1013122,224SH SOLE 2,22400
NORFOLK SOUTHERN CORPCOM6558441082,44120,056SH SOLE 20,05600
NORFOLK SOUTHERN CORPCOM6558441083092,538SH OTR 91501,623
ORACLE CORPCOM68389X1051,04720,880SH SOLE 20,88000
PEPSICO INCCOM7134481081,65614,336SH SOLE 14,33600
PEPSICO INCCOM71344810840350SH OTR 35000
PFIZER INCCOM7170811031,23336,721SH SOLE 36,72100
PFIZER INCCOM7170811031805,350SH OTR 5,35000
PHILIP MORRIS INTL INCCOM7181721095324,530SH SOLE 4,53000
PHILIP MORRIS INTL INCCOM718172109650SH OTR 0050
PROCTER AND GAMBLE COCOM7427181094,31249,475SH SOLE 49,47500
PROCTER AND GAMBLE COCOM7427181091982,270SH OTR 2,27000
QUALCOMM INCCOM7475251032244,048SH SOLE 4,04800
QUANTA SVCS INCCOM74762E10232910,000SH SOLE 10,00000
RGC RES INCCOM74955L1032,76297,483SH SOLE 97,48300
RAYTHEON COCOM NEW7551115071,0666,600SH SOLE 6,60000
ROYAL DUTCH SHELL PLCSPONS ADR A78025920655910,507SH SOLE 10,50700
ROYAL DUTCH SHELL PLCSPONS ADR A78025920627500SH OTR 50000
SCHLUMBERGER LTDCOM8068571081,23718,787SH SOLE 18,78700
SCHLUMBERGER LTDCOM8068571081322,000SH OTR 2,00000
SCHWAB CAP TRHEDGED EQT SEL80850969937421,919SH SOLE 21,91900
SCHWAB CAP TRHEDGED EQT SEL808509699191,117SH OTR 1,11700
SHIRE PLCSPONSORED ADR82481R1062751,666SH SOLE 1,66600
SIEMENS A GSPONSORED ADR8261975016399,310SH SOLE 9,31000
SOUTHERN COCOM8425871074118,582SH SOLE 8,58200
STANLEY BLACK & DECKER INCCOM8545021019696,886SH SOLE 6,88600
STANLEY BLACK & DECKER INCCOM8545021011431,014SH OTR 1,01400
SUMMIT FINANCIAL GROUP INCCOM86606G1013,163143,779SH SOLE 143,77900
SUMMIT FINANCIAL GROUP INCCOM86606G1012,239101,780SH OTR 100,70201,078
SYSCO CORPCOM8718291072484,930SH SOLE 4,93000
3M COCOM88579Y1015902,836SH SOLE 2,83600
3M COCOM88579Y10121100SH OTR 10000
UNITED PARCEL SERVICE INCCL B9113121062212,000SH SOLE 2,00000
UNITED TECHNOLOGIES CORPCOM9130171091,41711,605SH SOLE 11,60500
UNITED TECHNOLOGIES CORPCOM9130171092502,049SH OTR 2,04900
VERIZON COMMUNICATIONS INCCOM92343V1041,78439,949SH SOLE 39,94900
VERIZON COMMUNICATIONS INCCOM92343V10413286SH OTR 00286
VISA INCCOM CL A92826C8394735,048SH SOLE 5,04800
VODAFONE GROUP PLC NEWSPONSORED ADR92857W3082257,838SH SOLE 7,83800
VODAFONE GROUP PLC NEWSPONSORED ADR92857W308283SH OTR 0083
WASTE MGMT INC DELCOM94106L1091,16615,892SH SOLE 15,89200
WASTE MGMT INC DELCOM94106L1091832,500SH OTR 2,50000
WELLS FARGO CO NEWCOM94974610186115,547SH SOLE 15,54700
WELLTOWER INCCOM95040Q1042743,665SH SOLE 3,66500
WELLTOWER INCCOM95040Q10419250SH OTR 25000
WEYERHAEUSER COCOM9621661043289,785SH SOLE 9,78500