SEC Filing | Summit Financial Group, Inc.

View:

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:

09-30-2017

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-Atwell		Moorefield, WV	10-10-2017
[Signature]		[City, State]	[Date]

Report Type (Check only one.):
X	13F 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:	176
	Form 13F Information Table Value Total:	120,155
		(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

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 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
INGERSOLL-RAND PLC	SHS	G47791101	383	4,291	SH		SOLE		4,291	0	0
MEDTRONIC PLC	SHS	G5960L103	295	3,789	SH		SOLE		3,789	0	0
MEDTRONIC PLC	SHS	G5960L103	16	200	SH		OTR		200	0	0
CHUBB LIMITED	COM	H1467J104	325	2,283	SH		SOLE		2,283	0	0
ABB LTD	SPONSORED ADR	000375204	248	10,000	SH		SOLE		10,000	0	0
AT&T INC	COM	00206R102	2,154	54,999	SH		SOLE		54,999	0	0
AT&T INC	COM	00206R102	265	6,778	SH		OTR		6,365	0	413
ABBOTT LABS	COM	002824100	400	7,498	SH		SOLE		7,498	0	0
ABBOTT LABS	COM	002824100	11	200	SH		OTR		200	0	0
ABBVIE INC	COM	00287Y109	1,040	11,708	SH		SOLE		11,708	0	0
ABBVIE INC	COM	00287Y109	18	200	SH		OTR		200	0	0
ADOBE SYS INC	COM	00724F101	201	1,350	SH		SOLE		1,350	0	0
AIR PRODS & CHEMS INC	COM	009158106	730	4,825	SH		SOLE		4,825	0	0
ALPHABET INC	CAP STK CL C	02079K107	690	719	SH		SOLE		719	0	0
ALPHABET INC	CAP STK CL A	02079K305	792	813	SH		SOLE		813	0	0
ALTRIA GROUP INC	COM	02209S103	343	5,415	SH		SOLE		5,415	0	0
ALTRIA GROUP INC	COM	02209S103	35	550	SH		OTR		500	0	50
AMAZON COM INC	COM	023135106	317	330	SH		SOLE		330	0	0
AMERICAN ELEC PWR INC	COM	025537101	1,042	14,831	SH		SOLE		14,831	0	0
AMERICAN ELEC PWR INC	COM	025537101	7	100	SH		OTR		100	0	0
AMGEN INC	COM	031162100	253	1,355	SH		SOLE		1,355	0	0
AMGEN INC	COM	031162100	19	100	SH		OTR		100	0	0
APPLE INC	COM	037833100	1,368	8,876	SH		SOLE		8,876	0	0
APPLE INC	COM	037833100	37	240	SH		OTR		240	0	0
AUTODESK INC	COM	052769106	674	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	606	5,540	SH		SOLE		5,540	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	11	100	SH		OTR		100	0	0
BP PLC	SPONSORED ADR	055622104	502	13,050	SH		SOLE		13,050	0	0
BP PLC	SPONSORED ADR	055622104	19	500	SH		OTR		500	0	0
BANK AMER CORP	COM	060505104	329	12,975	SH		SOLE		12,975	0	0
BANK AMER CORP	COM	060505104	80	3,159	SH		OTR		3,059	0	100
BAXTER INTL INC	COM	071813109	706	11,250	SH		SOLE		11,250	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	549	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,189	6,485	SH		SOLE		6,485	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	23	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	830	12,050	SH		SOLE		12,050	0	0
BLACKROCK INC	COM	09247X101	537	1,200	SH		SOLE		1,200	0	0
BOEING CO	COM	097023105	383	1,508	SH		SOLE		1,508	0	0
BOEING CO	COM	097023105	25	100	SH		OTR		50	0	50
BRISTOL MYERS SQUIBB CO	COM	110122108	1,413	22,175	SH		SOLE		22,175	0	0
BRISTOL MYERS SQUIBB CO	COM	110122108	6	100	SH		OTR		100	0	0
CME GROUP INC	COM CL A	12572Q105	302	2,225	SH		SOLE		2,225	0	0
CSX CORP	COM	126408103	2,348	43,267	SH		SOLE		43,267	0	0
CSX CORP	COM	126408103	182	3,357	SH		OTR		288	0	3,069
CAPITAL ONE FINL CORP	COM	14040H105	259	3,065	SH		SOLE		3,065	0	0
CATERPILLAR INC DEL	COM	149123101	447	3,583	SH		SOLE		3,583	0	0
CHEVRON CORP NEW	COM	166764100	1,298	11,048	SH		SOLE		11,048	0	0
CHEVRON CORP NEW	COM	166764100	12	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	984	29,257	SH		SOLE		29,257	0	0
CISCO SYS INC	COM	17275R102	22	652	SH		OTR		652	0	0
COCA COLA CO	COM	191216100	2,712	60,247	SH		SOLE		60,247	0	0
COCA COLA CO	COM	191216100	133	2,950	SH		OTR		2,950	0	0
COLGATE PALMOLIVE CO	COM	194162103	933	12,805	SH		SOLE		12,805	0	0
COLGATE PALMOLIVE CO	COM	319416210	219	3,000	SH		OTR		3,000	0	0
COMCAST CORP NEW	CL A	20030N101	292	7,588	SH		SOLE		7,588	0	0
COMCAST CORP NEW	CL A	20030N101	39	1,014	SH		OTR		0	0	1,014
CONOCOPHILLIPS	COM	20825C104	335	6,691	SH		SOLE		6,691	0	0
CONOCOPHILLIPS	COM	20825C104	10	200	SH		OTR		200	0	0
CONSOLIDATED EDISON INC	COM	209115104	473	5,865	SH		SOLE		5,865	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	195	1,955	SH		SOLE		1,955	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	24	237	SH		OTR		237	0	0
CUMMINS INC	COM	231021106	233	1,389	SH		SOLE		1,389	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	214	4,446	SH		SOLE		4,446	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	19	400	SH		OTR		400	0	0
DISNEY WALT CO	COM DISNEY	254687106	2,557	25,940	SH		SOLE		25,940	0	0
DOMINION ENERGY INC	COM	25746U109	1,299	16,890	SH		SOLE		16,890	0	0
DOMINION ENERGY INC	COM	25746U109	14	187	SH		OTR		187	0	0
DOWDUPONT INC	COM	26078J100	3,495	50,482	SH		SOLE		50,482	0	0
DOWDUPONT INC	COM	26078J100	13	192	SH		OTR		192	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,248	14,876	SH		SOLE		14,876	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	18	220	SH		OTR		220	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	717	6,560	SH		SOLE		6,560	0	0
EMERSON ELEC CO	COM	291011104	967	15,394	SH		SOLE		15,394	0	0
EMERSON ELEC CO	COM	291011104	132	2,100	SH		OTR		2,100	0	0
ENBRIDGE INC	COM	29250N105	322	7,698	SH		SOLE		7,698	0	0
ENBRIDGE INC	COM	29250N105	2	49	SH		OTR		49	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	279	10,696	SH		SOLE		10,696	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	13	500	SH		OTR		500	0	0
EXELON CORP	COM	30161N101	217	5,757	SH		SOLE		5,757	0	0
EXELON CORP	COM	30161N101	11	286	SH		OTR		286	0	0
EXPRESS SCRIPTS HLDG CO	COM	30219G108	270	4,271	SH		SOLE		4,271	0	0
EXXON MOBIL CORP	COM	30231G102	4,200	51,238	SH		SOLE		51,238	0	0
EXXON MOBIL CORP	COM	30231G102	542	6,616	SH		OTR		6,528	0	88
FEDERATED INVS INC PA	CL B	314211103	297	10,000	SH		SOLE		10,000	0	0
FIRST CMNTY BANCSHARES INC N	COM	31983A103	3,324	114,175	SH		SOLE		114,175	0	0
FIRST TR EXCHANGE TRADED FD	DJ INTERNT IDX	33733E302	939	9,170	SH		SOLE		9,170	0	0
FISERV INC	COM	337738108	1,275	9,889	SH		SOLE		9,889	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	778	19,670	SH		SOLE		19,670	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	4	101	SH		OTR		101	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,546	7,520	SH		SOLE		7,520	0	0
GENERAL ELECTRIC CO	COM	369604103	1,182	48,871	SH		SOLE		48,871	0	0
GENERAL ELECTRIC CO	COM	369604103	431	17,825	SH		OTR		15,425	0	2,400
GENERAL MLS INC	COM	370334104	463	8,938	SH		SOLE		8,938	0	0
HERSHEY CO	COM	427866108	767	7,025	SH		SOLE		7,025	0	0
HOME DEPOT INC	COM	437076102	1,495	9,140	SH		SOLE		9,140	0	0
HOME DEPOT INC	COM	437076102	80	490	SH		OTR		390	0	100
HONEYWELL INTL INC	COM	438516106	982	6,925	SH		SOLE		6,925	0	0
HONEYWELL INTL INC	COM	438516106	14	100	SH		OTR		100	0	0
INTEL CORP	COM	458140100	1,521	39,938	SH		SOLE		39,938	0	0
INTEL CORP	COM	458140100	19	500	SH		OTR		500	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	896	13,035	SH		SOLE		13,035	0	0
INTERNATIONAL BUSINESS MA	CHS COM	459200101	1,421	9,796	SH		SOLE		9,796	0	0
INTERNATIONAL BUSINESS MA	CHS COM	459200101	575	3,960	SH		OTR		200	0	3,760
ISHARES TR	GLOBAL TECH EFT	464287291	297	2,089	SH		SOLE		2,089	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	1,184	3,550	SH		SOLE		3,550	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	200	600	SH		OTR		600	0	0
ISHARES INC	MSCI JPN EFT NEW	46434G822	276	4,950	SH		SOLE		4,950	0	0
ISHARES TR	CORE INTL AGGR	46435G672	388	7,500	SH		SOLE		7,500	0	0
JPMORGAN CHASE & CO	COM	46625H100	872	9,133	SH		SOLE		9,133	0	0
JOHNSON & JOHNSON	COM	478160104	6,683	51,405	SH		SOLE		51,405	0	0
JOHNSON & JOHNSON	COM	478160104	478	3,680	SH		OTR		3,680	0	0
KIMBERLY CLARK CORP	COM	494368103	624	5,300	SH		SOLE		5,300	0	0
KRAFT HEINZ CO	COM	500754106	428	5,519	SH		SOLE		5,519	0	0
L3 TECHNOLOGIES INC	COM	502413107	207	1,100	SH		SOLE		1,100	0	0
LILLY ELI & CO	COM	532457108	1,454	17,000	SH		SOLE		17,000	0	0
LOWES COS INC	COM	548661107	248	3,107	SH		SOLE		3,107	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	771	5,460	SH		SOLE		5,460	0	0
MCDONALDS CORP	COM	580135101	283	1,804	SH		SOLE		1,804	0	0
MERCK & CO INC	COM	58933Y105	1,147	17,910	SH		SOLE		17,910	0	0
MICROSOFT CORP	COM	594918104	2,714	36,428	SH		SOLE		36,428	0	0
MICROSOFT CORP	COM	594918104	415	5,575	SH		OTR		5,575	0	0
MONDELEZ INTL INC	CL A	609207105	243	5,985	SH		SOLE		5,985	0	0
MONDELEZ INTL INC	CL A	609207105	10	234	SH		OTR		200	0	34
NESTLE S A	SPONSORED ADR	641069406	347	4,137	SH		SOLE		4,137	0	0
NEXTERA ENERGY INC	COM	65339F101	303	2,070	SH		SOLE		2,070	0	0
NORFOLK SOUTHERN CORP	COM	655844108	2,548	19,271	SH		SOLE		19,271	0	0
NORFOLK SOUTHERN CORP	COM	655844108	349	2,638	SH		OTR		1,015	0	1,623
ORACLE CORP	COM	68389X105	1,010	20,880	SH		SOLE		20,880	0	0
PEPSICO INC	COM	713448108	1,691	15,172	SH		SOLE		15,172	0	0
PEPSICO INC	COM	713448108	39	350	SH		OTR		350	0	0
PFIZER INC	COM	717081103	1,381	38,670	SH		SOLE		38,670	0	0
PFIZER INC	COM	717081103	191	5,350	SH		OTR		5,350	0	0
PHILIP MORRIS INTL INC	COM	718172109	503	4,530	SH		SOLE		4,530	0	0
PHILIP MORRIS INTL INC	COM	718172109	6	50	SH		OTR		0	0	50
PHILLIPS 66	COM	718546104	212	2,313	SH		SOLE		2,313	0	0
PHILLIPS 66	COM	718546104	18	200	SH		OTR		200	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,527	49,761	SH		SOLE		49,761	0	0
PROCTER AND GAMBLE CO	COM	742718109	207	2,270	SH		OTR		2,270	0	0
QUALCOMM INC	COM	747525103	218	4,207	SH		SOLE		4,207	0	0
QUANTA SVCS INC	COM	74762E102	374	10,000	SH		SOLE		10,000	0	0
RGC RES INC	COM	74955L103	2,785	97,483	SH		SOLE		97,483	0	0
RAYTHEON CO	COM NEW	755111507	1,165	6,246	SH		SOLE		6,246	0	0
REALTY INCOME CORP	COM	756109104	114	2,000	SH		SOLE		2,000	0	0
REALTY INCOME CORP	COM	756109104	86	1,500	SH		OTR		1,500	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	624	10,307	SH		SOLE		10,307	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	30	500	SH		OTR		500	0	0
SALESFORCE COM INC	COM	79466L302	365	3,908	SH		SOLE		3,908	0	0
SCHLUMBERGER LTD	COM	806857108	1,311	18,787	SH		SOLE		18,787	0	0
SCHLUMBERGER LTD	COM	806857108	126	1,800	SH		OTR		1,800	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	413	23,279	SH		SOLE		23,279	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	20	1,117	SH		OTR		1,117	0	0
SHIRE PLC	SPONSORED ADR	82481R106	255	1,666	SH		SOLE		1,666	0	0
SIEMENS A G	SPONSORED ADR	826197501	656	9,310	SH		SOLE		9,310	0	0
SOUTHERN CO	COM	842587107	456	9,286	SH		SOLE		9,286	0	0
STANLEY BLACK & DECKER INC	COM	854502101	1,032	6,836	SH		SOLE		6,836	0	0
STANLEY BLACK & DECKER INC	COM	854502101	153	1,014	SH		OTR		1,014	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	3,372	131,399	SH		SOLE		131,399	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	797	31,078	SH		OTR		30,000	0	1,078
SYSCO CORP	COM	871829107	250	4,630	SH		SOLE		4,630	0	0
3M CO	COM	88579Y101	673	3,206	SH		SOLE		3,206	0	0
3M CO	COM	88579Y101	21	100	SH		OTR		100	0	0
UNILEVER N V	N Y SHS NEW	904784709	210	3,550	SH		SOLE		3,550	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	249	2,075	SH		SOLE		2,075	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	1,347	11,605	SH		SOLE		11,605	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	238	2,049	SH		OTR		2,049	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,956	39,520	SH		SOLE		39,520	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	14	286	SH		OTR		0	0	286
VISA INC	COM CL A	92826C839	658	6,248	SH		SOLE		6,248	0	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	217	7,621	SH		SOLE		7,621	0	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	2	83	SH		OTR		0	0	83
WASTE MGMT INC DEL	COM	94106L109	1,220	15,592	SH		SOLE		15,592	0	0
WASTE MGMT INC DEL	COM	94106L109	196	2,500	SH		OTR		2,500	0	0
WELLS FARGO CO NEW	COM	949746101	845	15,317	SH		SOLE		15,317	0	0
WELLTOWER INC	COM	95040Q104	238	3,390	SH		SOLE		3,390	0	0
WELLTOWER INC	COM	95040Q104	18	250	SH		OTR		250	0	0
WEYERHAEUSER CO	COM	962166104	316	9,278	SH		SOLE		9,278	0	0