SEC Filing | Summit Financial Group, Inc.

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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:

12-31-2017

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	01-03-2018
[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:	175
	Form 13F Information Table Value Total:	122,262
		(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
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	227	1,480	SH		SOLE		1,480	0	0
INGERSOLL-RAND PLC	SHS	G47791101	383	4,291	SH		SOLE		4,291	0	0
MEDTRONIC PLC	SHS	G5960L103	193	2,389	SH		SOLE		2,389	0	0
MEDTRONIC PLC	SHS	G5960L103	16	200	SH		OTR		200	0	0
CHUBB LIMITED	COM	H1467J104	334	2,283	SH		SOLE		2,283	0	0
ABB LTD	SPONSORED ADR	000375204	268	10,000	SH		SOLE		10,000	0	0
AT&T INC	COM	00206R102	2,057	52,915	SH		SOLE		52,915	0	0
AT&T INC	COM	00206R102	264	6,778	SH		OTR		6,365	0	413
ABBOTT LABS	COM	002824100	428	7,498	SH		SOLE		7,498	0	0
ABBOTT LABS	COM	002824100	11	200	SH		OTR		200	0	0
ABBVIE INC	COM	00287Y109	1,132	11,708	SH		SOLE		11,708	0	0
ABBVIE INC	COM	00287Y109	19	200	SH		OTR		200	0	0
ADOBE SYS INC	COM	00724F101	235	1,340	SH		SOLE		1,340	0	0
AIR PRODS & CHEMS INC	COM	009158106	796	4,850	SH		SOLE		4,850	0	0
ALPHABET INC	CAP STK CL C	02079K107	759	725	SH		SOLE		725	0	0
ALPHABET INC	CAP STK CL A	02079K305	856	813	SH		SOLE		813	0	0
ALTRIA GROUP INC	COM	02209S103	328	4,591	SH		SOLE		4,591	0	0
ALTRIA GROUP INC	COM	02209S103	39	550	SH		OTR		500	0	50
AMAZON COM INC	COM	023135106	373	319	SH		SOLE		319	0	0
AMERICAN ELEC PWR INC	COM	025537101	1,118	15,196	SH		SOLE		15,196	0	0
AMERICAN ELEC PWR INC	COM	025537101	7	100	SH		OTR		100	0	0
AMGEN INC	COM	031162100	210	1,205	SH		SOLE		1,205	0	0
AMGEN INC	COM	031162100	17	100	SH		OTR		100	0	0
APPLE INC	COM	037833100	1,529	9,037	SH		SOLE		9,037	0	0
APPLE INC	COM	037833100	41	240	SH		OTR		240	0	0
AUTODESK INC	COM	052769106	629	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	649	5,540	SH		SOLE		5,540	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	12	100	SH		OTR		100	0	0
BP PLC	SPONSORED ADR	055622104	541	12,868	SH		SOLE		12,868	0	0
BP PLC	SPONSORED ADR	055622104	21	500	SH		OTR		500	0	0
BANK AMER CORP	COM	060505104	351	11,902	SH		SOLE		11,902	0	0
BANK AMER CORP	COM	060505104	93	3,159	SH		OTR		3,059	0	100
BAXTER INTL INC	COM	071813109	727	11,250	SH		SOLE		11,250	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	595	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,108	5,590	SH		SOLE		5,590	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	25	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	724	12,050	SH		SOLE		12,050	0	0
BLACKROCK INC	COM	09247X101	591	1,150	SH		SOLE		1,150	0	0
BOEING CO	COM	097023105	445	1,508	SH		SOLE		1,508	0	0
BOEING CO	COM	097023105	29	100	SH		OTR		50	0	50
BRISTOL MYERS SQUIBB CO	COM	110122108	1,354	22,092	SH		SOLE		22,092	0	0
BRISTOL MYERS SQUIBB CO	COM	110122108	6	100	SH		OTR		100	0	0
CME GROUP INC	COM CL A	12572Q105	299	2,050	SH		SOLE		2,050	0	0
CSX CORP	COM	126408103	2,342	42,567	SH		SOLE		42,567	0	0
CSX CORP	COM	126408103	185	3,357	SH		OTR		288	0	3,069
CAPITAL ONE FINL CORP	COM	14040H105	305	3,065	SH		SOLE		3,065	0	0
CATERPILLAR INC DEL	COM	149123101	565	3,583	SH		SOLE		3,583	0	0
CHEVRON CORP NEW	COM	166764100	1,358	10,847	SH		SOLE		10,847	0	0
CHEVRON CORP NEW	COM	166764100	13	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,107	28,907	SH		SOLE		28,907	0	0
CISCO SYS INC	COM	17275R102	33	852	SH		OTR		852	0	0
COCA COLA CO	COM	191216100	2,578	56,190	SH		SOLE		56,190	0	0
COCA COLA CO	COM	191216100	135	2,950	SH		OTR		2,950	0	0
COLGATE PALMOLIVE CO	COM	194162103	963	12,755	SH		SOLE		12,755	0	0
COLGATE PALMOLIVE CO	COM	194162103	226	3,000	SH		OTR		3,000	0	0
COMCAST CORP NEW	CL A	20030N101	305	7,618	SH		SOLE		7,618	0	0
COMCAST CORP NEW	CL A	20030N101	41	1,014	SH		OTR		0	0	1,014
CONOCOPHILLIPS	COM	20825C104	334	6,091	SH		SOLE		6,091	0	0
CONOCOPHILLIPS	COM	20825C104	11	200	SH		OTR		200	0	0
CONSOLIDATED EDISON INC	COM	209115104	476	5,600	SH		SOLE		5,600	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	197	1,778	SH		SOLE		1,778	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	26	237	SH		OTR		237	0	0
CUMMINS INC	COM	231021106	230	1,300	SH		SOLE		1,300	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	227	4,046	SH		SOLE		4,046	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	22	400	SH		OTR		400	0	0
DISNEY WALT CO	COM DISNEY	254687106	2,369	22,034	SH		SOLE		22,034	0	0
DOMINION ENERGY INC	COM	25746U109	1,335	16,474	SH		SOLE		16,474	0	0
DOMINION ENERGY INC	COM	25746U109	15	187	SH		OTR		187	0	0
DOWDUPONT INC	COM	26078J100	3,220	45,212	SH		SOLE		45,212	0	0
DOWDUPONT INC	COM	26078J100	14	192	SH		OTR		192	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,223	14,539	SH		SOLE		14,539	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	19	220	SH		OTR		220	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	739	6,560	SH		SOLE		6,560	0	0
EMERSON ELEC CO	COM	291011104	1,082	15,519	SH		SOLE		15,519	0	0
EMERSON ELEC CO	COM	291011104	146	2,100	SH		OTR		2,100	0	0
ENBRIDGE INC	COM	29250N105	274	7,011	SH		SOLE		7,011	0	0
ENBRIDGE INC	COM	29250N105	2	49	SH		OTR		49	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	270	10,200	SH		SOLE		10,200	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	8	300	SH		OTR		300	0	0
EXELON CORP	COM	30161N101	205	5,207	SH		SOLE		5,207	0	0
EXELON CORP	COM	30161N101	11	286	SH		OTR		286	0	0
EXPRESS SCRIPTS HLDG CO	COM	30219G108	281	3,766	SH		SOLE		3,766	0	0
EXXON MOBIL CORP	COM	30231G102	4,202	50,244	SH		SOLE		50,244	0	0
EXXON MOBIL CORP	COM	30231G102	553	6,616	SH		OTR		6,528	0	88
FEDERATED INVS INC PA	CL B	314211103	361	10,000	SH		SOLE		10,000	0	0
FIRST CMNTY BANCSHARES INC N	COM	31983A103	3,280	114,175	SH		SOLE		114,175	0	0
FIRST TR EXCHANGE TRADED FD	DJ INTERNT IDX	33733E302	1,002	9,115	SH		SOLE		9,115	0	0
FISERV INC	COM	337738108	1,297	9,889	SH		SOLE		9,889	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	819	20,339	SH		SOLE		20,339	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	4	106	SH		OTR		106	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,530	7,520	SH		SOLE		7,520	0	0
GENERAL ELECTRIC CO	COM	369604103	681	39,054	SH		SOLE		39,054	0	0
GENERAL ELECTRIC CO	COM	369604103	49	2,825	SH		OTR		425	0	2,400
GENERAL MLS INC	COM	370334104	534	9,003	SH		SOLE		9,003	0	0
HERSHEY CO	COM	427866108	775	6,825	SH		SOLE		6,825	0	0
HOME DEPOT INC	COM	437076102	1,720	9,074	SH		SOLE		9,074	0	0
HOME DEPOT INC	COM	437076102	93	490	SH		OTR		390	0	100
HONEYWELL INTL INC	COM	438516106	1,053	6,868	SH		SOLE		6,868	0	0
HONEYWELL INTL INC	COM	438516106	15	100	SH		OTR		100	0	0
INTEL CORP	COM	458140100	1,839	39,838	SH		SOLE		39,838	0	0
INTEL CORP	COM	458140100	23	500	SH		OTR		500	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	920	13,035	SH		SOLE		13,035	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,050	6,846	SH		SOLE		6,846	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	608	3,960	SH		OTR		200	0	3,760
ISHARES TR	GLOBAL TECH ETF	464287291	260	1,689	SH		SOLE		1,689	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	966	9,045	SH		SOLE		9,045	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	192	1,800	SH		OTR		1,800	0	0
ISHARES TR	JPMORGAN USED EMG	464288281	212	1,830	SH		SOLE		1,830	0	0
ISHARES INC	MSCI JPN EFT NEW	46434G822	297	4,950	SH		SOLE		4,950	0	0
ISHARES TR	CORE INTL AGGR	46435G672	390	7,500	SH		SOLE		7,500	0	0
JPMORGAN CHASE & CO	COM	46625H100	922	8,621	SH		SOLE		8,621	0	0
JOHNSON & JOHNSON	COM	478160104	7,041	50,395	SH		SOLE		50,395	0	0
JOHNSON & JOHNSON	COM	478160104	514	3,680	SH		OTR		3,680	0	0
KIMBERLY CLARK CORP	COM	494368103	495	4,104	SH		SOLE		4,104	0	0
KRAFT HEINZ CO	COM	500754106	356	4,581	SH		SOLE		4,581	0	0
L3 TECHNOLOGIES INC	COM	502413107	218	1,100	SH		SOLE		1,100	0	0
LILLY ELI & CO	COM	532457108	1,426	16,880	SH		SOLE		16,880	0	0
LOWES COS INC	COM	548661107	289	3,107	SH		SOLE		3,107	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	826	5,460	SH		SOLE		5,460	0	0
MCDONALDS CORP	COM	580135101	322	1,873	SH		SOLE		1,873	0	0
MERCK & CO INC	COM	58933Y105	968	17,196	SH		SOLE		17,196	0	0
MICROSOFT CORP	COM	594918104	3,104	36,287	SH		SOLE		36,287	0	0
MICROSOFT CORP	COM	594918104	477	5,575	SH		OTR		5,575	0	0
MONDELEZ INTL INC	CL A	609207105	256	5,985	SH		SOLE		5,985	0	0
MONDELEZ INTL INC	CL A	609207105	10	234	SH		OTR		200	0	34
NATIONAL BANKSHARES INC VA	COM	634865109	1,594	35,082	SH		SOLE		35,082	0	0
NESTLE S A	SPONSORED ADR	641069406	356	4,137	SH		SOLE		4,137	0	0
NEXTERA ENERGY INC	COM	65339F101	303	1,941	SH		SOLE		1,941	0	0
NORFOLK SOUTHERN CORP	COM	655844108	2,600	17,946	SH		SOLE		17,946	0	0
NORFOLK SOUTHERN CORP	COM	655844108	382	2,638	SH		OTR		1,015	0	1,623
ORACLE CORP	COM	68389X105	982	20,780	SH		SOLE		20,780	0	0
PEPSICO INC	COM	713448108	1,819	15,167	SH		SOLE		15,167	0	0
PEPSICO INC	COM	713448108	42	350	SH		OTR		350	0	0
PFIZER INC	COM	717081103	1,346	37,170	SH		SOLE		37,170	0	0
PFIZER INC	COM	717081103	194	5,350	SH		OTR		5,350	0	0
PHILIP MORRIS INTL INC	COM	718172109	439	4,156	SH		SOLE		4,156	0	0
PHILIP MORRIS INTL INC	COM	718172109	5	50	SH		OTR		0	0	50
PHILLIPS 66	COM	718546104	203	2,006	SH		SOLE		2,006	0	0
PHILLIPS 66	COM	718546104	20	200	SH		OTR		200	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,570	49,736	SH		SOLE		49,736	0	0
PROCTER AND GAMBLE CO	COM	742718109	209	2,270	SH		OTR		2,270	0	0
QUALCOMM INC	COM	747525103	263	4,107	SH		SOLE		4,107	0	0
QUANTA SVCS INC	COM	74762E102	391	10,000	SH		SOLE		10,000	0	0
RGC RES INC	COM	74955L103	2,412	89,083	SH		SOLE		89,083	0	0
RAYTHEON CO	COM NEW	755111507	1,173	6,246	SH		SOLE		6,246	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	668	10,007	SH		SOLE		10,007	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	33	500	SH		OTR		500	0	0
SALESFORCE COM INC	COM	79466L302	400	3,916	SH		SOLE		3,916	0	0
SCHLUMBERGER LTD	COM	806857108	1,169	17,353	SH		SOLE		17,353	0	0
SCHLUMBERGER LTD	COM	806857108	121	1,800	SH		OTR		1,800	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	473	27,602	SH		SOLE		27,602	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	19	1,117	SH		OTR		1,117	0	0
SIEMENS A G	SPONSORED ADR	826197501	649	9,300	SH		SOLE		9,300	0	0
SOUTHERN CO	COM	842587107	393	8,172	SH		SOLE		8,172	0	0
STANLEY BLACK & DECKER INC	COM	854502101	1,143	6,735	SH		SOLE		6,735	0	0
STANLEY BLACK & DECKER INC	COM	854502101	172	1,014	SH		OTR		1,014	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	3,322	126,234	SH		SOLE		126,234	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	818	31,078	SH		OTR		30,000	0	1,078
SYSCO CORP	COM	871829107	278	4,580	SH		SOLE		4,580	0	0
3M CO	COM	88579Y101	755	3,206	SH		SOLE		3,206	0	0
3M CO	COM	88579Y101	24	100	SH		OTR		100	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	247	2,075	SH		SOLE		2,075	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	1,471	11,528	SH		SOLE		11,528	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	229	1,799	SH		OTR		1,799	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,904	35,970	SH		SOLE		35,970	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	15	286	SH		OTR		0	0	286
VISA INC	COM CL A	92826C839	715	6,271	SH		SOLE		6,271	0	0
WAL-MART STORES INC	COM	931142103	227	2,300	SH		SOLE		2,300	0	0
WAL-MART STORES INC	COM	931142103	5	50	SH		OTR		50	0	0
WASTE MGMT INC DEL	COM	94106L109	1,346	15,592	SH		SOLE		15,592	0	0
WASTE MGMT INC DEL	COM	94106L109	216	2,500	SH		OTR		2,500	0	0
WELLS FARGO CO NEW	COM	949746101	907	14,947	SH		SOLE		14,947	0	0
WELLTOWER INC	COM	95040Q104	217	3,403	SH		SOLE		3,403	0	0
WELLTOWER INC	COM	95040Q104	16	250	SH		OTR		250	0	0
WEYERHAEUSER CO	COM	962166104	327	9,278	SH		SOLE		9,278	0	0