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:

03-31-2018

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	04-04-2018
[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:	182
	Form 13F Information Table Value Total:	127,801
		(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	221	1,437	SH		SOLE		1,437	0	0
INGERSOLL-RAND PLC	SHS	G47791101	367	4,291	SH		SOLE		4,291	0	0
MEDTRONIC PLC	SHS	G5960L103	278	3,465	SH		SOLE		3,465	0	0
MEDTRONIC PLC	SHS	G5960L103	16	200	SH		OTR		200	0	0
CHUBB LIMITED	COM	H1467J104	340	2,487	SH		SOLE		2,487	0	0
SOUTHWEST VIRGINIA BANKSHARE	COM	T90000463	240	5,327	SH		SOLE		5,327	0	0
ABB LTD	SPONSORED ADR	000375204	237	10,000	SH		SOLE		10,000	0	0
AT&T INC	COM	00206R102	2,071	58,105	SH		SOLE		58,105	0	0
AT&T INC	COM	00206R102	242	6,778	SH		OTR		6,365	0	413
ABBOTT LABS	COM	002824100	437	7,298	SH		SOLE		7,298	0	0
ABBOTT LABS	COM	002824100	12	200	SH		OTR		200	0	0
ABBVIE INC	COM	00287Y109	1,108	11,710	SH		SOLE		11,710	0	0
ABBVIE INC	COM	00287Y109	19	200	SH		OTR		200	0	0
ADOBE SYS INC	COM	00724F101	279	1,290	SH		SOLE		1,290	0	0
AIR PRODS & CHEMS INC	COM	009158106	840	5,285	SH		SOLE		5,285	0	0
ALPHABET INC	CAP STK CL C	02079K107	727	705	SH		SOLE		705	0	0
ALPHABET INC	CAP STK CL A	02079K305	968	933	SH		SOLE		933	0	0
ALTRIA GROUP INC	COM	02209S103	426	6,840	SH		SOLE		6,840	0	0
ALTRIA GROUP INC	COM	02209S103	34	550	SH		OTR		500	0	50
AMAZON COM INC	COM	023135106	462	319	SH		SOLE		319	0	0
AMERICAN ELEC PWR INC	COM	025537101	1,042	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	205	1,205	SH		SOLE		1,205	0	0
AMGEN INC	COM	031162100	17	100	SH		OTR		100	0	0
APPLE INC	COM	037833100	1,919	11,437	SH		SOLE		11,437	0	0
APPLE INC	COM	037833100	40	240	SH		OTR		240	0	0
AUTODESK INC	COM	052769106	753	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	629	5,540	SH		SOLE		5,540	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	11	100	SH		OTR		100	0	0
BB&T CORP	COM	054937107	311	5,982	SH		SOLE		5,982	0	0
BP PLC	SPONSORED ADR	055622104	521	12,850	SH		SOLE		12,850	0	0
BP PLC	SPONSORED ADR	055622104	20	500	SH		OTR		500	0	0
BANK AMER CORP	COM	060505104	291	9,695	SH		SOLE		9,695	0	0
BANK AMER CORP	COM	060505104	95	3,159	SH		OTR		3,059	0	100
BAXTER INTL INC	COM	071813109	849	13,050	SH		SOLE		13,050	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	598	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,115	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	654	12,050	SH		SOLE		12,050	0	0
BLACKROCK INC	COM	09247X101	596	1,100	SH		SOLE		1,100	0	0
BOEING CO	COM	097023105	731	2,228	SH		SOLE		2,228	0	0
BOEING CO	COM	097023105	16	50	SH		OTR		0	0	50
BRISTOL MYERS SQUIBB CO	COM	110122108	1,483	23,442	SH		SOLE		23,442	0	0
BRISTOL MYERS SQUIBB CO	COM	110122108	6	100	SH		OTR		100	0	0
CME GROUP INC	COM CL A	12572Q105	332	2,050	SH		SOLE		2,050	0	0
CSX CORP	COM	126408103	2,355	42,267	SH		SOLE		42,267	0	0
CSX CORP	COM	126408103	187	3,357	SH		OTR		288	0	3,069
CAPITAL ONE FINL CORP	COM	14040H105	294	3,065	SH		SOLE		3,065	0	0
CATERPILLAR INC DEL	COM	149123101	528	3,583	SH		SOLE		3,583	0	0
CHEVRON CORP NEW	COM	166764100	1,237	10,847	SH		SOLE		10,847	0	0
CHEVRON CORP NEW	COM	166764100	11	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,605	37,432	SH		SOLE		37,432	0	0
CISCO SYS INC	COM	17275R102	37	852	SH		OTR		852	0	0
COCA COLA CO	COM	191216100	2,604	59,970	SH		SOLE		59,970	0	0
COCA COLA CO	COM	191216100	117	2,700	SH		OTR		2,700	0	0
COLGATE PALMOLIVE CO	COM	194162103	908	12,664	SH		SOLE		12,664	0	0
COLGATE PALMOLIVE CO	COM	194162103	215	3,000	SH		OTR		3,000	0	0
COMCAST CORP NEW	CL A	20030N101	259	7,588	SH		SOLE		7,588	0	0
COMCAST CORP NEW	CL A	20030N101	35	1,014	SH		OTR		0	0	1,014
CONOCOPHILLIPS	COM	20825C104	361	6,091	SH		SOLE		6,091	0	0
CONOCOPHILLIPS	COM	20825C104	12	200	SH		OTR		200	0	0
CONSOLIDATED EDISON INC	COM	209115104	436	5,600	SH		SOLE		5,600	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	250	2,278	SH		SOLE		2,278	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	26	237	SH		OTR		237	0	0
CUMMINS INC	COM	231021106	211	1,300	SH		SOLE		1,300	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	222	4,046	SH		SOLE		4,046	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	33	600	SH		OTR		600	0	0
DISNEY WALT CO	COM DISNEY	254687106	2,297	22,870	SH		SOLE		22,870	0	0
DOMINION ENERGY INC	COM	25746U109	1,163	17,247	SH		SOLE		17,247	0	0
DOMINION ENERGY INC	COM	25746U109	4	62	SH		OTR		62	0	0
DOWDUPONT INC	COM	26078J100	3,066	48,132	SH		SOLE		48,132	0	0
DOWDUPONT INC	COM	26078J100	12	192	SH		OTR		192	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	1,077	13,900	SH		SOLE		13,900	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	17	220	SH		OTR		220	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	915	6,560	SH		SOLE		6,560	0	0
EMERSON ELEC CO	COM	291011104	1,265	18,519	SH		SOLE		18,519	0	0
EMERSON ELEC CO	COM	291011104	143	2,100	SH		OTR		2,100	0	0
ENBRIDGE INC	COM	29250N105	216	6,864	SH		SOLE		6,864	0	0
ENBRIDGE INC	COM	29250N105	2	49	SH		OTR		49	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	485	19,800	SH		SOLE		19,800	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	7	300	SH		OTR		300	0	0
EXPRESS SCRIPTS HLDG CO	COM	30219G108	260	3,766	SH		SOLE		3,766	0	0
EXXON MOBIL CORP	COM	30231G102	3,789	50,789	SH		SOLE		50,789	0	0
EXXON MOBIL CORP	COM	30231G102	494	6,616	SH		OTR		6,528	0	88
FEDERATED INVS INC PA	CL B	314211103	334	10,000	SH		SOLE		10,000	0	0
FIRST CMNTY BANCSHARES INC N	COM	31983A103	3,347	112,125	SH		SOLE		112,125	0	0
FIRST CMNTY CORP	COM	31984K100	75	12,000	SH		SOLE		12,000	0	0
FIRST TR EXCHANGE TRADED FD	DJ INTERNT IDX	33733E302	1,098	9,115	SH		SOLE		9,115	0	0
FISERV INC	COM	337738108	1,410	19,778	SH		SOLE		19,778	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	820	20,714	SH		SOLE		20,714	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	4	108	SH		OTR		108	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,650	7,470	SH		SOLE		7,470	0	0
GENERAL ELECTRIC CO	COM	369604103	600	44,533	SH		SOLE		44,533	0	0
GENERAL ELECTRIC CO	COM	369604103	38	2,825	SH		OTR		425	0	2,400
GENERAL MLS INC	COM	370334104	450	9,978	SH		SOLE		9,978	0	0
HERSHEY CO	COM	427866108	675	6,825	SH		SOLE		6,825	0	0
HIGHLANDS BANKSHARES INC VA	COM	430893107	1,234	163,393	SH		SOLE		163,393	0	0
HOME DEPOT INC	COM	437076102	1,634	9,170	SH		SOLE		9,170	0	0
HOME DEPOT INC	COM	437076102	87	490	SH		OTR		390	0	100
HONEYWELL INTL INC	COM	438516106	1,134	7,850	SH		SOLE		7,850	0	0
HONEYWELL INTL INC	COM	438516106	14	100	SH		OTR		100	0	0
INTEL CORP	COM	458140100	2,353	45,178	SH		SOLE		45,178	0	0
INTEL CORP	COM	458140100	26	500	SH		OTR		500	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	945	13,035	SH		SOLE		13,035	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,300	8,471	SH		SOLE		8,471	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	608	3,960	SH		OTR		200	0	3,760
ISHARES TR	GLOBAL TECH ETF	464287291	267	1,689	SH		SOLE		1,689	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	960	8,995	SH		SOLE		8,995	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	192	1,800	SH		OTR		1,800	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	206	1,830	SH		SOLE		1,830	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	300	4,950	SH		SOLE		4,950	0	0
ISHARES TR	CORE INTL AGGR	46435G672	395	7,500	SH		SOLE		7,500	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,159	10,541	SH		SOLE		10,541	0	0
JOHNSON & JOHNSON	COM	478160104	6,634	51,770	SH		SOLE		51,770	0	0
JOHNSON & JOHNSON	COM	478160104	467	3,645	SH		OTR		3,645	0	0
KIMBERLY CLARK CORP	COM	494368103	541	4,912	SH		SOLE		4,912	0	0
KRAFT HEINZ CO	COM	500754106	256	4,107	SH		SOLE		4,107	0	0
L3 TECHNOLOGIES INC	COM	502413107	229	1,100	SH		SOLE		1,100	0	0
LILLY ELI & CO	COM	532457108	1,421	18,360	SH		SOLE		18,360	0	0
LOWES COS INC	COM	548661107	400	4,557	SH		SOLE		4,557	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	921	5,260	SH		SOLE		5,260	0	0
MCDONALDS CORP	COM	580135101	449	2,873	SH		SOLE		2,873	0	0
MERCK & CO INC	COM	58933Y105	1,021	18,740	SH		SOLE		18,740	0	0
MICROSOFT CORP	COM	594918104	3,780	41,417	SH		SOLE		41,417	0	0
MICROSOFT CORP	COM	594918104	509	5,575	SH		OTR		5,575	0	0
MONDELEZ INTL INC	CL A	609207105	241	5,785	SH		SOLE		5,785	0	0
MONDELEZ INTL INC	CL A	609207105	10	234	SH		OTR		200	0	34
NATIONAL BANKSHARES INC VA	COM	634865109	1,580	35,082	SH		SOLE		35,082	0	0
NESTLE S A	SPONSORED ADR	641069406	350	4,437	SH		SOLE		4,437	0	0
NETFLIX INC	COM	64110L106	260	880	SH		SOLE		880	0	0
NEXTERA ENERGY INC	COM	65339F101	468	2,866	SH		SOLE		2,866	0	0
NORFOLK SOUTHERN CORP	COM	655844108	2,414	17,776	SH		SOLE		17,776	0	0
NORFOLK SOUTHERN CORP	COM	655844108	358	2,638	SH		OTR		1,015	0	1,623
NOVARTIS A G	SPONSORED ADR	66987V109	358	4,426	SH		SOLE		4,426	0	0
ORACLE CORP	COM	68389X105	951	20,780	SH		SOLE		20,780	0	0
PEPSICO INC	COM	713448108	1,754	16,067	SH		SOLE		16,067	0	0
PEPSICO INC	COM	713448108	38	350	SH		OTR		350	0	0
PFIZER INC	COM	717081103	1,383	38,970	SH		SOLE		38,970	0	0
PFIZER INC	COM	717081103	190	5,350	SH		OTR		5,350	0	0
PHILIP MORRIS INTL INC	COM	718172109	531	5,345	SH		SOLE		5,345	0	0
PHILIP MORRIS INTL INC	COM	718172109	5	50	SH		OTR		0	0	50
PROCTER AND GAMBLE CO	COM	742718109	4,120	51,963	SH		SOLE		51,963	0	0
PROCTER AND GAMBLE CO	COM	742718109	180	2,270	SH		OTR		2,270	0	0
QUALCOMM INC	COM	747525103	220	3,972	SH		SOLE		3,972	0	0
QUANTA SVCS INC	COM	74762E102	344	10,000	SH		SOLE		10,000	0	0
RGC RES INC	COM	74955L103	2,263	89,083	SH		SOLE		89,083	0	0
RAYTHEON CO	COM NEW	755111507	1,571	7,281	SH		SOLE		7,281	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	639	10,007	SH		SOLE		10,007	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	32	500	SH		OTR		500	0	0
SALESFORCE COM INC	COM	79466L302	455	3,908	SH		SOLE		3,908	0	0
SCHLUMBERGER LTD	COM	806857108	1,145	17,675	SH		SOLE		17,675	0	0
SCHLUMBERGER LTD	COM	806857108	117	1,800	SH		OTR		1,800	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	355	20,887	SH		SOLE		20,887	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	19	1,117	SH		OTR		1,117	0	0
SIEMENS A G	SPONSORED ADR	826197501	592	9,300	SH		SOLE		9,300	0	0
SOUTHERN CO	COM	842587107	471	10,539	SH		SOLE		10,539	0	0
STANLEY BLACK & DECKER INC	COM	854502101	1,024	6,685	SH		SOLE		6,685	0	0
STANLEY BLACK & DECKER INC	COM	854502101	155	1,014	SH		OTR		1,014	0	0
STARBUCKS CORP	COM	855244109	221	3,825	SH		SOLE		3,825	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	3,147	125,831	SH		SOLE		125,831	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	777	31,078	SH		OTR		30,000	0	1,078
SYSCO CORP	COM	871829107	275	4,580	SH		SOLE		4,580	0	0
TARGET CORP	COM	87612E106	245	3,528	SH		SOLE		3,528	0	0
3M CO	COM	88579Y101	973	4,431	SH		SOLE		4,431	0	0
3M CO	COM	88579Y101	22	100	SH		OTR		100	0	0
US BANCORP DEL	COM NEW	902973304	266	5,275	SH		SOLE		5,275	0	0
UNION PAC CORP	COM	907818108	218	1,620	SH		SOLE		1,620	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	217	2,075	SH		SOLE		2,075	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	1,539	12,228	SH		SOLE		12,228	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	226	1,799	SH		OTR		1,799	0	0
VANGUARD N Y TAX FREE FD	LONG TAXEX INV	92204H103	230	20,000	SH		SOLE		20,000	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,785	37,333	SH		SOLE		37,333	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	14	286	SH		OTR		0	0	286
VISA INC	COM CL A	92826C839	930	7,771	SH		SOLE		7,771	0	0
WALMART INC	COM	931142103	400	4,500	SH		SOLE		4,500	0	0
WALMART INC	COM	931142103	4	50	SH		OTR		50	0	0
WASTE MGMT INC DEL	COM	94106L109	1,421	16,892	SH		SOLE		16,892	0	0
WASTE MGMT INC DEL	COM	94106L109	210	2,500	SH		OTR		2,500	0	0
WELLS FARGO CO NEW	COM	949746101	841	16,047	SH		SOLE		16,047	0	0
WELLTOWER INC	COM	95040Q104	231	4,240	SH		SOLE		4,240	0	0
WELLTOWER INC	COM	95040Q104	14	250	SH		OTR		250	0	0
WEYERHAEUSER CO	COM	962166104	314	8,978	SH		SOLE		8,978	0	0