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:

06-30-2018

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	07-03-2018
[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:	178
	Form 13F Information Table Value Total:	128,502
		(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	235	1,437	SH		SOLE		1,437	0	0
INGERSOLL-RAND PLC	SHS	G47791101	385	4,291	SH		SOLE		4,291	0	0
MEDTRONIC PLC	SHS	G5960L103	297	3,465	SH		SOLE		3,465	0	0
MEDTRONIC PLC	SHS	G5960L103	17	200	SH		OTR		200	0	0
CHUBB LIMITED	COM	H1467J104	290	2,283	SH		SOLE		2,283	0	0
SOUTHWEST VIRGINIA BANKSHARE	COM	T90000463	240	5,327	SH		SOLE		5,327	0	0
AT&T INC	COM	00206R102	1,858	57,861	SH		SOLE		57,861	0	0
AT&T INC	COM	00206R102	219	6,825	SH		OTR		6,412	0	413
ABBOTT LABS	COM	002824100	451	7,398	SH		SOLE		7,398	0	0
ABBOTT LABS	COM	002824100	24	400	SH		OTR		400	0	0
ABBVIE INC	COM	00287Y109	1,066	11,510	SH		SOLE		11,510	0	0
ABBVIE INC	COM	00287Y109	19	200	SH		OTR		200	0	0
ADOBE SYS INC	COM	00724F101	275	1,129	SH		SOLE		1,129	0	0
AIR PRODS & CHEMS INC	COM	009158106	792	5,085	SH		SOLE		5,085	0	0
ALPHABET INC	CAP STK CL C	02079K107	787	705	SH		SOLE		705	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,054	933	SH		SOLE		933	0	0
ALTRIA GROUP INC	COM	02209S103	388	6,840	SH		SOLE		6,840	0	0
ALTRIA GROUP INC	COM	02209S103	31	550	SH		OTR		500	0	50
AMAZON COM INC	COM	023135106	542	319	SH		SOLE		319	0	0
AMERICAN ELEC PWR INC	COM	025537101	1,052	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	222	1,205	SH		SOLE		1,205	0	0
AMGEN INC	COM	031162100	18	100	SH		OTR		100	0	0
APPLE INC	COM	037833100	2,117	11,437	SH		SOLE		11,437	0	0
APPLE INC	COM	037833100	44	240	SH		OTR		240	0	0
AUTODESK INC	COM	052769106	787	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	716	5,340	SH		SOLE		5,340	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	13	100	SH		OTR		100	0	0
BB&T CORP	COM	054937107	302	5,982	SH		SOLE		5,982	0	0
BP PLC	SPONSORED ADR	055622104	587	12,850	SH		SOLE		12,850	0	0
BP PLC	SPONSORED ADR	055622104	23	500	SH		OTR		500	0	0
BANK AMER CORP	COM	060505104	237	8,406	SH		SOLE		8,406	0	0
BANK AMER CORP	COM	060505104	89	3,159	SH		OTR		3,059	0	100
BAXTER INTL INC	COM	071813109	964	13,050	SH		SOLE		13,050	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	564	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,043	5,590	SH		SOLE		5,590	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	23	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	738	12,050	SH		SOLE		12,050	0	0
BLACKROCK INC	COM	09247X101	549	1,100	SH		SOLE		1,100	0	0
BOEING CO	COM	097023105	748	2,228	SH		SOLE		2,228	0	0
BOEING CO	COM	097023105	17	50	SH		OTR		0	0	50
BRISTOL MYERS SQUIBB CO	COM	110122108	1,220	22,042	SH		SOLE		22,042	0	0
BRISTOL MYERS SQUIBB CO	COM	110122108	6	100	SH		OTR		100	0	0
CME GROUP INC	COM CL A	12572Q105	336	2,050	SH		SOLE		2,050	0	0
CSX CORP	COM	126408103	2,696	42,267	SH		SOLE		42,267	0	0
CSX CORP	COM	126408103	214	3,357	SH		OTR		288	0	3,069
CAPITAL ONE FINL CORP	COM	14040H105	282	3,065	SH		SOLE		3,065	0	0
CATERPILLAR INC DEL	COM	149123101	483	3,558	SH		SOLE		3,558	0	0
CHEVRON CORP NEW	COM	166764100	1,308	10,347	SH		SOLE		10,347	0	0
CHEVRON CORP NEW	COM	166764100	13	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,606	37,332	SH		SOLE		37,332	0	0
CISCO SYS INC	COM	17275R102	37	852	SH		OTR		852	0	0
COCA COLA CO	COM	191216100	2,616	59,650	SH		SOLE		59,650	0	0
COCA COLA CO	COM	191216100	118	2,700	SH		OTR		2,700	0	0
COLGATE PALMOLIVE CO	COM	194162103	821	12,664	SH		SOLE		12,664	0	0
COLGATE PALMOLIVE CO	COM	194162103	194	3,000	SH		OTR		3,000	0	0
COMCAST CORP NEW	CL A	20030N101	249	7,588	SH		SOLE		7,588	0	0
COMCAST CORP NEW	CL A	20030N101	33	1,014	SH		OTR		0	0	1,014
CONOCOPHILLIPS	COM	20825C104	417	5,991	SH		SOLE		5,991	0	0
CONSOLIDATED EDISON INC	COM	209115104	421	5,400	SH		SOLE		5,400	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	185	1,719	SH		SOLE		1,719	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	26	237	SH		OTR		237	0	0
DARDEN RESTAURANTS INC	COM	237194105	209	1,953	SH		SOLE		1,953	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	200	4,046	SH		SOLE		4,046	0	0
DELTA AIR LINES INC DEL	COM NEW	247361702	30	600	SH		OTR		600	0	0
DISNEY WALT CO	COM DISNEY	254687106	2,397	22,870	SH		SOLE		22,870	0	0
DOMINION ENERGY INC	COM	25746U109	1,086	15,934	SH		SOLE		15,934	0	0
DOMINION ENERGY INC	COM	25746U109	4	62	SH		OTR		62	0	0
DOWDUPONT INC	COM	26078J100	3,173	48,132	SH		SOLE		48,132	0	0
DOWDUPONT INC	COM	26078J100	26	392	SH		OTR		392	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	806	10,188	SH		SOLE		10,188	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	17	220	SH		OTR		220	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	955	6,560	SH		SOLE		6,560	0	0
EMERSON ELEC CO	COM	291011104	1,280	18,519	SH		SOLE		18,519	0	0
EMERSON ELEC CO	COM	291011104	145	2,100	SH		OTR		2,100	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	548	19,800	SH		SOLE		19,800	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	8	300	SH		OTR		300	0	0
EXXON MOBIL CORP	COM	30231G102	4,200	50,769	SH		SOLE		50,769	0	0
EXXON MOBIL CORP	COM	30231G102	547	6,616	SH		OTR		6,528	0	88
FEDERATED INVS INC PA	CL B	314211103	233	10,000	SH		SOLE		10,000	0	0
FIRST CMNTY BANCSHARES INC N	COM	31983A103	3,537	111,025	SH		SOLE		111,025	0	0
FIRST CMNTY CORP	COM	31984K100	81	12,000	SH		SOLE		12,000	0	0
FIRST TR EXCHANGE TRADED FD	DJ INTERNT IDX	33733E302	1,255	9,115	SH		SOLE		9,115	0	0
FISERV INC	COM	337738108	1,451	19,578	SH		SOLE		19,578	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	843	20,962	SH		SOLE		20,962	0	0
FLEMING CAP MUT FD GROUP	JP MORGAN MID L	339128100	4	110	SH		OTR		110	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,020	5,470	SH		SOLE		5,470	0	0
GENERAL ELECTRIC CO	COM	369604103	373	27,401	SH		SOLE		27,401	0	0
GENERAL ELECTRIC CO	COM	369604103	38	2,825	SH		OTR		425	0	2,400
GENERAL MLS INC	COM	370334104	387	8,750	SH		SOLE		8,750	0	0
HERSHEY CO	COM	427866108	635	6,825	SH		SOLE		6,825	0	0
HIGHLANDS BANKSHARES INC VA	COM	430893107	454	62,143	SH		SOLE		62,143	0	0
HOME DEPOT INC	COM	437076102	1,789	9,170	SH		SOLE		9,170	0	0
HOME DEPOT INC	COM	437076102	96	490	SH		OTR		390	0	100
HONEYWELL INTL INC	COM	438516106	1,124	7,800	SH		SOLE		7,800	0	0
HONEYWELL INTL INC	COM	438516106	14	100	SH		OTR		100	0	0
INTEL CORP	COM	458140100	2,241	45,078	SH		SOLE		45,078	0	0
INTEL CORP	COM	458140100	25	500	SH		OTR		500	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	959	13,035	SH		SOLE		13,035	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,155	8,271	SH		SOLE		8,271	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	553	3,960	SH		OTR		200	0	3,760
INVESCO QQQ TR	UNIT SER 1	46090E103	3,062	17,838	SH		SOLE		17,838	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	261	1,589	SH		SOLE		1,589	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	988	8,995	SH		SOLE		8,995	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	198	1,800	SH		OTR		1,800	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	287	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	1,098	10,541	SH		SOLE		10,541	0	0
JOHNSON & JOHNSON	COM	478160104	6,277	51,730	SH		SOLE		51,730	0	0
JOHNSON & JOHNSON	COM	478160104	442	3,645	SH		OTR		3,645	0	0
KIMBERLY CLARK CORP	COM	494368103	512	4,862	SH		SOLE		4,862	0	0
KRAFT HEINZ CO	COM	500754106	253	4,031	SH		SOLE		4,031	0	0
L3 TECHNOLOGIES INC	COM	502413107	212	1,100	SH		SOLE		1,100	0	0
LILLY ELI & CO	COM	532457108	1,564	18,330	SH		SOLE		18,330	0	0
LOWES COS INC	COM	548661107	436	4,557	SH		SOLE		4,557	0	0
MAGELLAN MIDSTREAM PRTNRS LP	COM UNIT RP LP	559080106	207	3,000	SH		SOLE		3,000	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	1,034	5,260	SH		SOLE		5,260	0	0
MCDONALDS CORP	COM	580135101	450	2,873	SH		SOLE		2,873	0	0
MERCK & CO INC	COM	58933Y105	367	6,053	SH		SOLE		6,053	0	0
MERCK & CO INC	COM	58933Y105	12	200	SH		OTR		200	0	0
MICROSOFT CORP	COM	594918104	4,074	41,319	SH		SOLE		41,319	0	0
MICROSOFT CORP	COM	594918104	550	5,575	SH		OTR		5,575	0	0
MONDELEZ INTL INC	CL A	609207105	228	5,560	SH		SOLE		5,560	0	0
MONDELEZ INTL INC	CL A	609207105	10	234	SH		OTR		200	0	34
NATIONAL BANKSHARES INC VA	COM	634865109	1,628	35,082	SH		SOLE		35,082	0	0
NESTLE S A	SPONSORED ADR	641069406	305	3,937	SH		SOLE		3,937	0	0
NETFLIX INC	COM	64110L106	344	880	SH		SOLE		880	0	0
NEXTERA ENERGY INC	COM	65339F101	479	2,866	SH		SOLE		2,866	0	0
NORFOLK SOUTHERN CORP	COM	655844108	2,659	17,626	SH		SOLE		17,626	0	0
NORFOLK SOUTHERN CORP	COM	655844108	398	2,638	SH		OTR		1,015	0	1,623
NOVARTIS A G	SPONSORED ADR	66987V109	334	4,426	SH		SOLE		4,426	0	0
ORACLE CORP	COM	68389X105	251	5,700	SH		SOLE		5,700	0	0
PEPSICO INC	COM	713448108	1,749	16,067	SH		SOLE		16,067	0	0
PEPSICO INC	COM	713448108	38	350	SH		OTR		350	0	0
PFIZER INC	COM	717081103	1,414	38,970	SH		SOLE		38,970	0	0
PFIZER INC	COM	717081103	194	5,350	SH		OTR		5,350	0	0
PHILIP MORRIS INTL INC	COM	718172109	331	4,095	SH		SOLE		4,095	0	0
PHILIP MORRIS INTL INC	COM	718172109	4	50	SH		OTR		0	0	50
PHILLIPS 66	COM	718546104	203	1,806	SH		SOLE		1,806	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,040	51,752	SH		SOLE		51,752	0	0
PROCTER AND GAMBLE CO	COM	742718109	177	2,270	SH		OTR		2,270	0	0
QUANTA SVCS INC	COM	74762E102	334	10,000	SH		SOLE		10,000	0	0
RGC RES INC	COM	74955L103	2,599	89,083	SH		SOLE		89,083	0	0
RAYTHEON CO	COM NEW	755111507	1,407	7,281	SH		SOLE		7,281	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	693	10,007	SH		SOLE		10,007	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	21	300	SH		OTR		300	0	0
SALESFORCE COM INC	COM	79466L302	533	3,908	SH		SOLE		3,908	0	0
SCHLUMBERGER LTD	COM	806857108	1,075	16,032	SH		SOLE		16,032	0	0
SCHLUMBERGER LTD	COM	806857108	121	1,800	SH		OTR		1,800	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	284	16,642	SH		SOLE		16,642	0	0
SCHWAB CAP TR	HEDGED EQT SEL	808509699	19	1,117	SH		OTR		1,117	0	0
SIEMENS A G	SPONSORED ADR	826197501	615	9,300	SH		SOLE		9,300	0	0
SOUTHERN CO	COM	842587107	479	10,338	SH		SOLE		10,338	0	0
STANLEY BLACK & DECKER INC	COM	854502101	888	6,685	SH		SOLE		6,685	0	0
STANLEY BLACK & DECKER INC	COM	854502101	135	1,014	SH		OTR		1,014	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	3,369	125,539	SH		SOLE		125,539	0	0
SUMMIT FINANCIAL GROUP INC	COM	86606G101	834	31,078	SH		OTR		30,000	0	1,078
SYSCO CORP	COM	871829107	264	3,870	SH		SOLE		3,870	0	0
TARGET CORP	COM	87612E106	269	3,528	SH		SOLE		3,528	0	0
3M CO	COM	88579Y101	872	4,431	SH		SOLE		4,431	0	0
US BANCORP DEL	COM NEW	902973304	264	5,275	SH		SOLE		5,275	0	0
UNION PAC CORP	COM	907818108	230	1,620	SH		SOLE		1,620	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	220	2,075	SH		SOLE		2,075	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	1,529	12,228	SH		SOLE		12,228	0	0
UNITED TECHNOLOGIES CORP	COM	913017109	225	1,799	SH		OTR		1,799	0	0
VANGUARD TAX MANAGED INTL FD	FTSE DEV MKT ETF	921943858	215	5,017	SH		SOLE		5,017	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	1,867	37,103	SH		SOLE		37,103	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	14	286	SH		OTR		0	0	286
VISA INC	COM CL A	92826C839	1,029	7,771	SH		SOLE		7,771	0	0
WALMART INC	COM	931142103	385	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	1,382	16,992	SH		SOLE		16,992	0	0
WASTE MGMT INC DEL	COM	94106L109	203	2,500	SH		OTR		2,500	0	0
WELLS FARGO CO NEW	COM	949746101	890	16,047	SH		SOLE		16,047	0	0
WELLTOWER INC	COM	95040Q104	194	3,090	SH		SOLE		3,090	0	0
WELLTOWER INC	COM	95040Q104	16	250	SH		OTR		250	0	0
WEYERHAEUSER CO	COM	962166104	320	8,778	SH		SOLE		8,778	0	0