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:

09-30-2021

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	10-08-2021
[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:	310
	Form 13F Information Table Value Total:	276,360
		(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	284	887	SH		SOLE		887	0	0
MEDTRONIC PLC	SHS	G5960L103	353	2,815	SH		SOLE		2,815	0	0
MEDTRONIC PLC	SHS	G5960L103	19	155	SH		OTR		155	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	639	3,700	SH		SOLE		3,700	0	0
CHUBB LIMITED	COM	H1467J104	318	1,833	SH		SOLE		1,833	0	0
CHUBB LIMITED	COM	H1467J104	10	57	SH		OTR		57	0	0
ALPS ETF TR	MED BREAKTHGH	00162Q593	521	11,450	SH		SOLE		11,450	0	0
AT&T INC	COM	00206R102	1,265	46,829	SH		SOLE		46,829	0	0
AT&T INC	COM	00206R102	204	7,567	SH		OTR		7,154	0	413
ABBOTT LABS	COM	002824100	619	5,238	SH		SOLE		5,238	0	0
ABBOTT LABS	COM	002824100	130	1,100	SH		OTR		1,100	0	0
ABBVIE INC	COM	00287Y109	975	9,035	SH		SOLE		9,035	0	0
ABBVIE INC	COM	00287Y109	143	1,325	SH		OTR		1,325	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	435	756	SH		SOLE		756	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,140	4,450	SH		SOLE		4,450	0	0
ALPHABET INC	CAP STK CL C	02079K107	541	203	SH		SOLE		203	0	0
ALPHABET INC	CAP STK CL A	02079K305	874	327	SH		SOLE		327	0	0
ALTRIA GROUP INC	COM	02209S103	248	5,450	SH		SOLE		5,450	0	0
ALTRIA GROUP INC	COM	02209S103	251	5,515	SH		OTR		5,465	0	50
AMAZON COM INC	COM	023135106	1,455	443	SH		SOLE		443	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	925	11,400	SH		SOLE		11,400	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	107	1,312	SH		OTR		1,312	0	0
AMERICAN EXPRESS CO	COM	025816109	192	1,145	SH		SOLE		1,145	0	0
AMERICAN EXPRESS CO	COM	025816109	251	1,500	SH		OTR		1,500	0	0
AMGEN INC	COM	031162100	175	823	SH		SOLE		823	0	0
AMGEN INC	COM	031162100	106	500	SH		OTR		500	0	0
AMPLIFY ETF TR	ONLIN RETL ETF	032108102	187	1,710	SH		SOLE		1,710	0	0
AMPLIFY ETF TR	ONLIN RETL ETF	032108102	120	1,100	SH		OTR		1,100	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	274	6,130	SH		SOLE		6,130	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	195	4,370	SH		OTR		4,370	0	0
ANTHEM INC	COM	036752103	258	693	SH		SOLE		693	0	0
APPLE INC	COM	037833100	4,022	28,426	SH		SOLE		28,426	0	0
APPLIED MATLS INC	COM	038222105	315	2,447	SH		SOLE		2,447	0	0
AUTODESK INC	COM	052769106	1,711	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING I	N COM	053015103	703	3,515	SH		SOLE		3,515	0	0
AUTOMATIC DATA PROCESSING I	N COM	053015103	20	100	SH		OTR		100	0	0
BP PLC	SPONSORED ADR	055622104	219	8,000	SH		SOLE		8,000	0	0
BK OF AMERICA CORP	COM	060505104	248	5,835	SH		SOLE		5,835	0	0
BK OF AMERICA CORP	COM	060505104	211	4,959	SH		OTR		4,859	0	100
BAXTER INTL INC	COM	071813109	760	9,455	SH		SOLE		9,455	0	0
BECTON DICKINSON & CO	COM	075887109	180	731	SH		SOLE		731	0	0
BECTON DICKINSON & CO	COM	075887109	147	600	SH		OTR		600	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	823	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	830	3,040	SH		SOLE		3,040	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	34	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	502	8,000	SH		SOLE		8,000	0	0
BOEING CO	COM	097023105	227	1,032	SH		SOLE		1,032	0	0
BOEING CO	COM	097023105	332	1,510	SH		OTR		1,460	0	50
BRISTOL-MYERS SQUIBB CO	COM	110122108	569	9,620	SH		SOLE		9,620	0	0
CSX CORP	COM	126408103	2,998	100,800	SH		SOLE		100,800	0	0
CSX CORP	COM	126408103	274	9,207	SH		OTR		0	0	9,207
CAESARS ENTERTAINMENT INC N	E COM	12769G100	632	5,630	SH		SOLE		5,630	0	0
CAPITAL ONE FINL CORP	COM	14040H105	302	1,865	SH		SOLE		1,865	0	0
CAPITAL ONE FINL CORP	COM	14040H105	413	2,547	SH		OTR		2,547	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	207	4,004	SH		SOLE		4,004	0	0
CATERPILLAR INC	COM	149123101	732	3,812	SH		SOLE		3,812	0	0
CATERPILLAR INC	COM	149123101	192	1,000	SH		OTR		1,000	0	0
CHEVRON CORP NEW	COM	166764100	871	8,586	SH		SOLE		8,586	0	0
CHEVRON CORP NEW	COM	166764100	340	3,350	SH		OTR		3,350	0	0
CISCO SYS INC	COM	17275R102	1,751	32,176	SH		SOLE		32,176	0	0
CISCO SYS INC	COM	17275R102	46	850	SH		OTR		850	0	0
COCA COLA CO	COM	191216100	2,789	53,163	SH		SOLE		53,163	0	0
COCA COLA CO	COM	191216100	126	2,400	SH		OTR		2,400	0	0
COLGATE PALMOLIVE CO	COM	194162103	774	10,236	SH		SOLE		10,236	0	0
COLGATE PALMOLIVE CO	COM	194162103	283	3,750	SH		OTR		3,750	0	0
COMCAST CORP NEW	CL A	20030N101	288	5,143	SH		SOLE		5,143	0	0
COMCAST CORP NEW	CL A	20030N101	139	2,481	SH		OTR		1,467	0	1,014
CONOCOPHILLIPS	COM	20825C104	311	4,591	SH		SOLE		4,591	0	0
COSTCO WHSL CORP NEW	COM	22160K105	227	505	SH		SOLE		505	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	257	1,482	SH		SOLE		1,482	0	0
DARDEN RESTAURANTS INC	COM	237194105	456	3,009	SH		SOLE		3,009	0	0
DIREXION SHS ETF TR	AUSPCE CMD STG	25460E307	205	6,460	SH		SOLE		6,460	0	0
DISNEY WALT CO	COM	254687106	3,552	20,994	SH		SOLE		20,994	0	0
DISNEY WALT CO	COM	254687106	203	1,200	SH		OTR		1,200	0	0
DOMINION ENERGY INC	COM	25746U109	520	7,124	SH		SOLE		7,124	0	0
DOMINION ENERGY INC	COM	25746U109	67	911	SH		OTR		911	0	0
DOW INC	COM	260557103	276	4,803	SH		SOLE		4,803	0	0
DOW INC	COM	260557103	55	964	SH		OTR		964	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	579	5,931	SH		SOLE		5,931	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	50	513	SH		OTR		513	0	0
DUPONT DE NEMOURS INC	COM	26614N102	636	9,356	SH		SOLE		9,356	0	0
DUPONT DE NEMOURS INC	COM	26614N102	66	964	SH		OTR		964	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	824	12,177	SH		SOLE		12,177	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	135	2,000	SH		OTR		2,000	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	2,228	19,680	SH		SOLE		19,680	0	0
EMERSON ELEC CO	COM	291011104	1,670	17,725	SH		SOLE		17,725	0	0
EMERSON ELEC CO	COM	291011104	292	3,100	SH		OTR		3,100	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	1,369	21,251	SH		SOLE		21,251	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	148	2,300	SH		OTR		2,300	0	0
EXXON MOBIL CORP	COM	30231G102	2,352	39,990	SH		SOLE		39,990	0	0
EXXON MOBIL CORP	COM	30231G102	463	7,866	SH		OTR		7,778	0	88
FACEBOOK INC	CL A	30303M102	331	975	SH		SOLE		975	0	0
FIRST CMNTY BANKSHARES INC	V COM	31983A103	1,273	40,148	SH		SOLE		40,148	0	0
FIRST CMNTY BANKSHARES INC	V COM	31983A103	101	3,195	SH		OTR		3,195	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	1,452	6,155	SH		SOLE		6,155	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	1,507	30,923	SH		SOLE		30,923	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,543	13,870	SH		SOLE		13,870	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	514	25,006	SH		SOLE		25,006	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	4	213	SH		OTR		213	0	0
FISERV INC	COM	337738108	1,842	16,978	SH		SOLE		16,978	0	0
FRANKLIN RESOURCES INC	COM	354613101	388	13,050	SH		SOLE		13,050	0	0
GAMING & LEISURE PPTYS INC	COM	36467J108	436	9,416	SH		SOLE		9,416	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,008	5,142	SH		SOLE		5,142	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	236	2,286	SH		SOLE		2,286	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	50	482	SH		OTR		182	0	300
GENERAL MLS INC	COM	370334104	444	7,422	SH		SOLE		7,422	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	516	20,315	SH		SOLE		20,315	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	163	6,400	SH		OTR		6,400	0	0
HARTFORD FINL SVCS GROUP IN	C COM	416515104	207	2,945	SH		SOLE		2,945	0	0
HERSHEY CO	COM	427866108	1,155	6,825	SH		SOLE		6,825	0	0
HOME DEPOT INC	COM	437076102	2,520	7,678	SH		SOLE		7,678	0	0
HOME DEPOT INC	COM	437076102	479	1,458	SH		OTR		1,358	0	100
HONEYWELL INTL INC	COM	438516106	1,250	5,889	SH		SOLE		5,889	0	0
HONEYWELL INTL INC	COM	438516106	58	275	SH		OTR		275	0	0
INTEL CORP	COM	458140100	2,071	38,870	SH		SOLE		38,870	0	0
INTEL CORP	COM	458140100	107	2,000	SH		OTR		2,000	0	0
INTERCONTINENTAL EXCHANGE I	N COM	45866F104	1,146	9,978	SH		SOLE		9,978	0	0
INTERNATIONAL BUSINESS MACH	S COM	459200101	678	4,883	SH		SOLE		4,883	0	0
INTERNATIONAL BUSINESS MACH	S COM	459200101	620	4,460	SH		OTR		700	0	3,760
INVESCO QQQ TR	UNIT SER 1	46090E103	4,151	11,595	SH		SOLE		11,595	0	0
INTUIT	COM	461202103	247	457	SH		SOLE		457	0	0
INVESCO EXCHANGE TRADED FD	T S&P SML600 VAL	46137V167	254	2,730	SH		SOLE		2,730	0	0
INVESCO EXCHANGE TRADED FD	T S&P500 EQL WGT	46137V357	6,315	42,149	SH		SOLE		42,149	0	0
INVESCO EXCHANGE TRADED FD	T S&P500 EQL WGT	46137V357	150	1,000	SH		OTR		1,000	0	0
INVESCO EXCHANGE TRADED FD	T GBL LISTED PVT	46137V589	215	14,375	SH		SOLE		14,375	0	0
INVESCO EXCH TRADED FD TR I	I S&P 500 HB ETF	46138E370	767	10,495	SH		SOLE		10,495	0	0
INVESCO EXCH TRADED FD TR I	I S&P 500 HB ETF	46138E370	317	4,330	SH		OTR		4,330	0	0
INVESCO EXCH TRADED FD TR I	I VAR RATE PFD	46138G870	1,409	53,747	SH		SOLE		53,747	0	0
INVESCO EXCH TRADED FD TR I	I VAR RATE PFD	46138G870	218	8,325	SH		OTR		8,325	0	0
ISHARES SILVER TR	ISHARES	46428Q109	265	12,925	SH		SOLE		12,925	0	0
ISHARES SILVER TR	ISHARES	46428Q109	11	550	SH		OTR		550	0	0
ISHARES TR	S&P 100 ETF	464287101	685	3,470	SH		SOLE		3,470	0	0
ISHARES TR	CORE S&P TTL STK	464287150	252	2,560	SH		SOLE		2,560	0	0
ISHARES TR	SELECT DIVID ETF	464287168	4,153	36,198	SH		SOLE		36,198	0	0
ISHARES TR	SELECT DIVID ETF	464287168	470	4,096	SH		OTR		4,096	0	0
ISHARES TR	CORE S&P500 ETF	464287200	4,281	9,936	SH		SOLE		9,936	0	0
ISHARES TR	CORE US AGGBD ET	464287226	8,487	73,905	SH		SOLE		73,905	0	0
ISHARES TR	CORE US AGGBD ET	464287226	25	215	SH		OTR		215	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	4,788	95,042	SH		SOLE		95,042	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	524	10,395	SH		OTR		10,395	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	235	1,765	SH		SOLE		1,765	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	430	7,584	SH		SOLE		7,584	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	1,062	18,744	SH		OTR		18,744	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,564	21,156	SH		SOLE		21,156	0	0
ISHARES TR	GLOB HLTHCRE ETF	464287325	251	2,994	SH		SOLE		2,994	0	0
ISHARES TR	BARCLAYS 7 10 YR	464287440	416	3,614	SH		SOLE		3,614	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	5,041	58,519	SH		SOLE		58,519	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	569	6,600	SH		OTR		6,600	0	0
ISHARES TR	MSCI EAFE ETF	464287465	5,259	67,410	SH		SOLE		67,410	0	0
ISHARES TR	MSCI EAFE ETF	464287465	376	4,826	SH		OTR		4,826	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,592	14,208	SH		SOLE		14,208	0	0
ISHARES TR	RUS MID CAP ETF	464287499	3,018	38,588	SH		SOLE		38,588	0	0
ISHARES TR	RUS MID CAP ETF	464287499	23	300	SH		OTR		300	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	5,252	19,965	SH		SOLE		19,965	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	645	2,450	SH		OTR		2,450	0	0
ISHARES TR	ISHARES BIOTECH	464287556	1,132	7,000	SH		SOLE		7,000	0	0
ISHARES TR	ISHARES BIOTECH	464287556	240	1,485	SH		OTR		1,485	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	235	3,305	SH		SOLE		3,305	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	661	4,225	SH		SOLE		4,225	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	145	925	SH		OTR		925	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	364	4,597	SH		SOLE		4,597	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	1,472	5,370	SH		SOLE		5,370	0	0
ISHARES TR	RUS 1000 ETF	464287622	670	2,772	SH		SOLE		2,772	0	0
ISHARES TR	RUS 2000 GRW EFT	464287648	382	1,300	SH		SOLE		1,300	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	2,332	10,660	SH		SOLE		10,660	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	273	1,250	SH		OTR		1,250	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	223	875	SH		SOLE		875	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	279	2,725	SH		SOLE		2,725	0	0
ISHARES TR	US INDUSTRIALS	464287754	21	200	SH		SOLE		200	0	0
ISHARES TR	US INDUSTRIALS	464287754	321	3,000	SH		OTR		3,000	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	836	4,445	SH		SOLE		4,445	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	7,280	66,675	SH		SOLE		66,675	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	546	5,000	SH		OTR		5,000	0	0
ISHARES TR	S&P SML 600 GWT	464287887	550	4,232	SH		SOLE		4,232	0	0
ISHARES TR	MSCI ACWI EX US	464288240	1,007	18,172	SH		SOLE		18,172	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	904	29,704	SH		SOLE		29,704	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,545	17,660	SH		SOLE		17,660	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	144	1,650	SH		OTR		1,650	0	0
ISHARES TR	MBS ETF	464288588	828	7,655	SH		SOLE		7,655	0	0
ISHARES TR	MBS ETF	464288588	142	1,315	SH		OTR		1,315	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	310	5,159	SH		SOLE		5,159	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	3,296	60,322	SH		SOLE		60,322	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	109	2,000	SH		OTR		2,000	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	4,860	37,335	SH		SOLE		37,335	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	273	2,100	SH		OTR		2,100	0	0
ISHARES TR	PFD AND INCM SEC	464288687	4,005	103,191	SH		SOLE		103,191	0	0
ISHARES TR	PFD AND INCM SEC	464288687	241	6,210	SH		OTR		6,210	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	315	5,020	SH		SOLE		5,020	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	1,032	16,440	SH		OTR		16,440	0	0
ISHARES TR	US OIL EQ&SV ETF	464288844	199	14,570	SH		SOLE		14,570	0	0
ISHARES TR	MICRO-CAP ETF	464288869	397	2,750	SH		SOLE		2,750	0	0
ISHARES TR	US TREAS BD ETF	46429B267	682	25,707	SH		SOLE		25,707	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	618	12,162	SH		SOLE		12,162	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	2,381	25,260	SH		SOLE		25,260	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	13	138	SH		OTR		138	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	1,461	29,138	SH		SOLE		29,138	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	286	5,700	SH		OTR		5,700	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	310	1,765	SH		SOLE		1,765	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	357	5,075	SH		SOLE		5,075	0	0
ISHARES TR	CORE INTL AGGR	46435G672	275	5,000	SH		SOLE		5,000	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,184	13,343	SH		SOLE		13,343	0	0
JPMORGAN CHASE & CO	COM	46625H100	368	2,246	SH		OTR		2,246	0	0
JOHNSON & JOHNSON	COM	478160104	5,336	33,038	SH		SOLE		33,038	0	0
JOHNSON & JOHNSON	COM	478160104	1,021	6,325	SH		OTR		6,325	0	0
KIMBERLY-CLARK CORP	COM	494368103	262	1,975	SH		SOLE		1,975	0	0
KRAFT HEINZ CO	COM	500754106	314	8,536	SH		SOLE		8,536	0	0
KRAFT HEINZ CO	COM	500754106	32	858	SH		OTR		858	0	0
LILLY ELI & CO	COM	532457108	3,387	14,660	SH		SOLE		14,660	0	0
LILLY ELI & CO	COM	532457108	38	165	SH		OTR		165	0	0
LOWES COS INC	COM	548661107	746	3,676	SH		SOLE		3,676	0	0
LOWES COS INC	COM	548661107	145	715	SH		OTR		715	0	0
MANULIFE FINL CORP	COM	56501R106	312	16,194	SH		SOLE		16,194	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	229	659	SH		SOLE		659	0	0
MCDONALDS CORP	COM	580135101	698	2,897	SH		SOLE		2,897	0	0
MCDONALDS CORP	COM	580135101	20	85	SH		OTR		85	0	0
MERCK & CO INC	COM	58933Y105	357	4,747	SH		SOLE		4,747	0	0
MERCK & CO INC	COM	58933Y105	180	2,400	SH		OTR		2,400	0	0
MICROSOFT CORP	COM	594918104	8,160	28,945	SH		SOLE		28,945	0	0
MICROSOFT CORP	COM	594918104	2,185	7,750	SH		OTR		7,750	0	0
MONDELEZ INTL INC	CL A	609207105	286	4,910	SH		SOLE		4,910	0	0
MONDELEZ INTL INC	CL A	609207105	95	1,634	SH		OTR		1,600	0	34
NESTLE S A	SPONSORED ADR	641069406	287	2,373	SH		SOLE		2,373	0	0
NESTLE S A	SPONSORED ADR	641069406	27	220	SH		OTR		220	0	0
NEXTERA ENERGY INC	COM	65339F101	884	11,264	SH		SOLE		11,264	0	0
NORFOLK SOUTHN CORP	COM	655844108	2,119	8,858	SH		SOLE		8,858	0	0
NORFOLK SOUTHN CORP	COM	655844108	535	2,238	SH		OTR		615	0	1,623
NOVARTIS AG	SPONSORED ADR	66987V109	308	3,769	SH		SOLE		3,769	0	0
OREILLY AUTOMOTIVE INC	COM	67103H107	201	329	SH		SOLE		329	0	0
ORACLE CORP	COM	68389X105	333	3,825	SH		SOLE		3,825	0	0
PENN NATL GAMING INC	COM	707569109	410	5,661	SH		SOLE		5,661	0	0
PEPSICO INC	COM	713448108	1,793	11,921	SH		SOLE		11,921	0	0
PEPSICO INC	COM	713448108	203	1,350	SH		OTR		1,350	0	0
PFIZER INC	COM	717081103	1,164	27,068	SH		SOLE		27,068	0	0
PFIZER INC	COM	717081103	325	7,550	SH		OTR		7,550	0	0
PHILIP MORRIS INTL INC	COM	718172109	343	3,620	SH		SOLE		3,620	0	0
PHILIP MORRIS INTL INC	COM	718172109	485	5,115	SH		OTR		5,065	0	50
PRICE T ROWE GROUP INC	COM	74144T108	295	1,500	SH		SOLE		1,500	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,949	42,554	SH		SOLE		42,554	0	0
PROCTER AND GAMBLE CO	COM	742718109	851	6,090	SH		OTR		6,090	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	924	12,700	SH		OTR		12,700	0	0
QUALCOMM INC	COM	747525103	615	4,768	SH		SOLE		4,768	0	0
QUALCOMM INC	COM	747525103	35	275	SH		OTR		275	0	0
RGC RES INC	COM	74955L103	915	40,658	SH		SOLE		40,658	0	0
RGC RES INC	COM	74955L103	149	6,611	SH		OTR		6,611	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	2,360	27,459	SH		SOLE		27,459	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	230	2,680	SH		OTR		2,680	0	0
REALTY INCOME CORP	COM	756109104	104	1,600	SH		SOLE		1,600	0	0
REALTY INCOME CORP	COM	756109104	97	1,500	SH		OTR		1,500	0	0
RENAISSANCE CAP GREENWICH F	D IPO ETF	759937204	1,114	17,315	SH		SOLE		17,315	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	316	7,090	SH		SOLE		7,090	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6,188	14,420	SH		SOLE		14,420	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6	14	SH		OTR		14	0	0
SPDR SER TR	BLMBRG BRC CNVRT	78464A359	316	3,700	SH		SOLE		3,700	0	0
SPDR SER TR	HLTH CR EQUIP	78464A581	218	1,745	SH		SOLE		1,745	0	0
SPDR SER TR	HLTH CR EQUIP	78464A581	147	1,175	SH		OTR		1,175	0	0
SPDR SER TR	DJ REIT ETF	78464A607	471	4,467	SH		SOLE		4,467	0	0
SPDR SER TR	DJ REIT ETF	78464A607	316	3,000	SH		OTR		3,000	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	703	15,269	SH		SOLE		15,269	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	144	3,120	SH		OTR		3,120	0	0
SPDR SER TR	BLOOMBERG SRT TR	78468R408	1,063	38,807	SH		SOLE		38,807	0	0
SPDR SER TR	BLOOMBERG SRT TR	78468R408	144	5,250	SH		OTR		5,250	0	0
SCHLUMBERGER LTD	COM STK	806857108	346	11,657	SH		SOLE		11,657	0	0
SCHLUMBERGER LTD	COM STK	806857108	39	1,300	SH		OTR		1,300	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	338	6,495	SH		SOLE		6,495	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	141	2,700	SH		OTR		2,700	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	531	14,140	SH		SOLE		14,140	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	150	4,000	SH		OTR		4,000	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	456	4,663	SH		SOLE		4,663	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	158	1,610	SH		OTR		1,610	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	410	2,745	SH		SOLE		2,745	0	0
SOUTHERN CO	COM	842587107	687	11,093	SH		SOLE		11,093	0	0
SOUTHERN CO	COM	842587107	20	325	SH		OTR		325	0	0
STANLEY BLACK & DECKER INC	COM	854502101	338	1,926	SH		SOLE		1,926	0	0
STANLEY BLACK & DECKER INC	COM	854502101	37	211	SH		OTR		211	0	0
STARBUCKS CORP	COM	855244109	571	5,175	SH		SOLE		5,175	0	0
STRYKER CORPORATION	COM	863667101	264	1,000	SH		OTR		1,000	0	0
SUMMIT FINL GROUP INC	COM	86606G101	4,155	169,505	SH		SOLE		169,505	0	0
SUMMIT FINL GROUP INC	COM	86606G101	627	25,578	SH		OTR		24,500	0	1,078
SYSCO CORP	COM	871829107	313	3,987	SH		SOLE		3,987	0	0
SYSCO CORP	COM	871829107	20	260	SH		OTR		260	0	0
TARGET CORP	COM	87612E106	647	2,830	SH		SOLE		2,830	0	0
TEXAS INSTRS INC	COM	882508104	389	2,022	SH		SOLE		2,022	0	0
THERMO FISHER SCIENTIFIC IN	C COM	883556102	300	525	SH		SOLE		525	0	0
3M CO	COM	88579Y101	324	1,846	SH		SOLE		1,846	0	0
3M CO	COM	88579Y101	211	1,200	SH		OTR		1,200	0	0
TRACTOR SUPPLY CO	COM	892356106	247	1,218	SH		SOLE		1,218	0	0
TRUIST FINL CORP	COM	89832Q109	787	13,414	SH		SOLE		13,414	0	0
US BANCORP DEL	COM NEW	902973304	320	5,377	SH		SOLE		5,377	0	0
UNION PAC CORP	COM	907818108	270	1,380	SH		SOLE		1,380	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	254	651	SH		SOLE		651	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	78	200	SH		OTR		0	0	200
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	281	1,095	SH		SOLE		1,095	0	0
VANECK ETF TRUST	AGRIBUSINESS ETF	92189F700	226	2,475	SH		SOLE		2,475	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	614	9,831	SH		SOLE		9,831	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	376	2,445	SH		SOLE		2,445	0	0
VANGUARD TAX-MANAGED INTL F	D FTSE DEV MKT ETF	921943858	2,796	55,380	SH		SOLE		55,380	0	0
VANGUARD TAX-MANAGED INTL F	D FTSE DEV MKT ETF	921943858	281	5,557	SH		OTR		5,557	0	0
VANGUARD INTL EQUITY INDEX	F ALLWRLD EX US	922042775	2,860	46,921	SH		SOLE		46,921	0	0
VANGUARD INTL EQUITY INDEX	F ALLWRLD EX US	922042775	229	3,761	SH		OTR		3,761	0	0
VANGUARD INTL EQUITY INDEX	F FTSE EMR MKT ETF	922042858	3,656	73,114	SH		SOLE		73,114	0	0
VANGUARD INTL EQUITY INDEX	F FTSE EMR MKT ETF	922042858	274	5,479	SH		OTR		5,479	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,619	29,980	SH		SOLE		29,980	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	92	1,704	SH		OTR		1,418	0	286
VISA INC	COM CL A	92826C839	632	2,837	SH		SOLE		2,837	0	0
WALMART INC	COM	931142103	793	5,688	SH		SOLE		5,688	0	0
WASTE MGMT INC DEL	COM	94106L109	1,971	13,198	SH		SOLE		13,198	0	0
WASTE MGMT INC DEL	COM	94106L109	403	2,700	SH		OTR		2,700	0	0
WELLS FARGO CO NEW	COM	949746101	274	5,896	SH		SOLE		5,896	0	0
WELLS FARGO CO NEW	COM	949746101	552	11,889	SH		OTR		11,889	0	0
WELLTOWER INC	COM	95040Q104	628	7,618	SH		SOLE		7,618	0	0