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:

12-31-2021

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	01-07-2022
[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:	320
	Form 13F Information Table Value Total:	307,171
		(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	402	969	SH		SOLE		969	0	0
MEDTRONIC PLC	SHS	G5960L103	305	2,948	SH		SOLE		2,948	0	0
MEDTRONIC PLC	SHS	G5960L103	16	155	SH		OTR		155	0	0
CHUBB LIMITED	COM	H1467J104	378	1,954	SH		SOLE		1,954	0	0
CHUBB LIMITED	COM	H1467J104	11	57	SH		OTR		57	0	0
ALPS ETF TR	MED BREAKTHGH	00162Q593	433	10,250	SH		SOLE		10,250	0	0
AT&T INC	COM	00206R102	1,178	47,879	SH		SOLE		47,879	0	0
AT&T INC	COM	00206R102	186	7,567	SH		OTR		7,154	0	413
ABBOTT LABS	COM	002824100	707	5,020	SH		SOLE		5,020	0	0
ABBOTT LABS	COM	002824100	155	1,100	SH		OTR		1,100	0	0
ABBVIE INC	COM	00287Y109	1,443	10,659	SH		SOLE		10,659	0	0
ABBVIE INC	COM	00287Y109	179	1,325	SH		OTR		1,325	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	423	746	SH		SOLE		746	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,354	4,450	SH		SOLE		4,450	0	0
ALPHABET INC	CAP STK CL C	02079K107	906	313	SH		SOLE		313	0	0
ALPHABET INC	CAP STK CL A	02079K305	991	342	SH		SOLE		342	0	0
ALTRIA GROUP INC	COM	02209S103	258	5,450	SH		SOLE		5,450	0	0
ALTRIA GROUP INC	COM	02209S103	261	5,515	SH		OTR		5,465	0	50
AMAZON COM INC	COM	023135106	1,627	488	SH		SOLE		488	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	1,014	11,400	SH		SOLE		11,400	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	117	1,312	SH		OTR		1,312	0	0
AMERICAN EXPRESS CO	COM	025816109	228	1,395	SH		SOLE		1,395	0	0
AMERICAN EXPRESS CO	COM	025816109	245	1,500	SH		OTR		1,500	0	0
AMGEN INC	COM	031162100	185	823	SH		SOLE		823	0	0
AMGEN INC	COM	031162100	112	500	SH		OTR		500	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	246	6,130	SH		SOLE		6,130	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	176	4,370	SH		OTR		4,370	0	0
ANTHEM INC	COM	036752103	345	744	SH		SOLE		744	0	0
APPLE INC	COM	037833100	6,037	34,000	SH		SOLE		34,000	0	0
APPLIED MATLS INC	COM	038222105	385	2,447	SH		SOLE		2,447	0	0
AUTODESK INC	COM	052769106	1,687	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	867	3,515	SH		SOLE		3,515	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	25	100	SH		OTR		100	0	0
BP PLC	SPONSORED ADR	055622104	213	8,000	SH		SOLE		8,000	0	0
BK OF AMERICA CORP	COM	060505104	260	5,835	SH		SOLE		5,835	0	0
BK OF AMERICA CORP	COM	060505104	221	4,959	SH		OTR		4,859	0	100
BAXTER INTL INC	COM	071813109	812	9,455	SH		SOLE		9,455	0	0
BECTON DICKINSON & CO	COM	075887109	133	527	SH		SOLE		527	0	0
BECTON DICKINSON & CO	COM	075887109	151	600	SH		OTR		600	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	901	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	909	3,040	SH		SOLE		3,040	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	37	124	SH		OTR		0	0	124
BLACK HILLS CORP	COM	092113109	565	8,000	SH		SOLE		8,000	0	0
BLACKROCK INC	COM	09247X101	207	226	SH		SOLE		226	0	0
BOEING CO	COM	097023105	208	1,032	SH		SOLE		1,032	0	0
BOEING CO	COM	097023105	304	1,510	SH		OTR		1,460	0	50
BRISTOL-MYERS SQUIBB CO	COM	110122108	630	10,100	SH		SOLE		10,100	0	0
CSX CORP	COM	126408103	4,136	109,996	SH		SOLE		109,996	0	0
CSX CORP	COM	126408103	346	9,207	SH		OTR		0	0	9,207
CAESARS ENTERTAINMENT INC NE	COM	12769G100	317	3,393	SH		SOLE		3,393	0	0
CAPITAL ONE FINL CORP	COM	14040H105	271	1,865	SH		SOLE		1,865	0	0
CAPITAL ONE FINL CORP	COM	14040H105	370	2,547	SH		OTR		2,547	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	217	4,004	SH		SOLE		4,004	0	0
CATERPILLAR INC	COM	149123101	788	3,812	SH		SOLE		3,812	0	0
CATERPILLAR INC	COM	149123101	207	1,000	SH		OTR		1,000	0	0
CHEVRON CORP NEW	COM	166764100	1,042	8,876	SH		SOLE		8,876	0	0
CHEVRON CORP NEW	COM	166764100	393	3,350	SH		OTR		3,350	0	0
CISCO SYS INC	COM	17275R102	2,158	34,050	SH		SOLE		34,050	0	0
CISCO SYS INC	COM	17275R102	54	850	SH		OTR		850	0	0
COCA COLA CO	COM	191216100	3,201	54,057	SH		SOLE		54,057	0	0
COCA COLA CO	COM	191216100	142	2,400	SH		OTR		2,400	0	0
COLGATE PALMOLIVE CO	COM	194162103	874	10,236	SH		SOLE		10,236	0	0
COLGATE PALMOLIVE CO	COM	194162103	320	3,750	SH		OTR		3,750	0	0
COMCAST CORP NEW	CL A	20030N101	259	5,143	SH		SOLE		5,143	0	0
COMCAST CORP NEW	CL A	20030N101	125	2,481	SH		OTR		1,467	0	1,014
CONOCOPHILLIPS	COM	20825C104	331	4,584	SH		SOLE		4,584	0	0
COSTCO WHSL CORP NEW	COM	22160K105	287	505	SH		SOLE		505	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	324	1,553	SH		SOLE		1,553	0	0
DARDEN RESTAURANTS INC	COM	237194105	453	3,009	SH		SOLE		3,009	0	0
DIREXION SHS ETF TR	AUSPCE CMD STG	25460E307	649	22,250	SH		SOLE		22,250	0	0
DISNEY WALT CO	COM	254687106	3,045	19,660	SH		SOLE		19,660	0	0
DISNEY WALT CO	COM	254687106	186	1,200	SH		OTR		1,200	0	0
DOMINION ENERGY INC	COM	25746U109	560	7,124	SH		SOLE		7,124	0	0
DOMINION ENERGY INC	COM	25746U109	72	911	SH		OTR		911	0	0
DOW INC	COM	260557103	272	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	832	7,931	SH		SOLE		7,931	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	54	513	SH		OTR		513	0	0
DUPONT DE NEMOURS INC	COM	26614N102	756	9,356	SH		SOLE		9,356	0	0
DUPONT DE NEMOURS INC	COM	26614N102	78	964	SH		OTR		964	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	707	12,177	SH		SOLE		12,177	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	116	2,000	SH		OTR		2,000	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	2,550	19,680	SH		SOLE		19,680	0	0
EMERSON ELEC CO	COM	291011104	1,648	17,725	SH		SOLE		17,725	0	0
EMERSON ELEC CO	COM	291011104	288	3,100	SH		OTR		3,100	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	1,486	21,196	SH		SOLE		21,196	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	161	2,300	SH		OTR		2,300	0	0
EXXON MOBIL CORP	COM	30231G102	2,548	41,640	SH		SOLE		41,640	0	0
EXXON MOBIL CORP	COM	30231G102	481	7,866	SH		OTR		7,778	0	88
META PLATFORMS INC	CL A	30303M102	496	1,475	SH		SOLE		1,475	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	1,200	35,898	SH		SOLE		35,898	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	107	3,195	SH		OTR		3,195	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	31983A103	1,393	6,160	SH		SOLE		6,160	0	0
FIRST TR EXCHANGE-TRADED FD	NASDAQ CYB ETF	33734X846	1,637	31,008	SH		SOLE		31,008	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,636	13,810	SH		SOLE		13,810	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC EF	33739E108	508	25,006	SH		SOLE		25,006	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC EF	33739E109	4	213	SH		OTR		213	0	0
FISERV INC	COM	337738108	1,693	16,315	SH		SOLE		16,315	0	0
FRANKLIN RESOURCES INC	COM	354613101	477	14,250	SH		SOLE		14,250	0	0
GAMING & LEISURE PPTYS INC	COM	36467J108	458	9,416	SH		SOLE		9,416	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,072	5,142	SH		SOLE		5,142	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	263	2,786	SH		SOLE		2,786	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	46	482	SH		OTR		182	0	300
GENERAL MLS INC	COM	370334104	500	7,422	SH		SOLE		7,422	0	0
GLOBAL X FDS	US INFR DEV ET	37954Y673	732	25,420	SH		SOLE		25,420	0	0
GLOBAL X FDS	US INFR DEV ET	37954Y673	184	6,400	SH		OTR		6,400	0	0
HARTFORD FINL SVCS GROUP INC	COM	416515104	203	2,945	SH		SOLE		2,945	0	0
HERSHEY CO	COM	427866108	1,320	6,825	SH		SOLE		6,825	0	0
HOME DEPOT INC	COM	437076102	3,196	7,702	SH		SOLE		7,702	0	0
HOME DEPOT INC	COM	437076102	605	1,458	SH		OTR		1,358	0	100
HONEYWELL INTL INC	COM	438516106	1,288	6,175	SH		SOLE		6,175	0	0
HONEYWELL INTL INC	COM	438516106	57	275	SH		OTR		275	0	0
INTEL CORP	COM	458140100	1,997	38,770	SH		SOLE		38,770	0	0
INTEL CORP	COM	458140100	103	2,000	SH		OTR		2,000	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,365	9,978	SH		SOLE		9,978	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	653	4,883	SH		SOLE		4,883	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	596	4,460	SH		OTR		700	0	3,760
INVESCO QQQ TR	UNIT SER 1	46090E103	4,705	11,825	SH		SOLE		11,825	0	0
INTUIT	COM	461202103	294	457	SH		SOLE		457	0	0
INVESCO EXCHANGE TRADED FD T	S&P SML600 VAL	46137V167	464	4,825	SH		SOLE		4,825	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	7,052	43,329	SH		SOLE		43,329	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	163	1,000	SH		OTR		1,000	0	0
INVESCO EXCHANGE TRADED FD T	GBL LISTED PVT	46137V589	230	14,845	SH		SOLE		14,845	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	875	11,070	SH		SOLE		11,070	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	342	4,330	SH		OTR		4,330	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	1,484	57,267	SH		SOLE		57,267	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	216	8,325	SH		OTR		8,325	0	0
ISHARES SILVER TR	ISHARES	46428Q109	259	12,025	SH		SOLE		12,025	0	0
ISHARES SILVER TR	ISHARES	46428Q109	12	550	SH		OTR		550	0	0
ISHARES TR	S&P 100 ETF	464287101	760	3,470	SH		SOLE		3,470	0	0
ISHARES TR	CORE S&P TTL STK	464287150	274	2,560	SH		SOLE		2,560	0	0
ISHARES TR	SELECT DIVID ETF	464287168	4,596	37,488	SH		SOLE		37,488	0	0
ISHARES TR	SELECT DIVID ETF	464287168	502	4,096	SH		OTR		4,096	0	0
ISHARES TR	TIPS BD ETF	464287176	314	2,434	SH		SOLE		2,434	0	0
ISHARES TR	CORE S&P500 ET	464287200	4,706	9,867	SH		SOLE		9,867	0	0
ISHARES TR	CORE US AGGBD ET	464287226	8,425	73,851	SH		SOLE		73,851	0	0
ISHARES TR	CORE US AGGBD ET	464287226	25	215	SH		OTR		215	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	4,801	98,284	SH		SOLE		98,284	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	508	10,395	SH		OTR		10,395	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	234	1,765	SH		SOLE		1,765	0	0
ISHARES TR	GLOBAL TECH ET	464287291	488	7,584	SH		SOLE		7,584	0	0
ISHARES TR	GLOBAL TECH ET	464287291	1,207	18,744	SH		OTR		18,744	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,770	21,156	SH		SOLE		21,156	0	0
ISHARES TR	GLOB HLTHCRE ETF	464287325	250	2,764	SH		SOLE		2,764	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	4,928	57,614	SH		SOLE		57,614	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	308	3,600	SH		OTR		3,600	0	0
ISHARES TR	MSCI EAFE ETF	464287465	5,504	69,948	SH		SOLE		69,948	0	0
ISHARES TR	MSCI EAFE ETF	464287465	380	4,826	SH		OTR		4,826	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,637	14,208	SH		SOLE		14,208	0	0
ISHARES TR	RUS MID CAP ETF	464287499	3,427	41,283	SH		SOLE		41,283	0	0
ISHARES TR	RUS MID CAP ETF	464287499	25	300	SH		OTR		300	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	5,960	21,053	SH		SOLE		21,053	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	694	2,450	SH		OTR		2,450	0	0
ISHARES TR	ISHARES BIOTECH	464287556	1,067	6,994	SH		SOLE		6,994	0	0
ISHARES TR	ISHARES BIOTECH	464287556	227	1,485	SH		OTR		1,485	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	258	3,305	SH		SOLE		3,305	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	1,394	8,303	SH		SOLE		8,303	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	155	925	SH		OTR		925	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	392	4,597	SH		SOLE		4,597	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	2,705	8,853	SH		SOLE		8,853	0	0
ISHARES TR	RUS 1000 ETF	464287622	733	2,772	SH		SOLE		2,772	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	381	1,300	SH		SOLE		1,300	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	2,637	11,855	SH		SOLE		11,855	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	278	1,250	SH		OTR		1,250	0	0
ISHARES TR	RUSSELL 3000 ETF	464287689	243	875	SH		SOLE		875	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	316	2,725	SH		SOLE		2,725	0	0
ISHARES TR	US INDUSTRIALS	464287754	23	200	SH		SOLE		200	0	0
ISHARES TR	US INDUSTRIALS	464287754	338	3,000	SH		OTR		3,000	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	858	4,445	SH		SOLE		4,445	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	7,909	69,068	SH		SOLE		69,068	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	573	5,000	SH		OTR		5,000	0	0
ISHARES TR	S&P SML 600 GWT	464287887	587	4,232	SH		SOLE		4,232	0	0
ISHARES TR	MSCI ACWI EX US	464288240	603	10,837	SH		SOLE		10,837	0	0
ISHARES TR	MSCI ACWI ETF	464288257	230	2,170	SH		SOLE		2,170	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	926	29,704	SH		SOLE		29,704	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,592	18,300	SH		SOLE		18,300	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	144	1,650	SH		OTR		1,650	0	0
ISHARES TR	MBS ETF	464288588	830	7,730	SH		SOLE		7,730	0	0
ISHARES TR	MBS ETF	464288588	141	1,315	SH		OTR		1,315	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	313	5,284	SH		SOLE		5,284	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	3,272	60,722	SH		SOLE		60,722	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	108	2,000	SH		OTR		2,000	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	4,789	37,216	SH		SOLE		37,216	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	270	2,100	SH		OTR		2,100	0	0
ISHARES TR	PFD AND INCM SEC	464288687	4,096	103,891	SH		SOLE		103,891	0	0
ISHARES TR	PFD AND INCM SEC	464288687	245	6,210	SH		OTR		6,210	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	331	5,020	SH		SOLE		5,020	0	0
ISHARES TR	U.S. MED DVC EFT	464288810	1,083	16,440	SH		OTR		16,440	0	0
ISHARES TR	US OIL EQ&SV EFT	464288844	188	14,570	SH		SOLE		14,570	0	0
ISHARES TR	MICRO-CAP ETF	464288869	384	2,750	SH		SOLE		2,750	0	0
ISHARES TR	US TREAS BD ETF	46429B267	686	25,707	SH		SOLE		25,707	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	761	15,002	SH		SOLE		15,002	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	2,763	27,360	SH		SOLE		27,360	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	14	138	SH		OTR		138	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	1,473	29,488	SH		SOLE		29,488	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	285	5,700	SH		OTR		5,700	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	314	1,729	SH		SOLE		1,729	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	340	5,075	SH		SOLE		5,075	0	0
ISHARES TR	FALN ANGLS USD	46435G474	255	8,500	SH		SOLE		8,500	0	0
ISHARES TR	CORE INTL AGGR	46435G672	273	5,000	SH		SOLE		5,000	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,904	12,024	SH		SOLE		12,024	0	0
JPMORGAN CHASE & CO	COM	46625H100	356	2,246	SH		OTR		2,246	0	0
JOHNSON & JOHNSON	COM	478160104	5,706	33,355	SH		SOLE		33,355	0	0
JOHNSON & JOHNSON	COM	478160104	1,082	6,325	SH		OTR		6,325	0	0
KIMBERLY-CLARK CORP	COM	494368103	282	1,975	SH		SOLE		1,975	0	0
KRAFT HEINZ CO	COM	500754106	306	8,536	SH		SOLE		8,536	0	0
KRAFT HEINZ CO	COM	500754106	31	858	SH		OTR		858	0	0
LILLY ELI & CO	COM	532457108	4,049	14,660	SH		SOLE		14,660	0	0
LILLY ELI & CO	COM	532457108	46	165	SH		OTR		165	0	0
LOWES COS INC	COM	548661107	950	3,676	SH		SOLE		3,676	0	0
LOWES COS INC	COM	548661107	185	715	SH		OTR		715	0	0
MANULIFE FINL CORP	COM	56501R106	309	16,194	SH		SOLE		16,194	0	0
MCDONALDS CORP	COM	580135101	817	3,047	SH		SOLE		3,047	0	0
MCDONALDS CORP	COM	580135101	23	85	SH		OTR		85	0	0
MERCK & CO INC	COM	58933Y105	377	4,920	SH		SOLE		4,920	0	0
MERCK & CO INC	COM	58933Y105	184	2,400	SH		OTR		2,400	0	0
MICROSOFT CORP	COM	594918104	9,389	27,918	SH		SOLE		27,918	0	0
MICROSOFT CORP	COM	594918104	2,598	7,725	SH		OTR		7,725	0	0
MONDELEZ INTL INC	CL A	609207105	326	4,910	SH		SOLE		4,910	0	0
MONDELEZ INTL INC	CL A	609207105	108	1,634	SH		OTR		1,600	0	34
NESTLE S A	SPONSORED ADR	641069406	332	2,373	SH		SOLE		2,373	0	0
NESTLE S A	SPONSORED ADR	641069406	31	220	SH		OTR		220	0	0
NEXTERA ENERGY INC	COM	65339F101	1,500	16,064	SH		SOLE		16,064	0	0
NORFOLK SOUTHN CORP	COM	655844108	2,634	8,848	SH		SOLE		8,848	0	0
NORFOLK SOUTHN CORP	COM	655844108	666	2,238	SH		OTR		615	0	1,623
NOVARTIS AG	SPONSORED ADR	66987V109	330	3,769	SH		SOLE		3,769	0	0
OREILLY AUTOMOTIVE INC	COM	67103H107	232	329	SH		SOLE		329	0	0
ORACLE CORP	COM	68389X105	334	3,825	SH		SOLE		3,825	0	0
PAYCHEX INC	COM	704326107	157	1,150	SH		SOLE		1,150	0	0
PAYCHEX INC	COM	704326107	62	455	SH		OTR		455	0	0
PENN NATL GAMING INC	COM	707569109	294	5,661	SH		SOLE		5,661	0	0
PEPSICO INC	COM	713448108	2,130	12,264	SH		SOLE		12,264	0	0
PEPSICO INC	COM	713448108	235	1,350	SH		OTR		1,350	0	0
PFIZER INC	COM	717081103	1,641	27,798	SH		SOLE		27,798	0	0
PFIZER INC	COM	717081103	446	7,550	SH		OTR		7,550	0	0
PHILIP MORRIS INTL INC	COM	718172109	325	3,420	SH		SOLE		3,420	0	0
PHILIP MORRIS INTL INC	COM	718172109	486	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	6,997	42,777	SH		SOLE		42,777	0	0
PROCTER AND GAMBLE CO	COM	742718109	996	6,090	SH		OTR		6,090	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	1,131	12,700	SH		OTR		12,700	0	0
QUALCOMM INC	COM	747525103	897	4,903	SH		SOLE		4,903	0	0
QUALCOMM INC	COM	747525103	50	275	SH		OTR		275	0	0
RGC RES INC	COM	74955L103	936	40,658	SH		SOLE		40,658	0	0
RGC RES INC	COM	74955L103	152	6,611	SH		OTR		6,611	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	2,363	27,459	SH		SOLE		27,459	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	231	2,680	SH		OTR		2,680	0	0
REALTY INCOME CORP	COM	756109104	157	2,200	SH		SOLE		2,200	0	0
REALTY INCOME CORP	COM	756109104	107	1,500	SH		OTR		1,500	0	0
RENAISSANCE CAP GREENWICH FD	IPO ETF	759937204	987	17,065	SH		SOLE		17,065	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	308	7,090	SH		SOLE		7,090	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	7,813	16,450	SH		SOLE		16,450	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	196	413	SH		OTR		413	0	0
SPDR SER TR	BLOOMBERG CONV	78464A359	390	4,700	SH		SOLE		4,700	0	0
SPDR SER TR	HLTH CR EQUIP	78464A581	158	1,345	SH		SOLE		1,345	0	0
SPDR SER TR	HLTH CR EQUIP	78464A581	138	1,175	SH		OTR		1,175	0	0
SPDR SER TR	DJ REIT ETF	78464A607	1,108	9,067	SH		SOLE		9,067	0	0
SPDR SER TR	DJ REIT ETF	78464A607	366	3,000	SH		OTR		3,000	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	709	15,529	SH		SOLE		15,529	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	142	3,120	SH		OTR		3,120	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	1,064	39,172	SH		SOLE		39,172	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	143	5,250	SH		OTR		5,250	0	0
SCHLUMBERGER LTD	COM STK	806857108	349	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	470	8,470	SH		SOLE		8,470	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	150	2,700	SH		OTR		2,700	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	683	17,485	SH		SOLE		17,485	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	156	4,000	SH		OTR		4,000	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	493	4,663	SH		SOLE		4,663	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	170	1,610	SH		OTR		1,610	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	474	2,727	SH		SOLE		2,727	0	0
SOUTHERN CO	COM	842587107	761	11,093	SH		SOLE		11,093	0	0
SOUTHERN CO	COM	842587107	22	325	SH		OTR		325	0	0
STANLEY BLACK & DECKER INC	COM	854502101	363	1,926	SH		SOLE		1,926	0	0
STANLEY BLACK & DECKER INC	COM	854502101	40	211	SH		OTR		211	0	0
STARBUCKS CORP	COM	855244109	737	6,300	SH		SOLE		6,300	0	0
STRYKER CORPORATION	COM	863667101	267	1,000	SH		OTR		1,000	0	0
SUMMIT FINL GROUP INC	COM	86606G101	5,434	197,951	SH		SOLE		197,951	0	0
SUMMIT FINL GROUP INC	COM	86606G101	1,398	50,912	SH		OTR		49,834	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	655	2,830	SH		SOLE		2,830	0	0
TEXAS INSTRS INC	COM	882508104	381	2,019	SH		SOLE		2,019	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	350	525	SH		SOLE		525	0	0
3M CO	COM	88579Y101	328	1,846	SH		SOLE		1,846	0	0
3M CO	COM	88579Y101	213	1,200	SH		OTR		1,200	0	0
TRACTOR SUPPLY CO	COM	892356106	291	1,218	SH		SOLE		1,218	0	0
TRUIST FINL CORP	COM	89832Q109	1,078	18,414	SH		SOLE		18,414	0	0
US BANCORP DEL	COM NEW	902973304	302	5,377	SH		SOLE		5,377	0	0
UNION PAC CORP	COM	907818108	348	1,380	SH		SOLE		1,380	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	242	1,127	SH		SOLE		1,127	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	59	275	SH		OTR		275	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	277	551	SH		SOLE		551	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	100	200	SH		OTR		0	0	200
VANECK ETF TRUST	PREFERRED SECURT	92189F429	228	10,420	SH		SOLE		10,420	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	386	1,250	SH		SOLE		1,250	0	0
VANECK ETF TRUST	AGRIBUSINESS ETF	92189F700	281	2,945	SH		SOLE		2,945	0	0
VANECK ETF TRUST	HIGH YLD MUNIEF	92189H409	684	10,951	SH		SOLE		10,951	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	562	3,270	SH		SOLE		3,270	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	2,828	55,380	SH		SOLE		55,380	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	284	5,557	SH		OTR		5,557	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	2,852	46,536	SH		SOLE		46,536	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	230	3,761	SH		OTR		3,761	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,616	73,114	SH		SOLE		73,114	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	271	5,479	SH		OTR		5,479	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	205	3,000	SH		SOLE		3,000	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	165	1,424	SH		SOLE		1,424	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	42	365	SH		OTR		365	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,569	30,202	SH		SOLE		30,202	0	0
VERIZON COMMUNICATIONSINC	COM	92343V104	89	1,704	SH		OTR		1,418	0	286
VISA INC	COM CL A	92826C839	593	2,737	SH		SOLE		2,737	0	0
WALMART INC	COM	931142103	837	5,788	SH		SOLE		5,788	0	0
WASTE MGMT INC DEL	COM	94106L109	2,203	13,198	SH		SOLE		13,198	0	0
WASTE MGMT INC DEL	COM	94106L109	451	2,700	SH		OTR		2,700	0	0
WELLS FARGO CO NEW	COM	949746101	283	5,896	SH		SOLE		5,896	0	0
WELLS FARGO CO NEW	COM	949746101	570	11,889	SH		OTR		11,889	0	0
WELLTOWER INC	COM	95040Q104	653	7,618	SH		SOLE		7,618	0	0
WEYERHAEUSER CO MTN BE	COM NEW	962166104	168	4,082	SH		SOLE		4,082	0	0
WEYERHAEUSER CO MTN BE	COM NEW	962166104	62	1,506	SH		OTR		1,506	0	0