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:

06-30-2022

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:	Lisa Lester
Title:	Operations Assistant
Phone:	304-324-3220
Signature, Place, and Date of Signing:
/s/ Lisa Lester		Moorefield, WV	07-07-2022
[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:	310
	Form 13F Information Table Value Total:	259,090
		(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
MEDTRONIC PLC	SHS	G5960L103	265	2,948	SH		SOLE		2,948	0	0
MEDTRONIC PLC	SHS	G5960L103	14	155	SH		OTR		155	0	0
CHUBB LIMITED	COM	H1467J104	384	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	241	8,700	SH		SOLE		8,700	0	0
AT&T INC	COM	00206R102	957	45,660	SH		SOLE		45,660	0	0
AT&T INC	COM	00206R102	150	7,154	SH		OTR		7,154	0	0
ABBOTT LABS	COM	002824100	542	4,990	SH		SOLE		4,990	0	0
ABBOTT LABS	COM	002824100	120	1,100	SH		OTR		1,100	0	0
ABBVIE INC	COM	00287Y109	1,368	8,933	SH		SOLE		8,933	0	0
ABBVIE INC	COM	00287Y109	203	1,325	SH		OTR		1,325	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	251	686	SH		SOLE		686	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,058	4,400	SH		SOLE		4,400	0	0
ALPHABET INC	CAP STK CL C	02079K107	444	203	SH		SOLE		203	0	0
ALPHABET INC	CAP STK CL A	02079K305	909	417	SH		SOLE		417	0	0
ALTRIA GROUP INC	COM	02209S103	218	5,225	SH		SOLE		5,225	0	0
ALTRIA GROUP INC	COM	02209S103	228	5,465	SH		OTR		5,465	0	0
AMAZON COM INC	COM	023135106	1,181	11,115	SH		SOLE		11,115	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	1,086	11,324	SH		SOLE		11,324	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	126	1,312	SH		OTR		1,312	0	0
AMERICAN EXPRESS CO	COM	025816109	270	1,950	SH		SOLE		1,950	0	0
AMERICAN EXPRESS CO	COM	025816109	208	1,500	SH		OTR		1,500	0	0
AMGEN INC	COM	031162100	200	823	SH		SOLE		823	0	0
AMGEN INC	COM	031162100	122	500	SH		OTR		500	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	117	6,455	SH		SOLE		6,455	0	0
AMPLIFY ETF TR	BLOCKCHAIN LDR	032108607	79	4,370	SH		OTR		4,370	0	0
ELEVANCE HEALTH INC	COM	036752103	359	744	SH		SOLE		744	0	0
APPLE INC	COM	037833100	3,816	27,913	SH		SOLE		27,913	0	0
APPLE INC	COM	037833100	130	949	SH		OTR		949	0	0
APPLIED MATLS INC	COM	038222105	223	2,447	SH		SOLE		2,447	0	0
AUTODESK INC	COM	052769106	1,032	6,000	SH		SOLE		6,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	702	3,340	SH		SOLE		3,340	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	21	100	SH		OTR		100	0	0
BP PLC	SPONSORED ADR	055622104	227	8,000	SH		SOLE		8,000	0	0
BK OF AMERICA CORP	COM	060505104	218	7,000	SH		SOLE		7,000	0	0
BK OF AMERICA CORP	COM	060505104	151	4,859	SH		OTR		4,859	0	0
BAXTER INTL INC	COM	071813109	607	9,455	SH		SOLE		9,455	0	0
BECTON DICKINSON & CO	COM	075887109	130	527	SH		SOLE		527	0	0
BECTON DICKINSON & CO	COM	075887109	148	600	SH		OTR		600	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	818	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	847	3,102	SH		SOLE		3,102	0	0
BLACK HILLS CORP	COM	092113109	582	8,000	SH		SOLE		8,000	0	0
BOEING CO	COM	097023105	138	1,007	SH		SOLE		1,007	0	0
BOEING CO	COM	097023105	200	1,460	SH		OTR		1,460	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	701	9,100	SH		SOLE		9,100	0	0
CSX CORP	COM	126408103	3,318	114,165	SH		SOLE		114,165	0	0
CAPITAL ONE FINL CORP	COM	14040H105	194	1,865	SH		SOLE		1,865	0	0
CAPITAL ONE FINL CORP	COM	14040H105	265	2,547	SH		OTR		2,547	0	0
CATERPILLAR INC	COM	149123101	656	3,667	SH		SOLE		3,667	0	0
CATERPILLAR INC	COM	149123101	179	1,000	SH		OTR		1,000	0	0
CHEVRON CORP NEW	COM	166764100	1,405	9,706	SH		SOLE		9,706	0	0
CHEVRON CORP NEW	COM	166764100	485	3,350	SH		OTR		3,350	0	0
CISCO SYS INC	COM	17275R102	1,394	32,688	SH		SOLE		32,688	0	0
CISCO SYS INC	COM	17275R102	84	1,975	SH		OTR		1,975	0	0
COCA COLA CO	COM	191216100	3,300	52,448	SH		SOLE		52,448	0	0
COCA COLA CO	COM	191216100	233	3,700	SH		OTR		3,700	0	0
COLGATE PALMOLIVE CO	COM	194162103	812	10,136	SH		SOLE		10,136	0	0
COLGATE PALMOLIVE CO	COM	194162103	301	3,750	SH		OTR		3,750	0	0
COMCAST CORP NEW	CL A	20030N101	222	5,650	SH		SOLE		5,650	0	0
COMCAST CORP NEW	CL A	20030N101	58	1,467	SH		OTR		1,467	0	0
CONOCOPHILLIPS	COM	20825C104	412	4,584	SH		SOLE		4,584	0	0
CORTEVA INC	COM	22052L104	160	2,950	SH		SOLE		2,950	0	0
CORTEVA INC	COM	22052L104	64	1,177	SH		OTR		1,177	0	0
COSTCO WHSL CORP NEW	COM	22160K105	216	450	SH		SOLE		450	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	261	1,553	SH		SOLE		1,553	0	0
DARDEN RESTAURANTS INC	COM	237194105	340	3,009	SH		SOLE		3,009	0	0
DIREXION SHS ETF TR	AUSPCE CMD STG	25460E307	2,148	69,315	SH		SOLE		69,315	0	0
DISNEY WALT CO	COM	254687106	1,856	19,660	SH		SOLE		19,660	0	0
DISNEY WALT CO	COM	254687106	113	1,200	SH		OTR		1,200	0	0
DOMINION ENERGY INC	COM	25746U109	557	6,984	SH		SOLE		6,984	0	0
DOMINION ENERGY INC	COM	25746U109	78	973	SH		OTR		973	0	0
DOW INC	COM	260557103	248	4,803	SH		SOLE		4,803	0	0
DOW INC	COM	260557103	65	1,264	SH		OTR		1,264	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	655	6,111	SH		SOLE		6,111	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	55	513	SH		OTR		513	0	0
DUPONT DE NEMOURS INC	COM	26614N102	520	9,356	SH		SOLE		9,356	0	0
DUPONT DE NEMOURS INC	COM	26614N102	62	1,118	SH		OTR		1,118	0	0
ETF MANAGERS TR	PRIME MOBILE PAY	26924G409	364	9,296	SH		SOLE		9,296	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	1,871	19,680	SH		SOLE		19,680	0	0
EMERSON ELEC CO	COM	291011104	1,379	17,338	SH		SOLE		17,338	0	0
EMERSON ELEC CO	COM	291011104	247	3,100	SH		OTR		3,100	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	924	20,561	SH		SOLE		20,561	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	103	2,300	SH		OTR		2,300	0	0
EXXON MOBIL CORP	COM	30231G102	3,480	40,634	SH		SOLE		40,634	0	0
EXXON MOBIL CORP	COM	30231G102	666	7,778	SH		OTR		7,778	0	0
META PLATFORMS CDR CIBC	CL A	30303M102	257	1,595	SH		SOLE		1,595	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	1,025	34,839	SH		SOLE		34,839	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	131	4,442	SH		OTR		4,442	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	774	6,095	SH		SOLE		6,095	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	1,249	31,042	SH		SOLE		31,042	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,186	13,585	SH		SOLE		13,585	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	431	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	1,349	15,165	SH		SOLE		15,165	0	0
FRANKLIN RESOURCES INC	COM	354613101	407	17,440	SH		SOLE		17,440	0	0
GAMING & LEISURE PPTYS INC	COM	36467J108	432	9,416	SH		SOLE		9,416	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,180	5,332	SH		SOLE		5,332	0	0
GENERAL MLS INC	COM	370334104	549	7,272	SH		SOLE		7,272	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	735	32,265	SH		SOLE		32,265	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	146	6,400	SH		OTR		6,400	0	0
HERSHEY CO	COM	427866108	1,307	6,075	SH		SOLE		6,075	0	0
HOME DEPOT INC	COM	437076102	2,081	7,587	SH		SOLE		7,587	0	0
HOME DEPOT INC	COM	437076102	372	1,358	SH		OTR		1,358	0	0
HONEYWELL INTL INC	COM	438516106	1,044	6,005	SH		SOLE		6,005	0	0
HONEYWELL INTL INC	COM	438516106	48	275	SH		OTR		275	0	0
INTEL CORP	COM	458140100	1,389	37,118	SH		SOLE		37,118	0	0
INTEL CORP	COM	458140100	125	3,352	SH		OTR		3,352	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	938	9,978	SH		SOLE		9,978	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	924	6,541	SH		SOLE		6,541	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	99	700	SH		OTR		700	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	3,135	11,187	SH		SOLE		11,187	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	28	100	SH		OTR		100	0	0
INVESCO EXCHANGE TRADED FD T	S&P SML600 VAL	46137V167	896	10,785	SH		SOLE		10,785	0	0
INVESCO EXCHANGE TRADED FD T	S&P SML600 VAL	46137V167	129	1,550	SH		OTR		1,550	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	6,502	48,441	SH		SOLE		48,441	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	174	1,300	SH		OTR		1,300	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	859	14,660	SH		SOLE		14,660	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	254	4,330	SH		OTR		4,330	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	1,091	49,172	SH		SOLE		49,172	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	185	8,325	SH		OTR		8,325	0	0
ISHARES SILVER TR	ISHARES	46428Q109	187	10,025	SH		SOLE		10,025	0	0
ISHARES SILVER TR	ISHARES	46428Q109	10	550	SH		OTR		550	0	0
ISHARES TR	S&P 100 ETF	464287101	577	3,345	SH		SOLE		3,345	0	0
ISHARES TR	S&P 100 ETF	464287101	17	100	SH		OTR		100	0	0
ISHARES TR	CORE S&P TTL STK	464287150	210	2,510	SH		SOLE		2,510	0	0
ISHARES TR	SELECT DIVID ETF	464287168	4,668	39,669	SH		SOLE		39,669	0	0
ISHARES TR	SELECT DIVID ETF	464287168	482	4,096	SH		OTR		4,096	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,348	8,829	SH		SOLE		8,829	0	0
ISHARES TR	CORE S&P500 ETF	464287200	30	80	SH		OTR		80	0	0
ISHARES TR	CORE US AGGBD ET	464287226	7,006	68,899	SH		SOLE		68,899	0	0
ISHARES TR	CORE US AGGBD ET	464287226	22	215	SH		OTR		215	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	3,943	98,336	SH		SOLE		98,336	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	407	10,155	SH		OTR		10,155	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	322	7,054	SH		SOLE		7,054	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	857	18,744	SH		OTR		18,744	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,257	20,831	SH		SOLE		20,831	0	0
ISHARES TR	7-10YR TRSY BD	464287440	352	3,439	SH		SOLE		3,439	0	0
ISHARES TR	BARCLAYS 7 10 YR	464287440	419	3,614	SH		SOLE		3,614	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	4,281	51,705	SH		SOLE		51,705	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	298	3,600	SH		OTR		3,600	0	0
ISHARES TR	MSCI EAFE ETF	464287465	4,150	66,408	SH		SOLE		66,408	0	0
ISHARES TR	MSCI EAFE ETF	464287465	311	4,976	SH		OTR		4,976	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,019	12,859	SH		SOLE		12,859	0	0
ISHARES TR	RUS MID CAP ETF	464287499	2,823	43,653	SH		SOLE		43,653	0	0
ISHARES TR	RUS MID CAP ETF	464287499	18	285	SH		OTR		285	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	4,379	19,357	SH		SOLE		19,357	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	265	1,170	SH		OTR		1,170	0	0
ISHARES TR	ISHARES BIOTECH	464287556	834	7,094	SH		SOLE		7,094	0	0
ISHARES TR	ISHARES BIOTECH	464287556	175	1,485	SH		OTR		1,485	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	212	3,305	SH		SOLE		3,305	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	1,813	12,503	SH		SOLE		12,503	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	257	1,775	SH		OTR		1,775	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	270	4,240	SH		SOLE		4,240	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	1,948	8,908	SH		SOLE		8,908	0	0
ISHARES TR	RUS 1000 ETF	464287622	576	2,772	SH		SOLE		2,772	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	268	1,300	SH		SOLE		1,300	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	1,868	11,027	SH		SOLE		11,027	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	127	750	SH		OTR		750	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	251	2,725	SH		SOLE		2,725	0	0
ISHARES TR	US INDUSTRIALS	464287754	18	200	SH		SOLE		200	0	0
ISHARES TR	US INDUSTRIALS	464287754	264	3,000	SH		OTR		3,000	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	659	4,445	SH		SOLE		4,445	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	5,890	63,735	SH		SOLE		63,735	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	385	4,165	SH		OTR		4,165	0	0
ISHARES TR	S&P SML 600 GWT	464287887	442	4,200	SH		SOLE		4,200	0	0
ISHARES TR	MSCI ACWI EX US	464288240	557	12,382	SH		SOLE		12,382	0	0
ISHARES TR	MSCI ACWI ETF	464288257	295	3,515	SH		SOLE		3,515	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	1,284	47,263	SH		SOLE		47,263	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	160	5,901	SH		OTR		5,901	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,298	17,627	SH		SOLE		17,627	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	121	1,650	SH		OTR		1,650	0	0
ISHARES TR	MBS ETF	464288588	514	5,275	SH		SOLE		5,275	0	0
ISHARES TR	MBS ETF	464288588	128	1,315	SH		OTR		1,315	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	224	4,395	SH		SOLE		4,395	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	2,914	57,652	SH		SOLE		57,652	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	114	2,260	SH		OTR		2,260	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	4,277	35,838	SH		SOLE		35,838	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	251	2,100	SH		OTR		2,100	0	0
ISHARES TR	PFD AND INCM SEC	464288687	3,231	98,276	SH		SOLE		98,276	0	0
ISHARES TR	PFD AND INCM SEC	464288687	204	6,210	SH		OTR		6,210	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	242	4,795	SH		SOLE		4,795	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	829	16,440	SH		OTR		16,440	0	0
ISHARES TR	US OIL EQ&SV ETF	464288844	483	30,235	SH		SOLE		30,235	0	0
ISHARES TR	MICRO-CAP ETF	464288869	286	2,750	SH		SOLE		2,750	0	0
ISHARES TR	US TREAS BD ETF	46429B267	616	25,764	SH		SOLE		25,764	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	1,432	28,687	SH		SOLE		28,687	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	2,982	29,689	SH		SOLE		29,689	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	165	1,638	SH		OTR		1,638	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	1,894	38,458	SH		SOLE		38,458	0	0
ISHARES U S ETF TR	BLACKROCK ST MAT	46431W507	281	5,700	SH		OTR		5,700	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	236	1,729	SH		SOLE		1,729	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	262	4,950	SH		SOLE		4,950	0	0
ISHARES TR	FALN ANGLS USD	46435G474	209	8,500	SH		SOLE		8,500	0	0
ISHARES TR	CORE INTL AGGR	46435G672	249	5,000	SH		SOLE		5,000	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,413	12,549	SH		SOLE		12,549	0	0
JPMORGAN CHASE & CO	COM	46625H100	253	2,246	SH		OTR		2,246	0	0
JOHNSON & JOHNSON	COM	478160104	5,741	32,342	SH		SOLE		32,342	0	0
JOHNSON & JOHNSON	COM	478160104	1,220	6,875	SH		OTR		6,875	0	0
KIMBERLY-CLARK CORP	COM	494368103	206	1,525	SH		SOLE		1,525	0	0
KIMBERLY-CLARK CORP	COM	494368103	61	450	SH		OTR		450	0	0
KRAFT HEINZ CO	COM	500754106	322	8,436	SH		SOLE		8,436	0	0
KRAFT HEINZ CO	COM	500754106	33	858	SH		OTR		858	0	0
LILLY ELI & CO	COM	532457108	4,705	14,510	SH		SOLE		14,510	0	0
LILLY ELI & CO	COM	532457108	53	165	SH		OTR		165	0	0
LOWES COS INC	COM	548661107	638	3,654	SH		SOLE		3,654	0	0
LOWES COS INC	COM	548661107	125	715	SH		OTR		715	0	0
MANULIFE FINL CORP	COM	56501R106	281	16,194	SH		SOLE		16,194	0	0
MCDONALDS CORP	COM	580135101	728	2,947	SH		SOLE		2,947	0	0
MCDONALDS CORP	COM	580135101	21	85	SH		OTR		85	0	0
MERCK & CO INC	COM	58933Y105	449	4,920	SH		SOLE		4,920	0	0
MERCK & CO INC	COM	58933Y105	219	2,400	SH		OTR		2,400	0	0
MICROSOFT CORP	COM	594918104	7,051	27,453	SH		SOLE		27,453	0	0
MICROSOFT CORP	COM	594918104	1,856	7,225	SH		OTR		7,225	0	0
MONDELEZ INTL INC	CL A	609207105	275	4,427	SH		SOLE		4,427	0	0
MONDELEZ INTL INC	CL A	609207105	99	1,600	SH		OTR		1,600	0	0
NESTLE S A	SPONSORED ADR	641069406	276	2,373	SH		SOLE		2,373	0	0
NESTLE S A	SPONSORED ADR	641069406	26	220	SH		OTR		220	0	0
NEXTERA ENERGY INC	COM	65339F101	857	11,064	SH		SOLE		11,064	0	0
NORFOLK SOUTHN CORP	COM	655844108	2,095	9,219	SH		SOLE		9,219	0	0
NORFOLK SOUTHN CORP	COM	655844108	140	615	SH		OTR		615	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	312	3,694	SH		SOLE		3,694	0	0
ORACLE CORP	COM	68389X105	267	3,825	SH		SOLE		3,825	0	0
PEPSICO INC	COM	713448108	2,022	12,134	SH		SOLE		12,134	0	0
PEPSICO INC	COM	713448108	225	1,350	SH		OTR		1,350	0	0
PFIZER INC	COM	717081103	1,468	27,998	SH		SOLE		27,998	0	0
PFIZER INC	COM	717081103	532	10,150	SH		OTR		10,150	0	0
PHILIP MORRIS INTL INC	COM	718172109	340	3,445	SH		SOLE		3,445	0	0
PHILIP MORRIS INTL INC	COM	718172109	500	5,065	SH		OTR		5,065	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,904	41,057	SH		SOLE		41,057	0	0
PROCTER AND GAMBLE CO	COM	742718109	966	6,715	SH		OTR		6,715	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	526	12,700	SH		OTR		12,700	0	0
QUALCOMM INC	COM	747525103	666	5,215	SH		SOLE		5,215	0	0
QUALCOMM INC	COM	747525103	115	904	SH		OTR		904	0	0
RGC RES INC	COM	74955L103	775	40,658	SH		SOLE		40,658	0	0
RGC RES INC	COM	74955L103	126	6,611	SH		OTR		6,611	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	2,604	27,094	SH		SOLE		27,094	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	267	2,780	SH		OTR		2,780	0	0
REALTY INCOME CORP	COM	756109104	82	1,200	SH		SOLE		1,200	0	0
REALTY INCOME CORP	COM	756109104	171	2,500	SH		OTR		2,500	0	0
RENAISSANCE CAP GREENWICH	FD IPO ETF	759937204	471	15,645	SH		SOLE		15,645	0	0
SHELL PLC	SPON ADS	780259305	371	7,090	SH		SOLE		7,090	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6,442	17,075	SH		SOLE		17,075	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	194	513	SH		OTR		513	0	0
SPDR SER TR	BBG CON SEC ETF	78464A359	225	3,480	SH		SOLE		3,480	0	0
SPDR SER TR	DJ REIT ETF	78464A607	930	9,777	SH		SOLE		9,777	0	0
SPDR SER TR	DJ REIT ETF	78464A607	285	3,000	SH		OTR		3,000	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	1,190	28,579	SH		SOLE		28,579	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	130	3,120	SH		OTR		3,120	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	908	37,662	SH		SOLE		37,662	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	127	5,250	SH		OTR		5,250	0	0
SCHLUMBERGER LTD	COM STK	806857108	417	11,657	SH		SOLE		11,657	0	0
SCHLUMBERGER LTD	COM STK	806857108	46	1,300	SH		OTR		1,300	0	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	335	4,545	SH		SOLE		4,545	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	483	3,765	SH		OTR		3,765	0	0
SELECT SECTOR SPDR TR	SBI CONS SPLS	81369Y308	416	5,760	SH		SOLE		5,760	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	959	13,405	SH		SOLE		13,405	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	193	2,700	SH		OTR		2,700	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	871	27,710	SH		SOLE		27,710	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	126	4,000	SH		OTR		4,000	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	679	7,773	SH		SOLE		7,773	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	141	1,610	SH		OTR		1,610	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	232	1,827	SH		SOLE		1,827	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	102	800	SH		OTR		800	0	0
SOUTHERN CO	COM	842587107	777	10,893	SH		SOLE		10,893	0	0
SOUTHERN CO	COM	842587107	23	325	SH		OTR		325	0	0
STANLEY BLACK & DECKER INC	COM	854502101	202	1,926	SH		SOLE		1,926	0	0
STANLEY BLACK & DECKER INC	COM	854502101	22	211	SH		OTR		211	0	0
STARBUCKS CORP	COM	855244109	330	4,320	SH		SOLE		4,320	0	0
SUMMIT FINL GROUP INC	COM	86606G101	5,233	188,369	SH		SOLE		188,369	0	0
SUMMIT FINL GROUP INC	COM	86606G101	2,175	78,280	SH		OTR		78,280	0	0
SYSCO CORP	COM	871829107	338	3,987	SH		SOLE		3,987	0	0
SYSCO CORP	COM	871829107	22	260	SH		OTR		260	0	0
TARGET CORP	COM	87612E106	367	2,600	SH		SOLE		2,600	0	0
TEXAS INSTRS INC	COM	882508104	212	1,380	SH		SOLE		1,380	0	0
TEXAS INSTRS INC	COM	882508104	87	569	SH		OTR		569	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	236	435	SH		SOLE		435	0	0
3M CO	COM	88579Y101	285	2,206	SH		SOLE		2,206	0	0
3M CO	COM	88579Y101	155	1,200	SH		OTR		1,200	0	0
TRACTOR SUPPLY CO	COM	892356106	236	1,218	SH		SOLE		1,218	0	0
TRUIST FINL CORP	COM	89832Q109	636	13,414	SH		SOLE		13,414	0	0
TRUIST FINL CORP	COM	89832Q109	356	7,500	SH		OTR		7,500	0	0
US BANCORP DEL	COM NEW	902973304	235	5,102	SH		SOLE		5,102	0	0
UNION PAC CORP	COM	907818108	291	1,380	SH		SOLE		1,380	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	206	1,127	SH		SOLE		1,127	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	50	275	SH		OTR		275	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	334	651	SH		SOLE		651	0	0
VANECK ETF TRUST	PREFERRED SECURT	92189F429	189	10,420	SH		SOLE		10,420	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	360	1,765	SH		SOLE		1,765	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	125	615	SH		OTR		615	0	0
VANECK ETF TRUST	AGRIBUSINESS ETF	92189F700	453	5,235	SH		SOLE		5,235	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	578	10,726	SH		SOLE		10,726	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	470	3,275	SH		SOLE		3,275	0	0
VANGUARD TAX-MANAGED INTL	F VAN ETSF DEV MKT	921943858	1,844	45,186	SH		SOLE		45,186	0	0
VANGUARD TAX-MANAGED INTL	F VAN ETSF DEV MKT	921943858	227	5,557	SH		OTR		5,557	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	2,297	45,981	SH		SOLE		45,981	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	130	2,610	SH		OTR		2,610	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,833	68,011	SH		SOLE		68,011	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	228	5,479	SH		OTR		5,479	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,560	30,745	SH		SOLE		30,745	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	72	1,418	SH		OTR		1,418	0	0
VISA INC	COM CL A	92826C839	539	2,737	SH		SOLE		2,737	0	0
WALMART INC	COM	931142103	616	5,068	SH		SOLE		5,068	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	133	9,945	SH		SOLE		9,945	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	22	1,666	SH		OTR		1,666	0	0
WASTE MGMT INC DEL	COM	94106L109	1,951	12,753	SH		SOLE		12,753	0	0
WASTE MGMT INC DEL	COM	94106L109	413	2,700	SH		OTR		2,700	0	0
WELLS FARGO CO NEW	COM	949746101	225	5,746	SH		SOLE		5,746	0	0
WELLS FARGO CO NEW	COM	949746101	466	11,889	SH		OTR		11,889	0	0
WELLTOWER INC	COM	95040Q104	620	7,530	SH		SOLE		7,530	0	0
WELLTOWER INC	COM	95040Q104	7	88	SH		OTR		88	0	0