View:
Download DOC
Download PDF
Download XLS
SEC FORM 13F-HR/A

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: 09-30-2022
Check here if Amendment X Amendment Number: 1
This Amendment (Check only one.): X 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 10-11-2022
[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: 301
Form 13F Information Table Value Total: 240,771
(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

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 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 206 799 SH   SOLE   799 0 0
MEDTRONIC PLC SHS G5960L103 233 2,884 SH   SOLE   2,884 0 0
MEDTRONIC PLC SHS G5960L103 13 155 SH   OTR   155 0 0
CHUBB LIMITED COM H1467J104 374 2,054 SH   SOLE   2,054 0 0
CHUBB LIMITED COM H1467J104 10 57 SH   OTR   57 0 0
ALPS ETF TR MED BREAKTHGH 00162Q593 262 8,700 SH   SOLE   8,700 0 0
AT&T INC COM 00206R102 700 45,600 SH   SOLE   45,600 0 0
AT&T INC COM 00206R102 110 7,154 SH   OTR   7,154 0 0
ABBOTT LABS COM 002824100 512 5,293 SH   SOLE   5,293 0 0
ABBOTT LABS COM 002824100 106 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109 1,286 9,581 SH   SOLE   9,581 0 0
ABBVIE INC COM 00287Y109 178 1,325 SH   OTR   1,325 0 0
AIR PRODS & CHEMS INC COM 009158106 1,024 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107 429 4,460 SH   SOLE   4,460 0 0
ALPHABET INC CAP STK CL A 02079K305 823 8,600 SH   SOLE   8,600 0 0
ALTRIA GROUP INC COM 02209S103 182 4,510 SH   SOLE   4,510 0 0
ALTRIA GROUP INC COM 02209S103 221 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106 1,256 11,115 SH   SOLE   11,115 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,098 12,697 SH   SOLE   12,697 0 0
AMERICAN ELEC PWR CO INC COM 025537101 113 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109 263 1,950 SH   SOLE   1,950 0 0
AMERICAN EXPRESS CO COM 025816109 202 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100 186 823 SH   SOLE   823 0 0
AMGEN INC COM 031162100 113 500 SH   OTR   500 0 0
AMPLIFY ETF TR BLOCKCHAIN LDR 032108607 119 6,455 SH   SOLE   6,455 0 0
AMPLIFY ETF TR BLOCKCHAIN LDR 032108607 81 4,370 SH   OTR   4,370 0 0
ELEVANCE HEALTH INC COM 036752103 336 739 SH   SOLE   739 0 0
APPLE INC COM 037833100 3,979 28,788 SH   SOLE   28,788 0 0
APPLE INC COM 037833100 131 949 SH   OTR   949 0 0
APPLIED MATLS INC COM 038222105 200 2,447 SH   SOLE   2,447 0 0
AUTODESK INC COM 052769106 1,121 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 755 3,340 SH   SOLE   3,340 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 23 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 228 8,000 SH   SOLE   8,000 0 0
BK OF AMERICA CORP COM 060505104 211 7,000 SH   SOLE   7,000 0 0
BK OF AMERICA CORP COM 060505104 147 4,859 SH   OTR   4,859 0 0
BAXTER INTL INC COM 071813109 509 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 117 527 SH   SOLE   527 0 0
BECTON DICKINSON & CO COM 075887109 134 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 813 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 828 3,102 SH   SOLE   3,102 0 0
BLACK HILLS CORP COM 092113109 542 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105 122 1,007 SH   SOLE   1,007 0 0
BOEING CO COM 097023105 177 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 688 9,680 SH   SOLE   9,680 0 0
CSX CORP COM 126408103 3,024 113,524 SH   SOLE   113,524 0 0
CAPITAL ONE FINL CORP COM 14040H105 172 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105 235 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101 537 3,271 SH   SOLE   3,271 0 0
CATERPILLAR INC COM 149123101 164 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100 1,354 9,422 SH   SOLE   9,422 0 0
CHEVRON CORP NEW COM 166764100 481 3,350 SH   OTR   3,350 0 0
CISCO SYS INC COM 17275R102 1,316 32,893 SH   SOLE   32,893 0 0
CISCO SYS INC COM 17275R102 79 1,975 SH   OTR   1,975 0 0
COCA COLA CO COM 191216100 2,949 52,642 SH   SOLE   52,642 0 0
COCA COLA CO COM 191216100 207 3,700 SH   OTR   3,700 0 0
COLGATE PALMOLIVE CO COM 194162103 712 10,136 SH   SOLE   10,136 0 0
COLGATE PALMOLIVE CO COM 194162103 263 3,750 SH   OTR   3,750 0 0
COMCAST CORP NEW CL A 20030N101 166 5,650 SH   SOLE   5,650 0 0
COMCAST CORP NEW CL A 20030N101 43 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104 469 4,584 SH   SOLE   4,584 0 0
CORTEVA INC COM 22052L104 151 2,638 SH   SOLE   2,638 0 0
CORTEVA INC COM 22052L104 67 1,177 SH   OTR   1,177 0 0
COSTCO WHSL CORP NEW COM 22160K105 213 450 SH   SOLE   450 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 237 1,638 SH   SOLE   1,638 0 0
DARDEN RESTAURANTS INC COM 237194105 364 2,881 SH   SOLE   2,881 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307 1,884 63,200 SH   SOLE   63,200 0 0
DISNEY WALT CO COM 254687106 1,855 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 454 6,573 SH   SOLE   6,573 0 0
DOMINION ENERGY INC COM 25746U109 67 973 SH   OTR   973 0 0
DOW INC COM 260557103 211 4,803 SH   SOLE   4,803 0 0
DOW INC COM 260557103 56 1,264 SH   OTR   1,264 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 590 6,345 SH   SOLE   6,345 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 48 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102 472 9,356 SH   SOLE   9,356 0 0
DUPONT DE NEMOURS INC COM 26614N102 56 1,118 SH   OTR   1,118 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 288 7,636 SH   SOLE   7,636 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,631 19,743 SH   SOLE   19,743 0 0
EMERSON ELEC CO COM 291011104 1,211 16,543 SH   SOLE   16,543 0 0
EMERSON ELEC CO COM 291011104 227 3,100 SH   OTR   3,100 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 837 20,256 SH   SOLE   20,256 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 95 2,300 SH   OTR   2,300 0 0
EXXON MOBIL CORP COM 30231G102 3,509 40,187 SH   SOLE   40,187 0 0
EXXON MOBIL CORP COM 30231G102 679 7,778 SH   OTR   7,778 0 0
META PLATFORMS CDR CIBC CL A 30303M102 401 2,959 SH   SOLE   2,959 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,110 34,651 SH   SOLE   34,651 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 142 4,442 SH   OTR   4,442 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 769 6,095 SH   SOLE   6,095 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,145 29,739 SH   SOLE   29,739 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,137 13,585 SH   SOLE   13,585 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 417 24,975 SH   SOLE   24,975 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 4 213 SH   OTR   213 0 0
FISERV INC COM 337738108 1,419 15,165 SH   SOLE   15,165 0 0
FRANKLIN RESOURCES INC COM 354613101 375 17,440 SH   SOLE   17,440 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 417 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108 1,131 5,332 SH   SOLE   5,332 0 0
GENERAL MLS INC COM 370334104 557 7,272 SH   SOLE   7,272 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 775 33,615 SH   SOLE   33,615 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 148 6,400 SH   OTR   6,400 0 0
HERSHEY CO COM 427866108 1,339 6,075 SH   SOLE   6,075 0 0
HOME DEPOT INC COM 437076102 2,073 7,514 SH   SOLE   7,514 0 0
HOME DEPOT INC COM 437076102 375 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106 1,017 6,093 SH   SOLE   6,093 0 0
HONEYWELL INTL INC COM 438516106 46 275 SH   OTR   275 0 0
INTEL CORP COM 458140100 945 36,668 SH   SOLE   36,668 0 0
INTEL CORP COM 458140100 86 3,352 SH   OTR   3,352 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 902 9,978 SH   SOLE   9,978 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 777 6,541 SH   SOLE   6,541 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 83 700 SH   OTR   700 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,057 11,440 SH   SOLE   11,440 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 27 100 SH   OTR   100 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 857 11,225 SH   SOLE   11,225 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 118 1,550 SH   OTR   1,550 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,124 48,118 SH   SOLE   48,118 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 165 1,300 SH   OTR   1,300 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 841 14,660 SH   SOLE   14,660 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 248 4,330 SH   OTR   4,330 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,076 49,115 SH   SOLE   49,115 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 182 8,325 SH   OTR   8,325 0 0
ISHARES SILVER TR ISHARES 46428Q109 175 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 544 3,345 SH   SOLE   3,345 0 0
ISHARES TR S&P 100 ETF 464287101 16 100 SH   OTR   100 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,276 39,884 SH   SOLE   39,884 0 0
ISHARES TR SELECT DIVID ETF 464287168 439 4,096 SH   OTR   4,096 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,122 8,706 SH   SOLE   8,706 0 0
ISHARES TR CORE S&P500 ETF 464287200 29 80 SH   OTR   80 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,564 68,135 SH   SOLE   68,135 0 0
ISHARES TR CORE US AGGBD ET 464287226 21 215 SH   OTR   215 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,480 99,782 SH   SOLE   99,782 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 354 10,155 SH   OTR   10,155 0 0
ISHARES TR GLOBAL TECH ETF 464287291 259 6,134 SH   SOLE   6,134 0 0
ISHARES TR GLOBAL TECH ETF 464287291 791 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,200 20,746 SH   SOLE   20,746 0 0
ISHARES TR 7-10YR TRSY BD 464287440 329 3,424 SH   SOLE   3,424 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 3,356 41,329 SH   SOLE   41,329 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 95 1,175 SH   OTR   1,175 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,933 70,213 SH   SOLE   70,213 0 0
ISHARES TR MSCI EAFE ETF 464287465 279 4,976 SH   OTR   4,976 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,028 13,106 SH   SOLE   13,106 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,755 44,333 SH   SOLE   44,333 0 0
ISHARES TR RUS MID CAP ETF 464287499 18 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,493 20,493 SH   SOLE   20,493 0 0
ISHARES TR CORE S&P MCP ETF 464287507 257 1,170 SH   OTR   1,170 0 0
ISHARES TR ISHARES BIOTECH 464287556 830 7,094 SH   SOLE   7,094 0 0
ISHARES TR ISHARES BIOTECH 464287556 174 1,485 SH   OTR   1,485 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,799 13,228 SH   SOLE   13,228 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 241 1,775 SH   OTR   1,775 0 0
ISHARES TR S&P MC 400GR ETF 464287606 242 3,840 SH   SOLE   3,840 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,230 10,597 SH   SOLE   10,597 0 0
ISHARES TR RUS 1000 ETF 464287622 547 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 259 1,255 SH   SOLE   1,255 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,916 11,620 SH   SOLE   11,620 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 124 750 SH   OTR   750 0 0
ISHARES TR U.S. REAL ES ETF 464287739 218 2,675 SH   SOLE   2,675 0 0
ISHARES TR US INDUSTRIALS 464287754 17 200 SH   SOLE   200 0 0
ISHARES TR US INDUSTRIALS 464287754 251 3,000 SH   OTR   3,000 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 628 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,641 64,696 SH   SOLE   64,696 0 0
ISHARES TR CORE S&P SCP ETF 464287804 363 4,165 SH   OTR   4,165 0 0
ISHARES TR S&P SML 600 GWT 464287887 427 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI ACWI EX US 464288240 495 12,382 SH   SOLE   12,382 0 0
ISHARES TR MSCI ACWI ETF 464288257 349 4,485 SH   SOLE   4,485 0 0
ISHARES TR INTL SEL DIV ETF 464288448 919 40,793 SH   SOLE   40,793 0 0
ISHARES TR INTL SEL DIV ETF 464288448 133 5,901 SH   OTR   5,901 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,274 17,852 SH   SOLE   17,852 0 0
ISHARES TR IBOXX HI YD ETF 464288513 118 1,650 SH   OTR   1,650 0 0
ISHARES TR MBS ETF 464288588 462 5,045 SH   SOLE   5,045 0 0
ISHARES TR MBS ETF 464288588 120 1,315 SH   OTR   1,315 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,942 59,691 SH   SOLE   59,691 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 111 2,260 SH   OTR   2,260 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,845 33,648 SH   SOLE   33,648 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 240 2,100 SH   OTR   2,100 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,110 98,192 SH   SOLE   98,192 0 0
ISHARES TR PFD AND INCM SEC 464288687 197 6,210 SH   OTR   6,210 0 0
ISHARES TR U.S. MED DVC ETF 464288810 226 4,795 SH   SOLE   4,795 0 0
ISHARES TR U.S. MED DVC ETF 464288810 776 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 464 32,205 SH   SOLE   32,205 0 0
ISHARES TR MICRO-CAP ETF 464288869 284 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 543 23,852 SH   SOLE   23,852 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 985 19,602 SH   SOLE   19,602 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,642 28,939 SH   SOLE   28,939 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 150 1,638 SH   OTR   1,638 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 959 19,463 SH   SOLE   19,463 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 79 1,600 SH   OTR   1,600 0 0
ISHARES TR MSCI USA MMENTM 46432F396 227 1,729 SH   SOLE   1,729 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 232 4,750 SH   SOLE   4,750 0 0
ISHARES TR FALN ANGLS USD 46435G474 203 8,500 SH   SOLE   8,500 0 0
ISHARES TR CORE INTL AGGR 46435G672 242 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 1,258 12,041 SH   SOLE   12,041 0 0
JPMORGAN CHASE & CO COM 46625H100 235 2,246 SH   OTR   2,246 0 0
JOHNSON & JOHNSON COM 478160104 5,282 32,333 SH   SOLE   32,333 0 0
JOHNSON & JOHNSON COM 478160104 1,123 6,875 SH   OTR   6,875 0 0
KRAFT HEINZ CO COM 500754106 268 8,035 SH   SOLE   8,035 0 0
KRAFT HEINZ CO COM 500754106 29 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108 4,453 13,770 SH   SOLE   13,770 0 0
LILLY ELI & CO COM 532457108 53 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107 606 3,225 SH   SOLE   3,225 0 0
LOWES COS INC COM 548661107 134 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106 254 16,194 SH   SOLE   16,194 0 0
MCDONALDS CORP COM 580135101 631 2,736 SH   SOLE   2,736 0 0
MCDONALDS CORP COM 580135101 20 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105 434 5,037 SH   SOLE   5,037 0 0
MERCK & CO INC COM 58933Y105 207 2,400 SH   OTR   2,400 0 0
MICROSOFT CORP COM 594918104 6,427 27,596 SH   SOLE   27,596 0 0
MICROSOFT CORP COM 594918104 1,683 7,225 SH   OTR   7,225 0 0
MONDELEZ INTL INC CL A 609207105 240 4,377 SH   SOLE   4,377 0 0
MONDELEZ INTL INC CL A 609207105 88 1,600 SH   OTR   1,600 0 0
NESTLE S A SPONSORED ADR 641069406 258 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406 24 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101 868 11,064 SH   SOLE   11,064 0 0
NORFOLK SOUTHN CORP COM 655844108 1,886 8,994 SH   SOLE   8,994 0 0
NORFOLK SOUTHN CORP COM 655844108 124 590 SH   OTR   590 0 0
NOVARTIS AG SPONSORED ADR 66987V109 281 3,694 SH   SOLE   3,694 0 0
OREILLY AUTOMOTIVE COM 67103H107 204 290 SH   SOLE   290 0 0
ORACLE CORP COM 68389X105 234 3,825 SH   SOLE   3,825 0 0
PEPSICO INC COM 713448108 1,979 12,119 SH   SOLE   12,119 0 0
PEPSICO INC COM 713448108 220 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103 1,205 27,538 SH   SOLE   27,538 0 0
PFIZER INC COM 717081103 444 10,150 SH   OTR   10,150 0 0
PHILIP MORRIS INTL INC COM 718172109 286 3,445 SH   SOLE   3,445 0 0
PHILIP MORRIS INTL INC COM 718172109 420 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109 4,927 39,029 SH   SOLE   39,029 0 0
PROCTER AND GAMBLE CO COM 742718109 848 6,715 SH   OTR   6,715 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 466 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103 589 5,215 SH   SOLE   5,215 0 0
QUALCOMM INC COM 747525103 102 904 SH   OTR   904 0 0
RGC RES INC COM 74955L103 856 40,658 SH   SOLE   40,658 0 0
RGC RES INC COM 74955L103 139 6,611 SH   OTR   6,611 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,217 27,086 SH   SOLE   27,086 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 228 2,780 SH   OTR   2,780 0 0
REALTY INCOME CORP COM 756109104 70 1,200 SH   SOLE   1,200 0 0
REALTY INCOME CORP COM 756109104 146 2,500 SH   OTR   2,500 0 0
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 433 15,255 SH   SOLE   15,255 0 0
SHELL PLC SPON ADS 780259305 351 7,060 SH   SOLE   7,060 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,266 20,344 SH   SOLE   20,344 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 183 513 SH   OTR   513 0 0
SPDR SER TR BBG CON SEC ETF 78464A359 220 3,480 SH   SOLE   3,480 0 0
SPDR SER TR DJ REIT ETF 78464A607 858 10,177 SH   SOLE   10,177 0 0
SPDR SER TR DJ REIT ETF 78464A607 253 3,000 SH   OTR   3,000 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,198 29,319 SH   SOLE   29,319 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 128 3,120 SH   OTR   3,120 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 888 37,362 SH   SOLE   37,362 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 125 5,250 SH   OTR   5,250 0 0
SCHLUMBERGER LTD COM STK 806857108 418 11,657 SH   SOLE   11,657 0 0
SCHLUMBERGER LTD COM STK 806857108 47 1,300 SH   OTR   1,300 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 309 4,545 SH   SOLE   4,545 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 528 4,360 SH   OTR   4,360 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308 384 5,760 SH   SOLE   5,760 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,006 13,975 SH   SOLE   13,975 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 194 2,700 SH   OTR   2,700 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 860 28,340 SH   SOLE   28,340 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 121 4,000 SH   OTR   4,000 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 644 7,773 SH   SOLE   7,773 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 133 1,610 SH   OTR   1,610 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 184 1,551 SH   SOLE   1,551 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 95 800 SH   OTR   800 0 0
SOUTHERN CO COM 842587107 687 10,109 SH   SOLE   10,109 0 0
SOUTHERN CO COM 842587107 22 325 SH   OTR   325 0 0
STARBUCKS CORP COM 855244109 382 4,538 SH   SOLE   4,538 0 0
STRYKER CORPORATION COM 863667101 203 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101 4,866 180,636 SH   SOLE   180,636 0 0
SUMMIT FINL GROUP INC COM 86606G101 2,109 78,280 SH   OTR   78,280 0 0
SYSCO CORP COM 871829107 282 3,987 SH   SOLE   3,987 0 0
SYSCO CORP COM 871829107 18 260 SH   OTR   260 0 0
TARGET CORP COM 87612E106 386 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104 211 1,365 SH   SOLE   1,365 0 0
TEXAS INSTRS INC COM 882508104 88 569 SH   OTR   569 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 208 410 SH   SOLE   410 0 0
3M CO COM 88579Y101 244 2,206 SH   SOLE   2,206 0 0
3M CO COM 88579Y101 133 1,200 SH   OTR   1,200 0 0
TRACTOR SUPPLY CO COM 892356106 206 1,109 SH   SOLE   1,109 0 0
TRUIST FINL CORP COM 89832Q109 584 13,414 SH   SOLE   13,414 0 0
TRUIST FINL CORP COM 89832Q109 327 7,500 SH   OTR   7,500 0 0
UNION PAC CORP COM 907818108 269 1,380 SH   SOLE   1,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 200 1,236 SH   SOLE   1,236 0 0
UNITED PARCEL SERVICE INC CL B 911312106 44 275 SH   OTR   275 0 0
UNITEDHEALTH GROUP INC COM 91324P102 329 651 SH   SOLE   651 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 179 10,420 SH   SOLE   10,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 380 2,055 SH   SOLE   2,055 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 114 615 SH   OTR   615 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 422 5,235 SH   SOLE   5,235 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 536 10,726 SH   SOLE   10,726 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 443 3,275 SH   SOLE   3,275 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 1,642 45,150 SH   SOLE   45,150 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 202 5,557 SH   OTR   5,557 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,997 45,016 SH   SOLE   45,016 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 116 2,610 SH   OTR   2,610 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,470 67,696 SH   SOLE   67,696 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 200 5,479 SH   OTR   5,479 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,184 31,174 SH   SOLE   31,174 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 54 1,418 SH   OTR   1,418 0 0
VISA INC COM CL A 92826C839 481 2,705 SH   SOLE   2,705 0 0
WALMART INC COM 931142103 648 4,993 SH   SOLE   4,993 0 0
WASTE MGMT INC DEL COM 94106L109 2,023 12,626 SH   SOLE   12,626 0 0
WASTE MGMT INC DEL COM 94106L109 433 2,700 SH   OTR   2,700 0 0
WELLS FARGO CO NEW COM 949746101 231 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101 478 11,889 SH   OTR   11,889 0 0
WELLTOWER INC COM 95040Q104 473 7,353 SH   SOLE   7,353 0 0
WELLTOWER INC COM 95040Q104 6 88 SH   OTR   88 0 0