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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: 12-31-2022
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 01-06-2023
[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: 265
Form 13F Information Table Value Total: 252,388
(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
MEDTRONIC PLC SHS G5960L103 214 2,751 SH   SOLE   2,751 0 0
MEDTRONIC PLC SHS G5960L103 12 155 SH   OTR   155 0 0
CHUBB LIMITED COM H1467J104 426 1,933 SH   SOLE   1,933 0 0
CHUBB LIMITED COM H1467J104 13 57 SH   OTR   57 0 0
ALPS ETF TR MED BREAKTHGH 00162Q593 264 8,700 SH   SOLE   8,700 0 0
AT&T INC COM 00206R102 885 48,059 SH   SOLE   48,059 0 0
AT&T INC COM 00206R102 7 365 SH   OTR   365 0 0
ABBOTT LABS COM 002824100 561 5,111 SH   SOLE   5,111 0 0
ABBOTT LABS COM 002824100 121 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109 1,576 9,752 SH   SOLE   9,752 0 0
ABBVIE INC COM 00287Y109 214 1,325 SH   OTR   1,325 0 0
ADOBE SYSTMS INCORPORATED COM 00724F101 231 686 SH   SOLE   686 0 0
AIR PRODS & CHEMS INC COM 009158106 1,356 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107 396 4,460 SH   SOLE   4,460 0 0
ALPHABET INC CAP STK CL A 02079K305 759 8,600 SH   SOLE   8,600 0 0
ALTRIA GROUP INC COM 02209S103 206 4,510 SH   SOLE   4,510 0 0
ALTRIA GROUP INC COM 02209S103 250 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106 961 11,445 SH   SOLE   11,445 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,206 12,697 SH   SOLE   12,697 0 0
AMERICAN ELEC PWR CO INC COM 025537101 125 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109 386 2,610 SH   SOLE   2,610 0 0
AMERICAN EXPRESS CO COM 025816109 222 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100 216 823 SH   SOLE   823 0 0
AMGEN INC COM 031162100 131 500 SH   OTR   500 0 0
ELEVANCE HEALTH INC COM 036752103 353 688 SH   SOLE   688 0 0
APPLE INC COM 037833100 3,669 28,240 SH   SOLE   28,240 0 0
APPLIED MATLS INC COM 038222105 263 2,697 SH   SOLE   2,697 0 0
AUTODESK INC COM 052769106 1,121 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 798 3,340 SH   SOLE   3,340 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 24 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 279 8,000 SH   SOLE   8,000 0 0
BK OF AMERICA CORP COM 060505104 327 9,859 SH   SOLE   9,859 0 0
BK OF AMERICA CORP COM 060505104 66 2,000 SH   OTR   2,000 0 0
BAXTER INTL INC COM 071813109 482 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 134 527 SH   SOLE   527 0 0
BECTON DICKINSON & CO COM 075887109 153 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 937 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 958 3,102 SH   SOLE   3,102 0 0
BLACK HILLS CORP COM 092113109 563 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105 192 1,007 SH   SOLE   1,007 0 0
BOEING CO COM 097023105 278 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 754 10,480 SH   SOLE   10,480 0 0
CSX CORP COM 126408103 3,517 113,524 SH   SOLE   113,524 0 0
CIGNA CORP NEW COM 125523100 117 354 SH   SOLE   354 0 0
CIGNA CORP NEW COM 125523100 87 262 SH   OTR   262 0 0
CAPITAL ONE FINL CORP COM 14040H105 173 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105 237 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101 781 3,261 SH   SOLE   3,261 0 0
CATERPILLAR INC COM 149123101 240 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100 2,005 11,172 SH   SOLE   11,172 0 0
CHEVRON CORP NEW COM 166764100 359 2,000 SH   OTR   2,000 0 0
CISCO SYS INC COM 17275R102 1,491 31,294 SH   SOLE   31,294 0 0
CISCO SYS INC COM 17275R102 40 850 SH   OTR   850 0 0
COCA COLA CO COM 191216100 3,510 55,181 SH   SOLE   55,181 0 0
COLGATE PALMOLIVE CO COM 194162103 1,003 12,736 SH   SOLE   12,736 0 0
COLGATE PALMOLIVE CO COM 194162103 91 1,150 SH   OTR   1,150 0 0
COMCAST CORP NEW CL A 20030N101 196 5,611 SH   SOLE   5,611 0 0
COMCAST CORP NEW CL A 20030N101 51 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104 541 4,584 SH   SOLE   4,584 0 0
CORTEVA INC COM 22052L104 155 2,638 SH   SOLE   2,638 0 0
CORTEVA INC COM 22052L104 69 1,177 SH   OTR   1,177 0 0
COSTCO WHSL CORP NEW COM 22160K105 205 450 SH   SOLE   450 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 213 1,567 SH   SOLE   1,567 0 0
DARDEN RESTAURANTS INC COM 237194105 399 2,881 SH   SOLE   2,881 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307 1,727 58,700 SH   SOLE   58,700 0 0
DISNEY WALT CO COM 254687106 1,694 19,500 SH   SOLE   19,500 0 0
DISNEY WALT CO COM 254687106 104 1,200 SH   OTR   1,200 0 0
DOMINION ENERGY INC COM 25746U109 385 6,280 SH   SOLE   6,280 0 0
DOMINION ENERGY INC COM 25746U109 56 911 SH   OTR   911 0 0
DOW INC COM 260557103 242 4,803 SH   SOLE   4,803 0 0
DOW INC COM 260557103 64 1,264 SH   OTR   1,264 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 647 6,279 SH   SOLE   6,279 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 53 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102 642 9,356 SH   SOLE   9,356 0 0
DUPONT DE NEMOURS INC COM 26614N102 77 1,118 SH   OTR   1,118 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 257 6,551 SH   SOLE   6,551 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,473 19,743 SH   SOLE   19,743 0 0
EMERSON ELEC CO COM 291011104 1,733 18,043 SH   SOLE   18,043 0 0
EMERSON ELEC CO COM 291011104 154 1,600 SH   OTR   1,600 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 941 20,321 SH   SOLE   20,321 0 0
EXXON MOBIL CORP COM 30231G102 5,083 46,081 SH   SOLE   46,081 0 0
EXXON MOBIL CORP COM 30231G102 249 2,259 SH   OTR   2,259 0 0
META PLATFORMS CDR CIBC CL A 30303M102 248 2,059 SH   SOLE   2,059 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,189 35,066 SH   SOLE   35,066 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 108 3,195 SH   OTR   3,195 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 746 6,060 SH   SOLE   6,060 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,153 29,784 SH   SOLE   29,784 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,202 13,535 SH   SOLE   13,535 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 420 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 1,533 15,165 SH   SOLE   15,165 0 0
FRANKLIN RESOURCES INC COM 354613101 460 17,440 SH   SOLE   17,440 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 490 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108 1,323 5,332 SH   SOLE   5,332 0 0
GENERAL MLS INC COM 370334104 604 7,208 SH   SOLE   7,208 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,060 40,015 SH   SOLE   40,015 0 0
HARTFORD FINL SVCS GROUP IN COM 416515104 223 2,945 SH   SOLE   2,945 0 0
HERSHEY CO COM 427866108 1,401 6,050 SH   SOLE   6,050 0 0
HOME DEPOT INC COM 437076102 2,350 7,440 SH   SOLE   7,440 0 0
HOME DEPOT INC COM 437076102 429 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106 1,287 6,007 SH   SOLE   6,007 0 0
HONEYWELL INTL INC COM 438516106 59 275 SH   OTR   275 0 0
INTEL CORP COM 458140100 981 37,098 SH   SOLE   37,098 0 0
INTEL CORP COM 458140100 53 2,000 SH   OTR   2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,024 9,978 SH   SOLE   9,978 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 904 6,416 SH   SOLE   6,416 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 99 700 SH   OTR   700 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,054 11,468 SH   SOLE   11,468 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 1,129 12,770 SH   SOLE   12,770 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,130 50,478 SH   SOLE   50,478 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 1,184 18,990 SH   SOLE   18,990 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,286 57,440 SH   SOLE   57,440 0 0
ISHARES SILVER TR ISHARES 46428Q109 221 10,025 SH   SOLE   10,025 0 0
ISHARES SILVER TR ISHARES 46428Q109 12 550 SH   OTR   550 0 0
ISHARES TR S&P 100 ETF 464287101 576 3,378 SH   SOLE   3,378 0 0
ISHARES TR S&P TTL STK 464287150 213 2,510 SH   SOLE   2,510 0 0
ISHARES TR SELECT DIVID ETF 464287168 5,285 43,824 SH   SOLE   43,824 0 0
ISHARES TR SELECT DIVID ETF 464287168 12 96 SH   OTR   96 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,299 8,587 SH   SOLE   8,587 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,509 46,488 SH   SOLE   46,488 0 0
ISHARES TR CORE US AGGBD ET 464287226 21 215 SH   OTR   215 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,819 100,771 SH   SOLE   100,771 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10 275 SH   OTR   275 0 0
ISHARES TR GLOBAL TECH ETF 464287291 259 5,784 SH   SOLE   5,784 0 0
ISHARES TR GLOBAL TECH ETF 464287291 840 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,212 20,721 SH   SOLE   20,721 0 0
ISHARES TR 7-10YR TRSY BD 464287440 308 3,214 SH   SOLE   3,214 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,435 29,996 SH   SOLE   29,996 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,893 74,542 SH   SOLE   74,542 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,096 13,106 SH   SOLE   13,106 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,845 42,173 SH   SOLE   42,173 0 0
ISHARES TR RUS MID CAP ETF 464287499 19 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,916 20,324 SH   SOLE   20,324 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,218 9,279 SH   SOLE   9,279 0 0
ISHARES TR GLOBAL 100 ETF 464287572 212 3,305 SH   SOLE   3,305 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,843 12,150 SH   SOLE   12,150 0 0
ISHARES TR S&P MC 400GR ETF 464287606 262 3,840 SH   SOLE   3,840 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,524 7,114 SH   SOLE   7,114 0 0
ISHARES TR RUS 1000 ETF 464287622 584 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 269 1,255 SH   SOLE   1,255 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,174 12,470 SH   SOLE   12,470 0 0
ISHARES TR US INDUSTRIALS 464287754 309 3,200 SH   SOLE   3,200 0 0
ISHARES TR U.S. REAL ES ETF 464287739 225 2,675 SH   SOLE   2,675 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 700 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,288 66,442 SH   SOLE   66,442 0 0
ISHARES TR S&P SML 600 GWT 464287887 454 4,200 SH   SOLE   4,200 0 0
ISHARES TR MSCI ACWI EX US 464288240 476 10,462 SH   SOLE   10,462 0 0
ISHARES TR MSCI ACWI ETF 464288257 432 5,085 SH   SOLE   5,085 0 0
ISHARES TR INTL SEL DIV ETF 464288448 1,161 42,745 SH   SOLE   42,745 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,456 19,777 SH   SOLE   19,777 0 0
ISHARES TR MBS ETF 464288588 380 4,100 SH   SOLE   4,100 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,654 53,281 SH   SOLE   53,281 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,320 28,901 SH   SOLE   28,901 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,194 104,612 SH   SOLE   104,612 0 0
ISHARES TR PFD AND INCM SEC 464288687 18 580 SH   OTR   580 0 0
ISHARES TR U.S. MED DVC ETF 464288810 252 4,795 SH   SOLE   4,795 0 0
ISHARES TR U.S. MED DVC ETF 464288810 864 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 716 33,760 SH   SOLE   33,760 0 0
ISHARES TR MICRO-CAP ETF 464288869 297 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 387 17,021 SH   SOLE   17,021 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 536 10,647 SH   SOLE   10,647 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,358 32,215 SH   SOLE   32,215 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 449 9,108 SH   SOLE   9,108 0 0
ISHARES TR MSCI USA MMENTM 46432F396 252 1,729 SH   SOLE   1,729 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 259 4,750 SH   SOLE   4,750 0 0
ISHARES TR FALN ANGLS USD 46435G474 209 8,500 SH   SOLE   8,500 0 0
ISHARES TR CORE INTL AGGR 46435G672 238 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 1,735 12,941 SH   SOLE   12,941 0 0
JPMORGAN CHASE & CO COM 46625H100 180 1,346 SH   OTR   1,346 0 0
JOHNSON & JOHNSON COM 478160104 6,300 35,661 SH   SOLE   35,661 0 0
JOHNSON & JOHNSON COM 478160104 623 3,525 SH   OTR   3,525 0 0
KIMBERLY-CLARK CORP COM 494368103 200 1,476 SH   SOLE   1,476 0 0
KRAFT HEINZ CO COM 500754106 322 7,900 SH   SOLE   7,900 0 0
KRAFT HEINZ CO COM 500754106 35 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108 5,030 13,750 SH   SOLE   13,750 0 0
LILLY ELI & CO COM 532457108 60 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107 643 3,225 SH   SOLE   3,225 0 0
LOWES COS INC COM 548661107 142 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106 289 16,194 SH   SOLE   16,194 0 0
MCDONALDS CORP COM 580135101 721 2,736 SH   SOLE   2,736 0 0
MCDONALDS CORP COM 580135101 22 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105 539 4,854 SH   SOLE   4,854 0 0
MERCK & CO INC COM 58933Y105 266 2,400 SH   OTR   2,400 0 0
MICROSOFT CORP COM 594918104 6,892 28,738 SH   SOLE   28,738 0 0
MICROSOFT CORP COM 594918104 1,133 4,725 SH   OTR   4,725 0 0
MONDELEZ INTL INC CL A 609207105 292 4,377 SH   SOLE   4,377 0 0
MONDELEZ INTL INC CL A 609207105 107 1,600 SH   OTR   1,600 0 0
NESTLE S A SPONSORED ADR 641069406 275 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406 25 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101 925 11,064 SH   SOLE   11,064 0 0
NORFOLK SOUTHN CORP COM 655844108 2,216 8,994 SH   SOLE   8,994 0 0
NORFOLK SOUTHN CORP COM 655844108 121 490 SH   OTR   490 0 0
NOVARTIS AG SPONSORED ADR 66987V109 335 3,694 SH   SOLE   3,694 0 0
OREILLY AUTOMOTIVE COM 67103H107 245 290 SH   SOLE   290 0 0
ORACLE CORP COM 68389X105 313 3,825 SH   SOLE   3,825 0 0
PEPSICO INC COM 713448108 2,170 12,011 SH   SOLE   12,011 0 0
PEPSICO INC COM 713448108 244 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103 1,695 33,071 SH   SOLE   33,071 0 0
PFIZER INC COM 717081103 182 3,550 SH   OTR   3,550 0 0
PHILIP MORRIS INTL INC COM 718172109 349 3,445 SH   SOLE   3,445 0 0
PHILIP MORRIS INTL INC COM 718172109 513 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109 6,201 40,912 SH   SOLE   40,912 0 0
PROCTER AND GAMBLE CO COM 742718109 696 4,590 SH   OTR   4,590 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 445 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103 640 5,824 SH   SOLE   5,824 0 0
QUALCOMM INC COM 747525103 30 275 SH   OTR   275 0 0
RGC RES INC COM 74955L103 883 40,025 SH   SOLE   40,025 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,891 28,643 SH   SOLE   28,643 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 109 1,080 SH   OTR   1,080 0 0
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 360 14,555 SH   SOLE   14,555 0 0
SHELL PLC SPON ADS 780259305 402 7,060 SH   SOLE   7,060 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,695 20,122 SH   SOLE   20,122 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5 13 SH   OTR   13 0 0
SPDR SER TR BBG CON SEC ETF 78464A359 250 3,880 SH   SOLE   3,880 0 0
SPDR SER TR DJ REIT ETF 78464A607 1,022 11,727 SH   SOLE   11,727 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,002 24,499 SH   SOLE   24,499 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 1,033 42,612 SH   SOLE   42,612 0 0
SCHLUMBERGER LTD COM STK 806857108 687 12,857 SH   SOLE   12,857 0 0
SCHLUMBERGER LTD COM STK 806857108 80 1,500 SH   OTR   1,500 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 356 4,580 SH   SOLE   4,580 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 931 6,855 SH   OTR   6,855 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308 770 10,335 SH   SOLE   10,335 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,840 21,040 SH   SOLE   21,040 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,109 32,415 SH   SOLE   32,415 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 917 9,338 SH   SOLE   9,338 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 11 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 226 1,817 SH   SOLE   1,817 0 0
SOUTHERN CO COM 842587107 722 10,109 SH   SOLE   10,109 0 0
SOUTHERN CO COM 842587107 23 325 SH   OTR   325 0 0
STARBUCKS CORP COM 855244109 438 4,413 SH   SOLE   4,413 0 0
STRYKER CORPORATION COM 863667101 244 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101 5,342 214,618 SH   SOLE   214,618 0 0
SUMMIT FINL GROUP INC COM 86606G101 631 25,334 SH   OTR   25,334 0 0
SYSCO CORP COM 871829107 305 3,987 SH   SOLE   3,987 0 0
SYSCO CORP COM 871829107 20 260 SH   OTR   260 0 0
TARGET CORP COM 87612E106 388 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104 253 1,529 SH   SOLE   1,529 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 226 410 SH   SOLE   410 0 0
3M CO COM 88579Y101 319 2,656 SH   SOLE   2,656 0 0
3M CO COM 88579Y101 144 1,200 SH   OTR   1,200 0 0
TRACTOR SUPPLY CO COM 892356106 249 1,109 SH   SOLE   1,109 0 0
TRUIST FINL CORP COM 89832Q109 577 13,414 SH   SOLE   13,414 0 0
TRUIST FINL CORP COM 89832Q109 342 7,950 SH   OTR   7,950 0 0
UNION PAC CORP COM 907818108 286 1,380 SH   SOLE   1,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 196 1,129 SH   SOLE   1,129 0 0
UNITED PARCEL SERVICE INC CL B 911312106 48 275 SH   OTR   275 0 0
UNITEDHEALTH GROUP INC COM 91324P102 345 651 SH   SOLE   651 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 174 10,420 SH   SOLE   10,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 648 3,195 SH   SOLE   3,195 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 491 5,720 SH   SOLE   5,720 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 591 11,701 SH   SOLE   11,701 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 497 3,275 SH   SOLE   3,275 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 1,964 46,804 SH   SOLE   46,804 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,206 44,001 SH   SOLE   44,001 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,802 71,892 SH   SOLE   71,892 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,220 30,952 SH   SOLE   30,952 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 20 505 SH   OTR   505 0 0
VISA INC COM CL A 92826C839 562 2,705 SH   SOLE   2,705 0 0
WALMART INC COM 931142103 694 4,893 SH   SOLE   4,893 0 0
WASTE MGMT INC DEL COM 94106L109 2,373 15,126 SH   SOLE   15,126 0 0
WASTE MGMT INC DEL COM 94106L109 31 200 SH   OTR   200 0 0
WELLS FARGO CO NEW COM 949746101 237 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101 501 12,139 SH   OTR   12,139 0 0
WELLTOWER INC COM 95040Q104 482 7,353 SH   SOLE   7,353 0 0