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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: 03-31-2023
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 L LESTER
Title: OPERATIONS ASSISTANT
Phone: 304-324-3220
Signature, Place, and Date of Signing:
/s/ LISA L LESTER BLUEFIELD,  WV 04-07-2023
[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: 260
Form 13F Information Table Value Total: 263,792,502
(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 204,925 717 SH   OTR   717 0 0
CHUBB LIMITED COM H1467J104 375,349 1,933 SH   SOLE   1,933 0 0
CHUBB LIMITED COM H1467J104 11,068 57 SH   OTR   57 0 0
AT&T INC COM 00206R102 923,210 47,959 SH   SOLE   47,959 0 0
AT&T INC COM 00206R102 7,026 365 SH   OTR   365 0 0
ABBOTT LABS COM 002824100 504,376 4,981 SH   SOLE   4,981 0 0
ABBOTT LABS COM 002824100 111,386 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109 1,549,395 9,752 SH   SOLE   9,752 0 0
ABBVIE INC COM 00287Y109 211,165 1,325 SH   OTR   1,325 0 0
ADOBE SYSTMS INCORPORATED COM 00724F101 241,241 626 SH   SOLE   626 0 0
AIR PRODS & CHEMS INC COM 009158106 1,263,724 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107 440,960 4,240 SH   SOLE   4,240 0 0
ALPHABET INC CAP STK CL A 02079K305 892,078 8,600 SH   SOLE   8,600 0 0
ALTRIA GROUP INC COM 02209S103 201,236 4,510 SH   SOLE   4,510 0 0
ALTRIA GROUP INC COM 02209S103 243,848 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106 1,165,627 11,285 SH   SOLE   11,285 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,143,562 12,568 SH   SOLE   12,568 0 0
AMERICAN ELEC PWR CO INC COM 025537101 119,378 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109 430,519 2,610 SH   SOLE   2,610 0 0
AMERICAN EXPRESS CO COM 025816109 247,425 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100 198,960 823 SH   SOLE   823 0 0
AMGEN INC COM 031162100 120,875 500 SH   OTR   500 0 0
ELEVANCE HEALTH INC COM 036752103 316,349 688 SH   SOLE   688 0 0
APPLE INC COM 037833100 4,310,486 26,140 SH   SOLE   26,140 0 0
APPLIED MATLS INC COM 038222105 300,565 2,447 SH   SOLE   2,447 0 0
AUTODESK INC COM 052769106 1,248,960 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 743,584 3,340 SH   SOLE   3,340 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 22,263 100 SH   OTR   100 0 0
BK OF AMERICA CORP COM 060505104 281,967 9,859 SH   SOLE   9,859 0 0
BK OF AMERICA CORP COM 060505104 57,200 2,000 SH   OTR   2,000 0 0
BECTON DICKINSON & CO COM 075887109 130,453 527 SH   SOLE   527 0 0
BECTON DICKINSON & CO COM 075887109 148,524 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 931,200 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 957,804 3,102 SH   SOLE   3,102 0 0
BLACK HILLS CORP COM 092113109 504,800 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105 213,917 1,007 SH   SOLE   1,007 0 0
BOEING CO COM 097023105 310,147 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 726,368 10,480 SH   SOLE   10,480 0 0
CSX CORP COM 126408103 3,398,908 113,524 SH   SOLE   113,524 0 0
CAPITAL ONE FINL CORP COM 14040H105 179,338 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105 244,919 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101 570,040 2,491 SH   SOLE   2,491 0 0
CATERPILLAR INC COM 149123101 228,840 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100 1,813,033 11,112 SH   SOLE   11,112 0 0
CHEVRON CORP NEW COM 166764100 326,320 2,000 SH   OTR   2,000 0 0
CISCO SYS INC COM 17275R102 1,635,893 31,294 SH   SOLE   31,294 0 0
CISCO SYS INC COM 17275R102 44,433 850 SH   OTR   850 0 0
COCA COLA CO COM 191216100 3,408,362 54,947 SH   SOLE   54,947 0 0
COLGATE PALMOLIVE CO COM 194162103 952,225 12,671 SH   SOLE   12,671 0 0
COLGATE PALMOLIVE CO COM 194162103 86,422 1,150 SH   OTR   1,150 0 0
COMCAST CORP NEW CL A 20030N101 203,235 5,361 SH   SOLE   5,361 0 0
COMCAST CORP NEW CL A 20030N101 55,613 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104 442,278 4,458 SH   SOLE   4,458 0 0
CONOCOPHILLIPS COM 20825C105 14,286 144 SH   OTR   144 0 0
CORTEVA INC COM 22052L104 159,097 2,638 SH   SOLE   2,638 0 0
CORTEVA INC COM 22052L104 70,984 1,177 SH   OTR   1,177 0 0
COSTCO WHSL CORP NEW COM 22160K105 223,591 450 SH   SOLE   450 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 209,727 1,567 SH   SOLE   1,567 0 0
DARDEN RESTAURANTS INC COM 237194105 447,015 2,881 SH   SOLE   2,881 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307 1,818,731 59,300 SH   SOLE   59,300 0 0
DISNEY WALT CO COM 254687106 1,952,535 19,500 SH   SOLE   19,500 0 0
DISNEY WALT CO COM 254687106 120,156 1,200 SH   OTR   1,200 0 0
DOMINION ENERGY INC COM 25746U109 351,114 6,280 SH   SOLE   6,280 0 0
DOMINION ENERGY INC COM 25746U109 50,934 911 SH   OTR   911 0 0
DOW INC COM 260557103 263,300 4,803 SH   SOLE   4,803 0 0
DOW INC COM 260557103 69,292 1,264 SH   OTR   1,264 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 605,735 6,279 SH   SOLE   6,279 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 49,489 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102 671,480 9,356 SH   SOLE   9,356 0 0
DUPONT DE NEMOURS INC COM 26614N102 80,238 1,118 SH   OTR   1,118 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 260,895 6,261 SH   SOLE   6,261 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,633,338 19,743 SH   SOLE   19,743 0 0
EMERSON ELEC CO COM 291011104 1,572,267 18,043 SH   SOLE   18,043 0 0
EMERSON ELEC CO COM 291011104 139,424 1,600 SH   OTR   1,600 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 1,111,965 20,321 SH   SOLE   20,321 0 0
EXXON MOBIL CORP COM 005028020 5,028,020 45,851 SH   SOLE   45,851 0 0
EXXON MOBIL CORP COM 30231G102 247,721 2,259 SH   OTR   2,259 0 0
META PLATFORMS CDR CIBC CL A 30303M102 436,384 2,059 SH   SOLE   2,059 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 846,339 33,756 SH   SOLE   33,756 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 80,034 3,195 SH   OTR   3,195 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 825,003 5,580 SH   SOLE   5,580 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,259,286 29,457 SH   SOLE   29,457 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,337,135 13,285 SH   SOLE   13,285 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 398,601 24,975 SH   SOLE   24,975 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 3,399 213 SH   OTR   213 0 0
FISERV INC COM 337738108 1,714,099 15,165 SH   SOLE   15,165 0 0
FRANKLIN RESOURCES INC COM 354613101 469,833 17,440 SH   SOLE   17,440 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 490,196 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108 1,202,251 5,312 SH   SOLE   5,312 0 0
GENERAL ELECTRIC CO COM 369604301 206,974 2,165 SH   SOLE   2,165 0 0
GENERAL ELECTRIC CO COM 369604301 5,975 62 SH   OTR   62 0 0
GENERAL MLS INC COM 370334104 615,995 7,208 SH   SOLE   7,208 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,140,095 40,215 SH   SOLE   40,215 0 0
HARTFORD FINL SVCS GROUP IN COM 416515104 205,237 2,945 SH   SOLE   2,945 0 0
HERSHEY CO COM 427866108 1,539,180 6,050 SH   SOLE   6,050 0 0
HOME DEPOT INC COM 437076102 2,162,049 7,326 SH   SOLE   7,326 0 0
HOME DEPOT INC COM 437076102 400,772 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106 11,148,057 6,007 SH   SOLE   6,007 0 0
HONEYWELL INTL INC COM 438516106 52,558 275 SH   OTR   275 0 0
INTEL CORP COM 458140100 1,202,844 36,818 SH   SOLE   36,818 0 0
INTEL CORP COM 458140100 65,340 2,000 SH   OTR   2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,040,605 9,978 SH   SOLE   9,978 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 841,466 6,419 SH   SOLE   6,419 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 91,763 700 SH   OTR   700 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,688,448 11,468 SH   SOLE   11,468 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 1,157,983 12,770 SH   SOLE   12,770 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,692,771 53,193 SH   SOLE   53,193 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 1,283,066 18,340 SH   SOLE   18,340 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,478,291 66,740 SH   SOLE   66,740 0 0
ISHARES SILVER TR ISHARES 46428Q109 221,753 10,025 SH   SOLE   10,025 0 0
ISHARES SILVER TR ISHARES 46428Q109 12,166 550 SH   OTR   550 0 0
ISHARES TR S&P 100 ETF 464287101 631,821 3,378 SH   SOLE   3,378 0 0
ISHARES TR S&P TTL STK 464287150 227,280 2,510 SH   SOLE   2,510 0 0
ISHARES TR SELECT DIVID ETF 464287168 5,092,291 43,457 SH   SOLE   43,457 0 0
ISHARES TR SELECT DIVID ETF 464287168 11,249 96 SH   OTR   96 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,478,558 8,462 SH   SOLE   8,462 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,663,650 46,805 SH   SOLE   46,805 0 0
ISHARES TR CORE US AGGBD ET 464287226 21,422 215 SH   OTR   215 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,335,193 109,863 SH   SOLE   109,863 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10,851 275 SH   OTR   275 0 0
ISHARES TR GLOBAL TECH ETF 464287291 314,418 5,784 SH   SOLE   5,784 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,018,923 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,320,350 20,666 SH   SOLE   20,666 0 0
ISHARES TR 7-10YR TRSY BD 464287440 316,589 3,194 SH   SOLE   3,194 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,445,985 29,771 SH   SOLE   29,771 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,321,731 74,409 SH   SOLE   74,409 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,193,301 13,106 SH   SOLE   13,106 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,944,890 42,118 SH   SOLE   42,118 0 0
ISHARES TR RUS MID CAP ETF 464287499 19,927 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,983,687 19,922 SH   SOLE   19,922 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,198,475 9,279 SH   SOLE   9,279 0 0
ISHARES TR GLOBAL 100 ETF 464287572 231,548 3,305 SH   SOLE   3,305 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,849,959 12,150 SH   SOLE   12,150 0 0
ISHARES TR S&P MC 400GR ETF 464287606 353,259 4,940 SH   SOLE   4,940 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,673,660 6,850 SH   SOLE   6,850 0 0
ISHARES TR RUS 1000 ETF 464287622 602,265 2,674 SH   SOLE   2,674 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 222,283 980 SH   SOLE   980 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,418,212 13,555 SH   SOLE   13,555 0 0
ISHARES TR US INDUSTRIALS 464287754 320,512 3,200 SH   SOLE   3,200 0 0
ISHARES TR U.S. REAL ES ETF 464287739 212,250 2,500 SH   SOLE   2,500 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 671,017 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,426,101 66,454 SH   SOLE   66,454 0 0
ISHARES TR S&P SML 600 GWT 464287887 383,690 3,490 SH   SOLE   3,490 0 0
ISHARES TR MSCI ACWI EX US 464288240 510,231 10,462 SH   SOLE   10,462 0 0
ISHARES TR MSCI ACWI ETF 464288257 418,150 4,587 SH   SOLE   4,587 0 0
ISHARES TR INTL SEL DIV ETF 464288448 1,175,060 42,745 SH   SOLE   42,745 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,687,560 22,337 SH   SOLE   22,337 0 0
ISHARES TR MBS ETF 464288588 263,823 2,785 SH   SOLE   2,785 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,510,877 49,681 SH   SOLE   49,681 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,220,198 27,371 SH   SOLE   27,371 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,395,237 108,752 SH   SOLE   108,752 0 0
ISHARES TR PFD AND INCM SEC 464288687 18,107 580 SH   OTR   580 0 0
ISHARES TR U.S. MED DVC ETF 464288810 204,854 3,795 SH   SOLE   3,795 0 0
ISHARES TR U.S. MED DVC ETF 464288810 887,431 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 644,515 33,360 SH   SOLE   33,360 0 0
ISHARES TR MICRO-CAP ETF 464288869 287,402 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 397,950 17,021 SH   SOLE   17,021 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 536,502 10,647 SH   SOLE   10,647 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,357,829 33,030 SH   SOLE   33,030 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 14,029 138 SH   OTR   138 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 439,108 8,853 SH   SOLE   8,853 0 0
ISHARES TR MSCI USA MMENTM 46432F396 215,372 1,549 SH   SOLE   1,549 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 220,087 3,750 SH   SOLE   3,750 0 0
ISHARES TR FALN ANGLS USD 46435G474 214,795 8,500 SH   SOLE   8,500 0 0
ISHARES TR CORE INTL AGGR 46435G672 244,750 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 1,672,659 12,836 SH   SOLE   12,836 0 0
JPMORGAN CHASE & CO COM 46625H100 175,397 1,346 SH   OTR   1,346 0 0
JOHNSON & JOHNSON COM 478160104 5,487,930 35,406 SH   SOLE   35,406 0 0
JOHNSON & JOHNSON COM 478160104 546,375 3,525 SH   OTR   3,525 0 0
KRAFT HEINZ CO COM 500754106 305,493 7,900 SH   SOLE   7,900 0 0
KRAFT HEINZ CO COM 500754106 33,178 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108 3,863,475 11,250 SH   SOLE   11,250 0 0
LILLY ELI & CO COM 532457108 56,664 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107 625,506 3,128 SH   SOLE   3,128 0 0
LOWES COS INC COM 548661107 142,978 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106 250,412 13,639 SH   SOLE   13,639 0 0
MCDONALDS CORP COM 580135101 758,581 2,713 SH   SOLE   2,713 0 0
MCDONALDS CORP COM 580135101 23,766 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105 516,417 4,854 SH   SOLE   4,854 0 0
MERCK & CO INC COM 58933Y105 255,336 2,400 SH   OTR   2,400 0 0
MICROSOFT CORP COM 594918104 7,923,925 27,485 SH   SOLE   27,485 0 0
MICROSOFT CORP COM 594918104 1,362,217 4,725 SH   OTR   4,725 0 0
MONDELEZ INTL INC CL A 609207105 305,164 4,377 SH   SOLE   4,377 0 0
MONDELEZ INTL INC CL A 609207105 11,552 1,600 SH   OTR   1,600 0 0
NESTLE S A SPONSORED ADR 641069406 289,524 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406 26,841 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101 852,813 11,064 SH   SOLE   11,064 0 0
NORFOLK SOUTHN CORP COM 655844108 1,904,608 8,984 SH   SOLE   8,984 0 0
NORFOLK SOUTHN CORP COM 655844108 103,880 490 SH   OTR   490 0 0
NOVARTIS AG SPONSORED ADR 66987V109 339,848 3,694 SH   SOLE   3,694 0 0
OREILLY AUTOMOTIVE COM 67103H107 246,204 290 SH   SOLE   290 0 0
ORACLE CORP COM 68389X105 348,450 3,750 SH   SOLE   3,750 0 0
PEPSICO INC COM 713448108 2,206,194 12,102 SH   SOLE   12,102 0 0
PEPSICO INC COM 713448108 246,105 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103 1,337,301 32,777 SH   SOLE   32,777 0 0
PFIZER INC COM 717081103 144,840 3,550 SH   OTR   3,550 0 0
PHILIP MORRIS INTL INC COM 718172109 335,026 3,445 SH   SOLE   3,445 0 0
PHILIP MORRIS INTL INC COM 718172109 492,571 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109 6,071,310 40,832 SH   SOLE   40,832 0 0
PROCTER AND GAMBLE CO COM 742718109 682,487 4,590 SH   OTR   4,590 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 629,539 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103 743,025 5,824 SH   SOLE   5,824 0 0
QUALCOMM INC COM 747525103 35,084 275 SH   OTR   275 0 0
RGC RES INC COM 74955L103 928,179 40,025 SH   SOLE   40,025 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,805,008 28,643 SH   SOLE   28,643 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 105,764 1,080 SH   OTR   1,080 0 0
SHELL PLC SPON ADS 780259305 404,218 7,025 SH   SOLE   7,025 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,085,043 19,749 SH   SOLE   19,749 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,322 13 SH   OTR   13 0 0
SPDR SER TR BBG CON SEC ETF 78464A359 260,231 3,880 SH   SOLE   3,880 0 0
SPDR SER TR DJ REIT ETF 78464A607 1,041,123 11,727 SH   SOLE   11,727 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 488,771 11,789 SH   SOLE   11,789 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 1,198,952 48,267 SH   SOLE   48,267 0 0
SCHLUMBERGER LTD COM STK 806857108 631,278 12,857 SH   SOLE   12,857 0 0
SCHLUMBERGER LTD COM STK 806857108 83,470 1,700 SH   OTR   1,700 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 369,422 4,580 SH   SOLE   4,580 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 898,452 6,940 SH   OTR   6,940 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308 784,081 10,495 SH   SOLE   10,495 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,839,240 22,205 SH   SOLE   22,205 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,042,142 32,415 SH   SOLE   32,415 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,021,715 10,098 SH   SOLE   10,098 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 11,129 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 268,797 1,780 SH   SOLE   1,780 0 0
SOUTHERN CO COM 842587107 703,384 10,109 SH   SOLE   10,109 0 0
SOUTHERN CO COM 842587107 22,613 325 SH   OTR   325 0 0
STARBUCKS CORP COM 855244109 459,525 4,413 SH   SOLE   4,413 0 0
STRYKER CORPORATION COM 863667101 285,470 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101 4,459,548 214,918 SH   SOLE   214,918 0 0
SUMMIT FINL GROUP INC COM 86606G101 618,536 29,809 SH   OTR   29,809 0 0
SYSCO CORP COM 871829107 307,916 3,987 SH   SOLE   3,987 0 0
SYSCO CORP COM 871829107 20,079 260 SH   OTR   260 0 0
TARGET CORP COM 87612E106 430,638 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104 256,879 1,381 SH   SOLE   1,381 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 236,311 410 SH   SOLE   410 0 0
3M CO COM 88579Y101 279,172 2,656 SH   SOLE   2,656 0 0
3M CO COM 88579Y101 126,132 1,200 SH   OTR   1,200 0 0
TRACTOR SUPPLY CO COM 892356106 260,659 1,109 SH   SOLE   1,109 0 0
TRUIST FINL CORP COM 89832Q109 457,417 13,414 SH   SOLE   13,414 0 0
TRUIST FINL CORP COM 89832Q109 271,095 7,950 SH   OTR   7,950 0 0
UNION PAC CORP COM 907818108 277,738 1,380 SH   SOLE   1,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 219,014 1,129 SH   SOLE   1,129 0 0
UNITED PARCEL SERVICE INC CL B 911312106 53,347 275 SH   OTR   275 0 0
UNITEDHEALTH GROUP INC COM 91324P102 284,026 601 SH   SOLE   601 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 183,913 10,420 SH   SOLE   10,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,209,358 4,595 SH   SOLE   4,595 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 502,919 5,790 SH   SOLE   5,790 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 500,118 9,666 SH   SOLE   9,666 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 504,844 3,278 SH   SOLE   3,278 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 2,105,102 46,604 SH   SOLE   46,604 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,352,733 44,001 SH   SOLE   44,001 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,904,436 71,892 SH   SOLE   71,892 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,194,000 30,702 SH   SOLE   30,702 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 19,639 505 SH   OTR   505 0 0
VISA INC COM CL A 92826C839 594,763 2,638 SH   SOLE   2,638 0 0
WALMART INC COM 931142103 721,472 4,893 SH   SOLE   4,893 0 0
WASTE MGMT INC DEL COM 94106L109 2,468,109 15,126 SH   SOLE   15,126 0 0
WASTE MGMT INC DEL COM 94106L109 32,634 200 SH   OTR   200 0 0
WELLS FARGO CO NEW COM 949746101 214,785 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101 453,755 12,139 SH   OTR   12,139 0 0
WELLTOWER INC COM 95040Q104 527,136 7,353 SH   SOLE   7,353 0 0