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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: 06-30-2023
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 07-13-2023
[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: 257,144,120
(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
3M CO COM 88579Y101 245,821 2,456 SH   SOLE   2,456 0 0
3M CO COM 88579Y101 120,108 1,200 SH   OTR   1,200 0 0
ABBOTT LABS COM 002824100 534,852 4,906 SH   SOLE   4,906 0 0
ABBOTT LABS COM 002824100 119,922 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109 1,308,497 9,712 SH   SOLE   9,712 0 0
ABBVIE INC COM 00287Y109 178,517 1,325 SH   OTR   1,325 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 221,251 717 SH   OTR   717 0 0
ADOBE SYSTMS INCORPORATED COM 00724F101 306,107 626 SH   SOLE   626 0 0
AIR PRODS & CHEMS INC COM 009158106 1,317,932 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107 514,606 4,254 SH   SOLE   4,254 0 0
ALPHABET INC CAP STK CL A 02079K305 1,032,532 8,626 SH   SOLE   8,626 0 0
ALTRIA GROUP INC COM 02209S103 203,170 4,485 SH   SOLE   4,485 0 0
ALTRIA GROUP INC COM 02209S103 247,564 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106 1,471,112 11,285 SH   SOLE   11,285 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,010,652 12,003 SH   SOLE   12,003 0 0
AMERICAN ELEC PWR CO INC COM 025537101 110,470 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109 454,662 2,610 SH   SOLE   2,610 0 0
AMERICAN EXPRESS CO COM 025816109 261,300 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100 182,722 823 SH   SOLE   823 0 0
AMGEN INC COM 031162100 111,010 500 SH   OTR   500 0 0
APPLE INC COM 037833100 4,986,774 25,709 SH   SOLE   25,709 0 0
APPLIED MATLS INC COM 038222105 353,689 2,447 SH   SOLE   2,447 0 0
AT&T INC COM 00206R102 740,287 46,413 SH   SOLE   46,413 0 0
AT&T INC COM 00206R102 5,821 365 SH   OTR   365 0 0
AUTODESK INC COM 052769106 1,227,660 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 552,771 2,515 SH   SOLE   2,515 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 21,979 100 SH   OTR   100 0 0
BECTON DICKINSON & CO COM 075887109 108,772 412 SH   SOLE   412 0 0
BECTON DICKINSON & CO COM 075887109 158,406 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,035,620 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,057,782 3,102 SH   SOLE   3,102 0 0
BK OF AMERICA CORP COM 060505104 281,420 9,809 SH   SOLE   9,809 0 0
BK OF AMERICA CORP COM 060505104 57,380 2,000 SH   OTR   2,000 0 0
BLACK HILLS CORP COM 092113109 482,080 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105 212,638 1,007 SH   SOLE   1,007 0 0
BOEING CO COM 097023105 308,293 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 670,196 10,480 SH   SOLE   10,480 0 0
CAPITAL ONE FINL CORP COM 14040H105 203,975 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105 278,565 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101 539,095 2,191 SH   SOLE   2,191 0 0
CATERPILLAR INC COM 149123101 246,050 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100 1,746,112 11,097 SH   SOLE   11,097 0 0
CHEVRON CORP NEW COM 166764100 314,700 2,000 SH   OTR   2,000 0 0
CHUBB LIMITED COM H1467J104 221,636 1,151 SH   SOLE   1,151 0 0
CHUBB LIMITED COM H1467J104 10,975 57 SH   OTR   57 0 0
CISCO SYS INC COM 17275R102 1,619,151 31,294 SH   SOLE   31,294 0 0
CISCO SYS INC COM 17275R102 43,979 850 SH   OTR   850 0 0
COCA COLA CO COM 191216100 3,169,499 52,632 SH   SOLE   52,632 0 0
COLGATE PALMOLIVE CO COM 194162103 864,465 11,221 SH   SOLE   11,221 0 0
COLGATE PALMOLIVE CO COM 194162103 88,596 1,150 SH   OTR   1,150 0 0
COMCAST CORP NEW CL A 20030N101 222,749 5,361 SH   SOLE   5,361 0 0
COMCAST CORP NEW CL A 20030N101 60,953 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104 461,893 4,458 SH   SOLE   4,458 0 0
CONOCOPHILLIPS COM 20825C104 14,919 144 SH   OTR   144 0 0
CORTEVA INC COM 22052L104 151,100 2,637 SH   SOLE   2,637 0 0
CORTEVA INC COM 22052L104 67,442 1,177 SH   OTR   1,177 0 0
COSTCO WHSL CORP NEW COM 22160K105 242,271 450 SH   SOLE   450 0 0
CSX CORP COM 126408103 3,871,168 113,524 SH   SOLE   113,524 0 0
DARDEN RESTAURANTS INC COM 237194105 481,357 2,881 SH   SOLE   2,881 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307 1,779,484 60,465 SH   SOLE   60,465 0 0
DISNEY WALT CO COM 254687106 1,690,963 18,940 SH   SOLE   18,940 0 0
DISNEY WALT CO COM 254687106 107,136 1,200 SH   OTR   1,200 0 0
DOMINION ENERGY INC COM 25746U109 302,298 5,837 SH   SOLE   5,837 0 0
DOMINION ENERGY INC COM 25746U109 47,180 911 SH   OTR   911 0 0
DOW INC COM 260557103 255,754 4,802 SH   SOLE   4,802 0 0
DOW INC COM 260557103 67,320 1,264 SH   OTR   1,264 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 563,477 6,279 SH   SOLE   6,279 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 46,036 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102 668,321 9,355 SH   SOLE   9,355 0 0
DUPONT DE NEMOURS INC COM 26614N102 79,869 1,118 SH   OTR   1,118 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,862,357 19,743 SH   SOLE   19,743 0 0
ELEVANCE HEALTH INC COM 036752103 305,671 688 SH   SOLE   688 0 0
EMERSON ELEC CO COM 291011104 1,630,906 18,043 SH   SOLE   18,043 0 0
EMERSON ELEC CO COM 291011104 135,585 1,500 SH   OTR   1,500 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 1,225,133 20,921 SH   SOLE   20,921 0 0
EXXON MOBIL CORP COM 30231G102 4,630,518 43,175 SH   SOLE   43,175 0 0
EXXON MOBIL CORP COM 30231G102 234,234 2,184 SH   OTR   2,184 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,004,457 33,786 SH   SOLE   33,786 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 94,987 3,195 SH   OTR   3,195 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 398,850 24,975 SH   SOLE   24,975 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 3,401 213 SH   OTR   213 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,361,437 29,981 SH   SOLE   29,981 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 909,484 5,580 SH   SOLE   5,580 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,420,166 13,285 SH   SOLE   13,285 0 0
FISERV INC COM 337738108 1,679,687 13,315 SH   SOLE   13,315 0 0
FRANKLIN RESOURCES INC COM 354613101 465,822 17,440 SH   SOLE   17,440 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 456,299 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108 1,142,876 5,312 SH   SOLE   5,312 0 0
GENERAL ELECTRIC CO COM 369604301 237,166 2,159 SH   SOLE   2,159 0 0
GENERAL ELECTRIC CO COM 369604301 6,810 62 SH   OTR   62 0 0
GENERAL MLS INC COM 370334104 552,853 7,208 SH   SOLE   7,208 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,158,666 36,865 SH   SOLE   36,865 0 0
HARTFORD FINL SVCS GROUP IN COM 416515104 212,098 2,945 SH   SOLE   2,945 0 0
HERSHEY CO COM 427866108 1,360,865 5,450 SH   SOLE   5,450 0 0
HOME DEPOT INC COM 437076102 2,275,748 7,326 SH   SOLE   7,326 0 0
HOME DEPOT INC COM 437076102 421,849 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106 1,084,602 5,227 SH   SOLE   5,227 0 0
HONEYWELL INTL INC COM 438516106 57,062 275 SH   OTR   275 0 0
INTEL CORP COM 458140100 1,108,301 33,143 SH   SOLE   33,143 0 0
INTEL CORP COM 458140100 66,880 2,000 SH   OTR   2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,128,312 9,978 SH   SOLE   9,978 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 622,350 4,651 SH   SOLE   4,651 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 147,191 1,100 SH   OTR   1,100 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 1,356,304 17,755 SH   SOLE   17,755 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,193,490 53,640 SH   SOLE   53,640 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 1,151,810 12,315 SH   SOLE   12,315 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,498,909 50,113 SH   SOLE   50,113 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,926,195 10,628 SH   SOLE   10,628 0 0
ISHARES TR FALN ANGLS USD 46435G474 200,423 7,900 SH   SOLE   7,900 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 232,125 3,750 SH   SOLE   3,750 0 0
ISHARES SILVER TR ISHARES 46428Q109 209,422 10,025 SH   SOLE   10,025 0 0
ISHARES SILVER TR ISHARES 46428Q109 11,489 550 SH   OTR   550 0 0
ISHARES TR INTL SEL DIV ETF 464288448 990,797 37,630 SH   SOLE   37,630 0 0
ISHARES TR S&P 100 ETF 464287101 699,448 3,378 SH   SOLE   3,378 0 0
ISHARES TR S&P TTL STK 464287150 245,578 2,510 SH   SOLE   2,510 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,781,486 42,202 SH   SOLE   42,202 0 0
ISHARES TR SELECT DIVID ETF 464287168 10,876 96 SH   OTR   96 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,749,312 8,412 SH   SOLE   8,412 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,929,823 50,330 SH   SOLE   50,330 0 0
ISHARES TR CORE US AGGBD ET 464287226 29,874 305 SH   OTR   305 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,348,158 109,913 SH   SOLE   109,913 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10,879 275 SH   OTR   275 0 0
ISHARES TR GLOBAL TECH ETF 464287291 359,706 5,784 SH   SOLE   5,784 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,165,689 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,450,901 20,586 SH   SOLE   20,586 0 0
ISHARES TR 7-10YR TRSY BD 464287440 308,540 3,194 SH   SOLE   3,194 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,969,919 24,296 SH   SOLE   24,296 0 0
ISHARES TR 2 3 YR TREAS BD 464287457 4,864 60 SH   OTR   60 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,614,327 77,439 SH   SOLE   77,439 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,301,799 13,472 SH   SOLE   13,472 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,944,788 40,323 SH   SOLE   40,323 0 0
ISHARES TR RUS MID CAP ETF 464287499 20,813 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,988,253 19,077 SH   SOLE   19,077 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,178,061 9,279 SH   SOLE   9,279 0 0
ISHARES TR GLOBAL 100 ETF 464287572 251,378 3,305 SH   SOLE   3,305 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,960,722 12,423 SH   SOLE   12,423 0 0
ISHARES TR S&P MC 400GR ETF 464287606 284,250 3,790 SH   SOLE   3,790 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,914,977 6,959 SH   SOLE   6,959 0 0
ISHARES TR RUS 1000 ETF 464287622 651,760 2,674 SH   SOLE   2,674 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,427,955 12,965 SH   SOLE   12,965 0 0
ISHARES TR U.S. REAL ES ETF 464287739 216,350 2,500 SH   SOLE   2,500 0 0
ISHARES TR US INDUSTRIALS 464287754 339,328 3,200 SH   SOLE   3,200 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 702,265 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,686,216 67,097 SH   SOLE   67,097 0 0
ISHARES TR S&P SML 600 GWT 464287887 274,682 2,390 SH   SOLE   2,390 0 0
ISHARES TR MSCI ACWI EX US 464288240 254,073 5,162 SH   SOLE   5,162 0 0
ISHARES TR MSCI ACWI ETF 464288257 536,016 5,587 SH   SOLE   5,587 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,456,508 19,402 SH   SOLE   19,402 0 0
ISHARES TR IBOXX HI YD ETF 464288513 16,890 225 SH   OTR   225 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,286,999 45,585 SH   SOLE   45,585 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 10,034 200 SH   OTR   200 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,081,360 26,734 SH   SOLE   26,734 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,145,488 101,697 SH   SOLE   101,697 0 0
ISHARES TR PFD AND INCM SEC 464288687 35,569 1,150 SH   OTR   1,150 0 0
ISHARES TR U.S. MED DVC ETF 464288810 145,666 2,580 SH   SOLE   2,580 0 0
ISHARES TR U.S. MED DVC ETF 464288810 928,202 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 609,434 30,290 SH   SOLE   30,290 0 0
ISHARES TR MICRO-CAP ETF 464288869 300,575 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 389,780 17,021 SH   SOLE   17,021 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 481,367 9,472 SH   SOLE   9,472 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,354,089 33,278 SH   SOLE   33,278 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 13,909 138 SH   OTR   138 0 0
ISHARES TR CORE INTL AGGR 46435G672 246,450 5,000 SH   SOLE   5,000 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 243,876 4,905 SH   SOLE   4,905 0 0
JOHNSON & JOHNSON COM 478160104 5,727,985 34,606 SH   SOLE   34,606 0 0
JOHNSON & JOHNSON COM 478160104 575,182 3,475 SH   OTR   3,475 0 0
JPMORGAN CHASE & CO COM 46625H100 1,865,413 12,826 SH   SOLE   12,826 0 0
JPMORGAN CHASE & CO COM 46625H100 195,762 1,346 SH   OTR   1,346 0 0
KIMBERLY-CLARK CORP COM 494368103 203,776 1,476 SH   SOLE   1,476 0 0
KRAFT HEINZ CO COM 500754106 280,450 7,900 SH   SOLE   7,900 0 0
KRAFT HEINZ CO COM 500754106 30,459 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108 5,346,372 11,400 SH   SOLE   11,400 0 0
LILLY ELI & CO COM 532457108 77,381 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107 705,989 3,128 SH   SOLE   3,128 0 0
LOWES COS INC COM 548661107 161,375 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106 257,913 13,639 SH   SOLE   13,639 0 0
MCDONALDS CORP COM 580135101 809,586 2,713 SH   SOLE   2,713 0 0
MCDONALDS CORP COM 580135101 25,364 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105 560,103 4,854 SH   SOLE   4,854 0 0
MERCK & CO INC COM 58933Y105 276,936 2,400 SH   OTR   2,400 0 0
META PLATFORMS CDR CIBC CL A 30303M102 849,173 2,959 SH   SOLE   2,959 0 0
MICROSOFT CORP COM 594918104 8,869,364 26,045 SH   SOLE   26,045 0 0
MICROSOFT CORP COM 594918104 1,600,538 4,700 SH   OTR   4,700 0 0
MONDELEZ INTL INC CL A 609207105 318,018 4,360 SH   SOLE   4,360 0 0
MONDELEZ INTL INC CL A 609207105 116,704 1,600 SH   OTR   1,600 0 0
NESTLE S A SPONSORED ADR 641069406 285,403 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406 26,459 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101 820,948 11,064 SH   SOLE   11,064 0 0
NORFOLK SOUTHN CORP COM 655844108 2,037,211 8,984 SH   SOLE   8,984 0 0
NORFOLK SOUTHN CORP COM 655844108 111,112 490 SH   OTR   490 0 0
NOVARTIS AG SPONSORED ADR 66987V109 372,761 3,694 SH   SOLE   3,694 0 0
NVIDIA CORPORATION COM 67066G104 381,987 930 SH   SOLE   930 0 0
ORACLE CORP COM 68389X105 440,633 3,700 SH   SOLE   3,700 0 0
OREILLY AUTOMOTIVE COM 67103H107 277,037 290 SH   SOLE   290 0 0
PEPSICO INC COM 713448108 2,097,986 11,327 SH   SOLE   11,327 0 0
PEPSICO INC COM 713448108 241,712 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103 1,134,218 30,922 SH   SOLE   30,922 0 0
PFIZER INC COM 717081103 130,214 3,550 SH   OTR   3,550 0 0
PHILIP MORRIS INTL INC COM 718172109 333,860 3,420 SH   SOLE   3,420 0 0
PHILIP MORRIS INTL INC COM 718172109 494,445 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109 5,926,964 39,060 SH   SOLE   39,060 0 0
PROCTER AND GAMBLE CO COM 742718109 688,140 4,535 SH   OTR   4,535 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 817,626 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103 580,200 4,874 SH   SOLE   4,874 0 0
QUALCOMM INC COM 747525103 32,736 275 SH   OTR   275 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,666,765 27,223 SH   SOLE   27,223 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 105,796 1,080 SH   OTR   1,080 0 0
RGC RES INC COM 74955L103 801,700 40,025 SH   SOLE   40,025 0 0
SCHLUMBERGER LTD COM STK 806857108 582,415 11,857 SH   SOLE   11,857 0 0
SCHLUMBERGER LTD COM STK 806857108 83,504 1,700 SH   OTR   1,700 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 379,544 4,580 SH   SOLE   4,580 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 921,146 6,940 SH   OTR   6,940 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308 778,414 10,495 SH   SOLE   10,495 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,794,262 22,105 SH   SOLE   22,105 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,092,709 32,415 SH   SOLE   32,415 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,083,717 10,098 SH   SOLE   10,098 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 11,805 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 523,318 3,010 SH   SOLE   3,010 0 0
SHELL PLC SPON ADS 780259305 424,169 7,025 SH   SOLE   7,025 0 0
SOUTHERN CO COM 842587107 710,157 10,109 SH   SOLE   10,109 0 0
SOUTHERN CO COM 842587107 22,831 325 SH   OTR   325 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,637,310 19,485 SH   SOLE   19,485 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,762 13 SH   OTR   13 0 0
SPDR SER TR BBG CON SEC ETF 78464A359 266,159 3,805 SH   SOLE   3,805 0 0
SPDR SER TR DJ REIT ETF 78464A607 815,045 9,012 SH   SOLE   9,012 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 976,069 39,517 SH   SOLE   39,517 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 486,696 11,624 SH   SOLE   11,624 0 0
STARBUCKS CORP COM 855244109 387,621 3,913 SH   SOLE   3,913 0 0
STRYKER CORPORATION COM 863667101 305,090 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101 4,429,834 214,416 SH   SOLE   214,416 0 0
SUMMIT FINL GROUP INC COM 86606G101 615,853 29,809 SH   OTR   29,809 0 0
SYSCO CORP COM 871829107 221,635 2,987 SH   SOLE   2,987 0 0
SYSCO CORP COM 871829107 19,292 260 SH   OTR   260 0 0
TARGET CORP COM 87612E106 342,940 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104 245,007 1,361 SH   SOLE   1,361 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 213,917 410 SH   SOLE   410 0 0
TRACTOR SUPPLY CO COM 892356106 245,199 1,109 SH   SOLE   1,109 0 0
TRUIST FINL CORP COM 89832Q109 407,114 13,414 SH   SOLE   13,414 0 0
TRUIST FINL CORP COM 89832Q109 241,282 7,950 SH   OTR   7,950 0 0
UNION PAC CORP COM 907818108 282,375 1,380 SH   SOLE   1,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 202,373 1,129 SH   SOLE   1,129 0 0
UNITED PARCEL SERVICE INC CL B 911312106 49,293 275 SH   OTR   275 0 0
UNITEDHEALTH GROUP INC COM 91324P102 288,864 601 SH   SOLE   601 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 184,121 10,420 SH   SOLE   10,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,613,088 10,595 SH   SOLE   10,595 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 473,216 5,790 SH   SOLE   5,790 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 483,160 9,411 SH   SOLE   9,411 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,344,363 43,087 SH   SOLE   43,087 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,924,566 71,892 SH   SOLE   71,892 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 531,633 3,273 SH   SOLE   3,273 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 2,152,172 46,604 SH   SOLE   46,604 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,127,452 30,316 SH   SOLE   30,316 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 63,408 1,705 SH   OTR   1,705 0 0
VISA INC COM CL A 92826C839 626,472 2,638 SH   SOLE   2,638 0 0
WALMART INC COM 931142103 633,906 4,033 SH   SOLE   4,033 0 0
WASTE MGMT INC DEL COM 94106L109 2,565,575 14,794 SH   SOLE   14,794 0 0
WASTE MGMT INC DEL COM 94106L109 34,684 200 SH   OTR   200 0 0
WELLS FARGO CO NEW COM 949746101 245,239 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101 518,092 12,139 SH   OTR   12,139 0 0
WELLTOWER INC COM 95040Q104 594,784 7,353 SH   SOLE   7,353 0 0