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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: 09-30-2023
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 10-16-2023
[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: 244
Form 13F Information Table Value Total: 237,857,408
(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
CATERPILLAR INC COM 149123101 594,048 2,176 SH   SOLE   2,176 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,097,779 9,978 SH   SOLE   9,978 0 0
ISHARES TR INTL SEL DIV ETF 464288448 753,110 29,650 SH   SOLE   29,650 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 381,924 2,458 SH   SOLE   2,458 0 0
3M CO COM 88579Y101 187,801 2,006 SH   SOLE   2,006 0 0
3M CO COM 88579Y101 112,344 1,200 SH   OTR   1,200 0 0
ABBOTT LABS COM 002824100 413,162 4,266 SH   SOLE   4,266 0 0
ABBOTT LABS COM 002824100 106,535 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109 1,317,988 8,842 SH   SOLE   8,842 0 0
ABBVIE INC COM 00287Y109 197,504 1,325 SH   OTR   1,325 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 220,197 717 SH   SOLE   717 0 0
ADOBE SYSTMS INCORPORATED COM 00724F101 309,509 607 SH   SOLE   607 0 0
AIR PRODS & CHEMS INC COM 009158106 1,246,960 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107 560,889 4,254 SH   SOLE   4,254 0 0
ALPHABET INC CAP STK CL A 02079K305 939,051 7,176 SH   SOLE   7,176 0 0
ALTRIA GROUP INC COM 02209S103 188,594 4,485 SH   SOLE   4,485 0 0
ALTRIA GROUP INC COM 02209S103 229,803 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106 1,227,343 9,655 SH   SOLE   9,655 0 0
AMERICAN ELEC PWR CO INC COM 025537101 952,134 12,658 SH   SOLE   12,658 0 0
AMERICAN ELEC PWR CO INC COM 025537101 98,688 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109 206,628 1,385 SH   SOLE   1,385 0 0
AMERICAN EXPRESS CO COM 025816109 223,785 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100 221,189 823 SH   SOLE   823 0 0
AMGEN INC COM 031162100 134,380 500 SH   OTR   500 0 0
APPLE INC COM 037833100 4,207,314 24,574 SH   SOLE   24,574 0 0
APPLIED MATLS INC COM 038222105 338,787 2,447 SH   SOLE   2,447 0 0
AT&T INC COM 00206R102 660,023 43,943 SH   SOLE   43,943 0 0
AUTODESK INC COM 052769106 1,241,460 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 581,000 2,415 SH   SOLE   2,415 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 24,058 100 SH   OTR   100 0 0
BECTON DICKINSON & CO COM 075887109 106,514 412 SH   SOLE   412 0 0
BECTON DICKINSON & CO COM 075887109 155,118 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,062,954 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,086,630 3,102 SH   SOLE   3,102 0 0
BK OF AMERICA CORP COM 060505104 268,570 9,809 SH   SOLE   9,809 0 0
BK OF AMERICA CORP COM 060505104 54,760 2,000 SH   OTR   2,000 0 0
BLACK HILLS CORP COM 092113109 404,720 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105 169,061 882 SH   SOLE   882 0 0
BOEING CO COM 097023105 279,852 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 608,259 10,480 SH   SOLE   10,480 0 0
CAPITAL ONE FINL CORP COM 14040H105 180,998 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105 247,186 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101 273,000 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100 1,651,127 9,792 SH   SOLE   9,792 0 0
CHEVRON CORP NEW COM 166764100 337,240 2,000 SH   OTR   2,000 0 0
CHUBB LIMITED COM H1467J104 239,615 1,151 SH   SOLE   1,151 0 0
CHUBB LIMITED COM H1467J104 11,866 57 SH   OTR   57 0 0
CISCO SYS INC COM 17275R102 1,689,623 31,429 SH   SOLE   31,429 0 0
CISCO SYS INC COM 17275R102 45,696 850 SH   OTR   850 0 0
COCA COLA CO COM 191216100 2,862,369 51,132 SH   SOLE   51,132 0 0
COLGATE PALMOLIVE CO COM 194162103 769,481 10,821 SH   SOLE   10,821 0 0
COLGATE PALMOLIVE CO COM 194162103 81,776 1,150 SH   OTR   1,150 0 0
COMCAST CORP NEW CL A 20030N101 237,706 5,361 SH   SOLE   5,361 0 0
COMCAST CORP NEW CL A 20030N101 65,046 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104 383,599 3,202 SH   SOLE   3,202 0 0
COSTCO WHSL CORP NEW COM 22160K105 254,232 450 SH   SOLE   450 0 0
CSX CORP COM 126408103 3,536,988 115,024 SH   SOLE   115,024 0 0
DARDEN RESTAURANTS INC COM 237194105 412,616 2,881 SH   SOLE   2,881 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307 1,349,855 45,465 SH   SOLE   45,465 0 0
DISNEY WALT CO COM 254687106 1,535,087 18,940 SH   SOLE   18,940 0 0
DISNEY WALT CO COM 254687106 97,260 1,200 SH   OTR   1,200 0 0
DOMINION ENERGY INC COM 25746U109 251,715 5,635 SH   SOLE   5,635 0 0
DOMINION ENERGY INC COM 25746U109 40,694 911 SH   OTR   911 0 0
DOW INC COM 260557103 241,094 4,676 SH   SOLE   4,676 0 0
DOW INC COM 260557103 49,703 964 SH   OTR   964 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 545,358 6,179 SH   SOLE   6,179 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 45,277 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102 677,500 9,083 SH   SOLE   9,083 0 0
DUPONT DE NEMOURS INC COM 26614N102 71,904 964 SH   OTR   964 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,372,644 19,813 SH   SOLE   19,813 0 0
ELEVANCE HEALTH INC COM 036752103 299,568 688 SH   SOLE   688 0 0
EMERSON ELEC CO COM 291011104 1,736,038 17,977 SH   SOLE   17,977 0 0
EMERSON ELEC CO COM 291011104 144,855 1,500 SH   OTR   1,500 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 1,014,048 20,136 SH   SOLE   20,136 0 0
EXXON MOBIL CORP COM 30231G102 5,570,587 47,377 SH   SOLE   47,377 0 0
EXXON MOBIL CORP COM 30231G102 233,278 1,984 SH   OTR   1,984 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,008,868 34,257 SH   SOLE   34,257 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 94,092 3,195 SH   OTR   3,195 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 390,865 24,475 SH   SOLE   24,475 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 1,262,817 27,797 SH   SOLE   27,797 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 890,623 5,580 SH   SOLE   5,580 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,419,463 13,650 SH   SOLE   13,650 0 0
FISERV INC COM 337738108 1,504,062 13,315 SH   SOLE   13,315 0 0
FRANKLIN RESOURCES INC COM 354613101 352,968 14,360 SH   SOLE   14,360 0 0
GAMING & LEISURE PPTYS INC COM 36467J108 428,898 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108 1,173,792 5,312 SH   SOLE   5,312 0 0
GENERAL ELECTRIC CO COM 369604301 245,531 2,221 SH   SOLE   2,221 0 0
GENERAL MLS INC COM 370334104 461,239 7,208 SH   SOLE   7,208 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673 1,251,504 41,195 SH   SOLE   41,195 0 0
HARTFORD FINL SVCS GROUP IN COM 416515104 208,829 2,945 SH   SOLE   2,945 0 0
HERSHEY CO COM 427866108 1,090,436 5,450 SH   SOLE   5,450 0 0
HOME DEPOT INC COM 437076102 2,180,386 7,216 SH   SOLE   7,216 0 0
HOME DEPOT INC COM 437076102 410,333 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106 868,647 4,702 SH   SOLE   4,702 0 0
HONEYWELL INTL INC COM 438516106 50,803 275 SH   OTR   275 0 0
INTEL CORP COM 458140100 1,178,233 33,143 SH   SOLE   33,143 0 0
INTEL CORP COM 458140100 71,100 2,000 SH   OTR   2,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 652,535 4,651 SH   SOLE   4,651 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 154,330 1,100 SH   OTR   1,100 0 0
INTUIT COM 461202103 204,886 401 SH   SOLE   401 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 1,062,365 15,155 SH   SOLE   15,155 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 1,199,926 53,640 SH   SOLE   53,640 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 775,597 8,515 SH   SOLE   8,515 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 7,011,954 49,488 SH   SOLE   49,488 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,633,932 10,143 SH   SOLE   10,143 0 0
ISHARES TR CORE INTL AGGR 46435G672 243,900 5,000 SH   SOLE   5,000 0 0
ISHARES INC MSCI EMRG CHN 46434G764 412,343 8,275 SH   SOLE   8,275 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 226,087 3,750 SH   SOLE   3,750 0 0
ISHARES SILVER TR ISHARES 46428Q109 203,908 10,025 SH   SOLE   10,025 0 0
ISHARES SILVER TR ISHARES 46428Q109 11,187 550 SH   OTR   550 0 0
ISHARES TR S&P 100 ETF 464287101 620,579 3,093 SH   SOLE   3,093 0 0
ISHARES TR S&P TTL STK 464287150 236,416 2,510 SH   SOLE   2,510 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,419,913 41,062 SH   SOLE   41,062 0 0
ISHARES TR SELECT DIVID ETF 464287168 10,333 96 SH   OTR   96 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,524,761 8,208 SH   SOLE   8,208 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,647,456 49,420 SH   SOLE   49,420 0 0
ISHARES TR CORE US AGGBD ET 464287226 28,682 305 SH   OTR   305 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,979,930 104,873 SH   SOLE   104,873 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 10,436 275 SH   OTR   275 0 0
ISHARES TR GLOBAL TECH ETF 464287291 334,546 5,784 SH   SOLE   5,784 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,084,152 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,408,494 20,586 SH   SOLE   20,586 0 0
ISHARES TR 7-10YR TRSY BD 464287440 255,902 2,794 SH   SOLE   2,794 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,680,613 20,756 SH   SOLE   20,756 0 0
ISHARES TR MSCI EAFE ETF 464287465 5,486,652 79,609 SH   SOLE   79,609 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,230,667 13,472 SH   SOLE   13,472 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,804,763 40,502 SH   SOLE   40,502 0 0
ISHARES TR RUS MID CAP ETF 464287499 19,736 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,754,356 19,067 SH   SOLE   19,067 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,134,728 9,279 SH   SOLE   9,279 0 0
ISHARES TR GLOBAL 100 ETF 464287572 242,058 3,305 SH   SOLE   3,305 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,699,321 11,193 SH   SOLE   11,193 0 0
ISHARES TR S&P MC 400GR ETF 464287606 273,789 3,790 SH   SOLE   3,790 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,771,227 6,659 SH   SOLE   6,659 0 0
ISHARES TR RUS 1000 ETF 464287622 628,149 2,674 SH   SOLE   2,674 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,143,325 12,127 SH   SOLE   12,127 0 0
ISHARES TR US INDUSTRIALS 464287754 322,848 3,200 SH   SOLE   3,200 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 687,374 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,323,600 67,037 SH   SOLE   67,037 0 0
ISHARES TR S&P SML 600 GWT 464287887 262,135 2,390 SH   SOLE   2,390 0 0
ISHARES TR MSCI ACWI EX US 464288240 247,601 5,267 SH   SOLE   5,267 0 0
ISHARES TR MSCI ACWI ETF 464288257 340,568 3,687 SH   SOLE   3,687 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,429,946 19,397 SH   SOLE   19,397 0 0
ISHARES TR IBOXX HI YD ETF 464288513 16,587 225 SH   OTR   225 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 2,190,526 43,960 SH   SOLE   43,960 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,685,739 23,734 SH   SOLE   23,734 0 0
ISHARES TR PFD AND INCM SEC 464288687 3,082,144 102,227 SH   SOLE   102,227 0 0
ISHARES TR PFD AND INCM SEC 464288687 34,672 1,150 SH   OTR   1,150 0 0
ISHARES TR U.S. MED DVC ETF 464288810 115,430 2,380 SH   SOLE   2,380 0 0
ISHARES TR U.S. MED DVC ETF 464288810 797,340 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 469,741 19,540 SH   SOLE   19,540 0 0
ISHARES TR MICRO-CAP ETF 464288869 275,275 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 375,142 17,021 SH   SOLE   17,021 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 445,389 8,752 SH   SOLE   8,752 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,145,295 31,806 SH   SOLE   31,806 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 13,646 138 SH   OTR   138 0 0
JOHNSON & JOHNSON COM 478160104 5,293,631 33,988 SH   SOLE   33,988 0 0
JOHNSON & JOHNSON COM 478160104 510,081 3,275 SH   OTR   3,275 0 0
JPMORGAN CHASE & CO COM 46625H100 1,762,863 12,156 SH   SOLE   12,156 0 0
JPMORGAN CHASE & CO COM 46625H100 195,196 1,346 SH   OTR   1,346 0 0
KRAFT HEINZ CO COM 500754106 265,756 7,900 SH   SOLE   7,900 0 0
KRAFT HEINZ CO COM 500754106 28,863 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108 6,122,207 11,398 SH   SOLE   11,398 0 0
LILLY ELI & CO COM 532457108 88,626 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107 650,123 3,128 SH   SOLE   3,128 0 0
LOWES COS INC COM 548661107 148,605 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106 249,320 13,639 SH   SOLE   13,639 0 0
MCDONALDS CORP COM 580135101 674,933 2,562 SH   SOLE   2,562 0 0
MCDONALDS CORP COM 580135101 22,392 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105 499,719 4,854 SH   SOLE   4,854 0 0
MERCK & CO INC COM 58933Y105 247,080 2,400 SH   OTR   2,400 0 0
META PLATFORMS CDR CIBC CL A 30303M102 320,924 1,069 SH   SOLE   1,069 0 0
MICROSOFT CORP COM 594918104 8,084,778 25,605 SH   SOLE   25,605 0 0
MICROSOFT CORP COM 594918104 1,484,025 4,700 SH   OTR   4,700 0 0
MONDELEZ INTL INC CL A 609207105 302,584 4,360 SH   SOLE   4,360 0 0
MONDELEZ INTL INC CL A 609207105 111,040 1,600 SH   OTR   1,600 0 0
NESTLE S A SPONSORED ADR 641069406 269,102 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406 24,948 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101 633,856 11,064 SH   SOLE   11,064 0 0
NORFOLK SOUTHN CORP COM 655844108 1,493,517 7,584 SH   SOLE   7,584 0 0
NORFOLK SOUTHN CORP COM 655844108 59,079 300 SH   OTR   300 0 0
NOVARTIS AG SPONSORED ADR 66987V109 372,196 3,654 SH   SOLE   3,654 0 0
NVIDIA CORPORATION COM 67066G104 392,795 903 SH   SOLE   903 0 0
ORACLE CORP COM 68389X105 391,904 3,700 SH   SOLE   3,700 0 0
OREILLY AUTOMOTIVE COM 67103H107 248,118 273 SH   SOLE   273 0 0
PEPSICO INC COM 713448108 1,879,428 11,092 SH   SOLE   11,092 0 0
PEPSICO INC COM 713448108 221,119 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103 980,571 29,562 SH   SOLE   29,562 0 0
PFIZER INC COM 717081103 84,583 2,550 SH   OTR   2,550 0 0
PHILIP MORRIS INTL INC COM 718172109 316,623 3,420 SH   SOLE   3,420 0 0
PHILIP MORRIS INTL INC COM 718172109 468,917 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109 5,607,587 38,445 SH   SOLE   38,445 0 0
PROCTER AND GAMBLE CO COM 742718109 661,475 4,535 SH   OTR   4,535 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 753,745 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103 456,900 4,114 SH   SOLE   4,114 0 0
QUALCOMM INC COM 747525103 30,541 275 SH   OTR   275 0 0
RGC RES INC COM 74955L103 692,432 40,025 SH   SOLE   40,025 0 0
RTX CORPORATION COM 75513E101 1,962,549 27,269 SH   SOLE   27,269 0 0
RTX CORPORATION COM 75513E101 77,727 1,080 SH   OTR   1,080 0 0
SCHLUMBERGER LTD COM STK 806857108 660,655 11,332 SH   SOLE   11,332 0 0
SCHLUMBERGER LTD COM STK 806857108 75,790 1,300 SH   OTR   1,300 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 268,248 3,415 SH   SOLE   3,415 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 706,782 5,490 SH   OTR   5,490 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308 632,707 9,195 SH   SOLE   9,195 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,680,802 18,595 SH   SOLE   18,595 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 895,590 27,000 SH   SOLE   27,000 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 831,620 8,203 SH   SOLE   8,203 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 11,151 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 493,429 3,010 SH   SOLE   3,010 0 0
SHELL PLC SPON ADS 780259305 452,269 7,025 SH   SOLE   7,025 0 0
SOUTHERN CO COM 842587107 628,366 9,709 SH   SOLE   9,709 0 0
SOUTHERN CO COM 842587107 21,034 325 SH   OTR   325 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,453,844 19,776 SH   SOLE   19,776 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,557 13 SH   OTR   13 0 0
SPDR SER TR BBG CON SEC ETF 78464A359 251,199 3,705 SH   SOLE   3,705 0 0
SPDR SER TR DJ REIT ETF 78464A607 534,050 6,439 SH   SOLE   6,439 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 954,306 39,015 SH   SOLE   39,015 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 402,528 9,600 SH   SOLE   9,600 0 0
STARBUCKS CORP COM 855244109 329,758 3,613 SH   SOLE   3,613 0 0
STRYKER CORPORATION COM 863667101 273,270 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101 4,933,803 218,891 SH   SOLE   218,891 0 0
SUMMIT FINL GROUP INC COM 86606G101 571,028 25,334 SH   OTR   25,334 0 0
TARGET CORP COM 87612E106 287,482 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104 216,412 1,361 SH   SOLE   1,361 0 0
TRACTOR SUPPLY CO COM 892356106 225,182 1,109 SH   SOLE   1,109 0 0
TRUIST FINL CORP COM 89832Q109 611,224 21,364 SH   SOLE   21,364 0 0
UNION PAC CORP COM 907818108 281,009 1,380 SH   SOLE   1,380 0 0
UNITEDHEALTH GROUP INC COM 91324P102 303,018 601 SH   SOLE   601 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429 175,160 10,420 SH   SOLE   10,420 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,301,195 8,975 SH   SOLE   8,975 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 455,369 9,280 SH   SOLE   9,280 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,234,922 43,087 SH   SOLE   43,087 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,818,885 71,892 SH   SOLE   71,892 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858 2,037,526 46,604 SH   SOLE   46,604 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 969,577 29,916 SH   SOLE   29,916 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 55,259 1,705 SH   OTR   1,705 0 0
VISA INC COM CL A 92826C839 606,766 2,638 SH   SOLE   2,638 0 0
WALMART INC COM 931142103 708,969 4,433 SH   SOLE   4,433 0 0
WASTE MGMT INC DEL COM 94106L109 2,255,197 14,794 SH   SOLE   14,794 0 0
WASTE MGMT INC DEL COM 94106L109 30,488 200 SH   OTR   200 0 0
WELLS FARGO CO NEW COM 949746101 234,781 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101 485,784 11,889 SH   OTR   11,889 0 0
WELLTOWER INC COM 95040Q104 594,083 7,252 SH   SOLE   7,252 0 0