View:
Download DOC
Download PDF
Download XLS
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
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2024
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
CRD Number (if applicable):
SEC File Number (if applicable):

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 04-05-2024
[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: 258
Form 13F Information Table Value Total: 281,264,099
(round to nearest dollar)
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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   224,444 2,116 SH   SOLE   2,116 0 0
3M CO COM 88579Y101   127,284 1,200 SH   OTR   1,200 0 0
523 TRACT HOLDONGS LLC COM 33828A900   1,081,058 1 SH   SOLE   1 0 0
ABBOTT LABS COM 002824100   514,084 4,523 SH   SOLE   4,523 0 0
ABBOTT LABS COM 002824100   125,026 1,100 SH   OTR   1,100 0 0
ABBVIE INC COM 00287Y109   1,591,918 8,742 SH   SOLE   8,742 0 0
ABBVIE INC COM 00287Y109   241,282 1,325 SH   OTR   1,325 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   278,674 804 SH   OTR   804 0 0
ADOBE SYSTMS INCORPORATED COM 00724F101   306,292 607 SH   SOLE   607 0 0
AIR PRODS & CHEMS INC COM 009158106   1,065,988 4,400 SH   SOLE   4,400 0 0
ALPHABET INC CAP STK CL C 02079K107   647,714 4,254 SH   SOLE   4,254 0 0
ALPHABET INC CAP STK CL A 02079K305   1,083,073 7,176 SH   SOLE   7,176 0 0
ALPS ETF TR SLERIAN MLP 00162Q452   373,984 7,880 SH   SOLE   7,880 0 0
ALTRIA GROUP INC COM 02209S103   195,635 4,485 SH   SOLE   4,485 0 0
ALTRIA GROUP INC COM 02209S103   238,383 5,465 SH   OTR   5,465 0 0
AMAZON COM INC COM 023135106   1,788,467 9,915 SH   SOLE   9,915 0 0
AMERICAN ELEC PWR CO INC COM 025537101   923,594 10,727 SH   SOLE   10,727 0 0
AMERICAN ELEC PWR CO INC COM 025537101   112,963 1,312 SH   OTR   1,312 0 0
AMERICAN EXPRESS CO COM 025816109   315,350 1,385 SH   SOLE   1,385 0 0
AMERICAN EXPRESS CO COM 025816109   341,535 1,500 SH   OTR   1,500 0 0
AMGEN INC COM 031162100   223,759 787 SH   SOLE   787 0 0
AMGEN INC COM 031162100   142,160 500 SH   OTR   500 0 0
APPLE INC COM 037833100   4,284,256 24,984 SH   SOLE   24,984 0 0
APPLIED MATLS INC COM 038222105   504,644 2,447 SH   SOLE   2,447 0 0
AT&T INC COM 00206R102   664,312 37,745 SH   SOLE   37,745 0 0
AUTODESK INC COM 052769106   1,302,100 5,000 SH   SOLE   5,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   529,448 2,120 SH   SOLE   2,120 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   24,974 100 SH   OTR   100 0 0
BECTON DICKINSON & CO COM 075887109   101,949 412 SH   SOLE   412 0 0
BECTON DICKINSON & CO COM 075887109   148,470 600 SH   OTR   600 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,268,880 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,304,453 3,102 SH   SOLE   3,102 0 0
BK OF AMERICA CORP COM 060505104   371,957 9,809 SH   SOLE   9,809 0 0
BK OF AMERICA CORP COM 060505104   75,840 2,000 SH   OTR   2,000 0 0
BLACK HILLS CORP COM 092113109   436,800 8,000 SH   SOLE   8,000 0 0
BOEING CO COM 097023105   170,217 882 SH   SOLE   882 0 0
BOEING CO COM 097023105   281,765 1,460 SH   OTR   1,460 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   564,263 10,405 SH   SOLE   10,405 0 0
CAPITAL ONE FINL CORP COM 14040H105   277,679 1,865 SH   SOLE   1,865 0 0
CAPITAL ONE FINL CORP COM 14040H105   379,222 2,547 SH   OTR   2,547 0 0
CATERPILLAR INC COM 149123101   784,893 2,142 SH   SOLE   2,142 0 0
CATERPILLAR INC COM 149123101   366,430 1,000 SH   OTR   1,000 0 0
CHEVRON CORP NEW COM 166764100   1,528,816 9,692 SH   SOLE   9,692 0 0
CHEVRON CORP NEW COM 166764100   315,480 2,000 SH   OTR   2,000 0 0
CHUBB LIMITED COM H1467J104   298,258 1,151 SH   SOLE   1,151 0 0
CHUBB LIMITED COM H1467J104   14,770 57 SH   OTR   57 0 0
CISCO SYS INC COM 17275R102   1,597,669 32,011 SH   SOLE   32,011 0 0
CISCO SYS INC COM 17275R102   42,423 850 SH   OTR   850 0 0
COCA COLA CO COM 191216100   3,132,966 51,209 SH   SOLE   51,209 0 0
COLGATE PALMOLIVE CO COM 194162103   928,055 10,306 SH   SOLE   10,306 0 0
COLGATE PALMOLIVE CO COM 194162103   103,557 1,150 SH   OTR   1,150 0 0
COMCAST CORP NEW CL A 20030N101   232,399 5,361 SH   SOLE   5,361 0 0
COMCAST CORP NEW CL A 20030N101   63,594 1,467 SH   OTR   1,467 0 0
CONOCOPHILLIPS COM 20825C104   407,550 3,202 SH   SOLE   3,202 0 0
COSTCO WHSL CORP NEW COM 22160K105   298,913 408 SH   SOLE   408 0 0
CSX CORP COM 126408103   4,708,779 127,024 SH   SOLE   127,024 0 0
DARDEN RESTAURANTS INC COM 237194105   465,512 2,785 SH   SOLE   2,785 0 0
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   1,173,459 41,465 SH   SOLE   41,465 0 0
DISNEY WALT CO COM 254687106   2,307,097 18,855 SH   SOLE   18,855 0 0
DISNEY WALT CO COM 254687106   146,832 1,200 SH   OTR   1,200 0 0
DOMINION ENERGY INC COM 25746U109   262,723 5,341 SH   SOLE   5,341 0 0
DOMINION ENERGY INC COM 25746U109   44,812 911 SH   OTR   911 0 0
DOW INC COM 260557103   252,922 4,366 SH   SOLE   4,366 0 0
DOW INC COM 260557103   55,844 964 SH   OTR   964 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   826,290 8,544 SH   SOLE   8,544 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   49,612 513 SH   OTR   513 0 0
DUPONT DE NEMOURS INC COM 26614N102   245,420 3,201 SH   SOLE   3,201 0 0
DUPONT DE NEMOURS INC COM 26614N102   73,909 964 SH   OTR   964 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   1,560,781 16,333 SH   SOLE   16,333 0 0
ELEVANCE HEALTH INC COM 036752103   336,532 649 SH   SOLE   649 0 0
EMERSON ELEC CO COM 291011104   2,084,319 18,377 SH   SOLE   18,377 0 0
EMERSON ELEC CO COM 291011104   170,130 1,500 SH   OTR   1,500 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   1,140,020 19,441 SH   SOLE   19,441 0 0
EXXON MOBIL CORP COM 30231G102   5,367,498 46,176 SH   SOLE   46,176 0 0
EXXON MOBIL CORP COM 30231G102   230,620 1,984 SH   OTR   1,984 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103   1,220,603 35,247 SH   SOLE   35,247 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103   110,642 3,195 SH   OTR   3,195 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   423,907 24,475 SH   SOLE   24,475 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   3,689 213 SH   OTR   213 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   1,493,038 26,477 SH   SOLE   26,477 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,111,177 5,418 SH   SOLE   5,418 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   1,756,654 14,178 SH   SOLE   14,178 0 0
FISERV INC COM 337738108   2,120,012 13,265 SH   SOLE   13,265 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106   203,208 2,400 SH   SOLE   2,400 0 0
FRANKLIN RESOURCES INC COM 354613101   403,659 14,360 SH   SOLE   14,360 0 0
GAMING & LEISURE PPTYS INC COM 36467J108   433,795 9,416 SH   SOLE   9,416 0 0
GENERAL DYNAMICS CORP COM 369550108   1,486,462 5,262 SH   SOLE   5,262 0 0
GENERAL ELECTRIC CO COM 369604301   389,852 2,221 SH   SOLE   2,221 0 0
GENERAL MLS INC COM 370334104   574,313 8,208 SH   SOLE   8,208 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   2,280,316 57,280 SH   SOLE   57,280 0 0
HARTFORD FINL SVCS GROUP IN COM 416515104   303,482 2,945 SH   SOLE   2,945 0 0
HERSHEY CO COM 427866108   1,016,262 5,225 SH   SOLE   5,225 0 0
HOME DEPOT INC COM 437076102   2,668,321 6,956 SH   SOLE   6,956 0 0
HOME DEPOT INC COM 437076102   520,928 1,358 SH   OTR   1,358 0 0
HONEYWELL INTL INC COM 438516106   927,114 4,517 SH   SOLE   4,517 0 0
HONEYWELL INTL INC COM 438516106   56,443 275 SH   OTR   275 0 0
I SHARES GOLD TR ISHARES NEW 464285204   274,913 6,544 SH   SOLE   6,544 0 0
INTEL CORP COM 458140100   1,386,628 31,393 SH   SOLE   31,393 0 0
INTEL CORP COM 458140100   88,340 2,000 SH   OTR   2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,371,276 9,978 SH   SOLE   9,978 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   840,987 4,404 SH   SOLE   4,404 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   210,056 1,100 SH   OTR   1,100 0 0
INTUIT COM 461202103   260,650 401 SH   SOLE   401 0 0
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   1,160,361 13,225 SH   SOLE   13,225 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   1,230,454 51,765 SH   SOLE   51,765 0 0
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167   716,016 6,660 SH   SOLE   6,660 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   8,511,011 50,251 SH   SOLE   50,251 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V118   297,809 4,515 SH   SOLE   4,515 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   4,718,938 10,628 SH   SOLE   10,628 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   267,562 3,750 SH   SOLE   3,750 0 0
ISHARES SILVER TR ISHARES 46428Q109   223,746 9,835 SH   SOLE   9,835 0 0
ISHARES SILVER TR ISHARES 46428Q109   12,512 550 SH   OTR   550 0 0
ISHARES TR INTL SEL DIV ETF 464288448   441,069 15,730 SH   SOLE   15,730 0 0
ISHARES TR S&P 100 ETF 464287101   765,239 3,093 SH   SOLE   3,093 0 0
ISHARES TR S&P TTL STK 464287150   266,343 2,310 SH   SOLE   2,310 0 0
ISHARES TR SELECT DIVID ETF 464287168   5,050,995 41,005 SH   SOLE   41,005 0 0
ISHARES TR SELECT DIVID ETF 464287168   11,825 96 SH   OTR   96 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,094,385 7,788 SH   SOLE   7,788 0 0
ISHARES TR CORE US AGGBD ET 464287226   5,916,751 60,412 SH   SOLE   60,412 0 0
ISHARES TR CORE US AGGBD ET 464287226   29,871 305 SH   OTR   305 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,820,306 68,654 SH   SOLE   68,654 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   11,297 275 SH   OTR   275 0 0
ISHARES TR GLOBAL TECH ETF 464287291   432,701 5,784 SH   SOLE   5,784 0 0
ISHARES TR GLOBAL TECH ETF 464287291   1,402,238 18,744 SH   OTR   18,744 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,676,640 19,856 SH   SOLE   19,856 0 0
ISHARES TR 7-10YR TRSY BD 464287440   229,266 2,422 SH   SOLE   2,422 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   1,480,463 18,103 SH   SOLE   18,103 0 0
ISHARES TR MSCI EAFE ETF 464287465   6,378,258 79,868 SH   SOLE   79,868 0 0
ISHARES TR RUS MDCP VAL SFT 464287473   224,967 1,795 SH   SOLE   1,795 0 0
ISHARES TR RUS MD CP GR ETF 464287481   1,470,351 12,882 SH   SOLE   12,882 0 0
ISHARES TR RUS MID CAP ETF 464287499   3,574,497 42,508 SH   SOLE   42,508 0 0
ISHARES TR RUS MID CAP ETF 464287499   23,965 285 SH   OTR   285 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,633,027 92,740 SH   SOLE   92,740 0 0
ISHARES TR ISHARES BIOTECH 464287556   1,392,645 10,149 SH   SOLE   10,149 0 0
ISHARES TR GLOBAL 100 ETF 464287572   288,794 3,230 SH   SOLE   3,230 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   1,956,776 10,925 SH   SOLE   10,925 0 0
ISHARES TR S&P MC 400GR ETF 464287606   318,462 3,490 SH   SOLE   3,490 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,614,496 7,757 SH   SOLE   7,757 0 0
ISHARES TR RUS 1000 ETF 464287622   770,192 2,674 SH   SOLE   2,674 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,247,429 20,197 SH   SOLE   20,197 0 0
ISHARES TR US INDUSTRIALS 464287754   402,272 3,200 SH   SOLE   3,200 0 0
ISHARES TR U.S. REAL ES ETF 464287739   401,403 4,465 SH   SOLE   4,465 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   790,826 11,928 SH   SOLE   11,928 0 0
ISHARES TR CORE S&P SCP ETF 464287804   7,192,531 65,079 SH   SOLE   65,079 0 0
ISHARES TR S&P SML 600 GWT 464287887   304,600 2,330 SH   SOLE   2,330 0 0
ISHARES TR MSCI ACWI ETF 464288257   340,521 3,092 SH   SOLE   3,092 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,495,836 19,244 SH   SOLE   19,244 0 0
ISHARES TR IBOXX HI YD ETF 464288513   17,489 225 SH   OTR   225 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,268,678 44,241 SH   SOLE   44,241 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   2,677,411 23,119 SH   SOLE   23,119 0 0
ISHARES TR PFD AND INCM SEC 464288687   3,339,414 103,612 SH   SOLE   103,612 0 0
ISHARES TR PFD AND INCM SEC 464288687   37,064 1,150 SH   OTR   1,150 0 0
ISHARES TR U.S. MED DVC ETF 464288810   109,563 1,870 SH   SOLE   1,870 0 0
ISHARES TR U.S. MED DVC ETF 464288810   963,219 16,440 SH   OTR   16,440 0 0
ISHARES TR US OIL EQ&SV ETF 464288844   210,839 8,915 SH   SOLE   8,915 0 0
ISHARES TR MICRO-CAP ETF 464288869   248,439 2,050 SH   SOLE   2,050 0 0
ISHARES TR US TREAS BD ETF 46429B267   387,568 17,021 SH   SOLE   17,021 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   234,110 4,585 SH   SOLE   4,585 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   3,561,656 32,317 SH   SOLE   32,317 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   15,208 138 SH   OTR   138 0 0
ISHARES TR MSCI EMRG CHN 46434G764   1,208,912 20,999 SH   SOLE   20,999 0 0
ISHARES TR CORE INTL AGGR 46435G672   249,750 5,000 SH   SOLE   5,000 0 0
JOHNSON & JOHNSON COM 478160104   5,277,218 33,360 SH   SOLE   33,360 0 0
JOHNSON & JOHNSON COM 478160104   518,072 3,275 SH   OTR   3,275 0 0
JPMORGAN CHASE & CO COM 46625H100   2,440,655 12,185 SH   SOLE   12,185 0 0
JPMORGAN CHASE & CO COM 46625H100   269,603 1,346 SH   OTR   1,346 0 0
KRAFT HEINZ CO COM 500754106   265,680 7,200 SH   SOLE   7,200 0 0
KRAFT HEINZ CO COM 500754106   31,660 858 SH   OTR   858 0 0
LILLY ELI & CO COM 532457108   8,066,667 10,369 SH   SOLE   10,369 0 0
LILLY ELI & CO COM 532457108   128,363 165 SH   OTR   165 0 0
LOWES COS INC COM 548661107   873,214 3,428 SH   SOLE   3,428 0 0
LOWES COS INC COM 548661107   182,131 715 SH   OTR   715 0 0
MANULIFE FINL CORP COM 56501R106   340,838 13,639 SH   SOLE   13,639 0 0
MARSH & MCLENNAN COS INC COM 571748102   19,156 93 SH   SOLE   93 0 0
MARSH & MCLENNAN COS INC COM 571748102   185,382 900 SH   OTR   900 0 0
MASTERCARD INCORPORATED COM 05763Q104   212,372 441 SH   SOLE   441 0 0
MCDONALDS CORP COM 580135101   700,645 2,485 SH   SOLE   2,485 0 0
MCDONALDS CORP COM 580135101   23,965 85 SH   OTR   85 0 0
MERCK & CO INC COM 58933Y105   612,775 4,644 SH   SOLE   4,644 0 0
MERCK & CO INC COM 58933Y105   316,680 2,400 SH   OTR   2,400 0 0
META PLATFORMS CDR CIBC CL A 30303M102   519,085 1,069 SH   SOLE   1,069 0 0
MICROSOFT CORP COM 594918104   9,782,160 23,251 SH   SOLE   23,251 0 0
MICROSOFT CORP COM 594918104   1,977,384 4,700 SH   OTR   4,700 0 0
MONDELEZ INTL INC CL A 609207105   305,200 4,360 SH   SOLE   4,360 0 0
MONDELEZ INTL INC CL A 609207105   112,000 1,600 SH   OTR   1,600 0 0
NAVO-NORDISK A S ADR 670100205   224,700 1,750 SH   SOLE   1,750 0 0
NESTLE S A SPONSORED ADR 641069406   252,264 2,373 SH   SOLE   2,373 0 0
NESTLE S A SPONSORED ADR 641069406   23,387 220 SH   OTR   220 0 0
NEXTERA ENERGY INC COM 65339F101   669,776 10,480 SH   SOLE   10,480 0 0
NORFOLK SOUTHN CORP COM 655844108   1,803,969 7,078 SH   SOLE   7,078 0 0
NORFOLK SOUTHN CORP COM 655844108   76,461 300 SH   OTR   300 0 0
NOVARTIS AG SPONSORED ADR 66987V109   353,451 3,654 SH   SOLE   3,654 0 0
NUCOR CORP COM 670346105   237,480 1,200 SH   OTR   1,200 0 0
NVIDIA CORPORATION COM 67066G104   815,914 903 SH   SOLE   903 0 0
ORACLE CORP COM 68389X105   464,757 3,700 SH   SOLE   3,700 0 0
OREILLY AUTOMOTIVE COM 67103H107   275,446 244 SH   SOLE   244 0 0
PEPSICO INC COM 713448108   1,937,010 11,068 SH   SOLE   11,068 0 0
PEPSICO INC COM 713448108   228,388 1,350 SH   OTR   1,350 0 0
PFIZER INC COM 717081103   814,518 29,352 SH   SOLE   29,352 0 0
PFIZER INC COM 717081103   70,762 2,550 SH   OTR   2,550 0 0
PHILIP MORRIS INTL INC COM 718172109   313,340 3,420 SH   SOLE   3,420 0 0
PHILIP MORRIS INTL INC COM 718172109   464,055 5,065 SH   OTR   5,065 0 0
PROCTER AND GAMBLE CO COM 742718109   6,174,423 38,055 SH   SOLE   38,055 0 0
PROCTER AND GAMBLE CO COM 742718109   735,803 4,535 SH   OTR   4,535 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206   1,110,996 12,700 SH   OTR   12,700 0 0
QUALCOMM INC COM 747525103   688,035 4,064 SH   SOLE   4,064 0 0
QUALCOMM INC COM 747525103   46,557 275 SH   OTR   275 0 0
RGC RES INC COM 74955L103   810,106 40,025 SH   SOLE   40,025 0 0
RTX CORPORATION COM 75513E101   1,920,658 19,693 SH   SOLE   19,693 0 0
RTX CORPORATION COM 75513E101   105,332 1,080 SH   OTR   1,080 0 0
SCHLUMBERGER LTD COM STK 806857108   599,456 10,937 SH   SOLE   10,937 0 0
SCHLUMBERGER LTD COM STK 806857108   71,253 1,300 SH   OTR   1,300 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   212,532 2,288 SH   SOLE   2,288 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   721,661 4,885 SH   OTR   4,885 0 0
SELECT SECTOR SPDR TR SBI CONS SPLS 81369Y308   200,826 2,630 SH   SOLE   2,630 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,510,087 15,995 SH   SOLE   15,995 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,684,168 39,985 SH   SOLE   39,985 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,185,154 17,348 SH   SOLE   17,348 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   13,855 110 SH   OTR   110 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,087,169 5,220 SH   SOLE   5,220 0 0
SHELL PLC SPON ADS 780259305   463,246 6,910 SH   SOLE   6,910 0 0
SOUTHERN CO COM 842587107   675,001 9,409 SH   SOLE   9,409 0 0
SOUTHERN CO COM 842587107   23,315 325 SH   OTR   325 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,022,654 21,073 SH   SOLE   21,073 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,799 13 SH   OTR   13 0 0
SPDR SER TR BBG CON SEC ETF 78464A359   276,821 3,790 SH   SOLE   3,790 0 0
SPDR SER TR DJ REIT ETF 78464A607   553,907 5,877 SH   SOLE   5,877 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408   952,256 37,758 SH   SOLE   37,758 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   340,459 8,085 SH   SOLE   8,085 0 0
STARBUCKS CORP COM 855244109   314,472 3,441 SH   SOLE   3,441 0 0
STRYKER CORPORATION COM 863667101   357,870 1,000 SH   OTR   1,000 0 0
SUMMIT FINL GROUP INC COM 86606G101   5,270,452 194,052 SH   SOLE   194,052 0 0
SUMMIT FINL GROUP INC COM 86606G101   688,071 25,334 SH   OTR   25,334 0 0
TARGET CORP COM 87612E106   460,746 2,600 SH   SOLE   2,600 0 0
TEXAS INSTRS INC COM 882508104   232,744 1,336 SH   SOLE   1,336 0 0
THE CIGNA GROUP COM 125523100   128,569 354 SH   SOLE   354 0 0
THE CIGNA GROUP COM 125523100   95,155 262 SH   OTR   262 0 0
TRACTOR SUPPLY CO COM 892356106   262,505 1,003 SH   SOLE   1,003 0 0
TRUIST FINL CORP COM 89832Q109   945,810 24,264 SH   SOLE   24,264 0 0
UNION PAC CORP COM 907818108   339,383 1,380 SH   SOLE   1,380 0 0
UNITEDHEALTH GROUP INC COM 91324P102   275,053 556 SH   SOLE   556 0 0
VANECK ETF TRUST PREFERRED SECURT 92189F429   189,636 10,720 SH   SOLE   10,720 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   2,174,528 9,665 SH   SOLE   9,665 0 0
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   347,834 3,835 SH   SOLE   3,835 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   441,858 8,455 SH   SOLE   8,455 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,238,377 38,165 SH   SOLE   38,165 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,660,665 63,698 SH   SOLE   63,698 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   484,464 2,653 SH   SOLE   2,653 0 0
VANGUARD TAX-MANAGED INTL F VAN ETSF DEV MKT 921943858   2,129,164 42,439 SH   SOLE   42,439 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,137,997 27,121 SH   SOLE   27,121 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   71,541 1,705 SH   OTR   1,705 0 0
VISA INC COM CL A 92826C839   777,516 2,786 SH   SOLE   2,786 0 0
WALMART INC COM 931142103   812,836 13,509 SH   SOLE   13,509 0 0
WASTE MGMT INC DEL COM 94106L109   3,070,425 14,405 SH   SOLE   14,405 0 0
WASTE MGMT INC DEL COM 94106L109   42,630 200 SH   OTR   200 0 0
WELLS FARGO CO NEW COM 949746101   333,038 5,746 SH   SOLE   5,746 0 0
WELLS FARGO CO NEW COM 949746101   689,086 11,889 SH   OTR   11,889 0 0
WELLTOWER INC COM 95040Q104   604,089 6,465 SH   SOLE   6,465 0 0