SEC Form 4

FORM 4		UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940	OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response: 0.5
	Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person* George Georgette R. (Last) (First) (Middle) PO BOX 8523 (Street) CHARLESTON WV 25303 (City) (State) (Zip)	2. Issuer Name and Ticker or Trading Symbol SUMMIT FINANCIAL GROUP INC [ SMMF ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below)
	3. Date of Earliest Transaction (Month/Day/Year) 11/30/2011
	4. If Amendment, Date of Original Filed (Month/Day/Year) 12/02/2011	6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								11,576	D
Common Stock								1,000	I	By Father
Common Stock								9,248	I	by 401(k) Plan FBO Spouse
Common Stock								5,559	I	By George Brothers Investment Partnership
Common Stock								40,480	I	By Sellaro Enerprises Defined Benefit Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
8% Non-Cumulative Convertible Preferred Stock, Series 2009	$5.5							03/01/2010(1)	06/01/2019	Common Stock	18,181.81		100	I	By 401 (k) Plan FBO Spouse
8% Non-Cumulative Convertible Preferred Stock, Series 2009	$5.5							03/01/2010(1)	06/01/2019	Common Stock	36,363.62		200	I	By Father-in-Law and Mother-in-Law
8% Non-Cumulative Convertible Preferred Stock, Series 2009	$5.5							03/01/2010(1)	06/01/2019	Common Stock	72,727.24		400	I	By Mother
8% Non-Cumulative Convertible Preferred Stock, Series 2009	$5.5							03/01/2010(1)	06/01/2019	Common Stock	54,545.43		300	I	By George Brothers Investment Partnership
Subscription Rights (right to buy)	$500							07/01/2011	10/31/2011	Preferred Stock	100		100	I	By 401(k) Plan FBO Spouse
Subscription Rights (right to buy)	$500							07/01/2011	10/31/2011	Preferred Stock	100		100	I	By George Brothers Investment Partnership
Subscription Rights (right to buy)	$500	11/30/2011		X			300	07/01/2011	11/30/2011	Preferred Stock	300	$500	500	I	By Profit Sharing Plan FBO Father
8% Non-Cumulative Convertible Preferred Stock, Series 2011	$4	11/30/2011		P		300		03/01/2012(1)	06/01/2021	Common Stock	37,500	$500	62,500	I	By Profit Sharing Plan FBO Father
8% Non-Cumulative Convertible Preferred Stock, Series 2011	$4							03/01/2012	06/01/2021	Common Stock	12,500		12,500	I	By 401(k) Plan FBO Spouse
8% Non-Cumulative Convertible Preferred Stock, Series 2011	$4							03/01/2012	06/01/2021	Common Stock	12,500		12,500	I	By George Brothers Investment Partnership
Subscription Rights (right to buy)	$500	11/30/2011		X			200	07/01/2011	11/30/2011	Preferred Stock	200	$500	200	D
8% Non-Cumulative Convertible Preferred Stock, Series 2011	$4	11/30/2011		P		200		03/01/2012(1)	06/01/2021	Common Stock	25,000	$500	25,000	D

Explanation of Responses:

1. The 2009 Series Preferred Stock and 2011 Series Preferred Stock may be converted at the holder's option on any dividend payment date.

Remarks:

	Teresa D. Ely, Lmtd POA Attorney-in-Fact	12/02/2011
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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