UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                          SUMMIT FINANCIAL GROUP, INC
- --------------------------------------------------------------------------------
                                (Name of Issuer)

                                     COMMON
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                     86606G
- --------------------------------------------------------------------------------
                                 (CUSIP Number)

Check the  appropriate  box to  designate  the rule  pursuant to which this
Schedule is filed:

              Rule 13d-1(b)
         |X|  Rule 13d-1(c)
              Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting  persons
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).

CUSIP No. ...............86606G............

- --------------------------------------------------------------------------------

      1. Names of Reporting Person.
         I.R.S. Identification Nos. of above persons (entities only)

..........JOHN W. CRITES ............###-##-####.................................
- --------------------------------------------------------------------------------

      2. Check the Appropriate Box if a Member of a Group (See Instructions)

         (a)  ..................................................................

         (b)  ......X...........................................................
- --------------------------------------------------------------------------------

      3. SEC Use Only...........................................................
- --------------------------------------------------------------------------------

      4.  Citizenship or Place of Organization..UNITED STATES...................
- --------------------------------------------------------------------------------

Number of         5.   Sole Voting Power ...............105,816.................
Shares Bene-
ficially Owned    6.   Shared Voting Power ..............40,600.................
by Each
Reporting         7.  Sole Dispositve Power.............105,816.................
Person With:
                  8.   Shared Dispositive Power .........40,600.................
- --------------------------------------------------------------------------------

 9. Aggregate Amount Beneficially Owned by Each Reporting Person...146,416......
- --------------------------------------------------------------------------------

10.Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Inst.)
- --------------------------------------------------------------------------------

11.Percent of Class Represented by Amount in Row (9)  ...........8.35...........
- -------------------------------------------------------------------------------

12.Type or Reporting Person (See Instructions) ..................IN.............
.................................................................................

                  ATTACHMENT TO SCHEDULE 13G OF JOHN W. CRITES
Item 1.
      (a)Name of Issuer                             SUMMIT FINANCIAL GROUP, INC.
      (b)Address of Issuers Principal Executive     223 N. MAIN STREET
         Offices                                    MOOREFIELD, WV 26836

Item 2.
      (a)Name of Person Filing                              JOHN W. CRITES
      (b)Address of Principal Business Office or, if none,  46 POINT DRIVE
         Residence                                          PETERSBURG, WV 26847
      (c)Citizenship                                        U.S.
      (d)Title of Class of Securities                       COMMON
      (e)CUSIP Number                                       86606G

Item 3.  If this statement is filed pursuant to  240.13d-1(b) or 240.13d-2(b)
or (c), check whether the person filingis a:

(a) Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b) Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c) Insurance  company as defined in section  3(a)(19) of the Act (15 U. S. C.
     78c);
(d) Investment company registered under section 8 of the Investment Company Act
     of 1940 (15 U.S.C. 80a-8);
(e) An investment adviser in accordance with  240.13d-1(b)(1)(ii)(E);
(f) An  employee   benefit  plan  or  endowment  fund  in  accordance  with
     240.13d-1(b)(1)(ii)(F);
(g) A  parent  holding   company  or  control  person  in  accordance  with
      240.13d-1(b)(1)(ii)(G);
(h) A savings  association  as defined in Section  3(b) of the Federal  Deposit
     Insurance Act (12 U.S.C. 1813);
(i) A church plan that is excluded from the definition of an investment  company
    under section 3(c)(14) of the Investment Company Act of 1940
    (15 U.S.C. 80a-3);
(j) Group, in accordance with  240.13d-1(b)(1)(ii)(J).

THIS SECTION IS N/A FOR THIS FILING.

Item 4.  Ownership

Provide the following  information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.

      (a)Amount beneficially owned:         146,416

      (b)Percent of class:                  8.35

      (c)Number of shares as to which the person has:

     (i)      Sole power to vote or to direct the vote                  105,816
    (ii)     Shared power to vote or to direct the vote                  40,600
   (iii)    Sole power to dispose or to direct the disposition of       105,816
    (iv)     Shared power to dispose or to direct the disposition of     40,600

Instruction.  For computations  regarding  securities which represent a right to
acquire an underlying security see  240.13d-3(d)(1).

Item 5.  Ownership of Five Percent or Less of a Class

     This  statement  is not being  filed to report the fact that as of the date
hereof the reporting  person has ceased to be the beneficial  owner of more than
five percent of the class of securities.

Item 6.  Ownership of More than Five Percent on Behalf of Another Person

     Allegheny  Wood  Products,  Inc., a  corporation  principally  owned by Mr.
Crites, owns 47,810, or 3.26% of these shares. Allegheny Wood Products, Inc. has
the right to receive,  or the power to direct the receipt of dividends  from, or
the proceeds  from the sale of, these shares.  Mr. Crites  derives his aggregate
beneficial  ownership from these shares, and the 58,006 shares directly owned by
Mr. Crites, and the 40,600 shares held jointly with his spouse.

Item 7.  Identification  and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company

     A parent  holding  company  has not filed this  schedule,  pursuant to Rule
13d-1(b)(ii)(G), or pursuant to Rule 13d-1(c) or Rule 13d-1(d).

Item 8.  Identification and Classification of Members of the Group

     This schedule has not been filed by a group.

Item 9.  Notice of Dissolution of Group

     This filing does not pertain to a dissolution of a group.

Item 10. Certification

     (b)The following  certification shall be included if the statement is filed
        pursuant to 240.13d-1(c):

               By signing  below I certify that, to the best of my knowledge and
               belief,  the  securities  referred to above were not acquired and
               are not held for the purpose of or with the effect of changing or
               influencing  the control of the issuer of the securities and were
               not  acquired  and  are  not  held  in  connection  with  or as a
               participant in any transaction having that purpose or effect.

                                                   SIGNATURE

     After  reasonable  inquiry and to the best of my  knowledge  and belief,  I
certify that the information  set forth in this statement is true,  complete and
correct.

                                                February 3, 2003
                                                -----------------
                                                       Date

                                                -----------------
                                                    Signature

                                              JOHN W. CRITES, DIRECTOR
                                             ------------------------
                                                    Name/Title

     The original  statement  shall be signed by each person on whose behalf the
statement is filed or his authorized representative.  If the statement is signed
on behalf of a person by his authorized  representative  other than an executive
officer  or   general   partner  of  the   filing   person,   evidence   of  the
representatives  authority to sign on behalf of such person shall be filed with
the  statement,  provided,  however,  that a power of attorney  for this purpose
which is already on file with the Commission may be  incorporated  by reference.
The name and any title of each person who signs the statement  shall be typed or
printed beneath his signature.

NOTE:  Schedules  filed in paper format shall include a signed original and five
copies of the  schedule,  including  all  exhibits.  See   240.13d-7  for other
parties for whom copies are to be sent.

Attention:  Intentional  misstatements  or omissions of fact constitute  Federal
criminal violations (See 18 U.S.C. 1001).