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

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                           (Amendment No. __________)*

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

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

                                     836730
                        ---------------------------------
                                 (CUSIP Number)

                        ---------------------------------
             (Date of Event Which Requires Filing of this Statement)

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  person's
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).

Potential persons who are to respond to the collection of information  contained
in this form are not  required to respond  unless the form  displays a currently
valid OMB control number.

CUSIP No. ...............836730
- --------------------------------------------------------------------------------

      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 .............71,990
Shares Bene-
ficially Owned    --------------------------------------------------------------
by Each           6.  Shared Voting Power ...........718
Reporting
Person With:      --------------------------------------------------------------
                  7.  Sole Dispositve Power..........71,990

                  --------------------------------------------------------------
                  8.  Shared Dispositive Power ......718
- --------------------------------------------------------------------------------

9. Aggregate Amount Beneficially Owned by Each Reporting Person.........72,708
- --------------------------------------------------------------------------------

10. Check if the Aggregate Amount in Row(11) Excludes Certain Shares (See Inst.)
- --------------------------------------------------------------------------------

11. Percent of Class Represented by Amount in Row (11).............8.28
- --------------------------------------------------------------------------------

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 Issuer's Principal Executive Offices  223 N. MAIN STREET
                                                    MOOREFIELD, WV 26836

Item 2.
(a)Name of Person Filing                                   JOHN W. CRITES
(b)Address of Principal Business Off or, if none,Residence 46 POINT DRIVE
                                                           PETERSBURG, WV 26847
(c)Citizenship                                             U.S.
(d)Title of Class of Securities                            COMMON
(e)CUSIP Number                                            836730

Item  3.  If  this  statement  is  filed  pursuant  to  ss.ss.  240.13d-1(b)  or
          240.13d-2(b)  or (c), check whether the person filing is a:
   (a)o Broker or dealer registered under section 15 of the Act(15 U.S.C.78o);
   (b)o Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
   (c)o Insurance company as defined in section 3(a)(19)of the Act(15 U.S.C.78c)
   (d)o Investment  company  registered  under  section 8 of the  Investment
        Company  Act of 1940 (15  U.S.C.  80a-8);
   (e)o An  investment  adviser in accordance with ss. 240.13d-1(b)(1)(ii)(E);
   (f)o An employee benefit plan or endowment fund in accordance with
        ss.240.13d-1(b)(1)(ii)(F);
   (g)o A parent  holding   company  or  control  person  in  accordance with
        ss.240.13d-1(b)(1)(ii)(G);
   (h)o A savings  association as defined in Section 3(b) of the Federal Deposit
        Insurance Act (12 U.S.C.  1813);
   (i)o 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)o Group, in accordance withss.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:         72,708   .
                                     ----------------

      (b)Percent of class:          8.28    .
                            ----------------

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

         (i)      Sole power to vote or to direct the vote             71,990  .
                                                           --------------------
         (ii)     Shared power to vote or to direct the vote  718        .
                                                             ------------
         (iii)    Sole power to dispose or to direct the disposition of 71,990.
                                                                       --------
         (iv)     Shared power to dispose or to direct the disposition 718     .
                                                                       --------
Instruction.  For computations regarding securities which represent a right to
acquire an underlying security seess.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 23,905, or 3.24% 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 48,085 shares directly
owned by Mr. Crites, and the 718 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 ss. 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 12, 2001
                                       -----------------------------
                                                    Date

                                        /s/   JOHN W. CRITES
                                       -----------------------------
                                                 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
representative's  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 ss.  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).