SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G
                                  Rule 13d-102

                   Under the Securities Exchange Act of 1934
                              (Amendment No. __)*

                             Summit Financial Group
- --------------------------------------------------------------------------------
                                (Name of Issuer)

                                     Common
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

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

                                   12/31/2003
- --------------------------------------------------------------------------------
            (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 disclosures provided in a prior cover page.

      The information required on 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).

Page 1 of 4 Pages

CUSIP No. 86606G
- --------------------------------------------------------------------------------
(1) Names and I.R.S. Identification Nos.(entities only) of reporting persons.

    Crites, John
    ###-##-####
- --------------------------------------------------------------------------------
(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 shares beneficially owned by each reporting person with:

    (5) Sole voting power:
        211,632

    (6) Shared voting power:
        81,200

    (7) Sole dispositive power:
        211,632

    (8) Shared dispositive power:
        81,200

- --------------------------------------------------------------------------------
(9) Aggregate amount beneficially owned by each reporting person.

    292,832
- --------------------------------------------------------------------------------
(10) Check if the aggregate amount in Row (9) excludes certain shares       |_|
     (see instructions).
- --------------------------------------------------------------------------------
(11) Percent of class represented by amount in Row 9.

     8.34%
- --------------------------------------------------------------------------------
(12) Type of reporting person (see instructions).

     IN
- --------------------------------------------------------------------------------

Page 2 of 4 Pages

Item 1(a). Name of Issuer:

           Summit Financial Group

Item 1(b). Address of Issuer's Principal Executive Offices:

           300 North Main Street
           Moorefield, WV  26836

Item 2(a). Name of Person Filing:

           Crites, John

Item 2(b). Address or Principal Business Office or, If None, Residence:

           PO Box 867
           Petersburg, WV  26847

Item 2(c). Citizenship:

           UNITED STATES

Item 2(d). Title of Class of Securities:

           Common

Item 2(e). CUSIP No.:

           86606G

Item 3. If This Statement is Filed Pursuant to Rule 13d-1(b), or 13d-2(b) or
        (c), Check Whether the Person Filing is 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
                ss. 240.13d-1(b)(1)(ii)(E);

        (f) |_| An employee benefit plan or endowment fund in accordance with
                ss.240.13d-1(b)(1)(ii)(F);

        (g) |_| A parent holding company or control person in accordance with
                ss.240.13d- 1(b)(1)(ii)(G);

        (h) |_| A savings associations 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 ss. 240.13d-1(b)(1)(ii)(J).

        If this statement is filed pursuant to Rule 13d-1(c),
        check this box. |X|

Item 4. Ownership

    (a) Amount beneficially owned:
        292,832

    (b) Percent of class:
        8.34%

    (c) Number of shares as to which such person has:
        (i)   Sole power to direct the vote
              211,632

        (ii)  Shared power to direct the vote
              81,200

        (iii) Sole power to dispose or direct the disposition of
              211,632

        (iv)  Shared power to dispose or direct the disposition of
              81,200

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

        If this statement is 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 5 percent of the class of  securities, check the following |_|

Item 6. Ownership of More than 5 Percent on Behalf of Another Person.

        Allegheny Wood Products, Inc., a corporation principally owned by Mr.
        Crites, owns 95,620, 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 116,012 shares directly owned by Mr. Crites, and the 81,200 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 or Control
        Person.

        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. Certifications

         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.

Page 3 of 4 Pages

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.

Date: 02/03/2004                      /s/ John W. Crites
                                      Name:  John W. Crites
                                      Title: Director

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 incor porated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.

ATTENTION: Intentional misstatements or omissions of fact constitute Federal
criminal violations (see 18 U.S.C. 1001). (Secs. 3(b), 13(d)(1), 13(d)(2),
13(d)(5),  13(d)(6), 13(g)(1), 13(g)(2), 13(g)(5), 23, 48 Stat. 882, 894, 901;
sec. 203(a),  49 Stat. 704; sec. 8, 49 Stat. 1379; sec. 10, 78 Stat. 88a; sec.
2, 82 Stat. 454;  secs. 1, 2, 84 Stat. 1497; secs. 3, 10, 18, 89 Stat. 97, 119,
155; secs. 202, 203,  91 Stat. 1494, 1498, 1499; (15 U.S.C. 78c(b), 78m(d)(1),
78m(d)(2), 78m(d)(5),  78m(d)(6), 78m(g)(1), 78m(g)(2), 78m(g)(5), 78w)) [43 FR
18499, Apr. 28, 1978,  as amended at 43 FR 55756, Nov. 29, 1978; 44 FR 2148,
Jan. 9, 1979; 44 FR 11751,  Mar. 2, 1979; 61 FR 49959, Sept. 24, 1996; 62 FR
35340, July 1, 1997; 63 FR 2867,  Jan. 16, 1998; 63 FR 15287, Mar. 31, 1998]

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