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Section 1: 13F-HR

Form 13F Filer Information

Filer CIK
Filer CCC
File Number
03-31-2018
Period
Is this a LIVE or TEST Filing? LIVE TEST
Would you like a return copy? YES
Is this an electronic copy of an official filing submitted in paper format? YES

Submission Contact Information

Name
Phone
Email Address

Notification Information

Notify via Filing website only? YES

Notification will automatically be sent to the Login CIK, Submission Contact, and Primary Issuers. Specify additional addresses below.

Notification Email Addresses

United States
Securities and Exchange Commission
Washington, D.C. 20549

Form 13F

Form 13F Cover Page

Report for the Calendar Year or Quarter Ended:
03-31-2018
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:

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:
/s/ Cynthia Higgins-Atwell
Title:
Vice President, Trust Operations
Phone:
304-324-3306

Signature, Place, and Date of Signing:

/s/ Cynthia Higgins-Atwell
[Signature]
Moorefield,WV
[City, State]
04-04-2018
[Date]

Report Type (Check only one.):

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).)

List of Other Managers Reporting for this Manager

[If there are no entries in this list, omit this section.]

Form 13F File Number Name

[Repeat as necessary.]

Do you wish to provide information pursuant to Special Instruction 5? Yes No

Additional Information

Form 13F Summary Page

Report Summary:

Number of Other Included Managers:
0
Form 13F Information table Entry Total:
182
Form 13F Information table Value Total:
127801
(thousands)

Confidential information has been omitted from the public Form 13F report and filed separately with the Commission.

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.


NONE





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Section 2: INFORMATION TABLE

FORM 13F INFORMATION TABLE

Column 1 Column 2 Column 3 Column 4 Column 5 Column 6 Column 7 Column 8
Name of Issuer Title of Class CUSIP Value
(x$1000)
SHRS or
PRN AMT
SH/PRN PUT/CALL Investment
DISCRETION
Other
Manager
Voting Authority
Sole Shared None
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 221 1437 SH SOLE 1437 0 0
INGERSOLL-RAND PLC SHS G47791101 367 4291 SH SOLE 4291 0 0
MEDTRONIC PLC SHS G5960L103 278 3465 SH SOLE 3465 0 0
MEDTRONIC PLC SHS G5960L103 16 200 SH OTR 200 0 0
CHUBB LIMITED COM H1467J104 340 2487 SH SOLE 2487 0 0
SOUTHWEST VIRGINIA BANKSHARE COM T90000463 240 5327 SH SOLE 5327 0 0
ABB LTD SPONSORED ADR 000375204 237 10000 SH SOLE 10000 0 0
AT&T INC COM 00206R102 2071 58105 SH SOLE 58105 0 0
AT&T INC COM 00206R102 242 6778 SH OTR 6365 0 413
ABBOTT LABS COM 002824100 437 7298 SH SOLE 7298 0 0
ABBOTT LABS COM 002824100 12 200 SH OTR 200 0 0
ABBVIE INC COM 00287Y109 1108 11710 SH SOLE 11710 0 0
ABBVIE INC COM 00287Y109 19 200 SH OTR 200 0 0
ADOBE SYS INC COM 00724F101 279 1290 SH SOLE 1290 0 0
AIR PRODS & CHEMS INC COM 009158106 840 5285 SH SOLE 5285 0 0
ALPHABET INC CAP STK CL C 02079K107 727 705 SH SOLE 705 0 0
ALPHABET INC CAP STK CL A 02079K305 968 933 SH SOLE 933 0 0
ALTRIA GROUP INC COM 02209S103 426 6840 SH SOLE 6840 0 0
ALTRIA GROUP INC COM 02209S103 34 550 SH OTR 500 0 50
AMAZON COM INC COM 023135106 462 319 SH SOLE 319 0 0
AMERICAN ELEC PWR INC COM 025537101 1042 15196 SH SOLE 15196 0 0
AMERICAN ELEC PWR INC COM 025537101 7 100 SH OTR 100 0 0
AMGEN INC COM 031162100 205 1205 SH SOLE 1205 0 0
AMGEN INC COM 031162100 17 100 SH OTR 100 0 0
APPLE INC COM 037833100 1919 11437 SH SOLE 11437 0 0
APPLE INC COM 037833100 40 240 SH OTR 240 0 0
AUTODESK INC COM 052769106 753 6000 SH SOLE 6000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 629 5540 SH SOLE 5540 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 11 100 SH OTR 100 0 0
BB&T CORP COM 054937107 311 5982 SH SOLE 5982 0 0
BP PLC SPONSORED ADR 055622104 521 12850 SH SOLE 12850 0 0
BP PLC SPONSORED ADR 055622104 20 500 SH OTR 500 0 0
BANK AMER CORP COM 060505104 291 9695 SH SOLE 9695 0 0
BANK AMER CORP COM 060505104 95 3159 SH OTR 3059 0 100
BAXTER INTL INC COM 071813109 849 13050 SH SOLE 13050 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 598 2 SH SOLE 2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1115 5590 SH SOLE 5590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 25 124 SH OTR 0 0 124
BLACK HILLS CORP COM 092113109 654 12050 SH SOLE 12050 0 0
BLACKROCK INC COM 09247X101 596 1100 SH SOLE 1100 0 0
BOEING CO COM 097023105 731 2228 SH SOLE 2228 0 0
BOEING CO COM 097023105 16 50 SH OTR 0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 1483 23442 SH SOLE 23442 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6 100 SH OTR 100 0 0
CME GROUP INC COM CL A 12572Q105 332 2050 SH SOLE 2050 0 0
CSX CORP COM 126408103 2355 42267 SH SOLE 42267 0 0
CSX CORP COM 126408103 187 3357 SH OTR 288 0 3069
CAPITAL ONE FINL CORP COM 14040H105 294 3065 SH SOLE 3065 0 0
CATERPILLAR INC DEL COM 149123101 528 3583 SH SOLE 3583 0 0
CHEVRON CORP NEW COM 166764100 1237 10847 SH SOLE 10847 0 0
CHEVRON CORP NEW COM 166764100 11 100 SH OTR 100 0 0
CISCO SYS INC COM 17275R102 1605 37432 SH SOLE 37432 0 0
CISCO SYS INC COM 17275R102 37 852 SH OTR 852 0 0
COCA COLA CO COM 191216100 2604 59970 SH SOLE 59970 0 0
COCA COLA CO COM 191216100 117 2700 SH OTR 2700 0 0
COLGATE PALMOLIVE CO COM 194162103 908 12664 SH SOLE 12664 0 0
COLGATE PALMOLIVE CO COM 194162103 215 3000 SH OTR 3000 0 0
COMCAST CORP NEW CL A 20030N101 259 7588 SH SOLE 7588 0 0
COMCAST CORP NEW CL A 20030N101 35 1014 SH OTR 0 0 1014
CONOCOPHILLIPS COM 20825C104 361 6091 SH SOLE 6091 0 0
CONOCOPHILLIPS COM 20825C104 12 200 SH OTR 200 0 0
CONSOLIDATED EDISON INC COM 209115104 436 5600 SH SOLE 5600 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 250 2278 SH SOLE 2278 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 26 237 SH OTR 237 0 0
CUMMINS INC COM 231021106 211 1300 SH SOLE 1300 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 222 4046 SH SOLE 4046 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 33 600 SH OTR 600 0 0
DISNEY WALT CO COM DISNEY 254687106 2297 22870 SH SOLE 22870 0 0
DOMINION ENERGY INC COM 25746U109 1163 17247 SH SOLE 17247 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH OTR 62 0 0
DOWDUPONT INC COM 26078J100 3066 48132 SH SOLE 48132 0 0
DOWDUPONT INC COM 26078J100 12 192 SH OTR 192 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1077 13900 SH SOLE 13900 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 17 220 SH OTR 220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 915 6560 SH SOLE 6560 0 0
EMERSON ELEC CO COM 291011104 1265 18519 SH SOLE 18519 0 0
EMERSON ELEC CO COM 291011104 143 2100 SH OTR 2100 0 0
ENBRIDGE INC COM 29250N105 216 6864 SH SOLE 6864 0 0
ENBRIDGE INC COM 29250N105 2 49 SH OTR 49 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 485 19800 SH SOLE 19800 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 7 300 SH OTR 300 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 260 3766 SH SOLE 3766 0 0
EXXON MOBIL CORP COM 30231G102 3789 50789 SH SOLE 50789 0 0
EXXON MOBIL CORP COM 30231G102 494 6616 SH OTR 6528 0 88
FEDERATED INVS INC PA CL B 314211103 334 10000 SH SOLE 10000 0 0
FIRST CMNTY BANCSHARES INC N COM 31983A103 3347 112125 SH SOLE 112125 0 0
FIRST CMNTY CORP COM 31984K100 75 12000 SH SOLE 12000 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1098 9115 SH SOLE 9115 0 0
FISERV INC COM 337738108 1410 19778 SH SOLE 19778 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 820 20714 SH SOLE 20714 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 4 108 SH OTR 108 0 0
GENERAL DYNAMICS CORP COM 369550108 1650 7470 SH SOLE 7470 0 0
GENERAL ELECTRIC CO COM 369604103 600 44533 SH SOLE 44533 0 0
GENERAL ELECTRIC CO COM 369604103 38 2825 SH OTR 425 0 2400
GENERAL MLS INC COM 370334104 450 9978 SH SOLE 9978 0 0
HERSHEY CO COM 427866108 675 6825 SH SOLE 6825 0 0
HIGHLANDS BANKSHARES INC VA COM 430893107 1234 163393 SH SOLE 163393 0 0
HOME DEPOT INC COM 437076102 1634 9170 SH SOLE 9170 0 0
HOME DEPOT INC COM 437076102 87 490 SH OTR 390 0 100
HONEYWELL INTL INC COM 438516106 1134 7850 SH SOLE 7850 0 0
HONEYWELL INTL INC COM 438516106 14 100 SH OTR 100 0 0
INTEL CORP COM 458140100 2353 45178 SH SOLE 45178 0 0
INTEL CORP COM 458140100 26 500 SH OTR 500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 945 13035 SH SOLE 13035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1300 8471 SH SOLE 8471 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 608 3960 SH OTR 200 0 3760
ISHARES TR GLOBAL TECH ETF 464287291 267 1689 SH SOLE 1689 0 0
ISHARES TR NASDAQ BIOTECH 464287556 960 8995 SH SOLE 8995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 192 1800 SH OTR 1800 0 0
ISHARES TR JPMORGAN USD EMG 464288281 206 1830 SH SOLE 1830 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 300 4950 SH SOLE 4950 0 0
ISHARES TR CORE INTL AGGR 46435G672 395 7500 SH SOLE 7500 0 0
JPMORGAN CHASE & CO COM 46625H100 1159 10541 SH SOLE 10541 0 0
JOHNSON & JOHNSON COM 478160104 6634 51770 SH SOLE 51770 0 0
JOHNSON & JOHNSON COM 478160104 467 3645 SH OTR 3645 0 0
KIMBERLY CLARK CORP COM 494368103 541 4912 SH SOLE 4912 0 0
KRAFT HEINZ CO COM 500754106 256 4107 SH SOLE 4107 0 0
L3 TECHNOLOGIES INC COM 502413107 229 1100 SH SOLE 1100 0 0
LILLY ELI & CO COM 532457108 1421 18360 SH SOLE 18360 0 0
LOWES COS INC COM 548661107 400 4557 SH SOLE 4557 0 0
MASTERCARD INCORPORATED CL A 57636Q104 921 5260 SH SOLE 5260 0 0
MCDONALDS CORP COM 580135101 449 2873 SH SOLE 2873 0 0
MERCK & CO INC COM 58933Y105 1021 18740 SH SOLE 18740 0 0
MICROSOFT CORP COM 594918104 3780 41417 SH SOLE 41417 0 0
MICROSOFT CORP COM 594918104 509 5575 SH OTR 5575 0 0
MONDELEZ INTL INC CL A 609207105 241 5785 SH SOLE 5785 0 0
MONDELEZ INTL INC CL A 609207105 10 234 SH OTR 200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 1580 35082 SH SOLE 35082 0 0
NESTLE S A SPONSORED ADR 641069406 350 4437 SH SOLE 4437 0 0
NETFLIX INC COM 64110L106 260 880 SH SOLE 880 0 0
NEXTERA ENERGY INC COM 65339F101 468 2866 SH SOLE 2866 0 0
NORFOLK SOUTHERN CORP COM 655844108 2414 17776 SH SOLE 17776 0 0
NORFOLK SOUTHERN CORP COM 655844108 358 2638 SH OTR 1015 0 1623
NOVARTIS A G SPONSORED ADR 66987V109 358 4426 SH SOLE 4426 0 0
ORACLE CORP COM 68389X105 951 20780 SH SOLE 20780 0 0
PEPSICO INC COM 713448108 1754 16067 SH SOLE 16067 0 0
PEPSICO INC COM 713448108 38 350 SH OTR 350 0 0
PFIZER INC COM 717081103 1383 38970 SH SOLE 38970 0 0
PFIZER INC COM 717081103 190 5350 SH OTR 5350 0 0
PHILIP MORRIS INTL INC COM 718172109 531 5345 SH SOLE 5345 0 0
PHILIP MORRIS INTL INC COM 718172109 5 50 SH OTR 0 0 50
PROCTER AND GAMBLE CO COM 742718109 4120 51963 SH SOLE 51963 0 0
PROCTER AND GAMBLE CO COM 742718109 180 2270 SH OTR 2270 0 0
QUALCOMM INC COM 747525103 220 3972 SH SOLE 3972 0 0
QUANTA SVCS INC COM 74762E102 344 10000 SH SOLE 10000 0 0
RGC RES INC COM 74955L103 2263 89083 SH SOLE 89083 0 0
RAYTHEON CO COM NEW 755111507 1571 7281 SH SOLE 7281 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 639 10007 SH SOLE 10007 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 32 500 SH OTR 500 0 0
SALESFORCE COM INC COM 79466L302 455 3908 SH SOLE 3908 0 0
SCHLUMBERGER LTD COM 806857108 1145 17675 SH SOLE 17675 0 0
SCHLUMBERGER LTD COM 806857108 117 1800 SH OTR 1800 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 355 20887 SH SOLE 20887 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 19 1117 SH OTR 1117 0 0
SIEMENS A G SPONSORED ADR 826197501 592 9300 SH SOLE 9300 0 0
SOUTHERN CO COM 842587107 471 10539 SH SOLE 10539 0 0
STANLEY BLACK & DECKER INC COM 854502101 1024 6685 SH SOLE 6685 0 0
STANLEY BLACK & DECKER INC COM 854502101 155 1014 SH OTR 1014 0 0
STARBUCKS CORP COM 855244109 221 3825 SH SOLE 3825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 3147 125831 SH SOLE 125831 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 777 31078 SH OTR 30000 0 1078
SYSCO CORP COM 871829107 275 4580 SH SOLE 4580 0 0
TARGET CORP COM 87612E106 245 3528 SH SOLE 3528 0 0
3M CO COM 88579Y101 973 4431 SH SOLE 4431 0 0
3M CO COM 88579Y101 22 100 SH OTR 100 0 0
US BANCORP DEL COM NEW 902973304 266 5275 SH SOLE 5275 0 0
UNION PAC CORP COM 907818108 218 1620 SH SOLE 1620 0 0
UNITED PARCEL SERVICE INC CL B 911312106 217 2075 SH SOLE 2075 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1539 12228 SH SOLE 12228 0 0
UNITED TECHNOLOGIES CORP COM 913017109 226 1799 SH OTR 1799 0 0
VANGUARD N Y TAX FREE FD LONG TAXEX INV 92204H103 230 20000 SH SOLE 20000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1785 37333 SH SOLE 37333 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 14 286 SH OTR 0 0 286
VISA INC COM CL A 92826C839 930 7771 SH SOLE 7771 0 0
WALMART INC COM 931142103 400 4500 SH SOLE 4500 0 0
WALMART INC COM 931142103 4 50 SH OTR 50 0 0
WASTE MGMT INC DEL COM 94106L109 1421 16892 SH SOLE 16892 0 0
WASTE MGMT INC DEL COM 94106L109 210 2500 SH OTR 2500 0 0
WELLS FARGO CO NEW COM 949746101 841 16047 SH SOLE 16047 0 0
WELLTOWER INC COM 95040Q104 231 4240 SH SOLE 4240 0 0
WELLTOWER INC COM 95040Q104 14 250 SH OTR 250 0 0
WEYERHAEUSER CO COM 962166104 314 8978 SH SOLE 8978 0 0
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