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Section 1: 13F-HR

Form 13F Filer Information

Filer CIK
Filer CCC
File Number
09-30-2018
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:
09-30-2018
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]
10-03-2018
[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:
174
Form 13F Information table Value Total:
134188
(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 252 1482 SH SOLE 1482 0 0
INGERSOLL-RAND PLC SHS G47791101 439 4291 SH SOLE 4291 0 0
MEDTRONIC PLC SHS G5960L103 336 3415 SH SOLE 3415 0 0
MEDTRONIC PLC SHS G5960L103 20 200 SH OTR 200 0 0
CHUBB LIMITED COM H1467J104 289 2163 SH SOLE 2163 0 0
AT&T INC COM 00206R102 1927 57386 SH SOLE 57386 0 0
AT&T INC COM 00206R102 229 6825 SH OTR 6412 0 413
ABBOTT LABS COM 002824100 539 7350 SH SOLE 7350 0 0
ABBOTT LABS COM 002824100 26 350 SH OTR 350 0 0
ABBVIE INC COM 00287Y109 1088 11505 SH SOLE 11505 0 0
ABBVIE INC COM 00287Y109 19 200 SH OTR 200 0 0
ADOBE SYS INC COM 00724F101 268 994 SH SOLE 994 0 0
AIR PRODS & CHEMS INC COM 009158106 743 4450 SH SOLE 4450 0 0
ALPHABET INC CAP STK CL C 02079K107 841 705 SH SOLE 705 0 0
ALPHABET INC CAP STK CL A 02079K305 1126 933 SH SOLE 933 0 0
ALTRIA GROUP INC COM 02209S103 274 4550 SH SOLE 4550 0 0
ALTRIA GROUP INC COM 02209S103 33 550 SH OTR 500 0 50
AMAZON COM INC COM 023135106 639 319 SH SOLE 319 0 0
AMERICAN ELEC PWR INC COM 025537101 1072 15130 SH SOLE 15130 0 0
AMERICAN ELEC PWR INC COM 025537101 7 100 SH OTR 100 0 0
AMGEN INC COM 031162100 250 1205 SH SOLE 1205 0 0
AMGEN INC COM 031162100 21 100 SH OTR 100 0 0
APPLE INC COM 037833100 2461 10902 SH SOLE 10902 0 0
APPLE INC COM 037833100 54 240 SH OTR 240 0 0
AUTODESK INC COM 052769106 937 6000 SH SOLE 6000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 774 5140 SH SOLE 5140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 15 100 SH OTR 100 0 0
BP PLC SPONSORED ADR 055622104 592 12850 SH SOLE 12850 0 0
BP PLC SPONSORED ADR 055622104 23 500 SH OTR 500 0 0
BANK AMER CORP COM 060505104 243 8235 SH SOLE 8235 0 0
BANK AMER CORP COM 060505104 87 2959 SH OTR 2859 0 100
BAXTER INTL INC COM 071813109 867 11250 SH SOLE 11250 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 640 2 SH SOLE 2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1197 5590 SH SOLE 5590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 27 124 SH OTR 0 0 124
BLACK HILLS CORP COM 092113109 511 8800 SH SOLE 8800 0 0
BLACKROCK INC COM 09247X101 518 1100 SH SOLE 1100 0 0
BOEING CO COM 097023105 829 2228 SH SOLE 2228 0 0
BOEING CO COM 097023105 19 50 SH OTR 0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 1319 21242 SH SOLE 21242 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6 100 SH OTR 100 0 0
CME GROUP INC COM CL A 12572Q105 349 2050 SH SOLE 2050 0 0
CSX CORP COM 126408103 3111 42017 SH SOLE 42017 0 0
CSX CORP COM 126408103 241 3257 SH OTR 188 0 3069
CAPITAL ONE FINL CORP COM 14040H105 291 3065 SH SOLE 3065 0 0
CATERPILLAR INC DEL COM 149123101 531 3483 SH SOLE 3483 0 0
CHEVRON CORP NEW COM 166764100 1265 10347 SH SOLE 10347 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH OTR 100 0 0
CISCO SYS INC COM 17275R102 1816 37332 SH SOLE 37332 0 0
CISCO SYS INC COM 17275R102 41 852 SH OTR 852 0 0
COCA COLA CO COM 191216100 2570 55650 SH SOLE 55650 0 0
COCA COLA CO COM 191216100 125 2700 SH OTR 2700 0 0
COLGATE PALMOLIVE CO COM 194162103 818 12214 SH SOLE 12214 0 0
COLGATE PALMOLIVE CO COM 194162103 201 3000 SH OTR 3000 0 0
COMCAST CORP NEW CL A 20030N101 265 7488 SH SOLE 7488 0 0
COMCAST CORP NEW CL A 20030N101 36 1014 SH OTR 0 0 1014
CONOCOPHILLIPS COM 20825C104 460 5941 SH SOLE 5941 0 0
CONSOLIDATED EDISON INC COM 209115104 411 5400 SH SOLE 5400 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 191 1719 SH SOLE 1719 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 26 237 SH OTR 237 0 0
DARDEN RESTAURANTS INC COM 237194105 217 1953 SH SOLE 1953 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 217 3746 SH SOLE 3746 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 35 600 SH OTR 600 0 0
DISNEY WALT CO COM DISNEY 254687106 2674 22870 SH SOLE 22870 0 0
DOMINION ENERGY INC COM 25746U109 685 9752 SH SOLE 9752 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH OTR 62 0 0
DOWDUPONT INC COM 26078J100 3054 47496 SH SOLE 47496 0 0
DOWDUPONT INC COM 26078J100 25 392 SH OTR 392 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 786 9824 SH SOLE 9824 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 18 220 SH OTR 220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1142 6560 SH SOLE 6560 0 0
EMERSON ELEC CO COM 291011104 1358 17733 SH SOLE 17733 0 0
EMERSON ELEC CO COM 291011104 161 2100 SH OTR 2100 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 293 10200 SH SOLE 10200 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 9 300 SH OTR 300 0 0
EXXON MOBIL CORP COM 30231G102 4212 49541 SH SOLE 49541 0 0
EXXON MOBIL CORP COM 30231G102 562 6616 SH OTR 6528 0 88
FEDERATED INVS INC PA CL B 314211103 241 10000 SH SOLE 10000 0 0
FIRST CMNTY BANCSHARES INC N COM 31983A103 3757 110886 SH SOLE 110886 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1290 9115 SH SOLE 9115 0 0
FISERV INC COM 337738108 1613 19578 SH SOLE 19578 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 877 21010 SH SOLE 21010 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 5 109 SH OTR 109 0 0
GENERAL DYNAMICS CORP COM 369550108 1120 5470 SH SOLE 5470 0 0
GENERAL ELECTRIC CO COM 369604103 288 25510 SH SOLE 25510 0 0
GENERAL ELECTRIC CO COM 369604103 32 2825 SH OTR 425 0 2400
GENERAL MLS INC COM 370334104 376 8750 SH SOLE 8750 0 0
HERSHEY CO COM 427866108 696 6825 SH SOLE 6825 0 0
HOME DEPOT INC COM 437076102 1900 9170 SH SOLE 9170 0 0
HOME DEPOT INC COM 437076102 94 455 SH OTR 355 0 100
HONEYWELL INTL INC COM 438516106 1281 7700 SH SOLE 7700 0 0
HONEYWELL INTL INC COM 438516106 8 50 SH OTR 50 0 0
INTEL CORP COM 458140100 2037 43078 SH SOLE 43078 0 0
INTEL CORP COM 458140100 24 500 SH OTR 500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 976 13035 SH SOLE 13035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1132 7485 SH SOLE 7485 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 599 3960 SH OTR 200 0 3760
INVESCO QQQ TR UNIT SER 1 46090E103 3314 17838 SH SOLE 17838 0 0
ISHARES TR GLOBAL TECH ETF 464287291 278 1589 SH SOLE 1589 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1097 8995 SH SOLE 8995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 219 1800 SH OTR 1800 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 298 4950 SH SOLE 4950 0 0
ISHARES TR CORE INTL AGGR 46435G672 392 7500 SH SOLE 7500 0 0
JPMORGAN CHASE & CO COM 46625H100 1152 10206 SH SOLE 10206 0 0
JOHNSON & JOHNSON COM 478160104 7155 51785 SH SOLE 51785 0 0
JOHNSON & JOHNSON COM 478160104 496 3590 SH OTR 3590 0 0
KIMBERLY CLARK CORP COM 494368103 438 3850 SH SOLE 3850 0 0
L3 TECHNOLOGIES INC COM 502413107 234 1100 SH SOLE 1100 0 0
LILLY ELI & CO COM 532457108 1967 18330 SH SOLE 18330 0 0
LOWES COS INC COM 548661107 523 4557 SH SOLE 4557 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1171 5260 SH SOLE 5260 0 0
MCDONALDS CORP COM 580135101 481 2873 SH SOLE 2873 0 0
MERCK & CO INC COM 58933Y105 311 4383 SH SOLE 4383 0 0
MICROSOFT CORP COM 594918104 4713 41208 SH SOLE 41208 0 0
MICROSOFT CORP COM 594918104 638 5575 SH OTR 5575 0 0
MONDELEZ INTL INC CL A 609207105 222 5160 SH SOLE 5160 0 0
MONDELEZ INTL INC CL A 609207105 10 234 SH OTR 200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 1594 35082 SH SOLE 35082 0 0
NESTLE S A SPONSORED ADR 641069406 326 3887 SH SOLE 3887 0 0
NETFLIX INC COM 64110L106 329 880 SH SOLE 880 0 0
NEXTERA ENERGY INC COM 65339F101 480 2866 SH SOLE 2866 0 0
NORFOLK SOUTHERN CORP COM 655844108 3124 17306 SH SOLE 17306 0 0
NORFOLK SOUTHERN CORP COM 655844108 476 2638 SH OTR 1015 0 1623
NOVARTIS A G SPONSORED ADR 66987V109 381 4426 SH SOLE 4426 0 0
ORACLE CORP COM 68389X105 294 5700 SH SOLE 5700 0 0
PEPSICO INC COM 713448108 1796 16067 SH SOLE 16067 0 0
PEPSICO INC COM 713448108 39 350 SH OTR 350 0 0
PFIZER INC COM 717081103 1715 38922 SH SOLE 38922 0 0
PFIZER INC COM 717081103 236 5350 SH OTR 5350 0 0
PHILIP MORRIS INTL INC COM 718172109 309 3795 SH SOLE 3795 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH OTR 0 0 50
PHILLIPS 66 COM 718546104 204 1806 SH SOLE 1806 0 0
PROCTER AND GAMBLE CO COM 742718109 4296 51622 SH SOLE 51622 0 0
PROCTER AND GAMBLE CO COM 742718109 189 2270 SH OTR 2270 0 0
QUALCOMM INC COM 747525103 243 3369 SH SOLE 3369 0 0
RGC RES INC COM 74955L103 1932 72333 SH SOLE 72333 0 0
RAYTHEON CO COM NEW 755111507 1505 7281 SH SOLE 7281 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 680 9974 SH SOLE 9974 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 20 300 SH OTR 300 0 0
SALESFORCE COM INC COM 79466L302 621 3908 SH SOLE 3908 0 0
SCHLUMBERGER LTD COM 806857108 875 14366 SH SOLE 14366 0 0
SCHLUMBERGER LTD COM 806857108 110 1800 SH OTR 1800 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 204 11517 SH SOLE 11517 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 20 1117 SH OTR 1117 0 0
SIEMENS A G SPONSORED ADR 826197501 596 9300 SH SOLE 9300 0 0
SOUTHERN CO COM 842587107 452 10363 SH SOLE 10363 0 0
STANLEY BLACK & DECKER INC COM 854502101 964 6585 SH SOLE 6585 0 0
STANLEY BLACK & DECKER INC COM 854502101 148 1014 SH OTR 1014 0 0
STARBUCKS CORP COM 855244109 217 3825 SH SOLE 3825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 2868 123583 SH SOLE 123583 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 721 31078 SH OTR 30000 0 1078
SYSCO CORP COM 871829107 283 3870 SH SOLE 3870 0 0
TARGET CORP COM 87612E102 311 3528 SH SOLE 3528 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 201 825 SH SOLE 825 0 0
3M CO COM 88579Y101 625 2966 SH SOLE 2966 0 0
US BANCORP DEL COM NEW 902973304 279 5275 SH SOLE 5275 0 0
UNION PAC CORP COM 907818108 264 1620 SH SOLE 1620 0 0
UNITED PARCEL SERVICE INC CL B 911312106 242 2075 SH SOLE 2075 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1710 12228 SH SOLE 12228 0 0
UNITED TECHNOLOGIES CORP COM 913017109 252 1799 SH OTR 1799 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1629 37646 SH SOLE 37646 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 286 6600 SH OTR 6600 0 0
VANGUARD N Y TAX FREE FD LONG TAXEX INV 92204H103 227 20000 SH SOLE 20000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1976 37003 SH SOLE 37003 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 15 286 SH OTR 0 0 286
VISA INC COM CL A 92826C839 1166 7771 SH SOLE 7771 0 0
WALMART INC COM 931142103 423 4500 SH SOLE 4500 0 0
WALMART INC COM 931142103 5 50 SH OTR 50 0 0
WASTE MGMT INC DEL COM 94106L109 1535 16992 SH SOLE 16992 0 0
WASTE MGMT INC DEL COM 94106L109 226 2500 SH OTR 2500 0 0
WELLS FARGO CO NEW COM 949746101 843 16047 SH SOLE 16047 0 0
WELLTOWER INC COM 95040Q104 199 3090 SH SOLE 3090 0 0
WELLTOWER INC COM 95040Q104 16 250 SH OTR 250 0 0
WEYERHAEUSER CO COM 962166104 283 8778 SH SOLE 8778 0 0
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