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Section 1: 13F-HR

Form 13F Filer Information

Filer CIK
Filer CCC
File Number
12-31-2018
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:
12-31-2018
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]
01-04-2019
[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:
165
Form 13F Information table Value Total:
117840
(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 209 1482 SH SOLE 1482 0 0
INGERSOLL-RAND PLC SHS G47791101 391 4291 SH SOLE 4291 0 0
MEDTRONIC PLC SHS G5960L103 311 3415 SH SOLE 3415 0 0
MEDTRONIC PLC SHS G5960L103 18 200 SH OTR 200 0 0
CHUBB LIMITED COM H1467J104 279 2163 SH SOLE 2163 0 0
AT&T INC COM 00206R102 1640 57461 SH SOLE 57461 0 0
AT&T INC COM 00206R102 195 6825 SH OTR 6412 0 413
ABBOTT LABS COM 002824100 532 7350 SH SOLE 7350 0 0
ABBOTT LABS COM 002824100 25 350 SH OTR 350 0 0
ABBVIE INC COM 00287Y109 1061 11505 SH SOLE 11505 0 0
ABBVIE INC COM 00287Y109 18 200 SH OTR 200 0 0
ADOBE INC COM 00724F101 225 994 SH SOLE 994 0 0
AIR PRODS & CHEMS INC COM 009158106 712 4450 SH SOLE 4450 0 0
ALPHABET INC CAP STK CL C 02079K107 730 705 SH SOLE 705 0 0
ALPHABET INC CAP STK CL A 02079K305 975 933 SH SOLE 933 0 0
ALTRIA GROUP INC COM 02209S103 225 4550 SH SOLE 4550 0 0
ALTRIA GROUP INC COM 02209S103 27 550 SH OTR 500 0 50
AMAZON COM INC COM 023135106 479 319 SH SOLE 319 0 0
AMERICAN ELEC PWR INC COM 025537101 1056 14130 SH SOLE 14130 0 0
AMERICAN ELEC PWR INC COM 025537101 7 100 SH OTR 100 0 0
AMGEN INC COM 031162100 215 1105 SH SOLE 1105 0 0
AMGEN INC COM 031162100 19 100 SH OTR 100 0 0
APPLE INC COM 037833100 1720 10902 SH SOLE 10902 0 0
APPLE INC COM 037833100 38 240 SH OTR 240 0 0
AUTODESK INC COM 052769106 772 6000 SH SOLE 6000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 654 4990 SH SOLE 4990 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 13 100 SH OTR 100 0 0
BP PLC SPONSORED ADR 055622104 500 13178 SH SOLE 13178 0 0
BP PLC SPONSORED ADR 055622104 19 500 SH OTR 500 0 0
BANK AMER CORP COM 060505104 149 6035 SH SOLE 6035 0 0
BANK AMER CORP COM 060505104 73 2959 SH OTR 2859 0 100
BAXTER INTL INC COM 071813109 740 11250 SH SOLE 11250 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 612 2 SH SOLE 2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1141 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 552 8800 SH SOLE 8800 0 0
BLACKROCK INC COM 09247X101 339 863 SH SOLE 863 0 0
BOEING CO COM 097023105 719 2228 SH SOLE 2228 0 0
BOEING CO COM 097023105 16 50 SH OTR 0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 1104 21242 SH SOLE 21242 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 5 100 SH OTR 100 0 0
CME GROUP INC COM CL A 12572Q105 386 2050 SH SOLE 2050 0 0
CSX CORP COM 126408103 2611 42017 SH SOLE 42017 0 0
CSX CORP COM 126408103 202 3257 SH OTR 188 0 3069
CAPITAL ONE FINL CORP COM 14040H105 232 3065 SH SOLE 3065 0 0
CATERPILLAR INC DEL COM 149123101 443 3483 SH SOLE 3483 0 0
CHEVRON CORP NEW COM 166764100 1126 10347 SH SOLE 10347 0 0
CHEVRON CORP NEW COM 166764100 11 100 SH OTR 100 0 0
CISCO SYS INC COM 17275R102 1618 37332 SH SOLE 37332 0 0
CISCO SYS INC COM 17275R102 37 852 SH OTR 852 0 0
COCA COLA CO COM 191216100 2614 55210 SH SOLE 55210 0 0
COCA COLA CO COM 191216100 128 2700 SH OTR 2700 0 0
COLGATE PALMOLIVE CO COM 194162103 727 12214 SH SOLE 12214 0 0
COLGATE PALMOLIVE CO COM 194162103 179 3000 SH OTR 3000 0 0
COMCAST CORP NEW CL A 20030N101 255 7488 SH SOLE 7488 0 0
COMCAST CORP NEW CL A 20030N101 35 1014 SH OTR 0 0 1014
CONOCOPHILLIPS COM 20825C104 370 5941 SH SOLE 5941 0 0
CONSOLIDATED EDISON INC COM 209115104 413 5400 SH SOLE 5400 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 187 1719 SH SOLE 1719 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 26 237 SH OTR 237 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 177 3546 SH SOLE 3546 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 30 600 SH OTR 600 0 0
DISNEY WALT CO COM DISNEY 254687106 2502 22815 SH SOLE 22815 0 0
DOMINION ENERGY INC COM 25746U109 668 9353 SH SOLE 9353 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH OTR 62 0 0
DOWDUPONT INC COM 26078J100 2539 47471 SH SOLE 47471 0 0
DOWDUPONT INC COM 26078J100 21 392 SH OTR 392 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 846 9799 SH SOLE 9799 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 19 220 SH OTR 220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1005 6560 SH SOLE 6560 0 0
EMERSON ELEC CO COM 291011104 1060 17733 SH SOLE 17733 0 0
EMERSON ELEC CO COM 291011104 125 2100 SH OTR 2100 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 251 10200 SH SOLE 10200 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 7 300 SH OTR 300 0 0
EXXON MOBIL CORP COM 30231G102 3378 49531 SH SOLE 49531 0 0
EXXON MOBIL CORP COM 30231G102 451 6616 SH OTR 6528 0 88
FEDERATED INVS INC PA CL B 314211103 266 10000 SH SOLE 10000 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 3376 107229 SH SOLE 107229 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1063 9115 SH SOLE 9115 0 0
FISERV INC COM 337738108 1439 19578 SH SOLE 19578 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 761 23064 SH SOLE 23064 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 4 130 SH OTR 130 0 0
GENERAL DYNAMICS CORP COM 369550108 860 5470 SH SOLE 5470 0 0
GENERAL ELECTRIC CO COM 369604103 182 24060 SH SOLE 24060 0 0
GENERAL ELECTRIC CO COM 369604103 21 2825 SH OTR 425 0 2400
GENERAL MLS INC COM 370334104 341 8750 SH SOLE 8750 0 0
HERSHEY CO COM 427866108 732 6825 SH SOLE 6825 0 0
HOME DEPOT INC COM 437076102 1576 9170 SH SOLE 9170 0 0
HOME DEPOT INC COM 437076102 78 455 SH OTR 355 0 100
HONEYWELL INTL INC COM 438516106 978 7400 SH SOLE 7400 0 0
HONEYWELL INTL INC COM 438516106 7 50 SH OTR 50 0 0
INTEL CORP COM 458140100 2022 43078 SH SOLE 43078 0 0
INTEL CORP COM 458140100 23 500 SH OTR 500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 982 13035 SH SOLE 13035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 811 7135 SH SOLE 7135 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 450 3960 SH OTR 200 0 3760
INVESCO QQQ TR UNIT SER 1 46090E103 2752 17838 SH SOLE 17838 0 0
ISHARES TR GLOBAL TECH ETF 464287291 229 1589 SH SOLE 1589 0 0
ISHARES TR NASDAQ BIOTECH 464287556 867 8995 SH SOLE 8995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 174 1800 SH OTR 1800 0 0
ISHARES TR CORE INTL AGGR 46435G672 392 7500 SH SOLE 7500 0 0
JPMORGAN CHASE & CO COM 46625H100 993 10169 SH SOLE 10169 0 0
JOHNSON & JOHNSON COM 478160104 6672 51700 SH SOLE 51700 0 0
JOHNSON & JOHNSON COM 478160104 463 3590 SH OTR 3590 0 0
KIMBERLY CLARK CORP COM 494368103 439 3850 SH SOLE 3850 0 0
LILLY ELI & CO COM 532457108 2063 17830 SH SOLE 17830 0 0
LOWES COS INC COM 548661107 421 4557 SH SOLE 4557 0 0
MASTERCARD INCORPORATED CL A 57636Q104 992 5260 SH SOLE 5260 0 0
MCDONALDS CORP COM 580135101 510 2873 SH SOLE 2873 0 0
MERCK & CO INC COM 58933Y105 335 4383 SH SOLE 4383 0 0
MICROSOFT CORP COM 594918104 4175 41103 SH SOLE 41103 0 0
MICROSOFT CORP COM 594918104 566 5575 SH OTR 5575 0 0
MONDELEZ INTL INC CL A 609207105 207 5160 SH SOLE 5160 0 0
MONDELEZ INTL INC CL A 609207105 9 234 SH OTR 200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 1278 35082 SH SOLE 35082 0 0
NESTLE S A SPONSORED ADR 641069406 315 3887 SH SOLE 3887 0 0
NETFLIX INC COM 64110L106 236 880 SH SOLE 880 0 0
NEXTERA ENERGY INC COM 65339F101 498 2866 SH SOLE 2866 0 0
NORFOLK SOUTHERN CORP COM 655844108 2532 16931 SH SOLE 16931 0 0
NORFOLK SOUTHERN CORP COM 655844108 394 2638 SH OTR 1015 0 1623
NOVARTIS A G SPONSORED ADR 66987V109 380 4426 SH SOLE 4426 0 0
NUVEEN MUN TR SHDU HYD MUN I 67065Q699 2456 241991 SH SOLE 241991 0 0
ORACLE CORP COM 68389X105 257 5700 SH SOLE 5700 0 0
PEPSICO INC COM 713448108 1775 16067 SH SOLE 16067 0 0
PEPSICO INC COM 713448108 39 350 SH OTR 350 0 0
PFIZER INC COM 717081103 1699 38922 SH SOLE 38922 0 0
PFIZER INC COM 717081103 234 5350 SH OTR 5350 0 0
PHILIP MORRIS INTL INC COM 718172109 253 3795 SH SOLE 3795 0 0
PHILIP MORRIS INTL INC COM 718172109 3 50 SH OTR 0 0 50
PROCTER AND GAMBLE CO COM 742718109 4740 51562 SH SOLE 51562 0 0
PROCTER AND GAMBLE CO COM 742718109 209 2270 SH OTR 2270 0 0
RGC RES INC COM 74955L103 2156 71958 SH SOLE 71958 0 0
RAYTHEON CO COM NEW 755111507 1117 7281 SH SOLE 7281 0 0
REALTY INCOME CORP COM 756109104 107 1700 SH SOLE 1700 0 0
REALTY INCOME CORP COM 756109104 95 1500 SH OTR 1500 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 581 9974 SH SOLE 9974 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 17 300 SH OTR 300 0 0
SALESFORCE COM INC COM 79466L302 535 3908 SH SOLE 3908 0 0
SCHLUMBERGER LTD COM 806857108 518 14366 SH SOLE 14366 0 0
SCHLUMBERGER LTD COM 806857108 65 1800 SH OTR 1800 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 172 11651 SH SOLE 11651 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 17 1117 SH OTR 1117 0 0
SOUTHERN CO COM 842587107 455 10363 SH SOLE 10363 0 0
STANLEY BLACK & DECKER INC COM 854502101 729 6085 SH SOLE 6085 0 0
STANLEY BLACK & DECKER INC COM 854502101 121 1014 SH OTR 1014 0 0
STARBUCKS CORP COM 855244109 246 3825 SH SOLE 3825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 2376 123065 SH SOLE 123065 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 600 31078 SH OTR 30000 0 1078
TARGET CORP COM 87612E106 233 3528 SH SOLE 3528 0 0
3M CO COM 88579Y101 534 2801 SH SOLE 2801 0 0
US BANCORP DEL COM NEW 902973304 241 5275 SH SOLE 5275 0 0
UNION PAC CORP COM 907818108 224 1620 SH SOLE 1620 0 0
UNITED PARCEL SERVICE INC CL B 911312106 202 2075 SH SOLE 2075 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1310 12303 SH SOLE 12303 0 0
UNITED TECHNOLOGIES CORP COM 913017109 192 1799 SH OTR 1799 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2080 37003 SH SOLE 37003 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 16 286 SH OTR 0 0 286
VISA INC COM CL A 92826C839 1025 7771 SH SOLE 7771 0 0
WALMART INC COM 931142103 419 4500 SH SOLE 4500 0 0
WALMART INC COM 931142103 5 50 SH OTR 50 0 0
WASTE MGMT INC DEL COM 94106L109 1512 16992 SH SOLE 16992 0 0
WASTE MGMT INC DEL COM 94106L109 222 2500 SH OTR 2500 0 0
WELLS FARGO CO NEW COM 949746101 735 15947 SH SOLE 15947 0 0
WELLTOWER INC COM 95040Q104 214 3090 SH SOLE 3090 0 0
WELLTOWER INC COM 95040Q104 17 250 SH OTR 250 0 0
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