Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number: 3235-0104
Expires: January 31, 2005
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
  George Georgette R.
 2. Date of Event Requiring Statement (Month/Day/Year)
02/11/2010		 3. Issuer Name and Ticker or Trading Symbol
SUMMIT FINANCIAL GROUP INC [SMMF]
(Last)
(First)
(Middle)
PO BOX 8523		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
_____ Officer (give title below) _____ Other (specify below)
5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

CHARLESTON, WV 25303		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 5,642
D
 
Common Stock 1,000
I
By Father
Common Stock 9,248
I
by 401(k) Plan FBO spouse
Common Stock 5,559
I
By George Brothers Investment Partnership
Common Stock 40,480
I
by Sellaro Enterprises Defined Benefit Plan

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
Persons who 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.

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
8% Non-Cumulative Convertible Preferred Stock, Series 2009 03/01/2010(1) 06/01/2019(1) Common Stock 18,181.81 $ 5.5 I By 401(k) Plan FBO Spouse
8% Non-cumulative Convertible Preferred Stock, Series 2009 03/01/2010(1) 06/01/2019(1) Common Stock 36,363.62 $ 5.5 I by Father-in-Law and Mother-in-Law
8% Non-Cumulative Convertible Preferred Stock, Series 2009 03/01/2010(1) 06/01/2019(1) Common Stock 72,727.24 $ 5.5 I by Mother
8% Non-Cumulative Convertible Preferred Stock, Series 2009 03/01/2010(1) 06/01/2019(1) Common Stock 54,545.43 $ 5.5 I By George Brothers Investment Partnership

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
George Georgette R.
PO BOX 8523
CHARLESTON, WV 25303		   X      

Signatures

Teresa D. Ely, Lmtd POA Attorney-In-Fact 03/09/2010
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The 2009 Series Preferred Stock may be converted at the holder's option on any dividend payment date.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

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 number.