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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

OMB APPROVAL
OMB Number: 3235-0104
Estimated average burden
hours per response...
0.5
                      
Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

Bowling Ronald L
2. Date of Event Requiring Statement (MM/DD/YYYY)
1/1/2020 

3. Issuer Name and Ticker or Trading Symbol

SUMMIT FINANCIAL GROUP INC [SMMF]
(Last)        (First)        (Middle)

PO BOX 716
4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

__X__ Director                          _____ 10% Owner
_____ Officer (give title below)        _____ Other (specify below)
(Street)

MULLENS, WV 25882      

(City)              (State)              (Zip)
5. If Amendment, Date Original Filed(MM/DD/YYYY)
1/2/2020 

6. Individual or Joint/Group Filing(Check Applicable Line)

_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

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 8596 D  
Common Stock 257895 I By Trustee of the H E Lilly Trust, serving with two other trustees 

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 4)
2. Date Exercisable and Expiration Date
(MM/DD/YYYY)
3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)
4. Conversion or Exercise Price of Derivative Security5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)
6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date ExercisableExpiration DateTitleAmount or Number of Shares

Explanation of Responses:

Reporting Owners
Reporting Owner Name / Address
Relationships
Director10% OwnerOfficerOther
Bowling Ronald L
PO BOX 716
MULLENS, WV 25882
X



Signatures
Teresa Ely, Lmtd POA, Attorney-in-Fact1/27/2020
**Signature of Reporting PersonDate

Summit Financial (NASDAQ:SMMF)
Historical Stock Chart
From Oct 2024 to Nov 2024 Click Here for more Summit Financial Charts.
Summit Financial (NASDAQ:SMMF)
Historical Stock Chart
From Nov 2023 to Nov 2024 Click Here for more Summit Financial Charts.