SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

Report for the Calendar Year or Quarter Ended:

12-31-2023

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:	028-18100

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:	LISA L LESTER
Title:	OPERATIONS ASSISTANT
Phone:	304-324-3220
Signature, Place, and Date of Signing:
/s/ LISA L LESTER		BLUEFIELD, WV	01-12-2024
[Signature]		[City, State]	[Date]

Report Type (Check only one.):
X	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).)

Form 13F Summary Page
	Report Summary:
	Number of Other Included Managers:	0
	Form 13F Information Table Entry Total:	250
	Form 13F Information Table Value Total:	261,178,758
		(thousands)

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE

SEC FORM 13-F Information Table

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	219,295	2,006	SH		SOLE		2,006	0	0
3M CO	COM	88579Y101	131,184	1,200	SH		OTR		1,200	0	0
523 TRACT HOLDINGS LLC	COM	33828A900	1,081,058	1	SH		SOLE		1	0	0
ABBOTT LABS	COM	002824100	497,846	4,523	SH		SOLE		4,523	0	0
ABBOTT LABS	COM	002824100	121,077	1,100	SH		OTR		1,100	0	0
ABBVIE INC	COM	00287Y109	1,365,595	8,812	SH		SOLE		8,812	0	0
ABBVIE INC	COM	00287Y109	205,335	1,325	SH		OTR		1,325	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	211,949	604	SH		OTR		604	0	0
ADOBE SYSTMS INCORPORATED	COM	00724F101	362,136	607	SH		SOLE		607	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,204,720	4,400	SH		SOLE		4,400	0	0
ALPHABET INC	CAP STK CL C	02079K107	599,516	4,254	SH		SOLE		4,254	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,002,415	7,176	SH		SOLE		7,176	0	0
ALPS ETF TR	SLERIAN MLP	00162Q452	224,930	5,290	SH		SOLE		5,290	0	0
ALTRIA GROUP INC	COM	02209S103	180,924	4,485	SH		SOLE		4,485	0	0
ALTRIA GROUP INC	COM	02209S103	220,458	5,465	SH		OTR		5,465	0	0
AMAZON COM INC	COM	023135106	1,506,485	9,915	SH		SOLE		9,915	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	1,000,143	12,314	SH		SOLE		12,314	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	106,560	1,312	SH		OTR		1,312	0	0
AMERICAN EXPRESS CO	COM	025816109	259,465	1,385	SH		SOLE		1,385	0	0
AMERICAN EXPRESS CO	COM	025816109	281,010	1,500	SH		OTR		1,500	0	0
AMGEN INC	COM	031162100	237,040	823	SH		SOLE		823	0	0
AMGEN INC	COM	031162100	144,010	500	SH		OTR		500	0	0
APPLE INC	COM	037833100	4,839,049	25,134	SH		SOLE		25,134	0	0
APPLIED MATLS INC	COM	038222105	396,585	2,447	SH		SOLE		2,447	0	0
AT&T INC	COM	00206R102	700,766	41,762	SH		SOLE		41,762	0	0
AUTODESK INC	COM	052769106	1,217,400	5,000	SH		SOLE		5,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	504,380	2,165	SH		SOLE		2,165	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	23,297	100	SH		OTR		100	0	0
BECTON DICKINSON & CO	COM	075887109	101,677	417	SH		SOLE		417	0	0
BECTON DICKINSON & CO	COM	075887109	146,298	600	SH		OTR		600	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	1,085,250	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,106,359	3,102	SH		SOLE		3,102	0	0
BK OF AMERICA CORP	COM	060505104	330,269	9,809	SH		SOLE		9,809	0	0
BK OF AMERICA CORP	COM	060505104	67,340	2,000	SH		OTR		2,000	0	0
BLACK HILLS CORP	COM	092113109	431,600	8,000	SH		SOLE		8,000	0	0
BOEING CO	COM	097023105	229,902	882	SH		SOLE		882	0	0
BOEING CO	COM	097023105	380,563	1,460	SH		OTR		1,460	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	535,163	10,430	SH		SOLE		10,430	0	0
CAPITAL ONE FINL CORP	COM	14040H105	244,538	1,865	SH		SOLE		1,865	0	0
CAPITAL ONE FINL CORP	COM	14040H105	333,962	2,547	SH		OTR		2,547	0	0
CATERPILLAR INC	COM	149123101	695,415	2,352	SH		SOLE		2,352	0	0
CATERPILLAR INC	COM	149123101	295,670	1,000	SH		OTR		1,000	0	0
CHEVRON CORP NEW	COM	166764100	1,460,574	9,792	SH		SOLE		9,792	0	0
CHEVRON CORP NEW	COM	166764100	298,320	2,000	SH		OTR		2,000	0	0
CHUBB LIMITED	COM	H1467J104	260,126	1,151	SH		SOLE		1,151	0	0
CHUBB LIMITED	COM	H1467J104	12,882	57	SH		OTR		57	0	0
CISCO SYS INC	COM	17275R102	1,607,243	31,814	SH		SOLE		31,814	0	0
CISCO SYS INC	COM	17275R102	42,942	850	SH		OTR		850	0	0
COCA COLA CO	COM	191216100	3,009,908	51,076	SH		SOLE		51,076	0	0
COLGATE PALMOLIVE CO	COM	194162103	862,541	10,821	SH		SOLE		10,821	0	0
COLGATE PALMOLIVE CO	COM	194162103	91,666	1,150	SH		OTR		1,150	0	0
COMCAST CORP NEW	CL A	20030N101	235,079	5,361	SH		SOLE		5,361	0	0
COMCAST CORP NEW	CL A	20030N101	64,327	1,467	SH		OTR		1,467	0	0
CONOCOPHILLIPS	COM	20825C104	371,656	3,202	SH		SOLE		3,202	0	0
COSTCO WHSL CORP NEW	COM	22160K105	269,312	408	SH		SOLE		408	0	0
CSX CORP	COM	126408103	4,871,967	140,524	SH		SOLE		140,524	0	0
DARDEN RESTAURANTS INC	COM	237194105	457,575	2,785	SH		SOLE		2,785	0	0
DIREXION SHS ETF TR	AUSPCE CMD STG	25460E307	1,216,890	43,765	SH		SOLE		43,765	0	0
DISNEY WALT CO	COM	254687106	1,718,218	19,030	SH		SOLE		19,030	0	0
DISNEY WALT CO	COM	254687106	108,348	1,200	SH		OTR		1,200	0	0
DOMINION ENERGY INC	COM	25746U109	261,179	5,557	SH		SOLE		5,557	0	0
DOMINION ENERGY INC	COM	25746U109	42,817	911	SH		OTR		911	0	0
DOW INC	COM	260557103	254,457	4,640	SH		SOLE		4,640	0	0
DOW INC	COM	260557103	52,865	964	SH		OTR		964	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	831,535	8,569	SH		SOLE		8,569	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	49,781	513	SH		OTR		513	0	0
DUPONT DE NEMOURS INC	COM	26614N102	271,024	3,523	SH		SOLE		3,523	0	0
DUPONT DE NEMOURS INC	COM	26614N102	74,160	964	SH		OTR		964	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	1,245,391	16,333	SH		SOLE		16,333	0	0
ELEVANCE HEALTH INC	COM	036752103	306,042	649	SH		SOLE		649	0	0
EMERSON ELEC CO	COM	291011104	1,788,633	18,377	SH		SOLE		18,377	0	0
EMERSON ELEC CO	COM	291011104	145,995	1,500	SH		OTR		1,500	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	1,153,792	20,136	SH		SOLE		20,136	0	0
EXXON MOBIL CORP	COM	30231G102	4,691,161	46,921	SH		SOLE		46,921	0	0
EXXON MOBIL CORP	COM	30231G102	198,360	1,984	SH		OTR		1,984	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	1,307,663	35,247	SH		SOLE		35,247	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	118,534	3,195	SH		OTR		3,195	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	412,648	24,475	SH		SOLE		24,475	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	3,591	213	SH		OTR		213	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	1,410,446	26,197	SH		SOLE		26,197	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	1,011,101	5,420	SH		SOLE		5,420	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,671,313	14,230	SH		SOLE		14,230	0	0
FISERV INC	COM	337738108	1,768,764	13,315	SH		SOLE		13,315	0	0
FRANKLIN RESOURCES INC	COM	354613101	427,784	14,360	SH		SOLE		14,360	0	0
GAMING & LEISURE PPTYS INC	COM	36467J108	464,679	9,416	SH		SOLE		9,416	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,366,383	5,262	SH		SOLE		5,262	0	0
GENERAL ELECTRIC CO	COM	369604301	283,466	2,221	SH		SOLE		2,221	0	0
GENERAL MLS INC	COM	370334104	563,330	8,648	SH		SOLE		8,648	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	1,865,319	54,130	SH		SOLE		54,130	0	0
HARTFORD FINL SVCS GROUP IN	COM	416515104	236,719	2,945	SH		SOLE		2,945	0	0
HERSHEY CO	COM	427866108	1,016,098	5,450	SH		SOLE		5,450	0	0
HOME DEPOT INC	COM	437076102	2,467,782	7,121	SH		SOLE		7,121	0	0
HOME DEPOT INC	COM	437076102	470,614	1,358	SH		OTR		1,358	0	0
HONEYWELL INTL INC	COM	438516106	986,056	4,702	SH		SOLE		4,702	0	0
HONEYWELL INTL INC	COM	438516106	57,670	275	SH		OTR		275	0	0
INTEL CORP	COM	458140100	1,578,754	31,418	SH		SOLE		31,418	0	0
INTEL CORP	COM	458140100	100,500	2,000	SH		OTR		2,000	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,281,474	9,978	SH		SOLE		9,978	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	758,217	4,636	SH		SOLE		4,636	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	179,905	1,100	SH		OTR		1,100	0	0
INTUIT	COM	461202103	250,637	401	SH		SOLE		401	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	1,129,704	13,710	SH		SOLE		13,710	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	1,197,044	51,865	SH		SOLE		51,865	0	0
INVESCO EXCHANGE TRADED FD T	S&P SML600 VAL	46137V167	812,096	7,570	SH		SOLE		7,570	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	8,139,797	51,583	SH		SOLE		51,583	0	0
INVESCO EXCHANGE TRADED FD T	GBL LISTED PVT	46137V118	280,833	4,515	SH		SOLE		4,515	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,309,378	10,523	SH		SOLE		10,523	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	240,525	3,750	SH		SOLE		3,750	0	0
ISHARES SILVER TR	ISHARES	46428Q109	218,344	10,025	SH		SOLE		10,025	0	0
ISHARES SILVER TR	ISHARES	46428Q109	11,979	550	SH		OTR		550	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	492,064	17,580	SH		SOLE		17,580	0	0
ISHARES TR	S&P 100 ETF	464287101	690,945	3,093	SH		SOLE		3,093	0	0
ISHARES TR	S&P TTL STK	464287150	243,081	2,310	SH		SOLE		2,310	0	0
ISHARES TR	SELECT DIVID ETF	464287168	4,775,542	40,740	SH		SOLE		40,740	0	0
ISHARES TR	SELECT DIVID ETF	464287168	11,253	96	SH		OTR		96	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,878,355	8,120	SH		SOLE		8,120	0	0
ISHARES TR	CORE US AGGBD ET	464287226	5,413,591	54,545	SH		SOLE		54,545	0	0
ISHARES TR	CORE US AGGBD ET	464287226	30,271	305	SH		OTR		305	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	3,299,873	82,066	SH		SOLE		82,066	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	11,057	275	SH		OTR		275	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	394,353	5,784	SH		SOLE		5,784	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	1,277,965	18,744	SH		OTR		18,744	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,546,008	20,586	SH		SOLE		20,586	0	0
ISHARES TR	7-10YR TRSY BD	464287440	265,458	2,754	SH		SOLE		2,754	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,633,826	19,915	SH		SOLE		19,915	0	0
ISHARES TR	MSCI EAFE ETF	464287465	6,220,594	82,556	SH		SOLE		82,556	0	0
ISHARES TR	RUS MDCP VAL SFT	464287473	208,740	1,795	SH		SOLE		1,795	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,345,653	12,882	SH		SOLE		12,882	0	0
ISHARES TR	RUS MID CAP ETF	464287499	3,272,044	42,095	SH		SOLE		42,095	0	0
ISHARES TR	RUS MID CAP ETF	464287499	22,153	285	SH		OTR		285	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	5,294,119	19,102	SH		SOLE		19,102	0	0
ISHARES TR	ISHARES BIOTECH	464287556	1,260,552	9,279	SH		SOLE		9,279	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	262,092	3,255	SH		SOLE		3,255	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	1,790,814	10,837	SH		SOLE		10,837	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	276,477	3,490	SH		SOLE		3,490	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	2,229,815	7,355	SH		SOLE		7,355	0	0
ISHARES TR	RUS 1000 ETF	464287622	701,283	2,674	SH		SOLE		2,674	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	3,472,082	17,299	SH		SOLE		17,299	0	0
ISHARES TR	US INDUSTRIALS	464287754	365,952	3,200	SH		SOLE		3,200	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	373,409	4,085	SH		SOLE		4,085	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	712,538	3,976	SH		SOLE		3,976	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	7,261,301	67,079	SH		SOLE		67,079	0	0
ISHARES TR	S&P SML 600 GWT	464287887	299,084	2,390	SH		SOLE		2,390	0	0
ISHARES TR	MSCI ACWI EX US	464288240	257,088	5,037	SH		SOLE		5,037	0	0
ISHARES TR	MSCI ACWI ETF	464288257	314,672	3,092	SH		SOLE		3,092	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,476,369	19,077	SH		SOLE		19,077	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	17,412	225	SH		OTR		225	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	2,207,132	43,045	SH		SOLE		43,045	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	2,755,366	23,524	SH		SOLE		23,524	0	0
ISHARES TR	PFD AND INCM SEC	464288687	3,140,739	100,697	SH		SOLE		100,697	0	0
ISHARES TR	PFD AND INCM SEC	464288687	35,868	1,150	SH		OTR		1,150	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	128,448	2,380	SH		SOLE		2,380	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	887,266	16,440	SH		OTR		16,440	0	0
ISHARES TR	US OIL EQ&SV ETF	464288844	200,239	9,135	SH		SOLE		9,135	0	0
ISHARES TR	MICRO-CAP ETF	464288869	319,082	2,750	SH		SOLE		2,750	0	0
ISHARES TR	US TREAS BD ETF	46429B267	697,282	30,264	SH		SOLE		30,264	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	441,001	8,712	SH		SOLE		8,712	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	3,216,254	31,535	SH		SOLE		31,535	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	14,074	138	SH		OTR		138	0	0
ISHARES TR	MSCI EMRG CHN	46434G764	737,784	13,315	SH		SOLE		13,315	0	0
ISHARES TR	CORE INTL AGGR	46435G672	249,000	5,000	SH		SOLE		5,000	0	0
JOHNSON & JOHNSON	COM	478160104	5,258,000	33,546	SH		SOLE		33,546	0	0
JOHNSON & JOHNSON	COM	478160104	513,323	3,275	SH		OTR		3,275	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,047,153	12,035	SH		SOLE		12,035	0	0
JPMORGAN CHASE & CO	COM	46625H100	228,954	1,346	SH		OTR		1,346	0	0
KRAFT HEINZ CO	COM	500754106	292,142	7,900	SH		SOLE		7,900	0	0
KRAFT HEINZ CO	COM	500754106	31,728	858	SH		OTR		858	0	0
LILLY ELI & CO	COM	532457108	6,023,895	10,334	SH		SOLE		10,334	0	0
LILLY ELI & CO	COM	532457108	96,181	165	SH		OTR		165	0	0
LOWES COS INC	COM	548661107	785,156	3,528	SH		SOLE		3,528	0	0
LOWES COS INC	COM	548661107	159,123	715	SH		OTR		715	0	0
MANULIFE FINL CORP	COM	56501R106	301,421	13,639	SH		SOLE		13,639	0	0
MCDONALDS CORP	COM	580135101	736,827	2,485	SH		SOLE		2,485	0	0
MCDONALDS CORP	COM	580135101	25,203	85	SH		OTR		85	0	0
MERCK & CO INC	COM	58933Y105	529,183	4,854	SH		SOLE		4,854	0	0
MERCK & CO INC	COM	58933Y105	261,648	2,400	SH		OTR		2,400	0	0
META PLATFORMS CDR CIBC	CL A	30303M102	378,383	1,069	SH		SOLE		1,069	0	0
MICROSOFT CORP	COM	594918104	9,067,828	24,114	SH		SOLE		24,114	0	0
MICROSOFT CORP	COM	594918104	1,767,388	4,700	SH		OTR		4,700	0	0
MONDELEZ INTL INC	CL A	609207105	315,794	4,360	SH		SOLE		4,360	0	0
MONDELEZ INTL INC	CL A	609207105	115,888	1,600	SH		OTR		1,600	0	0
NESTLE S A	SPONSORED ADR	641069406	274,926	2,373	SH		SOLE		2,373	0	0
NESTLE S A	SPONSORED ADR	641069406	25,488	220	SH		OTR		220	0	0
NEXTERA ENERGY INC	COM	65339F101	654,777	10,780	SH		SOLE		10,780	0	0
NORFOLK SOUTHN CORP	COM	655844108	1,694,371	7,168	SH		SOLE		7,168	0	0
NORFOLK SOUTHN CORP	COM	655844108	70,914	300	SH		OTR		300	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	368,944	3,654	SH		SOLE		3,654	0	0
NUCOR CORP	COM	670346105	208,848	1,200	SH		OTR		1,200	0	0
NVIDIA CORPORATION	COM	67066G104	447,183	903	SH		SOLE		903	0	0
ORACLE CORP	COM	68389X105	390,091	3,700	SH		SOLE		3,700	0	0
OREILLY AUTOMOTIVE	COM	67103H107	231,819	244	SH		SOLE		244	0	0
PEPSICO INC	COM	713448108	1,932,949	11,381	SH		SOLE		11,381	0	0
PEPSICO INC	COM	713448108	221,641	1,350	SH		OTR		1,350	0	0
PFIZER INC	COM	717081103	855,120	29,702	SH		SOLE		29,702	0	0
PFIZER INC	COM	717081103	73,414	2,550	SH		OTR		2,550	0	0
PHILIP MORRIS INTL INC	COM	718172109	321,753	3,420	SH		SOLE		3,420	0	0
PHILIP MORRIS INTL INC	COM	718172109	476,515	5,065	SH		OTR		5,065	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,655,418	38,593	SH		SOLE		38,593	0	0
PROCTER AND GAMBLE CO	COM	742718109	664,558	4,535	SH		OTR		4,535	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	965,200	12,700	SH		OTR		12,700	0	0
QUALCOMM INC	COM	747525103	592,838	4,099	SH		SOLE		4,099	0	0
QUALCOMM INC	COM	747525103	39,773	275	SH		OTR		275	0	0
RGC RES INC	COM	74955L103	814,108	40,025	SH		SOLE		40,025	0	0
RTX CORPORATION	COM	75513E101	1,742,875	20,714	SH		SOLE		20,714	0	0
RTX CORPORATION	COM	75513E101	90,871	1,080	SH		OTR		1,080	0	0
SCHLUMBERGER LTD	COM STK	806857108	589,717	11,332	SH		SOLE		11,332	0	0
SCHLUMBERGER LTD	COM STK	806857108	67,652	1,300	SH		OTR		1,300	0	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	238,656	2,790	SH		SOLE		2,790	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	662,806	4,860	SH		OTR		4,860	0	0
SELECT SECTOR SPDR TR	SBI CONS SPLS	81369Y308	294,242	4,085	SH		SOLE		4,085	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,301,616	15,525	SH		SOLE		15,525	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,264,112	33,620	SH		SOLE		33,620	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	1,606,461	14,093	SH		SOLE		14,093	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	12,538	110	SH		OTR		110	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	738,160	3,835	SH		SOLE		3,835	0	0
SHELL PLC	SPON ADS	780259305	457,968	6,960	SH		SOLE		6,960	0	0
SOUTHERN CO	COM	842587107	680,795	9,709	SH		SOLE		9,709	0	0
SOUTHERN CO	COM	842587107	22,789	325	SH		OTR		325	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	9,606,015	20,210	SH		SOLE		20,210	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6,179	13	SH		OTR		13	0	0
SPDR SER TR	BBG CON SEC ETF	78464A359	260,100	3,605	SH		SOLE		3,605	0	0
SPDR SER TR	DJ REIT ETF	78464A607	560,195	5,877	SH		SOLE		5,877	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	949,286	37,760	SH		SOLE		37,760	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	371,080	8,850	SH		SOLE		8,850	0	0
STARBUCKS CORP	COM	855244109	330,370	3,441	SH		SOLE		3,441	0	0
STRYKER CORPORATION	COM	863667101	299,460	1,000	SH		OTR		1,000	0	0
SUMMIT FINL GROUP INC	COM	86606G101	5,650,919	184,129	SH		SOLE		184,129	0	0
SUMMIT FINL GROUP INC	COM	86606G101	777,500	25,334	SH		OTR		25,334	0	0
TARGET CORP	COM	87612E106	370,292	2,600	SH		SOLE		2,600	0	0
TEXAS INSTRS INC	COM	882508104	231,996	1,361	SH		SOLE		1,361	0	0
TRACTOR SUPPLY CO	COM	892356106	215,675	1,003	SH		SOLE		1,003	0	0
TRUIST FINL CORP	COM	89832Q109	895,826	24,264	SH		SOLE		24,264	0	0
UNION PAC CORP	COM	907818108	338,955	1,380	SH		SOLE		1,380	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	292,717	556	SH		SOLE		556	0	0
VANECK ETF TRUST	PREFERRED SECURT	92189F429	184,169	10,720	SH		SOLE		10,720	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	1,635,034	9,350	SH		SOLE		9,350	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	436,531	8,455	SH		SOLE		8,455	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	2,181,824	38,864	SH		SOLE		38,864	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,649,552	64,466	SH		SOLE		64,466	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	440,995	2,588	SH		SOLE		2,588	0	0
VANGUARD TAX-MANAGED INTL	F VAN ETSF DEV MKT	921943858	2,080,728	43,439	SH		SOLE		43,439	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,037,353	27,516	SH		SOLE		27,516	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	64,278	1,705	SH		OTR		1,705	0	0
VISA INC	COM CL A	92826C839	738,352	2,836	SH		SOLE		2,836	0	0
WALMART INC	COM	931142103	728,027	4,618	SH		SOLE		4,618	0	0
WASTE MGMT INC DEL	COM	94106L109	2,644,411	14,765	SH		SOLE		14,765	0	0
WASTE MGMT INC DEL	COM	94106L109	35,820	200	SH		OTR		200	0	0
WELLS FARGO CO NEW	COM	949746101	282,818	5,746	SH		SOLE		5,746	0	0
WELLS FARGO CO NEW	COM	949746101	585,176	11,889	SH		OTR		11,889	0	0
WELLTOWER INC	COM	95040Q104	628,034	6,965	SH		SOLE		6,965	0	0