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:

03-31-2024

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	04-05-2024
[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:	258
	Form 13F Information Table Value Total:	281,264,099
		(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	224,444	2,116	SH		SOLE		2,116	0	0
3M CO	COM	88579Y101	127,284	1,200	SH		OTR		1,200	0	0
523 TRACT HOLDONGS LLC	COM	33828A900	1,081,058	1	SH		SOLE		1	0	0
ABBOTT LABS	COM	002824100	514,084	4,523	SH		SOLE		4,523	0	0
ABBOTT LABS	COM	002824100	125,026	1,100	SH		OTR		1,100	0	0
ABBVIE INC	COM	00287Y109	1,591,918	8,742	SH		SOLE		8,742	0	0
ABBVIE INC	COM	00287Y109	241,282	1,325	SH		OTR		1,325	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	278,674	804	SH		OTR		804	0	0
ADOBE SYSTMS INCORPORATED	COM	00724F101	306,292	607	SH		SOLE		607	0	0
AIR PRODS & CHEMS INC	COM	009158106	1,065,988	4,400	SH		SOLE		4,400	0	0
ALPHABET INC	CAP STK CL C	02079K107	647,714	4,254	SH		SOLE		4,254	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,083,073	7,176	SH		SOLE		7,176	0	0
ALPS ETF TR	SLERIAN MLP	00162Q452	373,984	7,880	SH		SOLE		7,880	0	0
ALTRIA GROUP INC	COM	02209S103	195,635	4,485	SH		SOLE		4,485	0	0
ALTRIA GROUP INC	COM	02209S103	238,383	5,465	SH		OTR		5,465	0	0
AMAZON COM INC	COM	023135106	1,788,467	9,915	SH		SOLE		9,915	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	923,594	10,727	SH		SOLE		10,727	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	112,963	1,312	SH		OTR		1,312	0	0
AMERICAN EXPRESS CO	COM	025816109	315,350	1,385	SH		SOLE		1,385	0	0
AMERICAN EXPRESS CO	COM	025816109	341,535	1,500	SH		OTR		1,500	0	0
AMGEN INC	COM	031162100	223,759	787	SH		SOLE		787	0	0
AMGEN INC	COM	031162100	142,160	500	SH		OTR		500	0	0
APPLE INC	COM	037833100	4,284,256	24,984	SH		SOLE		24,984	0	0
APPLIED MATLS INC	COM	038222105	504,644	2,447	SH		SOLE		2,447	0	0
AT&T INC	COM	00206R102	664,312	37,745	SH		SOLE		37,745	0	0
AUTODESK INC	COM	052769106	1,302,100	5,000	SH		SOLE		5,000	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	529,448	2,120	SH		SOLE		2,120	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	24,974	100	SH		OTR		100	0	0
BECTON DICKINSON & CO	COM	075887109	101,949	412	SH		SOLE		412	0	0
BECTON DICKINSON & CO	COM	075887109	148,470	600	SH		OTR		600	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	1,268,880	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,304,453	3,102	SH		SOLE		3,102	0	0
BK OF AMERICA CORP	COM	060505104	371,957	9,809	SH		SOLE		9,809	0	0
BK OF AMERICA CORP	COM	060505104	75,840	2,000	SH		OTR		2,000	0	0
BLACK HILLS CORP	COM	092113109	436,800	8,000	SH		SOLE		8,000	0	0
BOEING CO	COM	097023105	170,217	882	SH		SOLE		882	0	0
BOEING CO	COM	097023105	281,765	1,460	SH		OTR		1,460	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	564,263	10,405	SH		SOLE		10,405	0	0
CAPITAL ONE FINL CORP	COM	14040H105	277,679	1,865	SH		SOLE		1,865	0	0
CAPITAL ONE FINL CORP	COM	14040H105	379,222	2,547	SH		OTR		2,547	0	0
CATERPILLAR INC	COM	149123101	784,893	2,142	SH		SOLE		2,142	0	0
CATERPILLAR INC	COM	149123101	366,430	1,000	SH		OTR		1,000	0	0
CHEVRON CORP NEW	COM	166764100	1,528,816	9,692	SH		SOLE		9,692	0	0
CHEVRON CORP NEW	COM	166764100	315,480	2,000	SH		OTR		2,000	0	0
CHUBB LIMITED	COM	H1467J104	298,258	1,151	SH		SOLE		1,151	0	0
CHUBB LIMITED	COM	H1467J104	14,770	57	SH		OTR		57	0	0
CISCO SYS INC	COM	17275R102	1,597,669	32,011	SH		SOLE		32,011	0	0
CISCO SYS INC	COM	17275R102	42,423	850	SH		OTR		850	0	0
COCA COLA CO	COM	191216100	3,132,966	51,209	SH		SOLE		51,209	0	0
COLGATE PALMOLIVE CO	COM	194162103	928,055	10,306	SH		SOLE		10,306	0	0
COLGATE PALMOLIVE CO	COM	194162103	103,557	1,150	SH		OTR		1,150	0	0
COMCAST CORP NEW	CL A	20030N101	232,399	5,361	SH		SOLE		5,361	0	0
COMCAST CORP NEW	CL A	20030N101	63,594	1,467	SH		OTR		1,467	0	0
CONOCOPHILLIPS	COM	20825C104	407,550	3,202	SH		SOLE		3,202	0	0
COSTCO WHSL CORP NEW	COM	22160K105	298,913	408	SH		SOLE		408	0	0
CSX CORP	COM	126408103	4,708,779	127,024	SH		SOLE		127,024	0	0
DARDEN RESTAURANTS INC	COM	237194105	465,512	2,785	SH		SOLE		2,785	0	0
DIREXION SHS ETF TR	AUSPCE CMD STG	25460E307	1,173,459	41,465	SH		SOLE		41,465	0	0
DISNEY WALT CO	COM	254687106	2,307,097	18,855	SH		SOLE		18,855	0	0
DISNEY WALT CO	COM	254687106	146,832	1,200	SH		OTR		1,200	0	0
DOMINION ENERGY INC	COM	25746U109	262,723	5,341	SH		SOLE		5,341	0	0
DOMINION ENERGY INC	COM	25746U109	44,812	911	SH		OTR		911	0	0
DOW INC	COM	260557103	252,922	4,366	SH		SOLE		4,366	0	0
DOW INC	COM	260557103	55,844	964	SH		OTR		964	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	826,290	8,544	SH		SOLE		8,544	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	49,612	513	SH		OTR		513	0	0
DUPONT DE NEMOURS INC	COM	26614N102	245,420	3,201	SH		SOLE		3,201	0	0
DUPONT DE NEMOURS INC	COM	26614N102	73,909	964	SH		OTR		964	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	1,560,781	16,333	SH		SOLE		16,333	0	0
ELEVANCE HEALTH INC	COM	036752103	336,532	649	SH		SOLE		649	0	0
EMERSON ELEC CO	COM	291011104	2,084,319	18,377	SH		SOLE		18,377	0	0
EMERSON ELEC CO	COM	291011104	170,130	1,500	SH		OTR		1,500	0	0
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	1,140,020	19,441	SH		SOLE		19,441	0	0
EXXON MOBIL CORP	COM	30231G102	5,367,498	46,176	SH		SOLE		46,176	0	0
EXXON MOBIL CORP	COM	30231G102	230,620	1,984	SH		OTR		1,984	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	1,220,603	35,247	SH		SOLE		35,247	0	0
FIRST CMNTY BANKSHARES INC V	COM	31983A103	110,642	3,195	SH		OTR		3,195	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	423,907	24,475	SH		SOLE		24,475	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	3,689	213	SH		OTR		213	0	0
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	1,493,038	26,477	SH		SOLE		26,477	0	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	1,111,177	5,418	SH		SOLE		5,418	0	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	1,756,654	14,178	SH		SOLE		14,178	0	0
FISERV INC	COM	337738108	2,120,012	13,265	SH		SOLE		13,265	0	0
FORTUNE BRANDS INNOVATIONS I	COM	34964C106	203,208	2,400	SH		SOLE		2,400	0	0
FRANKLIN RESOURCES INC	COM	354613101	403,659	14,360	SH		SOLE		14,360	0	0
GAMING & LEISURE PPTYS INC	COM	36467J108	433,795	9,416	SH		SOLE		9,416	0	0
GENERAL DYNAMICS CORP	COM	369550108	1,486,462	5,262	SH		SOLE		5,262	0	0
GENERAL ELECTRIC CO	COM	369604301	389,852	2,221	SH		SOLE		2,221	0	0
GENERAL MLS INC	COM	370334104	574,313	8,208	SH		SOLE		8,208	0	0
GLOBAL X FDS	US INFR DEV ETF	37954Y673	2,280,316	57,280	SH		SOLE		57,280	0	0
HARTFORD FINL SVCS GROUP IN	COM	416515104	303,482	2,945	SH		SOLE		2,945	0	0
HERSHEY CO	COM	427866108	1,016,262	5,225	SH		SOLE		5,225	0	0
HOME DEPOT INC	COM	437076102	2,668,321	6,956	SH		SOLE		6,956	0	0
HOME DEPOT INC	COM	437076102	520,928	1,358	SH		OTR		1,358	0	0
HONEYWELL INTL INC	COM	438516106	927,114	4,517	SH		SOLE		4,517	0	0
HONEYWELL INTL INC	COM	438516106	56,443	275	SH		OTR		275	0	0
I SHARES GOLD TR	ISHARES NEW	464285204	274,913	6,544	SH		SOLE		6,544	0	0
INTEL CORP	COM	458140100	1,386,628	31,393	SH		SOLE		31,393	0	0
INTEL CORP	COM	458140100	88,340	2,000	SH		OTR		2,000	0	0
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	1,371,276	9,978	SH		SOLE		9,978	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	840,987	4,404	SH		SOLE		4,404	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	210,056	1,100	SH		OTR		1,100	0	0
INTUIT	COM	461202103	260,650	401	SH		SOLE		401	0	0
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	1,160,361	13,225	SH		SOLE		13,225	0	0
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	1,230,454	51,765	SH		SOLE		51,765	0	0
INVESCO EXCHANGE TRADED FD T	S&P SML600 VAL	46137V167	716,016	6,660	SH		SOLE		6,660	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	8,511,011	50,251	SH		SOLE		50,251	0	0
INVESCO EXCHANGE TRADED FD T	GBL LISTED PVT	46137V118	297,809	4,515	SH		SOLE		4,515	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,718,938	10,628	SH		SOLE		10,628	0	0
ISHARES INC	MSCI JPN ETF NEW	46434G822	267,562	3,750	SH		SOLE		3,750	0	0
ISHARES SILVER TR	ISHARES	46428Q109	223,746	9,835	SH		SOLE		9,835	0	0
ISHARES SILVER TR	ISHARES	46428Q109	12,512	550	SH		OTR		550	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	441,069	15,730	SH		SOLE		15,730	0	0
ISHARES TR	S&P 100 ETF	464287101	765,239	3,093	SH		SOLE		3,093	0	0
ISHARES TR	S&P TTL STK	464287150	266,343	2,310	SH		SOLE		2,310	0	0
ISHARES TR	SELECT DIVID ETF	464287168	5,050,995	41,005	SH		SOLE		41,005	0	0
ISHARES TR	SELECT DIVID ETF	464287168	11,825	96	SH		OTR		96	0	0
ISHARES TR	CORE S&P500 ETF	464287200	4,094,385	7,788	SH		SOLE		7,788	0	0
ISHARES TR	CORE US AGGBD ET	464287226	5,916,751	60,412	SH		SOLE		60,412	0	0
ISHARES TR	CORE US AGGBD ET	464287226	29,871	305	SH		OTR		305	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	2,820,306	68,654	SH		SOLE		68,654	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	11,297	275	SH		OTR		275	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	432,701	5,784	SH		SOLE		5,784	0	0
ISHARES TR	GLOBAL TECH ETF	464287291	1,402,238	18,744	SH		OTR		18,744	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,676,640	19,856	SH		SOLE		19,856	0	0
ISHARES TR	7-10YR TRSY BD	464287440	229,266	2,422	SH		SOLE		2,422	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,480,463	18,103	SH		SOLE		18,103	0	0
ISHARES TR	MSCI EAFE ETF	464287465	6,378,258	79,868	SH		SOLE		79,868	0	0
ISHARES TR	RUS MDCP VAL SFT	464287473	224,967	1,795	SH		SOLE		1,795	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	1,470,351	12,882	SH		SOLE		12,882	0	0
ISHARES TR	RUS MID CAP ETF	464287499	3,574,497	42,508	SH		SOLE		42,508	0	0
ISHARES TR	RUS MID CAP ETF	464287499	23,965	285	SH		OTR		285	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	5,633,027	92,740	SH		SOLE		92,740	0	0
ISHARES TR	ISHARES BIOTECH	464287556	1,392,645	10,149	SH		SOLE		10,149	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	288,794	3,230	SH		SOLE		3,230	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	1,956,776	10,925	SH		SOLE		10,925	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	318,462	3,490	SH		SOLE		3,490	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	2,614,496	7,757	SH		SOLE		7,757	0	0
ISHARES TR	RUS 1000 ETF	464287622	770,192	2,674	SH		SOLE		2,674	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	4,247,429	20,197	SH		SOLE		20,197	0	0
ISHARES TR	US INDUSTRIALS	464287754	402,272	3,200	SH		SOLE		3,200	0	0
ISHARES TR	U.S. REAL ES ETF	464287739	401,403	4,465	SH		SOLE		4,465	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	790,826	11,928	SH		SOLE		11,928	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	7,192,531	65,079	SH		SOLE		65,079	0	0
ISHARES TR	S&P SML 600 GWT	464287887	304,600	2,330	SH		SOLE		2,330	0	0
ISHARES TR	MSCI ACWI ETF	464288257	340,521	3,092	SH		SOLE		3,092	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,495,836	19,244	SH		SOLE		19,244	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	17,489	225	SH		OTR		225	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	2,268,678	44,241	SH		SOLE		44,241	0	0
ISHARES TR	3 7 YR TREAS BD	464288661	2,677,411	23,119	SH		SOLE		23,119	0	0
ISHARES TR	PFD AND INCM SEC	464288687	3,339,414	103,612	SH		SOLE		103,612	0	0
ISHARES TR	PFD AND INCM SEC	464288687	37,064	1,150	SH		OTR		1,150	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	109,563	1,870	SH		SOLE		1,870	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	963,219	16,440	SH		OTR		16,440	0	0
ISHARES TR	US OIL EQ&SV ETF	464288844	210,839	8,915	SH		SOLE		8,915	0	0
ISHARES TR	MICRO-CAP ETF	464288869	248,439	2,050	SH		SOLE		2,050	0	0
ISHARES TR	US TREAS BD ETF	46429B267	387,568	17,021	SH		SOLE		17,021	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	234,110	4,585	SH		SOLE		4,585	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	3,561,656	32,317	SH		SOLE		32,317	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	15,208	138	SH		OTR		138	0	0
ISHARES TR	MSCI EMRG CHN	46434G764	1,208,912	20,999	SH		SOLE		20,999	0	0
ISHARES TR	CORE INTL AGGR	46435G672	249,750	5,000	SH		SOLE		5,000	0	0
JOHNSON & JOHNSON	COM	478160104	5,277,218	33,360	SH		SOLE		33,360	0	0
JOHNSON & JOHNSON	COM	478160104	518,072	3,275	SH		OTR		3,275	0	0
JPMORGAN CHASE & CO	COM	46625H100	2,440,655	12,185	SH		SOLE		12,185	0	0
JPMORGAN CHASE & CO	COM	46625H100	269,603	1,346	SH		OTR		1,346	0	0
KRAFT HEINZ CO	COM	500754106	265,680	7,200	SH		SOLE		7,200	0	0
KRAFT HEINZ CO	COM	500754106	31,660	858	SH		OTR		858	0	0
LILLY ELI & CO	COM	532457108	8,066,667	10,369	SH		SOLE		10,369	0	0
LILLY ELI & CO	COM	532457108	128,363	165	SH		OTR		165	0	0
LOWES COS INC	COM	548661107	873,214	3,428	SH		SOLE		3,428	0	0
LOWES COS INC	COM	548661107	182,131	715	SH		OTR		715	0	0
MANULIFE FINL CORP	COM	56501R106	340,838	13,639	SH		SOLE		13,639	0	0
MARSH & MCLENNAN COS INC	COM	571748102	19,156	93	SH		SOLE		93	0	0
MARSH & MCLENNAN COS INC	COM	571748102	185,382	900	SH		OTR		900	0	0
MASTERCARD INCORPORATED	COM	05763Q104	212,372	441	SH		SOLE		441	0	0
MCDONALDS CORP	COM	580135101	700,645	2,485	SH		SOLE		2,485	0	0
MCDONALDS CORP	COM	580135101	23,965	85	SH		OTR		85	0	0
MERCK & CO INC	COM	58933Y105	612,775	4,644	SH		SOLE		4,644	0	0
MERCK & CO INC	COM	58933Y105	316,680	2,400	SH		OTR		2,400	0	0
META PLATFORMS CDR CIBC	CL A	30303M102	519,085	1,069	SH		SOLE		1,069	0	0
MICROSOFT CORP	COM	594918104	9,782,160	23,251	SH		SOLE		23,251	0	0
MICROSOFT CORP	COM	594918104	1,977,384	4,700	SH		OTR		4,700	0	0
MONDELEZ INTL INC	CL A	609207105	305,200	4,360	SH		SOLE		4,360	0	0
MONDELEZ INTL INC	CL A	609207105	112,000	1,600	SH		OTR		1,600	0	0
NAVO-NORDISK A S	ADR	670100205	224,700	1,750	SH		SOLE		1,750	0	0
NESTLE S A	SPONSORED ADR	641069406	252,264	2,373	SH		SOLE		2,373	0	0
NESTLE S A	SPONSORED ADR	641069406	23,387	220	SH		OTR		220	0	0
NEXTERA ENERGY INC	COM	65339F101	669,776	10,480	SH		SOLE		10,480	0	0
NORFOLK SOUTHN CORP	COM	655844108	1,803,969	7,078	SH		SOLE		7,078	0	0
NORFOLK SOUTHN CORP	COM	655844108	76,461	300	SH		OTR		300	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	353,451	3,654	SH		SOLE		3,654	0	0
NUCOR CORP	COM	670346105	237,480	1,200	SH		OTR		1,200	0	0
NVIDIA CORPORATION	COM	67066G104	815,914	903	SH		SOLE		903	0	0
ORACLE CORP	COM	68389X105	464,757	3,700	SH		SOLE		3,700	0	0
OREILLY AUTOMOTIVE	COM	67103H107	275,446	244	SH		SOLE		244	0	0
PEPSICO INC	COM	713448108	1,937,010	11,068	SH		SOLE		11,068	0	0
PEPSICO INC	COM	713448108	228,388	1,350	SH		OTR		1,350	0	0
PFIZER INC	COM	717081103	814,518	29,352	SH		SOLE		29,352	0	0
PFIZER INC	COM	717081103	70,762	2,550	SH		OTR		2,550	0	0
PHILIP MORRIS INTL INC	COM	718172109	313,340	3,420	SH		SOLE		3,420	0	0
PHILIP MORRIS INTL INC	COM	718172109	464,055	5,065	SH		OTR		5,065	0	0
PROCTER AND GAMBLE CO	COM	742718109	6,174,423	38,055	SH		SOLE		38,055	0	0
PROCTER AND GAMBLE CO	COM	742718109	735,803	4,535	SH		OTR		4,535	0	0
PROSHARES TR	PSHS ULTRA QQQ	74347R206	1,110,996	12,700	SH		OTR		12,700	0	0
QUALCOMM INC	COM	747525103	688,035	4,064	SH		SOLE		4,064	0	0
QUALCOMM INC	COM	747525103	46,557	275	SH		OTR		275	0	0
RGC RES INC	COM	74955L103	810,106	40,025	SH		SOLE		40,025	0	0
RTX CORPORATION	COM	75513E101	1,920,658	19,693	SH		SOLE		19,693	0	0
RTX CORPORATION	COM	75513E101	105,332	1,080	SH		OTR		1,080	0	0
SCHLUMBERGER LTD	COM STK	806857108	599,456	10,937	SH		SOLE		10,937	0	0
SCHLUMBERGER LTD	COM STK	806857108	71,253	1,300	SH		OTR		1,300	0	0
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	212,532	2,288	SH		SOLE		2,288	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	721,661	4,885	SH		OTR		4,885	0	0
SELECT SECTOR SPDR TR	SBI CONS SPLS	81369Y308	200,826	2,630	SH		SOLE		2,630	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,510,087	15,995	SH		SOLE		15,995	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,684,168	39,985	SH		SOLE		39,985	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	2,185,154	17,348	SH		SOLE		17,348	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	13,855	110	SH		OTR		110	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,087,169	5,220	SH		SOLE		5,220	0	0
SHELL PLC	SPON ADS	780259305	463,246	6,910	SH		SOLE		6,910	0	0
SOUTHERN CO	COM	842587107	675,001	9,409	SH		SOLE		9,409	0	0
SOUTHERN CO	COM	842587107	23,315	325	SH		OTR		325	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	11,022,654	21,073	SH		SOLE		21,073	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	6,799	13	SH		OTR		13	0	0
SPDR SER TR	BBG CON SEC ETF	78464A359	276,821	3,790	SH		SOLE		3,790	0	0
SPDR SER TR	DJ REIT ETF	78464A607	553,907	5,877	SH		SOLE		5,877	0	0
SPDR SER TR	BLOOMBERG SHT TE	78468R408	952,256	37,758	SH		SOLE		37,758	0	0
SSGA ACTIVE ETF TR	BLACKSTONE SENR	78467V608	340,459	8,085	SH		SOLE		8,085	0	0
STARBUCKS CORP	COM	855244109	314,472	3,441	SH		SOLE		3,441	0	0
STRYKER CORPORATION	COM	863667101	357,870	1,000	SH		OTR		1,000	0	0
SUMMIT FINL GROUP INC	COM	86606G101	5,270,452	194,052	SH		SOLE		194,052	0	0
SUMMIT FINL GROUP INC	COM	86606G101	688,071	25,334	SH		OTR		25,334	0	0
TARGET CORP	COM	87612E106	460,746	2,600	SH		SOLE		2,600	0	0
TEXAS INSTRS INC	COM	882508104	232,744	1,336	SH		SOLE		1,336	0	0
THE CIGNA GROUP	COM	125523100	128,569	354	SH		SOLE		354	0	0
THE CIGNA GROUP	COM	125523100	95,155	262	SH		OTR		262	0	0
TRACTOR SUPPLY CO	COM	892356106	262,505	1,003	SH		SOLE		1,003	0	0
TRUIST FINL CORP	COM	89832Q109	945,810	24,264	SH		SOLE		24,264	0	0
UNION PAC CORP	COM	907818108	339,383	1,380	SH		SOLE		1,380	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	275,053	556	SH		SOLE		556	0	0
VANECK ETF TRUST	PREFERRED SECURT	92189F429	189,636	10,720	SH		SOLE		10,720	0	0
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	2,174,528	9,665	SH		SOLE		9,665	0	0
VANECK ETF TRUST	PHARMACEUTCL ETF	92189F692	347,834	3,835	SH		SOLE		3,835	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	441,858	8,455	SH		SOLE		8,455	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	2,238,377	38,165	SH		SOLE		38,165	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,660,665	63,698	SH		SOLE		63,698	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	484,464	2,653	SH		SOLE		2,653	0	0
VANGUARD TAX-MANAGED INTL	F VAN ETSF DEV MKT	921943858	2,129,164	42,439	SH		SOLE		42,439	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,137,997	27,121	SH		SOLE		27,121	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	71,541	1,705	SH		OTR		1,705	0	0
VISA INC	COM CL A	92826C839	777,516	2,786	SH		SOLE		2,786	0	0
WALMART INC	COM	931142103	812,836	13,509	SH		SOLE		13,509	0	0
WASTE MGMT INC DEL	COM	94106L109	3,070,425	14,405	SH		SOLE		14,405	0	0
WASTE MGMT INC DEL	COM	94106L109	42,630	200	SH		OTR		200	0	0
WELLS FARGO CO NEW	COM	949746101	333,038	5,746	SH		SOLE		5,746	0	0
WELLS FARGO CO NEW	COM	949746101	689,086	11,889	SH		OTR		11,889	0	0
WELLTOWER INC	COM	95040Q104	604,089	6,465	SH		SOLE		6,465	0	0