Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN 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: 3235-0287
Expires: January 31, 2005
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
TISSUE ROBERT S
   2. Issuer Name and Ticker or Trading Symbol
SUMMIT FINANCIAL GROUP INC [SMMF] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Senior VP & CFO
(Last)
(First)
(Middle)
PO BOX 1822		 3. Date of Earliest Transaction (Month/Day/Year)
05/09/2013
(Street)

LEWISBURG, WV 24901		 4. If Amendment, Date Original Filed(Month/Day/Year)
 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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock               20,718 D  
Common Stock               700 I by Spouse
Common Stock 05/09/2013(3)   J(4)   223.2848 A $ 0 7,470.4089 I By ESOP

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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. SEC 1474 (9-02)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (Right to Buy) $ 4.63             02/25/2000 02/25/2014(1) Common Stock 800   800 D  
Employee Stock Option (Right to Buy) $ 5.95             10/26/2002 10/26/2016(1) Common Stock 3,200   3,200 D  
Employee Stock Option (Right to Buy) $ 9.49             12/06/2003 12/06/2017(1) Common Stock 4,400   4,400 D  
Employee Stock Optin (Right to Buy) $ 17.79             12/12/2004 12/12/2018(1) Common Stock 7,000   7,000 D  
Employee Stock Option (Right to Buy) $ 25.93             12/06/2005 12/07/2019(1) Common Stock 8,000   8,000 D  
Employee Stock Option Plan (Right to Buy) $ 24.44             12/06/2005 12/06/2015 Common Stock 10,000   10,000 D  
8% Non-Cumulative Convertible Preferred Stock, Series 2009 $ 5.5             03/01/2010(2) 06/01/2019 Common Stock 36,363   200 D  
8% Non-Cumulative Convertible Preferred Stock, Series 2011 $ 4             03/01/2012(2) 06/01/2021 Common Stock 3,750   30 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
TISSUE ROBERT S
PO BOX 1822
LEWISBURG, WV 24901		       Senior VP & CFO  

Signatures

 Teresa D. Ely, Lmtd POA, Attorney-in-Fact   05/09/2013
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(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) Option expires in 5 equal annual installments with the final dated indicated.
(2) The 2009 Series Preferred Stock and 2011 Series Preferred Stock may be converted at the holder's option on any dividend payment date.
(3) The information reported herein is based on a plan statement dated 12/31/2012 received in May 2013.
(4) Between January 1, 2012 and December 31, 2012, acquired 223.2848 shares of Summit common stock under the Summit Financial Group, Inc. Employee Stock Ownership Plan.

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.