UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): October 22, 2003
Summit Financial Group, Inc.
(Exact name of registrant as specified in its charter)
West Virginia 0-16587 55-0672148
(State or Other (Commission (I.R.S. Employer
Jurisdiction) File Number) Identification)
300 North Main Street
Moorefield, WV 26836
(Address of principal executive offices) (Zip Code)
(304) 538-7233
(Registrant's telephone number, including area code)
Not Applicable
(Former name, address, and fiscal year, if changed since last report)
Item 7. Financial Statements and Exhibits
(c) Exhibits.
99.1 News Release, dated October 22, 2003 incorporated herein by reference.
Item 9. Regulation FD Disclosure
On October 22, 2003, Summit Financial Group, Inc. ("Summit ") issued a News
Release announcing its earnings for the third quarter and first nine months of
2003. A copy of the News Release is attached as Exhibit 99.1 to this Report.
Item 12. Results of Operations and Financial Condition
On October 22, 2003, Summit issued a News Release announcing its earnings for
the third quarter and first nine months of 2003. A copy of the News Release is
attached as Exhibit 99.1 to this Report.
The information in this report and the accompanying exhibit is being furnished
under Item 9 and Item 12 and shall not be deemed to be "filed" for the purposes
of Section 18 of the Securities and Exchange Act of 1934, as amended (the
"Exchange Act"), or otherwise subject to the liabilities of such section, nor
shall such information be deemed incorporated by reference in any filing under
the Securities Act of 1933, as amended, or the Exchange Act, except as shall be
expressly set forth by specific reference in such a filing.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
SUMMIT FINANCIAL GROUP, INC.
Date: October 22, 2003 By: /s/ Robert S. Tissue
--------------------------
Robert S. Tissue
Senior Vice President and
Chief Financial Officer
EXHIBIT INDEX
Exhibit No. Description
----------- -----------
99.1 News Release, dated October 22, 2003 incorporated herein by
reference.