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
                                                                                  
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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 *

Ritchie Bradford E 		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)
President, Subsidiary Bank
(Last)          (First)          (Middle)

119 CORNWALL LANE 		3. Date of Earliest Transaction (MM/DD/YYYY)

4/18/2019
(Street)

CHARLESTON, WV 25314
(City)        (State)        (Zip)
4. If Amendment, Date Original Filed (MM/DD/YYYY)

 
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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3) 		2. Trans. Date 2A. Deemed Execution Date, if any 3. Trans. 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   4/18/2019   (3)   J (4)    583.1676   A $0   5683.8436   I   by ESOP  
Common Stock                  16781   D    

Table II - Derivative Securities Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 3) 		2. Conversion or Exercise Price of Derivative Security 3. Trans. Date 3A. Deemed Execution Date, if any 4. Trans. 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 7. Title and Amount of Securities Underlying Derivative Security
(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)   $2.54                    7/27/2011   (1) 7/27/2025   (2) Common Stock   5000     5000   D    
Stock-Settled Stock Appreciation Rights   $12.01                    4/22/2016   (1) 4/23/2025   Common Stock   17112     17112   D    
Stock-Settled Stock Appreciation Rights   $26.01                    2/9/2018   (1) 2/9/2027   Common Stock   5452     5452   D    
Stock-Settled Stock Appreciation Rights   $23.94                    2/7/2020   (1) 2/7/2029   Common Stock   11281     11281   D    

Explanation of Responses:
(1)  Option and/or SAR vests in 5 equal annual instamments with beginning date indicated.
(2)  Option and/or SAR expires in 5 equal annual installments with the final date indicated.
(3)  The information reported herein is based on a plan statement dated 12/31/2018 received in April 2019.
(4)  Between January 1, 2018 and December 31, 2018, acquired 583.1676 shares of Summit Common Stock under the Summit Financial Group, Inc. Employee Stock Ownership Plan.

Reporting Owners
Reporting Owner Name / Address
Relationships
Director 10% Owner Officer Other
Ritchie Bradford E
119 CORNWALL LANE
CHARLESTON, WV 25314

President, Subsidiary Bank

Signatures
Teresa D. Ely, Lmtd. POA, Attorney-In-Fact 4/18/2019
** Signature of Reporting Person Date


Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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.
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