FORM 3
        
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF 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 *

Owens Patricia L

2. Date of Event Requiring Statement (MM/DD/YYYY)
5/23/2019 

3. Issuer Name and Ticker or Trading Symbol

SUMMIT FINANCIAL GROUP INC [SMMF]

(Last)        (First)        (Middle)

9328 EAGLE CT.

4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director                            _____ 10% Owner
___ X ___ Officer (give title below)          _____ Other (specify below)
Ex. VP & Chief Banking Officer /

(Street)

MANASSAS PARK, VA 20111       

(City)              (State)              (Zip)
5. 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 Beneficially Owned
1.Title of Security
(Instr. 4)
2. Amount of Securities Beneficially Owned
(Instr. 4)
3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)
4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock   4916.0836   I   By ESOP  

Table II - Derivative Securities Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 4)
2. Date Exercisable and Expiration Date
(MM/DD/YYYY)
3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)
4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)
6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (Right to Buy)   11/13/2008   (1) 11/13/2022   (2) Common Stock   400   $18.26   D    
Stock-Settled Stock Appreciation Rights   4/22/2016   (1) 4/23/2025   Common Stock   15442   $12.01   D    
Stock-Settled Stock Appreciation Rights   2/9/2018   (1) 2/9/2027   Common Stock   4945   $26.01   D    
Stock-Settled Stock Appreciation Rights   2/7/2020   (1) 2/7/2029   Common Stock   10064   $23.94   D    

Explanation of Responses:
(1)  Option and/or SAR vests in 5 equal annual installments with the beginning date indicated.
(2)  Option expires in 5 equal annual installments with the final date indicated.

Reporting Owners
Reporting Owner Name / Address
Relationships
Director 10% Owner Officer Other
Owens Patricia L
9328 EAGLE CT.
MANASSAS PARK, VA 20111


Ex. VP & Chief Banking Officer

Signatures
Teresa D. Ely, Lmtd POA, Attorney-in-Fact 5/29/2019
** 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 5(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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