SMMF Summit Financial Group Inc

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                                                                                   
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response... 0.5                       
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. 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) Ex. VP & Chief Banking Officer
(Last)          (First)          (Middle) 9328 EAGLE CT.	3. Date of Earliest Transaction (MM/DD/YYYY) 4/29/2020
(Street) MANASSAS PARK, VA 20111 (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	4/29/2020 (3)		J(4)		720.1001	A	$0.00	5636.1837	I	By ESOP

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)	$18.26							11/13/2008 (1)	11/13/2022 (2)	Common Stock	300		300	D
Stock-Settled Stock Appreciation Rights	$12.01							4/22/2016 (1)	4/23/2025	Common Stock	15442		15442	D
Stock-Settled Stock Appreciation Rights	$26.01							2/9/2018 (1)	2/6/2027	Common Stock	4945		4945	D
Stock-Settled Stock Appreciation Rights	$23.94							2/7/2020 (1)	2/7/2029	Common Stock	10064		10064	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.
(3)	The information reported herein is based on a plan statement dated 12/31/2019 received in April 2020.
(4)	Between January 1, 2019 and December 31, 2019, acquired 720.1001 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
Owens Patricia L 9328 EAGLE CT. MANASSAS PARK, VA 20111			Ex. VP & Chief Banking Officer

Signatures
Teresa D. Ely, Lmtd POA, Attorney-in-Fact		4/30/2020
**Signature of Reporting Person		Date