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

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(Print or Type Responses)

1. Name and Address of Reporting Person * FRYE PATRICK   2. Issuer Name and Ticker or Trading Symbol SUMMIT FINANCIAL GROUP INC [SMMF] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Sr. VP & CCO (Last) (First) (Middle) 51 POINT DRIVE 3. Date of Earliest Transaction (Month/Day/Year) 04/14/2005 (Street) PETERSBURG, WV 26847 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               3,992 (3) D   Common Stock 04/14/2005(4)   J(5)   303 A $ 0 3,461 (3) I By ESOP

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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)

$ 5.95

10/26/2002(1)

10/26/2016(2)

Common Stock

3,200 (3)

3,200 (3)

D

Employee Stock Option (Right to Buy)

$ 9.49

12/06/2003(1)

12/06/2017(2)

Common Stock

4,400 (3)

4,400 (3)

D

Employee Stock Option (Right to Buy)

$ 17.79

12/12/2004(1)

12/12/2018(2)

Common Stock

6,000 (3)

6,000 (3)

D

Employee Stock Option (Right to Buy)

$ 25.93

12/07/2005(1)

12/07/2019(2)

Common Stock

8,000 (3)

8,000 (3)

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
FRYE PATRICK 51 POINT DRIVE PETERSBURG, WV 26847	X		Sr. VP & CCO

Signatures

Teresa D. Sherman, Lmtd POA Attorney-in-Fact		12/14/2005
**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 vests in 5 equal annual installments
(2)	Option expires in 5 equal annual installments
(3)	The amount beneficially owned at the end of month changed due to a 2:1 stock split.
(4)	The information reported herein is based on a plan statement dated 12/31/04 and received in April 2005.
(5)	Acquired through employer contributions to Summit Financial Group, Inc. Employee Stockk Ownership Plan in reliance on old rule 16-a8(g)(3).

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