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): July 21, 2004
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) 530-1000
(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 July 21, 2004 incorporated herein by reference.
Item 12. Results of Operations and Financial Condition
On July 21, 2004, Summit issued a News Release announcing its earnings for the
second quarter and first six months of 2004. A copy of the News Release is
attached as Exhibit 99.1 to this Report.
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: July 21, 2004 By: /s/ Robert S. Tissue
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Robert S. Tissue
Senior Vice President and
Chief Financial Officer