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): October 20, 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)



               Registrant's telephone number, including area code
                                 (304) 530-1000


                                 Not Applicable
         (Former name or former address, if changed since last report.)



Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))





                        Section 2 - Financial Information

Item 2.02.  Results of Operations and Financial Condition.

On October 20, 2004, Summit Financial Group, Inc.  ("Summit") issued a News
Release  announcing  its earnings for the third quarter and first nine months of
2004. This News Release is furnished as Exhibit 99 and is incorporated herein by
reference.

                  Section 9 - Financial Statements and Exhibits

Item 9.01  Financial Statements and Exhibits

          (c)  Exhibits

          99       News Release issued on October 20, 2004




                                    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:  October 22, 2004              By:  /s/ Robert S. Tissue
                                          ----------------------------------
                                            Robert S. Tissue
                                            Senior Vice President and
                                            Chief Financial Officer