UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
SUMMIT FINANCIAL GROUP, INC
--------------------------------------------------------------------------------
(Name of Issuer)
COMMON
--------------------------------------------------------------------------------
(Title of Class of Securities)
86606G
--------------------------------------------------------------------------------
(CUSIP Number)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
Rule 13d-1(b)
|X| Rule 13d-1(c)
Rule 13d-1(d)
* The remainder of this cover page shall be filled out for a reporting persons
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
CUSIP No. ...............86606G............
--------------------------------------------------------------------------------
1. Names of Reporting Person.
I.R.S. Identification Nos. of above persons (entities only)
..........JOHN W. CRITES ............236-64-3649.................................
--------------------------------------------------------------------------------
2. Check the Appropriate Box if a Member of a Group (See Instructions)
(a) ..................................................................
(b) ......X...........................................................
--------------------------------------------------------------------------------
3. SEC Use Only...........................................................
--------------------------------------------------------------------------------
4. Citizenship or Place of Organization..UNITED STATES...................
--------------------------------------------------------------------------------
Number of 5. Sole Voting Power ...............105,816.................
Shares Bene-
ficially Owned 6. Shared Voting Power ..............40,600.................
by Each
Reporting 7. Sole Dispositve Power.............105,816.................
Person With:
8. Shared Dispositive Power .........40,600.................
--------------------------------------------------------------------------------
9. Aggregate Amount Beneficially Owned by Each Reporting Person...146,416......
--------------------------------------------------------------------------------
10.Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Inst.)
--------------------------------------------------------------------------------
11.Percent of Class Represented by Amount in Row (9) ...........8.35...........
-------------------------------------------------------------------------------
12.Type or Reporting Person (See Instructions) ..................IN.............
.................................................................................
ATTACHMENT TO SCHEDULE 13G OF JOHN W. CRITES
Item 1.
(a)Name of Issuer SUMMIT FINANCIAL GROUP, INC.
(b)Address of Issuers Principal Executive 223 N. MAIN STREET
Offices MOOREFIELD, WV 26836
Item 2.
(a)Name of Person Filing JOHN W. CRITES
(b)Address of Principal Business Office or, if none, 46 POINT DRIVE
Residence PETERSBURG, WV 26847
(c)Citizenship U.S.
(d)Title of Class of Securities COMMON
(e)CUSIP Number 86606G
Item 3. If this statement is filed pursuant to 240.13d-1(b) or 240.13d-2(b)
or (c), check whether the person filingis a:
(a) Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b) Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c) Insurance company as defined in section 3(a)(19) of the Act (15 U. S. C.
78c);
(d) Investment company registered under section 8 of the Investment Company Act
of 1940 (15 U.S.C. 80a-8);
(e) An investment adviser in accordance with 240.13d-1(b)(1)(ii)(E);
(f) An employee benefit plan or endowment fund in accordance with
240.13d-1(b)(1)(ii)(F);
(g) A parent holding company or control person in accordance with
240.13d-1(b)(1)(ii)(G);
(h) A savings association as defined in Section 3(b) of the Federal Deposit
Insurance Act (12 U.S.C. 1813);
(i) A church plan that is excluded from the definition of an investment company
under section 3(c)(14) of the Investment Company Act of 1940
(15 U.S.C. 80a-3);
(j) Group, in accordance with 240.13d-1(b)(1)(ii)(J).
THIS SECTION IS N/A FOR THIS FILING.
Item 4. Ownership
Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.
(a)Amount beneficially owned: 146,416
(b)Percent of class: 8.35
(c)Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote 105,816
(ii) Shared power to vote or to direct the vote 40,600
(iii) Sole power to dispose or to direct the disposition of 105,816
(iv) Shared power to dispose or to direct the disposition of 40,600
Instruction. For computations regarding securities which represent a right to
acquire an underlying security see 240.13d-3(d)(1).
Item 5. Ownership of Five Percent or Less of a Class
This statement is not being filed to report the fact that as of the date
hereof the reporting person has ceased to be the beneficial owner of more than
five percent of the class of securities.
Item 6. Ownership of More than Five Percent on Behalf of Another Person
Allegheny Wood Products, Inc., a corporation principally owned by Mr.
Crites, owns 47,810, or 3.26% of these shares. Allegheny Wood Products, Inc. has
the right to receive, or the power to direct the receipt of dividends from, or
the proceeds from the sale of, these shares. Mr. Crites derives his aggregate
beneficial ownership from these shares, and the 58,006 shares directly owned by
Mr. Crites, and the 40,600 shares held jointly with his spouse.
Item 7. Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company
A parent holding company has not filed this schedule, pursuant to Rule
13d-1(b)(ii)(G), or pursuant to Rule 13d-1(c) or Rule 13d-1(d).
Item 8. Identification and Classification of Members of the Group
This schedule has not been filed by a group.
Item 9. Notice of Dissolution of Group
This filing does not pertain to a dissolution of a group.
Item 10. Certification
(b)The following certification shall be included if the statement is filed
pursuant to 240.13d-1(c):
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were not acquired and
are not held for the purpose of or with the effect of changing or
influencing the control of the issuer of the securities and were
not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
February 3, 2003
-----------------
Date
-----------------
Signature
JOHN W. CRITES, DIRECTOR
------------------------
Name/Title
The original statement shall be signed by each person on whose behalf the
statement is filed or his authorized representative. If the statement is signed
on behalf of a person by his authorized representative other than an executive
officer or general partner of the filing person, evidence of the
representatives authority to sign on behalf of such person shall be filed with
the statement, provided, however, that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.
NOTE: Schedules filed in paper format shall include a signed original and five
copies of the schedule, including all exhibits. See 240.13d-7 for other
parties for whom copies are to be sent.
Attention: Intentional misstatements or omissions of fact constitute Federal
criminal violations (See 18 U.S.C. 1001).