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): November 1, 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 8 - Other Events

Item 8.01  Other Events.

On November 1, 2004, Summit Financial Group, Inc. ("Summit") issued a News
Release announcing a two for one split of its common stock and the declaration
of its second half 2004 cash dividend. 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 November 1, 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:  November 1, 2004               By:  /s/ Robert S. Tissue
                                           ------------------------------
                                             Robert S. Tissue
                                             Senior Vice President and
                                             Chief Financial Officer