Statement of Changes in Beneficial Ownership (4)

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	OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response... 0.5
	Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person * JENNINGS SCOTT C	2. Issuer Name and Ticker or Trading Symbol SUMMIT FINANCIAL GROUP INC [ SMMF ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director                      _____ 10% Owner __ X __ Officer (give title below)      _____ Other (specify below) Sr. VP & COO
(Last)          (First)          (Middle) PO BOX 438	3. Date of Earliest Transaction (MM/DD/YYYY) 11/27/2018
(Street) MOOREFIELD, WV 26836 (City)        (State)        (Zip)	4. If Amendment, Date Original Filed (MM/DD/YYYY)	6. Individual or Joint/Group Filing (Check Applicable Line) _ X _ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security (Instr. 3)	2. Trans. Date	2A. Deemed Execution Date, if any	3. Trans. 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								19535.4204	I	By ESOP
Common Stock	11/27/2018		M		1400	A	$17.79	2676.4635   (3)	D
Common Stock	11/27/2018		S		1400	D	$17.79	1276.4635	D

Table II - Derivative Securities Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Trans. Date	3A. Deemed Execution Date, if any	4. Trans. 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		7. Title and Amount of Securities Underlying Derivative Security (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)	$17.79	11/27/2018		M			1400	12/12/2004	12/12/2018   (2)	Common Stock	1400	$17.79	0	D
Emplolyee Stock Option (Right to Buy)	$25.93							12/6/2005	12/7/2019   (2)	Common Stock	1600		3200	D
Stock-Settled Stock Appreciation Rights	$12.01							4/22/2016   (1)	4/23/2025	Common Stock	17947		17947	D
Stock-Settled Stock Appreciation Rights	$26.01							2/9/2018   (1)	2/9/2027	Common Stock	8151		8151	D

Explanation of Responses:
(1)	Option and/or SAR vests in 5 equal annual installments with the beginning date indicated.
(2)	Option expires in 5 equal annual installments with the final date indicated
(3)	The reported holdings include stock acquired in dividend reinvestment transactions that are exempt from reporting under Rule 16a-11.

Reporting Owners
Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
JENNINGS SCOTT C PO BOX 438 MOOREFIELD, WV 26836			Sr. VP & COO

Signatures
Teresa D. Ely Lmtd POA, Attorney-in-Fact		11/27/2018
** Signature of Reporting Person		Date

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
*	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).
Note:	File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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