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

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3235-0287

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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 * HINKLE GARY L	2. Issuer Name and Ticker or Trading Symbol SUMMIT FINANCIAL GROUP INC [ SMMF ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director                    _____ 10% Owner _____ Officer (give title below)    _____ Other (specify below)
(Last)          (First)          (Middle) PO BOX 65	3. Date of Earliest Transaction (MM/DD/YYYY) 3/9/2020
(Street) CIRCLEVILLE, WV 26804 (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								63853	I	By Hinkle Trucking
Common Stock								13220	I	By H. T. Services
Common Stock								4800	I	by Spouse
Common Stock								528	I	As Cust for Grandchild
Common Stock	3/9/2020		P		1000	A	$19.7497	395599	D
Common Stock	3/10/2020		P		3352	A	$19.9488	398951	D
Common Stock	3/11/2020		P		2715	A	$19.9542	401666	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
Phantom Stock	$0 (1)							(2)	(2)	Common Stock	7509.76		7509.76	D

Explanation of Responses:
(1)	Each share of Phantom Stock represents the economic equivalent of one share of Summit Common Stock.
(2)	Shares of Phantom Stock are payable only in cash following termination of the reporting person's service as a director of Summit.

Reporting Owners
Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
HINKLE GARY L PO BOX 65 CIRCLEVILLE, WV 26804	X

Signatures
Teresa D. Ely, Lmtd POA Attorney-In-Fact		3/11/2020
**Signature of Reporting Person		Date