Company:  SUMMIT FINANCIAL GROUP IN ... (SMMF)
Form Type:  10-K
Filing Date:  3/1/2012 
CIK:  0000811808 
Address:  300 NORTH MAIN ST 
City, State, Zip:  MOOREFIELD, West Virginia 26836 
Telephone:  (304) 530-1000 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$8.25   		Change: 
0.00 (0.00%)  
Trade Time: 
May 16   		Market Cap: 
$61.36M
Description of Business
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  FORM 10-K
    PART I.
      Item 1. Business
      Item 1A. Risk Factors
      Item 1B. Unresolved Staff Comments
      Item 2. Properties
      Item 3. Legal Proceedings
      Item 4. Mine Safety Disclosures
    PART II.
      Item 5. Market for Registrant's Common Equity, Related ...
      Item 6. Selected Financial Data
      Item 7. Management's Discussion and Analysis of Financial ...
      Key Items in 2011
        RESULTS OF OPERATIONS
          BALANCE SHEET
        LIQUIDITY AND CAPITAL RESOURCES
          BALANCE SHEET
      Item 7A. Quantitative and Qualitative Disclosures about ...
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM ON ...
      Item 8. Financial Statements and Supplementary Data
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTE 1. BASIS OF PRESENTATION
          BALANCE SHEET
          INCOME STATEMENT
          CASH FLOW
      Item 9. Changes in and Disagreements with Accountants on ...
      Item 9A. Controls and Procedures
      Item 9B. Other Information
    PART III.
      Item 10. Directors, Executive Officers, and Corporate Governance
      Item 12. Security Ownership of Certain Beneficial Owners and ...
      Item 13. Certain Relationships and Related Transactions, and ...
      Item 14. Principal Accounting Fees and Services
    PART IV.
      Item 15. Exhibits, Financial Statement Schedules
    SIGNATURES
  EXHIBIT 10.8
  EXHIBIT 10.11
  EXHIBIT 10.12
  EXHIBIT 10.18
  EXHIBIT 23
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 24
    POWER OF ATTORNEY
  EXHIBIT 31.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 31.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
  EXHIBIT 32.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 32.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
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