Exhibit 23





                         CONSENT OF INDEPENDENT AUDITORS




Securities and Exchange Commission
Washington, D.C.

We hereby consent to the incorporation by reference in this Annual Report on
Form 10-K of our report dated January 29, 2003, on our audits of the
consolidated financial statements of Summit Financial Group, Inc. as of December
31, 2002 and 2001 and for each of the three years in the period ended December
31, 2002, included in Summit's 2002 Annual Report.





                                                ARNETT & FOSTER,  P.L.L.C.

                                                /s/ Arnett & Foster, P.L.L.C.


Charleston, West Virginia
March 25, 2003