Exhibit 24

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below, constitutes and appoints Robert S. Tissue and Julie R. Cook or either of them his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for him and in his name, place and stead, in any and all capacities, to sign Summit Financial Group, Inc.’s Annual Report on Form 10-K for the fiscal year ended December 31, 2006, and all amendments thereto, and file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents and each of them, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, or any of them, or their or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

/s/ Oscar M. Bean            /s/ Gary L. Hinkle               

Oscar M. Bean                 Gary L. Hinkle

/s/ Frank A. Baer, III        /s/ Gerald W. Huffman        

Frank A. Baer, III            Gerald W. Huffman

/s/ Dewey F. Bensenhaver, M.D./s/ H. Charles Maddy, III      

Dewey F. Bensenhaver, M.D.    H. Charles Maddy, III

/s/ James M. Cookman   /s/ Duke A. McDaniel          

James M. Cookman       Duke A. McDaniel

/s/ John W. Crites           /s/ Ronald F. Miller             

John W. Crites Ronald F. Miller

/s/ Patrick N. Frye         /s/ G. R. Ours, Jr.                

Patrick N. Frye G. R. Ours, Jr.

/s/ James Paul Geary   /s/ Phoebe Fisher Heishman

James Paul Geary       Phoebe Fisher Heishman

/s/ Thomas J. Hawse, III/s/ Charles S. Piccirillo       

Thomas J. Hawse, III   Charles S. Piccirillo