8-K

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported): April 22, 2005

                          Summit Financial Group, Inc.
             (Exact name of registrant as specified in its charter)


 West Virginia                       0-16587                      55-0672148
(State or Other                    (Commission                 (I.R.S. Employer
 Jurisdiction)                     File Number)                 Identification)


                          300 North Main Street
                              Moorefield, WV              26836
               (Address of principal executive offices) (Zip Code)


               Registrant's telephone number, including area code
                                 (304) 530-1000


                                 Not Applicable
         (Former name or former address, if changed since last report.)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))




                            Section 8 - Other Events

Item 8.01 Other Events.

On April 22, 2005, Summit Financial Group, Inc.'s ("Summit") Board of Directors
declared the first half 2005 dividend. As a result, Summit today issued a News
Release announcing the dividend. This News Release is furnished as Exhibit 99
and is incorporated herein by reference.

                  Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

(c)  Exhibits

     99   News Release issued on April 25, 2005


                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                                    SUMMIT FINANCIAL GROUP, INC.


Date: April 25, 2005                                By: /s/ Julie R. Cook
                                                        ------------------------
                                                        Julie R. Cook
                                                        Vice President and
                                                        Chief Accounting Officer

EX-99

                                                                      Exhibit 99

     Summit Financial Group Announces First Half 2005 Semi-Annual Dividend

     MOOREFIELD, W.Va.--(BUSINESS WIRE)--April 25, 2005--Summit Financial Group,
Inc. (NASDAQ: SMMF), a $907 million financial holding company headquartered in
Moorefield, West Virginia, today announces its first half 2005 semi-annual cash
dividend. The dividend will be $0.14 per share and is payable on June 15, 2005
to shareholders of record as of June 1, 2005. This dividend represents an
increase of 12% over the $0.125 per share paid in the first half of 2004.
     Summit operates thirteen banking locations through its two wholly owned
subsidiary banks, Summit Community Bank headquartered in Moorefield, West
Virginia, and Shenandoah Valley National Bank in Winchester, Virginia. In
addition, Summit also operates Summit Mortgage, a residential mortgage loan
originator located in Herndon, Virginia, and Summit Insurance, LLC in
Moorefield, West Virginia.


     CONTACT: Summit Financial Group, Inc.
              Teresa Sherman, 304-530-0526
              tsherman@SummitFGI.com