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