Exhibit 21
SUBSIDIARIES OF REGISTRANT
The following lists the subsidiaries of Summit Financial Group, Inc., a West Virginia Corporation.
Summit Community Bank, Inc., a state banking corporation
organized under the laws of the State of West Virginia
Shenandoah Valley National Bank, a national banking association
organized under the laws of the United States of America
Summit Insurance Services, LLC, a full lines insurance agency
organized under the laws of the State of West Virginia
SFG Capital Trust I, a statutory business trust
organized under the laws of the State of Delaware
SFG Capital Trust II, a statutory business trust
organized under the laws of the State of Delaware
SFG Capital Trust III, a statutory business trust
organized under the laws of the State of Delaware