<ARTICLE> 9
<CIK> 0000811808
<NAME> Summit Financial Group, Inc.
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 7,550,027 7,384,218
<INT-BEARING-DEPOSITS> 209,939 6,654,191
<FED-FUNDS-SOLD> 60,000 10,906,943
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 154,339,004 95,504,493
<INVESTMENTS-CARRYING> 401,067 1,297,311
<INVESTMENTS-MARKET> 0 0
<LOANS> 244,988,704 223,049,907
<ALLOWANCE> (2,446,613) (2,207,368)
<TOTAL-ASSETS> 428,555,018 361,583,747
<DEPOSITS> 307,722,048 288,291,564
<SHORT-TERM> 69,590,623 16,312,904
<LIABILITIES-OTHER> 3,286,539 1,608,302
<LONG-TERM> 11,766,840 19,803,179
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 2,225,975 2,401,018
<OTHER-SE> 33,962,993 33,166,780
<TOTAL-LIABILITIES-AND-EQUITY> 428,555,018 361,583,747
<INTEREST-LOAN> 10,392,070 8,832,196
<INTEREST-INVEST> 5,838,634 2,338,069
<INTEREST-OTHER> 131,897 294,577
<INTEREST-TOTAL> 15,091,418 11,464,842
<INTEREST-DEPOSIT> 6,172,391 4,872,011
<INTEREST-EXPENSE> 8,078,086 5,559,011
<INTEREST-INCOME-NET> 7,013,332 10,350,501
<LOAN-LOSSES> 255,001 160,000
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 4,831,568 4,025,974
<INCOME-PRETAX> 2,685,614 2,205,171
<INCOME-PRE-EXTRAORDINARY> 2,685,614 2,205,171
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,862,894 1,427,686
<EPS-BASIC> 2.11 1.59
<EPS-DILUTED> 2.11 1.59
<YIELD-ACTUAL> 3.8 4.1
<LOANS-NON> 75,000 836,000
<LOANS-PAST> 83,000 701,000
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 2,231,555 2,113,201
<CHARGE-OFFS> 81,000 107,370
<RECOVERIES> 40,000 32,537
<ALLOWANCE-CLOSE> 2,446,613 2,207,368
<ALLOWANCE-DOMESTIC> 2,446,613 2,207,368
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 90,000 120,000