<ARTICLE> 9 <CIK> 0000811808 <NAME> Summit Financial Group, Inc. <PERIOD-TYPE> 9-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999 <PERIOD-START> JAN-01-2000 JAN-01-1999 <PERIOD-END> SEP-30-2000 SEP-30-1999 <CASH> 7,425,976 11,062,873 <INT-BEARING-DEPOSITS> 202,419 1,848,458 <FED-FUNDS-SOLD> 2,242,000 5,440,958 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 163,050,350 107,848,487 <INVESTMENTS-CARRYING> 401,017 1,195,099 <INVESTMENTS-MARKET> 0 0 <LOANS> 259,058,057 231,461,097 <ALLOWANCE> (2,537,190) (2,171,637) <TOTAL-ASSETS> 454,333,898 375,844,906 <DEPOSITS> 322,245,250 302,286,016 <SHORT-TERM> 79,257,957 14,811,880 <LIABILITIES-OTHER> 3,743,803 2,598,390 <LONG-TERM> 11,177,045 19,718,483 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 2,225,975 2,401,018 <OTHER-SE> 36,129,496 35,372,815 <TOTAL-LIABILITIES-AND-EQUITY> 454,333,898 375,844,906 <INTEREST-LOAN> 15,956,148 13,733,594 <INTEREST-INVEST> 7,290,503 3,946,013 <INTEREST-OTHER> 179,460 438,764 <INTEREST-TOTAL> 23,426,111 18,118,371 <INTEREST-DEPOSIT> 9,658,077 7,695,241 <INTEREST-EXPENSE> 12,990,101 8,842,253 <INTEREST-INCOME-NET> 10,436,010 9,276,118 <LOAN-LOSSES> 394,963 257,500 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 7,307,451 6,408,913 <INCOME-PRETAX> 3,781,776 3,434,596 <INCOME-PRE-EXTRAORDINARY> 2,606,251 2,313,946 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,606,251 2,313,946 <EPS-BASIC> 2.96 2.58 <EPS-DILUTED> 2.96 2.58 <YIELD-ACTUAL> 3.6 4.0 <LOANS-NON> 77,000 571,000 <LOANS-PAST> 323,000 299,000 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,231,555 2,113,201 <CHARGE-OFFS> 140,161 260,442 <RECOVERIES> 50,833 61,378 <ALLOWANCE-CLOSE> 2,537,190 2,171,637 <ALLOWANCE-DOMESTIC> 2,537,190 2,171,637 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 50,000 80,000