Exhibit 21 SUBSIDIARIES OF REGISTRANT The following lists the subsidiaries of Summit Financial Group, Inc., a West Virginia Corporation. South Branch Valley National Bank, a national banking association organized under the laws of the United States of America Capital State Bank, Inc., a state banking association 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 Potomac Valley Bank, a state banking association organized under the laws of the State of West Virginia 57