Exhibit 32.2


                         SARBANES-OXLEY ACT SECTION 906
                    CERTIFICATION OF CHIEF FINANCIAL OFFICER


In connection with the Annual Report of Summit Financial Group, Inc. ("Summit ")
on Form 10-K for the year ending December 31, 2003 as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), I, Robert S. Tissue,
Senior Vice President and Chief Financial Officer of Summit, certify pursuant to
18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of
2002, that:

     (1)  The Report fully complies with the requirements of section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and result of operations of
          Summit.


                                             /s/ Robert S. Tissue
                                             ----------------------------
                                             Robert S. Tissue,
                                             Sr. Vice President
                                             and Chief Financial Officer


Date:  March 29, 2004
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The foregoing certification is being furnished solely pursuant to 18 U.S.C. ss.
1350 and is not being filed as part of the Report or as a separate disclosure
document.