Exhibit 31.2


                         SARBANES-OXLEY ACT SECTION 302
                    CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Robert S. Tissue, certify that:

1.    I have reviewed this quarterly report on Form 10-Q of Summit
      Financial Group, Inc.;

2.    Based on my knowledge, this report does not contain any untrue
      statement of a material fact or omit to state a material fact
      necessary to make the statements made, in light of the
      circumstances under which such statements were made, not
      misleading with respect to the period covered by this report;

3.    Based on my knowledge, the financial statements, and other
      financial information included in this report, fairly present in
      all material respects the financial condition, results of
      operations and cash flows of the registrant as of, and for, the
      periods presented in this report;

4.    The registrant's other certifying officer and I are responsible
      for establishing and maintaining disclosure controls and
      procedures (as defined in Exchange Act Rules 13a-15(e) and
      15d-15(e)) for the registrant and have:

     a)   Designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to the
          registrant, including its consolidated subsidiaries, is made known to
          us by others within those entities, particularly during the period in
          which this report is being prepared;

     b)   Evaluated the effectiveness of the registrant's disclosure controls
          and procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and

     c)   Disclosed in this report any change in the registrant's internal
          control over financial reporting that occurred during the registrant's
          most recent fiscal quarter that has materially affected, or is
          reasonably likely to materially affect, the registrant's internal
          control over financial reporting; and

5.    The registrant's other certifying officer and I have disclosed,
      based on our most recent evaluation of internal control over
      financial reporting, to the registrant's auditors and the audit
      committee of registrant's board of directors (or persons
      performing the equivalent functions):

     a)   All significant deficiencies and material weaknesses in the design or
          operation of internal control over financial reporting which are
          reasonably likely to adversely affect the registrant's ability to
          record, process, summarize and report financial information; and

     b)   Any fraud, whether or not material, that involves management or other
          employees who have a significant role in registrant's internal control
          over financial reporting.


Date:  May 14, 2004
       ------------

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