Independent Auditors' Consent
                          -----------------------------

The  Board  of  Directors
Summit  Financial  Corporation

We  consent to incorporation by reference in the registration statements on Form
S-8  (No.  33-83538,  33-94962, and 33-94964) of Summit Financial Corporation of
our  report  dated January 19, 2001, relating to the consolidated balance sheets
of  Summit Financial Corporation and subsidiaries (the "Company") as of December
31,  2000  and  1999,  and  the  related  consolidated  statements  of  income,
shareholders'  equity  and  comprehensive income, and cash flows for each of the
years  in the three-year period ended December 31, 2000, which report appears in
the  December  31,  2000  Annual  Report  on  Form  10-K  of  the  Company.


                                                /s/ KPMG LLP

Greenville,  South  Carolina
March  26,  2001