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  18,  2002, with respect to the consolidated balance
sheets  of  Summit  Financial Corporation and subsidiaries (the "Company") as of
December  31,  2001 and 2000, 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, 2001, which report appears in
the  December  31,  2001  Annual  Report  on  Form  10-K  of  the  Company.

                                       /s/  KPMG  LLP
Greenville,  South  Carolina
March  27,  2002