EXHIBIT 99.1


                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002



     The  undersigned  officer  of Summit Financial Corporation (the "Company"),
hereby  certifies,  pursuant  to  18 U.S.C. Section 1350, as adopted pursuant to
Section  906  of  the  Sarbanes-Oxley  Act  of 2002, and in connection with this
Annual  Report  on Form 10-K for the year ended December 31, 2002 (the "Report),
that,  to  such  officer's  knowledge:

(1)  The  Report fully complies with the requirements of Section 13(a) or 15(d),
as  applicable,  of  the  Securities  Exchange  Act  of  1934,  as  amended; and

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


Dated:  March  17,  2003

/s/  J.  Randolph  Potter
- -------------------------
J.  Randolph  Potter,  President  and
Chief  Executive  Officer