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
Quarterly  Report  on  Form  10-Q  for the period year ended March 31, 2003 (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:  May  7,  2003

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


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

A  signed  original  of  this written statement required by Section 906 has been
provided  to  Summit  Financial  Corporation  and  will  be  retained  by Summit
Financial Corporation and furnished to the Securities and Exchange Commission or
its  staff  upon  request.