**PRESS RELEASE**


Contacts:
- --------

Carroll E. Amos
Greater Atlantic Financial Corp.
President and Chief Executive Officer
(703) 391-1300

Edmund T. Leonard
BV Financial, Inc.
Chairman of the Board and Chief Financial Officer
(410) 547-1088

         GREATER ATLANTIC BANK COMPLETES SALE OF ITS PASADENA, MARYLAND,
               BRANCH OFFICE TO BAY-VANGUARD FEDERAL SAVINGS BANK

         Reston, Virginia and Baltimore, Maryland; August 24, 2007. Greater
Atlantic Financial Corp. ("GAFC") (Pink Sheets: "GAFC.PK") and BV Financial,
Inc. (OTCBB: BVFL) announced today that Greater Atlantic Bank, the wholly-owned
subsidiary of GAFC, has completed the sale of its branch office located at 8070
Ritchie Highway, Pasadena, Maryland to Bay-Vanguard Federal Savings Bank, the
wholly-owned subsidiary of BV Financial. Pursuant to the terms of the Purchase
and Assumption Agreement, dated as of April 12, 2007, Bay-Vanguard Federal paid
an 8.5% premium on the balance of deposits assumed at closing. As of the closing
date, the deposits at the Pasadena branch office on which the deposit premium
applied totaled approximately $52.0 million. Bay-Vanguard Federal did not
acquire any loans as part of the transaction.

         The sale of the Pasadena branch office was a condition to the
completion of the pending merger of GAFC with and into Summit Financial Group,
Inc. (Nasdaq Capital Market: "SMMF").

ABOUT THE COMPANIES

         Greater Atlantic Financial Corp. conducts its business operations
through its wholly- owned subsidiary, Greater Atlantic Bank. Greater Atlantic
Bank offers traditional banking services to customers through five branches
located in Rockville, Maryland and Front Royal, New Market, Reston and South
Riding, Virginia.

         BV Financial, Inc. is the parent company of Bay-Vanguard Federal.
Bay-Vanguard Federal is headquartered in Baltimore, Maryland, with four other
banking offices in the Baltimore metropolitan area. Bay-Vanguard Federal is a
full-service, community-oriented financial institution dedicated to serving the
financial service needs of consumers and businesses within its market area.





PRIVATE SECURITIES LITIGATION REFORM ACT SAFE HARBOR STATEMENT

         This press release contains forward-looking statements within the
meaning of the federal securities laws. These statements are not historical
facts, but statements based on GAFC and BV Financial's current expectations
regarding their business strategies and their intended results and their future
performance. Forward-looking statements are preceded by terms such as "expects,"
"believes," "anticipates," "intends" and similar expressions.

         Forward-looking statements are not guarantees of future performance.
Numerous risks and uncertainties could cause or contribute to GAFC or BV
Financial's actual results, performance and achievements to be materially
different from those expressed or implied by the forward-looking statements.
Factors that may cause or contribute to these differences include, without
limitation, general economic conditions, including changes in market interest
rates and changes in monetary and fiscal policies of the federal government,
that would have a material adverse effect on GAFC or BV Financial's financial
condition or results of operations, or both; legislative and regulatory changes
that would have a material adverse effect on GAFC or BV Financial's financial
condition or results of operations, or both; and other factors disclosed
periodically in GAFC or BV Financial's filings with the Securities and Exchange
Commission.

         Because of the risks and uncertainties inherent in forward-looking
statements, readers are cautioned not to place undue reliance on them, whether
included in this report or made elsewhere from time to time by GAFC or BV
Financial or on its behalf. GAFC or BV Financial assumes no obligation to update
any forward-looking statements.

OTHER INFORMATION

         Summit Financial Group, Inc. will file a registration statement
containing a prospectus-proxy statement that will be sent to shareholders of
Greater Atlantic Financial Corp., and other relevant documents concerning the
proposed merger, with the SEC. WE URGE SHAREHOLDERS TO READ THE PROSPECTUS-PROXY
STATEMENT TO BE SENT TO THEM, AND ANY OTHER RELEVANT DOCUMENTS FILED BY SUMMIT
FINANCIAL GROUP, INC. AND GAFC WITH THE SEC, BECAUSE THEY WILL CONTAIN IMPORTANT
INFORMATION.

         Investors are able to obtain these documents free of charge at the
SEC's web site (www.sec.gov). In addition, documents that Summit Financial
Group, Inc. files with the SEC are available free of charge from Summit
Financial Group, Inc., 300 North Main Street, P.O. Box 179, Moorefield, West
Virginia 26836. Documents that Greater Atlantic Financial Corp. files with the
SEC are available free of charge from GAFC, 10700 Parkridge Boulevard, Suite
P50, Reston, Virginia 20191.

         The directors, executive officers, and certain other members of
management of GAFC may be deemed to be soliciting proxies in favor of the
proposed merger from the shareholders of GAFC. For information about these
directors, executive officers, and other members of management, shareholders
should refer to the most recent proxy statement that GAFC has filed with the
SEC, which is available on the SEC's web site or at GAFC's address set forth in
the preceding paragraph.