UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): July 28, 2008 ------------- GREATER ATLANTIC FINANCIAL CORP. -------------------------------- (Exact name of registrant as specified in its charter) DELAWARE -------- (State or other jurisdiction of incorporation) 0-26467 54-1873112 - ------------------------ ---------- (Commission File Number) (IRS Employer Identification Number) 10700 Parkridge Boulevard, Suite P50 Reston, Virginia 20191 - ----------------------------------------------------- ----- (Address of Principal Executive Offices) (Zip Code) (703) 391-1300 -------------- (Registrant's telephone number, including area code) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [X] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ITEM 8.01 OTHER EVENTS. On July 28, 2008, Greater Atlantic Financial Corp. announced that its Board of Directors had set September 4, 2008, as the date of its Special Meeting of Shareholders to vote on the Company's pending merger with Summit Financial Group, Inc. The voting record date for the Special Meeting of Shareholders is July 28, 2008. For further information, see the Company's release dated July 28, 2008, which is filed herewith as Exhibit 99.1 and incorporated herein by reference. ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS. (a) Not applicable. (b) Not applicable. (c) Not applicable. (d) Exhibit: 99.1 Press Release dated July 28, 2008. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. GREATER ATLANTIC FINANCIAL CORP. Date: July 29, 2008 By: /s/ Carroll E. Amos ----------------------------------------- Carroll E. Amos President and Chief Executive Officer Date: July 29, 2008 By: /s/ David E. Ritter ----------------------------------------- David E. Ritter Senior Vice President and Chief Financial Officer