X0201 4/A2002-10-282002-10-29 0000856223 SUMMIT FINANCIAL CORP SUMM 0001184113 BROWN C VINCENT 37 ROCKY CREEK LANE GREENVILLE SC 29615 1000Summit Financial Corporation Common Stock2002-10-282002-10-284P062916.15A86015DReporting person also owns 51,691 shares Indirectly, consisting of 34,119 shares held by a related company and 17,572 shares held by spouseReporting person also owns 5,910 stock options at an exercise price of $3.98, exercisable 1/5/96 which expire 1/5/2005 and 53,188 stock options at an exercise price of $5.33, exercisable in annual increments of 11.1% beginning 1/1/97 which expire 1/1/2006C. Vincent Brown, by Blaise B. Bettendorf, Attorney-in-fact2002-10-28