X0303 4 2009-09-30 0 0000811808 SUMMIT FINANCIAL GROUP INC SMMF 0001186821 FRYE PATRICK 110 WHISTLE WAY MOOREFIELD WV 26836 1 1 0 0 Sr. VP & CCO Common Stock 5813.5218 I By ESOP Common Stock 7992 D Common Stock 2480.878 I By Spouse Employee Stock Option (Right to Buy) 9.49 2003-12-06 2017-12-06 Common Stock 4400 4400 D Employee Stock Option (Right to Buy) 17.79 2004-12-12 2018-12-12 Common Stock 6000 6000 D Employee Stock Option (Right to Buy) 25.93 2005-12-06 2019-12-07 Common Stock 8000 8000 D Employee Stock Option Plan (Right to Buy) 24.44 2005-12-06 2015-12-06 Common Stock 10000 10000 D Employee Stock Option (Right to Buy) 25.93 2005-12-06 2019-12-07 Common Stock 300 300 I By Spouse Employee Stock Option (Right to Buy 24.44 2005-12-06 2015-12-06 Common Stock 750 750 I By Spouse 8% Non-Cumulative Convertible Preferred Stock, Series 2009 5.50 2009-09-30 4 P 0 250 1000.00 A 2010-03-01 2019-06-01 Common Stock 45454.525 250 D Option vests in 5 equal annual installments with beginning date indicated. Option expires in 5 equal annual installments with the final date indicated. The 2009 Series Preferred Stock may be converted at the holder's option on any dividend payment date. Teresa D. Ely, Lmtd POA, Attorney-in-Fact 2009-10-02