<ARTICLE>                9
<CIK>                    0000811808
<NAME>                   Summit Financial Group, Inc.

                                                    
<PERIOD-TYPE>                     6-MOS                    6-MOS
<FISCAL-YEAR-END>                            DEC-31-2000          DEC-31-1999
<PERIOD-START>                               JAN-01-2000          JAN-01-1999
<PERIOD-END>                                 JUN-30-2000          JUN-30-1999
<CASH>                                         7,550,027            7,384,218
<INT-BEARING-DEPOSITS>                           209,939            6,654,191
<FED-FUNDS-SOLD>                                  60,000           10,906,943
<TRADING-ASSETS>                                       0                    0
<INVESTMENTS-HELD-FOR-SALE>                  154,339,004           95,504,493
<INVESTMENTS-CARRYING>                           401,067            1,297,311
<INVESTMENTS-MARKET>                                   0                    0
<LOANS>                                      244,988,704          223,049,907
<ALLOWANCE>                                   (2,446,613)          (2,207,368)
<TOTAL-ASSETS>                               428,555,018          361,583,747
<DEPOSITS>                                   307,722,048          288,291,564
<SHORT-TERM>                                  69,590,623           16,312,904
<LIABILITIES-OTHER>                            3,286,539            1,608,302
<LONG-TERM>                                   11,766,840           19,803,179
<PREFERRED-MANDATORY>                                  0                    0
<PREFERRED>                                            0                    0
<COMMON>                                       2,225,975            2,401,018
<OTHER-SE>                                    33,962,993           33,166,780
<TOTAL-LIABILITIES-AND-EQUITY>               428,555,018          361,583,747
<INTEREST-LOAN>                               10,392,070            8,832,196
<INTEREST-INVEST>                              5,838,634            2,338,069
<INTEREST-OTHER>                                 131,897              294,577
<INTEREST-TOTAL>                              15,091,418           11,464,842
<INTEREST-DEPOSIT>                             6,172,391            4,872,011
<INTEREST-EXPENSE>                             8,078,086            5,559,011
<INTEREST-INCOME-NET>                          7,013,332           10,350,501
<LOAN-LOSSES>                                    255,001              160,000
<SECURITIES-GAINS>                                     0                    0
<EXPENSE-OTHER>                                4,831,568            4,025,974
<INCOME-PRETAX>                                2,685,614            2,205,171
<INCOME-PRE-EXTRAORDINARY>                     2,685,614            2,205,171
<EXTRAORDINARY>                                        0                    0
<CHANGES>                                              0                    0
<NET-INCOME>                                   1,862,894            1,427,686
<EPS-BASIC>                                         2.11                 1.59
<EPS-DILUTED>                                       2.11                 1.59
<YIELD-ACTUAL>                                      3.8                  4.1
<LOANS-NON>                                       75,000              836,000
<LOANS-PAST>                                      83,000              701,000
<LOANS-TROUBLED>                                       0                    0
<LOANS-PROBLEM>                                        0                    0
<ALLOWANCE-OPEN>                               2,231,555            2,113,201
<CHARGE-OFFS>                                     81,000              107,370
<RECOVERIES>                                      40,000               32,537
<ALLOWANCE-CLOSE>                              2,446,613            2,207,368
<ALLOWANCE-DOMESTIC>                           2,446,613            2,207,368
<ALLOWANCE-FOREIGN>                                    0                    0
<ALLOWANCE-UNALLOCATED>                           90,000              120,000