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

                                                    
<PERIOD-TYPE>                     9-MOS                    6-MOS
<FISCAL-YEAR-END>                            DEC-31-2000          DEC-31-1999
<PERIOD-START>                               JAN-01-2000          JAN-01-1999
<PERIOD-END>                                 SEP-30-2000          SEP-30-1999
<CASH>                                         7,425,976           11,062,873
<INT-BEARING-DEPOSITS>                           202,419            1,848,458
<FED-FUNDS-SOLD>                               2,242,000            5,440,958
<TRADING-ASSETS>                                       0                    0
<INVESTMENTS-HELD-FOR-SALE>                  163,050,350          107,848,487
<INVESTMENTS-CARRYING>                           401,017            1,195,099
<INVESTMENTS-MARKET>                                   0                    0
<LOANS>                                      259,058,057          231,461,097
<ALLOWANCE>                                   (2,537,190)          (2,171,637)
<TOTAL-ASSETS>                               454,333,898          375,844,906
<DEPOSITS>                                   322,245,250          302,286,016
<SHORT-TERM>                                  79,257,957           14,811,880
<LIABILITIES-OTHER>                            3,743,803            2,598,390
<LONG-TERM>                                   11,177,045           19,718,483
<PREFERRED-MANDATORY>                                  0                    0
<PREFERRED>                                            0                    0
<COMMON>                                       2,225,975            2,401,018
<OTHER-SE>                                    36,129,496           35,372,815
<TOTAL-LIABILITIES-AND-EQUITY>               454,333,898          375,844,906
<INTEREST-LOAN>                               15,956,148           13,733,594
<INTEREST-INVEST>                              7,290,503            3,946,013
<INTEREST-OTHER>                                 179,460              438,764
<INTEREST-TOTAL>                              23,426,111           18,118,371
<INTEREST-DEPOSIT>                             9,658,077            7,695,241
<INTEREST-EXPENSE>                            12,990,101            8,842,253
<INTEREST-INCOME-NET>                         10,436,010            9,276,118
<LOAN-LOSSES>                                    394,963              257,500
<SECURITIES-GAINS>                                     0                    0
<EXPENSE-OTHER>                                7,307,451            6,408,913
<INCOME-PRETAX>                                3,781,776            3,434,596
<INCOME-PRE-EXTRAORDINARY>                     2,606,251            2,313,946
<EXTRAORDINARY>                                        0                    0
<CHANGES>                                              0                    0
<NET-INCOME>                                   2,606,251            2,313,946
<EPS-BASIC>                                         2.96                 2.58
<EPS-DILUTED>                                       2.96                 2.58
<YIELD-ACTUAL>                                      3.6                  4.0
<LOANS-NON>                                       77,000              571,000
<LOANS-PAST>                                     323,000              299,000
<LOANS-TROUBLED>                                       0                    0
<LOANS-PROBLEM>                                        0                    0
<ALLOWANCE-OPEN>                               2,231,555            2,113,201
<CHARGE-OFFS>                                    140,161              260,442
<RECOVERIES>                                      50,833               61,378
<ALLOWANCE-CLOSE>                              2,537,190            2,171,637
<ALLOWANCE-DOMESTIC>                           2,537,190            2,171,637
<ALLOWANCE-FOREIGN>                                    0                    0
<ALLOWANCE-UNALLOCATED>                           50,000               80,000