EXHIBIT 13
                       PORTIONS OF 2001 ANNUAL REPORT INCORPORATED BY REFERENCE


COMMON STOCK LISTING

Current market  quotations for the common stock of Summit Financial Group,  Inc.
are available on the OTC Bulletin Board under the symbol SMMF.


COMMON STOCK DIVIDEND AND MARKET PRICE INFORMATION

The following  table  presents  cash  dividends  paid per share and  information
regarding  bid  prices  per  share of  Summit's  common  stock  for the  periods
indicated. The bid prices presented are based on information reported by the OTC
Bulletin Board,  and may reflect  inter-dealer  prices,  without retail mark-up,
mark-down or commission and not represent actual transactions.


                            First      Second       Third       Fourth
                           Quarter     Quarter     Quarter      Quarter
                           -------     -------     -------      -------
 2001
 Dividends paid              $   -      $ 0.35       $   -       $ 0.35
 High Bid                    18.50       22.00       24.50        30.25
 Low Bid                     17.75       18.00       20.38        22.25

 2000
 Dividends paid              $   -      $ 0.25       $   -       $ 0.35
 High Bid                    20.50       18.50       18.25        18.50
 Low Bid                     18.25       15.19       15.50        17.75

Dividends  on  Summit's  common  stock  are  paid on the  15th  day of June  and
December. The record date is the 1st day of each respective month.

As of March 1, 2002, there were  approximately  1,240 shareholders of record
of Summit's common stock.