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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000811808-02-000010.txt : 20020531
<SEC-HEADER>0000811808-02-000010.hdr.sgml : 20020531
<ACCEPTANCE-DATETIME>20020531094015
ACCESSION NUMBER:		0000811808-02-000010
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20020520
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20020531

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SUMMIT FINANCIAL GROUP INC
		CENTRAL INDEX KEY:			0000811808
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				550672148
		STATE OF INCORPORATION:			WV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16587
		FILM NUMBER:		02667114

	BUSINESS ADDRESS:	
		STREET 1:		223 NORTH MAIN STREET
		CITY:			MOOREFIELD
		STATE:			WV
		ZIP:			26836
		BUSINESS PHONE:		3045382353

	MAIL ADDRESS:	
		STREET 1:		PO BOX 680
		CITY:			MOOREFIELD
		STATE:			WV
		ZIP:			26836

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SOUTH BRANCH VALLEY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8kgrnvilleterm.txt
<DESCRIPTION>SUMMIT FINANCIAL GROUP
<TEXT>


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


         Date of Report (Date of earliest event reported): May 20, 2002


                          Summit Financial Group, Inc.
             (Exact name of registrant as specified in its charter)


   West Virginia                    0-16587                    55-0672148
  (State or Other                  (Commission               (I.R.S. Employer
   Jurisdiction)                   File Number)               Identification)


                  223 North Main Street, Moorefield, WV, 26836
               (Address of principal executive offices) (Zip Code)


                                 (304) 538-1000
              (Registrant's telephone number, including area code)


                                 Not Applicable
      (Former name, address, and fiscal year, if changed since last report)

<PAGE>

Item  5.  Other Events

On May 20, 2002, Summit Financial Group,  Inc.  ("Summit") and Monroe Financial,
Inc.  ("Monroe") issued a News Release announcing that they mutually have agreed
to terminate their plan to affiliate  announced  April 26, 2002,  whereby Summit
was to acquire Monroe and its wholly owned subsidiary,  Bank of Greenville.  The
reason for  termination  was the receipt by Monroe of an  unsolicited  competing
offer.


Item 7.  Financial Statements and Exhibits

(c)  Exhibits.

99.1     News Release, dated May 20, 2002 incorporated herein by reference.


                                    SIGNATURE

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                                                   SUMMIT FINANCIAL GROUP, INC.


Date: May 30, 2002                                 By: /s/  Robert S. Tissue
                                                       Robert S. Tissue
                                                       Senior Vice President and
                                                       Chief Financial Officer

<PAGE>

                                  EXHIBIT INDEX


Exhibit No.                                        Description

99.1                              News Release, dated May 20, 2002 incorporated
                                  herein by reference.


<PAGE>

                                                                  Exhibit 99.1

[SUMMIT LOGO]


FOR IMMEDIATE RELEASE


May 20, 2002

Contacts:    Joe L. Ellison -  President & CEO, Monroe  Financial,  Inc. and
             Bank of Greenville   Phone: (304) 832-6265;
             Email: joeellison@bankofgreenville.com

             Robert S. Tissue - Sr. Vice President & CFO, Summit Financial
             Group, Inc.  Phone:  (304) 538-7233, Email:  rtissue@summitfgi.com

SUMMIT FINANCIAL GROUP, INC. AND MONROE FINANCIAL,  INC. AGREE TO TERMINATE PLAN
TO AFFILIATE

     SUMMIT FINANCIAL GROUP, INC. (OTCBB: SMMF) and MONROE FINANCIAL, INC. today
announced  that they mutually  have agreed to terminate  their plan to affiliate
announced  April 26, 2002  whereby  Summit was to acquire  Monroe and its wholly
owned subsidiary, Bank of Greenville. The reason for termination was the receipt
by Monroe of an unsolicited competing offer.

     Summit  Financial  Group,  Inc. is a financial  holding  company with total
assets of $603 million.  Summit  operates eleven banking  locations  through its
three wholly owned  subsidiary  banks,  Summit  Community Bank  headquartered in
Moorefield,  West  Virginia,  Capital  State  Bank,  Inc.  in  Charleston,  West
Virginia, and Shenandoah Valley National Bank in Winchester, Virginia.

     Monroe  Financial,  Inc. is a bank holding company with total assets of $30
million,  and operates  three full service  banking  offices  through its wholly
owned subsidiary, Bank of Greenville headquartered in Greenville, West Virginia.


</TEXT>
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