Exhibit 21

SUBSIDIARIES OF REGISTRANT

The following lists the subsidiaries of Summit Financial Group, Inc., a West Virginia Corporation.

SFG II, Inc., a second tier bank holding company
	organized under the laws of the State of West Virginia
Summit Community Bank, Inc., a state banking corporation
	organized under the laws of the State of West Virginia
Summit Insurance Services, LLC, a full lines insurance agency
	organized under the laws of the State of West Virginia
SFG Capital Trust I, a statutory business trust
	organized under the laws of the State of Delaware
SFG Capital Trust II, a statutory business trust
	organized under the laws of the State of Delaware
SFG Capital Trust III, a statutory business trust
	organized under the laws of the State of Delaware