November 4, 2013

Mr. Gus Rodriguez

Mr. Marc Thomas

Division of Corporation Finance

United States Securities and Exchange Commission

Washington, DC  20549

VIA EDGAR

RE:           Summit Financial Group, Inc.

Form 10-K for the Fiscal Period Ended December 31, 2012

Filed February 28, 2013

Form 10-Q for Period Ended June 30, 2013

Filed August 7, 2013

File No. 000-16587

Dear Mr. Rodriguez and Mr. Thomas:

We respectfully request an extension of time until Wednesday, November 6, 2013 to respond to your letter of October 23, 2013 regarding the Company’s above referenced filings.

Please feel free to contact me directly via email at rtissue@summitfgi.com or by phone at (304)530-0552 should you have any questions.

 Sincerely,

 /s/  Robert S. Tissue

 Robert S. Tissue

 Senior Vice President &

 Chief Financial Officer