Exhibit 5 and Exhibit 23.1

    101 South Queen Street Martinsburg, West Virginia 25401   7000 Hampton Center Morgantown, West Virginia 26505   511 7th Street Moundsville, West Virginia 26041   501 Avery Street Parkersburg, West Virginia 26101   600 Quarrier Street Charleston, West Virginia 25301   Post Office Box 1386 Charleston, West Virginia  25325-1386   (304) 347-1100   www.bowlesrice.com     6000 Town Center Boulevard, Suite 210 Canonsburg, Pennsylvania 15317   333 West Vine Street, Suite 1700 Lexington, Kentucky 40507   480 West Jubal Early Drive, Suite 130 Winchester, Virginia 22601  

September 25, 2014

Summit Financial Group, Inc.

300 North Main Street

Moorefield, West Virginia 26836

Re:           Form S-8 Registration Statement

 Ladies and Gentlemen:

                       This opinion is rendered in connection with the Form S-8 Registration Statement (the “Registration Statement”) filed by Summit Financial Group, Inc. (the “Registrant”) with the Securities and Exchange Commission under the Securities Act of 1933, as amended, with respect to the registration of 500,000 shares of common stock of Registrant, $2.50 par value (“Common Stock”) issuable in connection with Registrant’s 2014 Long-Term Incentive Plan (the “Plan”), all as set forth in the Registration Statement.

                       We are of the opinion that if all the conditions set forth in the Plan are satisfied, the Common Stock, when issued in connection with the Plan in accordance with the terms set forth therein will be duly authorized, validly issued, fully paid and nonassessable and will not be issued in violation of any preemptive rights of any shareholder of Registrant.

                       We hereby consent to the use of this opinion as an exhibit to the Registration Statement and to the reference to our firm therein.

 Very truly yours,

/s/ Bowles Rice LLP

Bowles Rice LLP