The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 221 1,437 SH   SOLE   1,437 0 0
INGERSOLL-RAND PLC SHS G47791101 367 4,291 SH   SOLE   4,291 0 0
MEDTRONIC PLC SHS G5960L103 278 3,465 SH   SOLE   3,465 0 0
MEDTRONIC PLC SHS G5960L103 16 200 SH   OTR   200 0 0
CHUBB LIMITED COM H1467J104 340 2,487 SH   SOLE   2,487 0 0
SOUTHWEST VIRGINIA BANKSHARE COM T90000463 240 5,327 SH   SOLE   5,327 0 0
ABB LTD SPONSORED ADR 000375204 237 10,000 SH   SOLE   10,000 0 0
AT&T INC COM 00206R102 2,071 58,105 SH   SOLE   58,105 0 0
AT&T INC COM 00206R102 242 6,778 SH   OTR   6,365 0 413
ABBOTT LABS COM 002824100 437 7,298 SH   SOLE   7,298 0 0
ABBOTT LABS COM 002824100 12 200 SH   OTR   200 0 0
ABBVIE INC COM 00287Y109 1,108 11,710 SH   SOLE   11,710 0 0
ABBVIE INC COM 00287Y109 19 200 SH   OTR   200 0 0
ADOBE SYS INC COM 00724F101 279 1,290 SH   SOLE   1,290 0 0
AIR PRODS & CHEMS INC COM 009158106 840 5,285 SH   SOLE   5,285 0 0
ALPHABET INC CAP STK CL C 02079K107 727 705 SH   SOLE   705 0 0
ALPHABET INC CAP STK CL A 02079K305 968 933 SH   SOLE   933 0 0
ALTRIA GROUP INC COM 02209S103 426 6,840 SH   SOLE   6,840 0 0
ALTRIA GROUP INC COM 02209S103 34 550 SH   OTR   500 0 50
AMAZON COM INC COM 023135106 462 319 SH   SOLE   319 0 0
AMERICAN ELEC PWR INC COM 025537101 1,042 15,196 SH   SOLE   15,196 0 0
AMERICAN ELEC PWR INC COM 025537101 7 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 205 1,205 SH   SOLE   1,205 0 0
AMGEN INC COM 031162100 17 100 SH   OTR   100 0 0
APPLE INC COM 037833100 1,919 11,437 SH   SOLE   11,437 0 0
APPLE INC COM 037833100 40 240 SH   OTR   240 0 0
AUTODESK INC COM 052769106 753 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 629 5,540 SH   SOLE   5,540 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 11 100 SH   OTR   100 0 0
BB&T CORP COM 054937107 311 5,982 SH   SOLE   5,982 0 0
BP PLC SPONSORED ADR 055622104 521 12,850 SH   SOLE   12,850 0 0
BP PLC SPONSORED ADR 055622104 20 500 SH   OTR   500 0 0
BANK AMER CORP COM 060505104 291 9,695 SH   SOLE   9,695 0 0
BANK AMER CORP COM 060505104 95 3,159 SH   OTR   3,059 0 100
BAXTER INTL INC COM 071813109 849 13,050 SH   SOLE   13,050 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 598 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,115 5,590 SH   SOLE   5,590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 25 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 654 12,050 SH   SOLE   12,050 0 0
BLACKROCK INC COM 09247X101 596 1,100 SH   SOLE   1,100 0 0
BOEING CO COM 097023105 731 2,228 SH   SOLE   2,228 0 0
BOEING CO COM 097023105 16 50 SH   OTR   0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 1,483 23,442 SH   SOLE   23,442 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6 100 SH   OTR   100 0 0
CME GROUP INC COM CL A 12572Q105 332 2,050 SH   SOLE   2,050 0 0
CSX CORP COM 126408103 2,355 42,267 SH   SOLE   42,267 0 0
CSX CORP COM 126408103 187 3,357 SH   OTR   288 0 3,069
CAPITAL ONE FINL CORP COM 14040H105 294 3,065 SH   SOLE   3,065 0 0
CATERPILLAR INC DEL COM 149123101 528 3,583 SH   SOLE   3,583 0 0
CHEVRON CORP NEW COM 166764100 1,237 10,847 SH   SOLE   10,847 0 0
CHEVRON CORP NEW COM 166764100 11 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,605 37,432 SH   SOLE   37,432 0 0
CISCO SYS INC COM 17275R102 37 852 SH   OTR   852 0 0
COCA COLA CO COM 191216100 2,604 59,970 SH   SOLE   59,970 0 0
COCA COLA CO COM 191216100 117 2,700 SH   OTR   2,700 0 0
COLGATE PALMOLIVE CO COM 194162103 908 12,664 SH   SOLE   12,664 0 0
COLGATE PALMOLIVE CO COM 194162103 215 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 259 7,588 SH   SOLE   7,588 0 0
COMCAST CORP NEW CL A 20030N101 35 1,014 SH   OTR   0 0 1,014
CONOCOPHILLIPS COM 20825C104 361 6,091 SH   SOLE   6,091 0 0
CONOCOPHILLIPS COM 20825C104 12 200 SH   OTR   200 0 0
CONSOLIDATED EDISON INC COM 209115104 436 5,600 SH   SOLE   5,600 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 250 2,278 SH   SOLE   2,278 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 26 237 SH   OTR   237 0 0
CUMMINS INC COM 231021106 211 1,300 SH   SOLE   1,300 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 222 4,046 SH   SOLE   4,046 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 33 600 SH   OTR   600 0 0
DISNEY WALT CO COM DISNEY 254687106 2,297 22,870 SH   SOLE   22,870 0 0
DOMINION ENERGY INC COM 25746U109 1,163 17,247 SH   SOLE   17,247 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH   OTR   62 0 0
DOWDUPONT INC COM 26078J100 3,066 48,132 SH   SOLE   48,132 0 0
DOWDUPONT INC COM 26078J100 12 192 SH   OTR   192 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,077 13,900 SH   SOLE   13,900 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 17 220 SH   OTR   220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 915 6,560 SH   SOLE   6,560 0 0
EMERSON ELEC CO COM 291011104 1,265 18,519 SH   SOLE   18,519 0 0
EMERSON ELEC CO COM 291011104 143 2,100 SH   OTR   2,100 0 0
ENBRIDGE INC COM 29250N105 216 6,864 SH   SOLE   6,864 0 0
ENBRIDGE INC COM 29250N105 2 49 SH   OTR   49 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 485 19,800 SH   SOLE   19,800 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 7 300 SH   OTR   300 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 260 3,766 SH   SOLE   3,766 0 0
EXXON MOBIL CORP COM 30231G102 3,789 50,789 SH   SOLE   50,789 0 0
EXXON MOBIL CORP COM 30231G102 494 6,616 SH   OTR   6,528 0 88
FEDERATED INVS INC PA CL B 314211103 334 10,000 SH   SOLE   10,000 0 0
FIRST CMNTY BANCSHARES INC N COM 31983A103 3,347 112,125 SH   SOLE   112,125 0 0
FIRST CMNTY CORP COM 31984K100 75 12,000 SH   SOLE   12,000 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1,098 9,115 SH   SOLE   9,115 0 0
FISERV INC COM 337738108 1,410 19,778 SH   SOLE   19,778 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 820 20,714 SH   SOLE   20,714 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 4 108 SH   OTR   108 0 0
GENERAL DYNAMICS CORP COM 369550108 1,650 7,470 SH   SOLE   7,470 0 0
GENERAL ELECTRIC CO COM 369604103 600 44,533 SH   SOLE   44,533 0 0
GENERAL ELECTRIC CO COM 369604103 38 2,825 SH   OTR   425 0 2,400
GENERAL MLS INC COM 370334104 450 9,978 SH   SOLE   9,978 0 0
HERSHEY CO COM 427866108 675 6,825 SH   SOLE   6,825 0 0
HIGHLANDS BANKSHARES INC VA COM 430893107 1,234 163,393 SH   SOLE   163,393 0 0
HOME DEPOT INC COM 437076102 1,634 9,170 SH   SOLE   9,170 0 0
HOME DEPOT INC COM 437076102 87 490 SH   OTR   390 0 100
HONEYWELL INTL INC COM 438516106 1,134 7,850 SH   SOLE   7,850 0 0
HONEYWELL INTL INC COM 438516106 14 100 SH   OTR   100 0 0
INTEL CORP COM 458140100 2,353 45,178 SH   SOLE   45,178 0 0
INTEL CORP COM 458140100 26 500 SH   OTR   500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 945 13,035 SH   SOLE   13,035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,300 8,471 SH   SOLE   8,471 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 608 3,960 SH   OTR   200 0 3,760
ISHARES TR GLOBAL TECH ETF 464287291 267 1,689 SH   SOLE   1,689 0 0
ISHARES TR NASDAQ BIOTECH 464287556 960 8,995 SH   SOLE   8,995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 192 1,800 SH   OTR   1,800 0 0
ISHARES TR JPMORGAN USD EMG 464288281 206 1,830 SH   SOLE   1,830 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 300 4,950 SH   SOLE   4,950 0 0
ISHARES TR CORE INTL AGGR 46435G672 395 7,500 SH   SOLE   7,500 0 0
JPMORGAN CHASE & CO COM 46625H100 1,159 10,541 SH   SOLE   10,541 0 0
JOHNSON & JOHNSON COM 478160104 6,634 51,770 SH   SOLE   51,770 0 0
JOHNSON & JOHNSON COM 478160104 467 3,645 SH   OTR   3,645 0 0
KIMBERLY CLARK CORP COM 494368103 541 4,912 SH   SOLE   4,912 0 0
KRAFT HEINZ CO COM 500754106 256 4,107 SH   SOLE   4,107 0 0
L3 TECHNOLOGIES INC COM 502413107 229 1,100 SH   SOLE   1,100 0 0
LILLY ELI & CO COM 532457108 1,421 18,360 SH   SOLE   18,360 0 0
LOWES COS INC COM 548661107 400 4,557 SH   SOLE   4,557 0 0
MASTERCARD INCORPORATED CL A 57636Q104 921 5,260 SH   SOLE   5,260 0 0
MCDONALDS CORP COM 580135101 449 2,873 SH   SOLE   2,873 0 0
MERCK & CO INC COM 58933Y105 1,021 18,740 SH   SOLE   18,740 0 0
MICROSOFT CORP COM 594918104 3,780 41,417 SH   SOLE   41,417 0 0
MICROSOFT CORP COM 594918104 509 5,575 SH   OTR   5,575 0 0
MONDELEZ INTL INC CL A 609207105 241 5,785 SH   SOLE   5,785 0 0
MONDELEZ INTL INC CL A 609207105 10 234 SH   OTR   200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 1,580 35,082 SH   SOLE   35,082 0 0
NESTLE S A SPONSORED ADR 641069406 350 4,437 SH   SOLE   4,437 0 0
NETFLIX INC COM 64110L106 260 880 SH   SOLE   880 0 0
NEXTERA ENERGY INC COM 65339F101 468 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 2,414 17,776 SH   SOLE   17,776 0 0
NORFOLK SOUTHERN CORP COM 655844108 358 2,638 SH   OTR   1,015 0 1,623
NOVARTIS A G SPONSORED ADR 66987V109 358 4,426 SH   SOLE   4,426 0 0
ORACLE CORP COM 68389X105 951 20,780 SH   SOLE   20,780 0 0
PEPSICO INC COM 713448108 1,754 16,067 SH   SOLE   16,067 0 0
PEPSICO INC COM 713448108 38 350 SH   OTR   350 0 0
PFIZER INC COM 717081103 1,383 38,970 SH   SOLE   38,970 0 0
PFIZER INC COM 717081103 190 5,350 SH   OTR   5,350 0 0
PHILIP MORRIS INTL INC COM 718172109 531 5,345 SH   SOLE   5,345 0 0
PHILIP MORRIS INTL INC COM 718172109 5 50 SH   OTR   0 0 50
PROCTER AND GAMBLE CO COM 742718109 4,120 51,963 SH   SOLE   51,963 0 0
PROCTER AND GAMBLE CO COM 742718109 180 2,270 SH   OTR   2,270 0 0
QUALCOMM INC COM 747525103 220 3,972 SH   SOLE   3,972 0 0
QUANTA SVCS INC COM 74762E102 344 10,000 SH   SOLE   10,000 0 0
RGC RES INC COM 74955L103 2,263 89,083 SH   SOLE   89,083 0 0
RAYTHEON CO COM NEW 755111507 1,571 7,281 SH   SOLE   7,281 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 639 10,007 SH   SOLE   10,007 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 32 500 SH   OTR   500 0 0
SALESFORCE COM INC COM 79466L302 455 3,908 SH   SOLE   3,908 0 0
SCHLUMBERGER LTD COM 806857108 1,145 17,675 SH   SOLE   17,675 0 0
SCHLUMBERGER LTD COM 806857108 117 1,800 SH   OTR   1,800 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 355 20,887 SH   SOLE   20,887 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 19 1,117 SH   OTR   1,117 0 0
SIEMENS A G SPONSORED ADR 826197501 592 9,300 SH   SOLE   9,300 0 0
SOUTHERN CO COM 842587107 471 10,539 SH   SOLE   10,539 0 0
STANLEY BLACK & DECKER INC COM 854502101 1,024 6,685 SH   SOLE   6,685 0 0
STANLEY BLACK & DECKER INC COM 854502101 155 1,014 SH   OTR   1,014 0 0
STARBUCKS CORP COM 855244109 221 3,825 SH   SOLE   3,825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 3,147 125,831 SH   SOLE   125,831 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 777 31,078 SH   OTR   30,000 0 1,078
SYSCO CORP COM 871829107 275 4,580 SH   SOLE   4,580 0 0
TARGET CORP COM 87612E106 245 3,528 SH   SOLE   3,528 0 0
3M CO COM 88579Y101 973 4,431 SH   SOLE   4,431 0 0
3M CO COM 88579Y101 22 100 SH   OTR   100 0 0
US BANCORP DEL COM NEW 902973304 266 5,275 SH   SOLE   5,275 0 0
UNION PAC CORP COM 907818108 218 1,620 SH   SOLE   1,620 0 0
UNITED PARCEL SERVICE INC CL B 911312106 217 2,075 SH   SOLE   2,075 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,539 12,228 SH   SOLE   12,228 0 0
UNITED TECHNOLOGIES CORP COM 913017109 226 1,799 SH   OTR   1,799 0 0
VANGUARD N Y TAX FREE FD LONG TAXEX INV 92204H103 230 20,000 SH   SOLE   20,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,785 37,333 SH   SOLE   37,333 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 14 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 930 7,771 SH   SOLE   7,771 0 0
WALMART INC COM 931142103 400 4,500 SH   SOLE   4,500 0 0
WALMART INC COM 931142103 4 50 SH   OTR   50 0 0
WASTE MGMT INC DEL COM 94106L109 1,421 16,892 SH   SOLE   16,892 0 0
WASTE MGMT INC DEL COM 94106L109 210 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 841 16,047 SH   SOLE   16,047 0 0
WELLTOWER INC COM 95040Q104 231 4,240 SH   SOLE   4,240 0 0
WELLTOWER INC COM 95040Q104 14 250 SH   OTR   250 0 0
WEYERHAEUSER CO COM 962166104 314 8,978 SH   SOLE   8,978 0 0