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 252 1,482 SH   SOLE   1,482 0 0
INGERSOLL-RAND PLC SHS G47791101 439 4,291 SH   SOLE   4,291 0 0
MEDTRONIC PLC SHS G5960L103 336 3,415 SH   SOLE   3,415 0 0
MEDTRONIC PLC SHS G5960L103 20 200 SH   OTR   200 0 0
CHUBB LIMITED COM H1467J104 289 2,163 SH   SOLE   2,163 0 0
AT&T INC COM 00206R102 1,927 57,386 SH   SOLE   57,386 0 0
AT&T INC COM 00206R102 229 6,825 SH   OTR   6,412 0 413
ABBOTT LABS COM 002824100 539 7,350 SH   SOLE   7,350 0 0
ABBOTT LABS COM 002824100 26 350 SH   OTR   350 0 0
ABBVIE INC COM 00287Y109 1,088 11,505 SH   SOLE   11,505 0 0
ABBVIE INC COM 00287Y109 19 200 SH   OTR   200 0 0
ADOBE SYS INC COM 00724F101 268 994 SH   SOLE   994 0 0
AIR PRODS & CHEMS INC COM 009158106 743 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL C 02079K107 841 705 SH   SOLE   705 0 0
ALPHABET INC CAP STK CL A 02079K305 1,126 933 SH   SOLE   933 0 0
ALTRIA GROUP INC COM 02209S103 274 4,550 SH   SOLE   4,550 0 0
ALTRIA GROUP INC COM 02209S103 33 550 SH   OTR   500 0 50
AMAZON COM INC COM 023135106 639 319 SH   SOLE   319 0 0
AMERICAN ELEC PWR INC COM 025537101 1,072 15,130 SH   SOLE   15,130 0 0
AMERICAN ELEC PWR INC COM 025537101 7 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 250 1,205 SH   SOLE   1,205 0 0
AMGEN INC COM 031162100 21 100 SH   OTR   100 0 0
APPLE INC COM 037833100 2,461 10,902 SH   SOLE   10,902 0 0
APPLE INC COM 037833100 54 240 SH   OTR   240 0 0
AUTODESK INC COM 052769106 937 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 774 5,140 SH   SOLE   5,140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 15 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 592 12,850 SH   SOLE   12,850 0 0
BP PLC SPONSORED ADR 055622104 23 500 SH   OTR   500 0 0
BANK AMER CORP COM 060505104 243 8,235 SH   SOLE   8,235 0 0
BANK AMER CORP COM 060505104 87 2,959 SH   OTR   2,859 0 100
BAXTER INTL INC COM 071813109 867 11,250 SH   SOLE   11,250 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 640 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,197 5,590 SH   SOLE   5,590 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 27 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 511 8,800 SH   SOLE   8,800 0 0
BLACKROCK INC COM 09247X101 518 1,100 SH   SOLE   1,100 0 0
BOEING CO COM 097023105 829 2,228 SH   SOLE   2,228 0 0
BOEING CO COM 097023105 19 50 SH   OTR   0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 1,319 21,242 SH   SOLE   21,242 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6 100 SH   OTR   100 0 0
CME GROUP INC COM CL A 12572Q105 349 2,050 SH   SOLE   2,050 0 0
CSX CORP COM 126408103 3,111 42,017 SH   SOLE   42,017 0 0
CSX CORP COM 126408103 241 3,257 SH   OTR   188 0 3,069
CAPITAL ONE FINL CORP COM 14040H105 291 3,065 SH   SOLE   3,065 0 0
CATERPILLAR INC DEL COM 149123101 531 3,483 SH   SOLE   3,483 0 0
CHEVRON CORP NEW COM 166764100 1,265 10,347 SH   SOLE   10,347 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,816 37,332 SH   SOLE   37,332 0 0
CISCO SYS INC COM 17275R102 41 852 SH   OTR   852 0 0
COCA COLA CO COM 191216100 2,570 55,650 SH   SOLE   55,650 0 0
COCA COLA CO COM 191216100 125 2,700 SH   OTR   2,700 0 0
COLGATE PALMOLIVE CO COM 194162103 818 12,214 SH   SOLE   12,214 0 0
COLGATE PALMOLIVE CO COM 194162103 201 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 265 7,488 SH   SOLE   7,488 0 0
COMCAST CORP NEW CL A 20030N101 36 1,014 SH   OTR   0 0 1,014
CONOCOPHILLIPS COM 20825C104 460 5,941 SH   SOLE   5,941 0 0
CONSOLIDATED EDISON INC COM 209115104 411 5,400 SH   SOLE   5,400 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 191 1,719 SH   SOLE   1,719 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 26 237 SH   OTR   237 0 0
DARDEN RESTAURANTS INC COM 237194105 217 1,953 SH   SOLE   1,953 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 217 3,746 SH   SOLE   3,746 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 35 600 SH   OTR   600 0 0
DISNEY WALT CO COM DISNEY 254687106 2,674 22,870 SH   SOLE   22,870 0 0
DOMINION ENERGY INC COM 25746U109 685 9,752 SH   SOLE   9,752 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH   OTR   62 0 0
DOWDUPONT INC COM 26078J100 3,054 47,496 SH   SOLE   47,496 0 0
DOWDUPONT INC COM 26078J100 25 392 SH   OTR   392 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 786 9,824 SH   SOLE   9,824 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 18 220 SH   OTR   220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,142 6,560 SH   SOLE   6,560 0 0
EMERSON ELEC CO COM 291011104 1,358 17,733 SH   SOLE   17,733 0 0
EMERSON ELEC CO COM 291011104 161 2,100 SH   OTR   2,100 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 293 10,200 SH   SOLE   10,200 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 9 300 SH   OTR   300 0 0
EXXON MOBIL CORP COM 30231G102 4,212 49,541 SH   SOLE   49,541 0 0
EXXON MOBIL CORP COM 30231G102 562 6,616 SH   OTR   6,528 0 88
FEDERATED INVS INC PA CL B 314211103 241 10,000 SH   SOLE   10,000 0 0
FIRST CMNTY BANCSHARES INC N COM 31983A103 3,757 110,886 SH   SOLE   110,886 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1,290 9,115 SH   SOLE   9,115 0 0
FISERV INC COM 337738108 1,613 19,578 SH   SOLE   19,578 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 877 21,010 SH   SOLE   21,010 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 5 109 SH   OTR   109 0 0
GENERAL DYNAMICS CORP COM 369550108 1,120 5,470 SH   SOLE   5,470 0 0
GENERAL ELECTRIC CO COM 369604103 288 25,510 SH   SOLE   25,510 0 0
GENERAL ELECTRIC CO COM 369604103 32 2,825 SH   OTR   425 0 2,400
GENERAL MLS INC COM 370334104 376 8,750 SH   SOLE   8,750 0 0
HERSHEY CO COM 427866108 696 6,825 SH   SOLE   6,825 0 0
HOME DEPOT INC COM 437076102 1,900 9,170 SH   SOLE   9,170 0 0
HOME DEPOT INC COM 437076102 94 455 SH   OTR   355 0 100
HONEYWELL INTL INC COM 438516106 1,281 7,700 SH   SOLE   7,700 0 0
HONEYWELL INTL INC COM 438516106 8 50 SH   OTR   50 0 0
INTEL CORP COM 458140100 2,037 43,078 SH   SOLE   43,078 0 0
INTEL CORP COM 458140100 24 500 SH   OTR   500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 976 13,035 SH   SOLE   13,035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,132 7,485 SH   SOLE   7,485 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 599 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 3,314 17,838 SH   SOLE   17,838 0 0
ISHARES TR GLOBAL TECH ETF 464287291 278 1,589 SH   SOLE   1,589 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,097 8,995 SH   SOLE   8,995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 219 1,800 SH   OTR   1,800 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 298 4,950 SH   SOLE   4,950 0 0
ISHARES TR CORE INTL AGGR 46435G672 392 7,500 SH   SOLE   7,500 0 0
JPMORGAN CHASE & CO COM 46625H100 1,152 10,206 SH   SOLE   10,206 0 0
JOHNSON & JOHNSON COM 478160104 7,155 51,785 SH   SOLE   51,785 0 0
JOHNSON & JOHNSON COM 478160104 496 3,590 SH   OTR   3,590 0 0
KIMBERLY CLARK CORP COM 494368103 438 3,850 SH   SOLE   3,850 0 0
L3 TECHNOLOGIES INC COM 502413107 234 1,100 SH   SOLE   1,100 0 0
LILLY ELI & CO COM 532457108 1,967 18,330 SH   SOLE   18,330 0 0
LOWES COS INC COM 548661107 523 4,557 SH   SOLE   4,557 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,171 5,260 SH   SOLE   5,260 0 0
MCDONALDS CORP COM 580135101 481 2,873 SH   SOLE   2,873 0 0
MERCK & CO INC COM 58933Y105 311 4,383 SH   SOLE   4,383 0 0
MICROSOFT CORP COM 594918104 4,713 41,208 SH   SOLE   41,208 0 0
MICROSOFT CORP COM 594918104 638 5,575 SH   OTR   5,575 0 0
MONDELEZ INTL INC CL A 609207105 222 5,160 SH   SOLE   5,160 0 0
MONDELEZ INTL INC CL A 609207105 10 234 SH   OTR   200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 1,594 35,082 SH   SOLE   35,082 0 0
NESTLE S A SPONSORED ADR 641069406 326 3,887 SH   SOLE   3,887 0 0
NETFLIX INC COM 64110L106 329 880 SH   SOLE   880 0 0
NEXTERA ENERGY INC COM 65339F101 480 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,124 17,306 SH   SOLE   17,306 0 0
NORFOLK SOUTHERN CORP COM 655844108 476 2,638 SH   OTR   1,015 0 1,623
NOVARTIS A G SPONSORED ADR 66987V109 381 4,426 SH   SOLE   4,426 0 0
ORACLE CORP COM 68389X105 294 5,700 SH   SOLE   5,700 0 0
PEPSICO INC COM 713448108 1,796 16,067 SH   SOLE   16,067 0 0
PEPSICO INC COM 713448108 39 350 SH   OTR   350 0 0
PFIZER INC COM 717081103 1,715 38,922 SH   SOLE   38,922 0 0
PFIZER INC COM 717081103 236 5,350 SH   OTR   5,350 0 0
PHILIP MORRIS INTL INC COM 718172109 309 3,795 SH   SOLE   3,795 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH   OTR   0 0 50
PHILLIPS 66 COM 718546104 204 1,806 SH   SOLE   1,806 0 0
PROCTER AND GAMBLE CO COM 742718109 4,296 51,622 SH   SOLE   51,622 0 0
PROCTER AND GAMBLE CO COM 742718109 189 2,270 SH   OTR   2,270 0 0
QUALCOMM INC COM 747525103 243 3,369 SH   SOLE   3,369 0 0
RGC RES INC COM 74955L103 1,932 72,333 SH   SOLE   72,333 0 0
RAYTHEON CO COM NEW 755111507 1,505 7,281 SH   SOLE   7,281 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 680 9,974 SH   SOLE   9,974 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 20 300 SH   OTR   300 0 0
SALESFORCE COM INC COM 79466L302 621 3,908 SH   SOLE   3,908 0 0
SCHLUMBERGER LTD COM 806857108 875 14,366 SH   SOLE   14,366 0 0
SCHLUMBERGER LTD COM 806857108 110 1,800 SH   OTR   1,800 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 204 11,517 SH   SOLE   11,517 0 0
SCHWAB CAP TR HEDGED EQT SEL 808509699 20 1,117 SH   OTR   1,117 0 0
SIEMENS A G SPONSORED ADR 826197501 596 9,300 SH   SOLE   9,300 0 0
SOUTHERN CO COM 842587107 452 10,363 SH   SOLE   10,363 0 0
STANLEY BLACK & DECKER INC COM 854502101 964 6,585 SH   SOLE   6,585 0 0
STANLEY BLACK & DECKER INC COM 854502101 148 1,014 SH   OTR   1,014 0 0
STARBUCKS CORP COM 855244109 217 3,825 SH   SOLE   3,825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 2,868 123,583 SH   SOLE   123,583 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 721 31,078 SH   OTR   30,000 0 1,078
SYSCO CORP COM 871829107 283 3,870 SH   SOLE   3,870 0 0
TARGET CORP COM 87612E102 311 3,528 SH   SOLE   3,528 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 201 825 SH   SOLE   825 0 0
3M CO COM 88579Y101 625 2,966 SH   SOLE   2,966 0 0
US BANCORP DEL COM NEW 902973304 279 5,275 SH   SOLE   5,275 0 0
UNION PAC CORP COM 907818108 264 1,620 SH   SOLE   1,620 0 0
UNITED PARCEL SERVICE INC CL B 911312106 242 2,075 SH   SOLE   2,075 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,710 12,228 SH   SOLE   12,228 0 0
UNITED TECHNOLOGIES CORP COM 913017109 252 1,799 SH   OTR   1,799 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,629 37,646 SH   SOLE   37,646 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 286 6,600 SH   OTR   6,600 0 0
VANGUARD N Y TAX FREE FD LONG TAXEX INV 92204H103 227 20,000 SH   SOLE   20,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,976 37,003 SH   SOLE   37,003 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 15 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 1,166 7,771 SH   SOLE   7,771 0 0
WALMART INC COM 931142103 423 4,500 SH   SOLE   4,500 0 0
WALMART INC COM 931142103 5 50 SH   OTR   50 0 0
WASTE MGMT INC DEL COM 94106L109 1,535 16,992 SH   SOLE   16,992 0 0
WASTE MGMT INC DEL COM 94106L109 226 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 843 16,047 SH   SOLE   16,047 0 0
WELLTOWER INC COM 95040Q104 199 3,090 SH   SOLE   3,090 0 0
WELLTOWER INC COM 95040Q104 16 250 SH   OTR   250 0 0
WEYERHAEUSER CO COM 962166104 283 8,778 SH   SOLE   8,778 0 0