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 261 1,482 SH   SOLE   1,482 0 0
INGERSOLL-RAND PLC SHS G47791101 459 4,251 SH   SOLE   4,251 0 0
MEDTRONIC PLC SHS G5960L103 311 3,415 SH   SOLE   3,415 0 0
MEDTRONIC PLC SHS G5960L103 18 200 SH   OTR   200 0 0
CHUBB LIMITED COM H1467J104 303 2,163 SH   SOLE   2,163 0 0
AT&T INC COM 00206R102 1,688 53,823 SH   SOLE   53,823 0 0
AT&T INC COM 00206R102 214 6,825 SH   OTR   6,412 0 413
ABBOTT LABS COM 002824100 583 7,295 SH   SOLE   7,295 0 0
ABBOTT LABS COM 002824100 28 350 SH   OTR   350 0 0
ABBVIE INC COM 00287Y109 923 11,455 SH   SOLE   11,455 0 0
ABBVIE INC COM 00287Y109 16 200 SH   OTR   200 0 0
ADOBE INC COM 00724F101 265 994 SH   SOLE   994 0 0
AIR PRODS & CHEMS INC COM 009158106 850 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL C 02079K107 827 705 SH   SOLE   705 0 0
ALPHABET INC CAP STK CL C 02079K107 41 35 SH   OTR   35 0 0
ALPHABET INC CAP STK CL A 02079K305 1,098 933 SH   SOLE   933 0 0
ALPHABET INC CAP STK CL A 02079K305 41 35 SH   OTR   35 0 0
ALTRIA GROUP INC COM 02209S103 261 4,550 SH   SOLE   4,550 0 0
ALTRIA GROUP INC COM 02209S103 32 550 SH   OTR   500 0 50
AMAZON COM INC COM 023135106 568 319 SH   SOLE   319 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,144 13,655 SH   SOLE   13,655 0 0
AMERICAN ELEC PWR CO INC COM 025537101 8 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 210 1,105 SH   SOLE   1,105 0 0
AMGEN INC COM 031162100 19 100 SH   OTR   100 0 0
APPLE INC COM 037833100 2,080 10,951 SH   SOLE   10,951 0 0
APPLE INC COM 037833100 46 240 SH   OTR   240 0 0
AUTODESK INC COM 052769106 935 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 797 4,990 SH   SOLE   4,990 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 16 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 562 12,850 SH   SOLE   12,850 0 0
BP PLC SPONSORED ADR 055622104 22 500 SH   OTR   500 0 0
BANK AMER CORP COM 060505104 167 6,035 SH   SOLE   6,035 0 0
BANK AMER CORP COM 060505104 82 2,959 SH   OTR   2,859 0 100
BAXTER INTL INC COM 071813109 915 11,250 SH   SOLE   11,250 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 602 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,123 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 652 8,800 SH   SOLE   8,800 0 0
BLACKROCK INC COM 09247X101 375 878 SH   SOLE   878 0 0
BOEING CO COM 097023105 850 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 1,013 21,242 SH   SOLE   21,242 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 5 100 SH   OTR   100 0 0
CME GROUP INC COM CL A 12572Q105 337 2,050 SH   SOLE   2,050 0 0
CSX CORP COM 126408103 3,110 41,567 SH   SOLE   41,567 0 0
CSX CORP COM 126408103 244 3,257 SH   OTR   188 0 3,069
CAPITAL ONE FINL CORP COM 14040H105 250 3,065 SH   SOLE   3,065 0 0
CATERPILLAR INC DEL COM 149123101 472 3,483 SH   SOLE   3,483 0 0
CHEVRON CORP NEW COM 166764100 1,227 9,963 SH   SOLE   9,963 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 2,005 37,132 SH   SOLE   37,132 0 0
CISCO SYS INC COM 17275R102 51 952 SH   OTR   952 0 0
COCA COLA CO COM 191216100 2,587 55,210 SH   SOLE   55,210 0 0
COCA COLA CO COM 191216100 127 2,700 SH   OTR   2,700 0 0
COLGATE PALMOLIVE CO COM 194162103 837 12,214 SH   SOLE   12,214 0 0
COLGATE PALMOLIVE CO COM 194162103 206 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 251 6,272 SH   SOLE   6,272 0 0
COMCAST CORP NEW CL A 20030N101 41 1,014 SH   OTR   0 0 1,014
CONOCOPHILLIPS COM 20825C104 397 5,941 SH   SOLE   5,941 0 0
CONSOLIDATED EDISON INC COM 209115104 458 5,400 SH   SOLE   5,400 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 220 1,719 SH   SOLE   1,719 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 30 237 SH   OTR   237 0 0
DARDEN RESTAURANTS INC COM 237194105 237 1,953 SH   SOLE   1,953 0 0
DISNEY WALT CO COM DISNEY 254687106 2,287 20,595 SH   SOLE   20,595 0 0
DOMINION ENERGY INC COM 25746U109 662 8,640 SH   SOLE   8,640 0 0
DOMINION ENERGY INC COM 25746U109 5 62 SH   OTR   62 0 0
DOWDUPONT INC COM 26078J100 2,399 45,005 SH   SOLE   45,005 0 0
DOWDUPONT INC COM 26078J100 10 192 SH   OTR   192 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 882 9,799 SH   SOLE   9,799 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 20 220 SH   OTR   220 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,255 6,560 SH   SOLE   6,560 0 0
EMERSON ELEC CO COM 291011104 1,214 17,733 SH   SOLE   17,733 0 0
EMERSON ELEC CO COM 291011104 144 2,100 SH   OTR   2,100 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 297 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 3,999 49,498 SH   SOLE   49,498 0 0
EXXON MOBIL CORP COM 30231G102 546 6,762 SH   OTR   6,674 0 88
FEDERATED INVS INC PA CL B 314211103 293 10,000 SH   SOLE   10,000 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 3,550 107,115 SH   SOLE   107,115 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 1,266 9,115 SH   SOLE   9,115 0 0
FISERV INC COM 337738108 1,728 19,578 SH   SOLE   19,578 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 894 23,639 SH   SOLE   23,639 0 0
FLEMING CAP MUT FD GROUP JP MORGAN MID L 339128100 5 138 SH   OTR   138 0 0
GENERAL DYNAMICS CORP COM 369550108 917 5,420 SH   SOLE   5,420 0 0
GENERAL ELECTRIC CO COM 369604103 235 23,560 SH   SOLE   23,560 0 0
GENERAL ELECTRIC CO COM 369604103 26 2,625 SH   OTR   225 0 2,400
GENERAL MLS INC COM 370334104 453 8,750 SH   SOLE   8,750 0 0
HERSHEY CO COM 427866108 749 6,525 SH   SOLE   6,525 0 0
HOME DEPOT INC COM 437076102 1,760 9,170 SH   SOLE   9,170 0 0
HOME DEPOT INC COM 437076102 68 355 SH   OTR   255 0 100
HONEYWELL INTL INC COM 438516106 1,176 7,400 SH   SOLE   7,400 0 0
INTEL CORP COM 458140100 2,313 43,078 SH   SOLE   43,078 0 0
INTEL CORP COM 458140100 27 500 SH   OTR   500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 992 13,035 SH   SOLE   13,035 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 976 6,915 SH   SOLE   6,915 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 559 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 3,187 17,738 SH   SOLE   17,738 0 0
ISHARES TR GLOBAL TECH ETF 464287291 272 1,589 SH   SOLE   1,589 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,006 8,995 SH   SOLE   8,995 0 0
ISHARES TR NASDAQ BIOTECH 464287556 201 1,800 SH   OTR   1,800 0 0
JPMORGAN CHASE & CO COM 46625H100 1,029 10,169 SH   SOLE   10,169 0 0
JOHNSON & JOHNSON COM 478160104 7,227 51,700 SH   SOLE   51,700 0 0
JOHNSON & JOHNSON COM 478160104 502 3,590 SH   OTR   3,590 0 0
KIMBERLY CLARK CORP COM 494368103 477 3,850 SH   SOLE   3,850 0 0
L3 TECHNOLOGIES INC COM 502413107 227 1,100 SH   SOLE   1,100 0 0
LILLY ELI & CO COM 532457108 2,314 17,830 SH   SOLE   17,830 0 0
LOWES COS INC COM 548661107 499 4,557 SH   SOLE   4,557 0 0
MASTERCARD INC CL A 57636Q104 1,238 5,260 SH   SOLE   5,260 0 0
MASTERCARD INC CL A 57636Q104 82 350 SH   OTR   350 0 0
MCDONALDS CORP COM 580135101 546 2,873 SH   SOLE   2,873 0 0
MERCK & CO INC COM 58933Y105 365 4,383 SH   SOLE   4,383 0 0
MICROSOFT CORP COM 594918104 4,848 41,103 SH   SOLE   41,103 0 0
MICROSOFT CORP COM 594918104 705 5,975 SH   OTR   5,975 0 0
MONDELEZ INTL INC CL A 609207105 258 5,160 SH   SOLE   5,160 0 0
MONDELEZ INTL INC CL A 609207105 12 234 SH   OTR   200 0 34
NATIONAL BANKSHARES INC VA COM 634865109 582 13,582 SH   SOLE   13,582 0 0
NESTLE S A SPONSORED ADR 641069406 370 3,887 SH   SOLE   3,887 0 0
NETFLIX INC COM 64110L106 314 880 SH   SOLE   880 0 0
NEXTERA ENERGY INC COM 65339F101 554 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,155 16,881 SH   SOLE   16,881 0 0
NORFOLK SOUTHERN CORP COM 655844108 491 2,628 SH   OTR   1,005 0 1,623
NOVARTIS A G SPONSORED ADR 66987V109 426 4,426 SH   SOLE   4,426 0 0
ORACLE CORP COM 68389X105 299 5,570 SH   SOLE   5,570 0 0
PEPSICO INC COM 713448108 1,969 16,067 SH   SOLE   16,067 0 0
PEPSICO INC COM 713448108 43 350 SH   OTR   350 0 0
PFIZER INC COM 717081103 1,653 38,922 SH   SOLE   38,922 0 0
PFIZER INC COM 717081103 227 5,350 SH   OTR   5,350 0 0
PHILIP MORRIS INTL INC COM 718172109 335 3,795 SH   SOLE   3,795 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH   OTR   0 0 50
PROCTER AND GAMBLE CO COM 742718109 5,355 51,462 SH   SOLE   51,462 0 0
PROCTER AND GAMBLE CO COM 742718109 236 2,270 SH   OTR   2,270 0 0
RGC RES INC COM 74955L103 1,661 62,640 SH   SOLE   62,640 0 0
RAYTHEON CO COM NEW 755111507 1,326 7,281 SH   SOLE   7,281 0 0
REALTY INCOME CORP COM 756109104 125 1,700 SH   SOLE   1,700 0 0
REALTY INCOME CORP COM 756109104 110 1,500 SH   OTR   1,500 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 612 9,774 SH   SOLE   9,774 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 19 300 SH   OTR   300 0 0
SALESFORCE COM INC COM 79466L302 587 3,708 SH   SOLE   3,708 0 0
SCHLUMBERGER LTD COM 806857108 599 13,750 SH   SOLE   13,750 0 0
SCHLUMBERGER LTD COM 806857108 78 1,800 SH   OTR   1,800 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 204 2,750 SH   SOLE   2,750 0 0
SOUTHERN CO COM 842587107 536 10,363 SH   SOLE   10,363 0 0
STANLEY BLACK & DECKER INC COM 854502101 773 5,679 SH   SOLE   5,679 0 0
STANLEY BLACK & DECKER INC COM 854502101 41 304 SH   OTR   304 0 0
STARBUCKS CORP COM 855244109 284 3,825 SH   SOLE   3,825 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 3,234 121,987 SH   SOLE   121,987 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 678 25,578 SH   OTR   24,500 0 1,078
TARGET CORP COM 87612E106 283 3,528 SH   SOLE   3,528 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 226 825 SH   SOLE   825 0 0
3M CO COM 88579Y101 582 2,801 SH   SOLE   2,801 0 0
US BANCORP DEL COM NEW 902973304 254 5,275 SH   SOLE   5,275 0 0
UNION PACIFIC CORP COM 907818108 271 1,620 SH   SOLE   1,620 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,586 12,303 SH   SOLE   12,303 0 0
UNITED TECHNOLOGIES CORP COM 913017109 232 1,799 SH   OTR   1,799 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,099 35,498 SH   SOLE   35,498 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 17 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 1,214 7,771 SH   SOLE   7,771 0 0
VISA INC COM CL A 92826C839 17 108 SH   OTR   108 0 0
WALMART INC COM 931142103 439 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 1,766 16,992 SH   SOLE   16,992 0 0
WASTE MGMT INC DEL COM 94106L109 260 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 771 15,947 SH   SOLE   15,947 0 0
WELLTOWER INC COM 95040Q104 806 10,391 SH   SOLE   10,391 0 0
WELLTOWER INC COM 95040Q104 19 250 SH   OTR   250 0 0