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
INGERSOLL-RAND PLC SHS G47791101 558 4,200 SH   SOLE   4,200 0 0
MEDTRONIC PLC SHS G5960L103 387 3,415 SH   SOLE   3,415 0 0
MEDTRONIC PLC SHS G5960L103 20 175 SH   OTR   175 0 0
CHUBB LIMITED COM H1467J104 318 2,043 SH   SOLE   2,043 0 0
AT&T INC COM 00206R102 1,818 46,511 SH   SOLE   46,511 0 0
AT&T INC COM 00206R102 267 6,825 SH   OTR   6,412 0 413
ABBOTT LABS COM 002824100 655 7,538 SH   SOLE   7,538 0 0
ABBOTT LABS COM 002824100 30 350 SH   OTR   350 0 0
ABBVIE INC COM 00287Y109 833 9,405 SH   SOLE   9,405 0 0
ABBVIE INC COM 00287Y109 18 200 SH   OTR   200 0 0
ADOBE INC COM 00724F101 297 901 SH   SOLE   901 0 0
AIR PRODS & CHEMS INC COM 009158106 1,046 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL A 02079K305 284 212 SH   SOLE   212 0 0
ALTRIA GROUP INC COM 02209S103 297 5,950 SH   SOLE   5,950 0 0
ALTRIA GROUP INC COM 02209S103 27 550 SH   OTR   500 0 50
AMAZON COM INC COM 023135106 516 279 SH   SOLE   279 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,191 12,603 SH   SOLE   12,603 0 0
AMERICAN ELEC PWR CO INC COM 025537101 9 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 201 833 SH   SOLE   833 0 0
AMGEN INC COM 031162100 24 100 SH   OTR   100 0 0
ANTHEM INC COM 036752103 236 783 SH   SOLE   783 0 0
APPLE INC COM 037833100 2,231 7,597 SH   SOLE   7,597 0 0
AUTODESK INC COM 052769106 1,101 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 612 3,590 SH   SOLE   3,590 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 17 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 302 8,000 SH   SOLE   8,000 0 0
BP PLC SPONSORED ADR 055622104 19 500 SH   OTR   500 0 0
BANK AMER CORP COM 060505104 188 5,335 SH   SOLE   5,335 0 0
BANK AMER CORP COM 060505104 104 2,959 SH   OTR   2,859 0 100
BAXTER INTL INC COM 071813109 791 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 280 1,028 SH   SOLE   1,028 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 711 3,140 SH   SOLE   3,140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 28 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 691 8,800 SH   SOLE   8,800 0 0
BOEING CO COM 097023105 377 1,158 SH   SOLE   1,158 0 0
BOEING CO COM 097023105 16 50 SH   OTR   0 0 50
BRISTOL MYERS SQUIBB CO COM 110122108 613 9,550 SH   SOLE   9,550 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 6 100 SH   OTR   100 0 0
CSX CORP COM 126408103 2,792 38,582 SH   SOLE   38,582 0 0
CSX CORP COM 126408103 236 3,257 SH   OTR   188 0 3,069
CAPITAL ONE FINL CORP COM 14040H105 315 3,065 SH   SOLE   3,065 0 0
CATERPILLAR INC DEL COM 149123101 574 3,887 SH   SOLE   3,887 0 0
CHEVRON CORP NEW COM 166764100 827 6,860 SH   SOLE   6,860 0 0
CHEVRON CORP NEW COM 166764100 12 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,593 33,217 SH   SOLE   33,217 0 0
CISCO SYS INC COM 17275R102 31 652 SH   OTR   652 0 0
COCA COLA CO COM 191216100 2,712 49,000 SH   SOLE   49,000 0 0
COCA COLA CO COM 191216100 149 2,690 SH   OTR   2,690 0 0
COLGATE PALMOLIVE CO COM 194162103 762 11,062 SH   SOLE   11,062 0 0
COLGATE PALMOLIVE CO COM 194162103 207 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 265 5,898 SH   SOLE   5,898 0 0
COMCAST CORP NEW CL A 20030N101 46 1,014 SH   OTR   0 0 1,014
CONOCOPHILLIPS COM 20825C104 273 4,191 SH   SOLE   4,191 0 0
CORTEVA INC COM 22052L104 341 11,550 SH   SOLE   11,550 0 0
CORTEVA INC COM 22052L104 1 21 SH   OTR   21 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 211 1,482 SH   SOLE   1,482 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 34 237 SH   OTR   237 0 0
DARDEN RESTAURANTS INC COM 237194105 331 3,040 SH   SOLE   3,040 0 0
DISNEY WALT CO COM DISNEY 254687106 2,700 18,665 SH   SOLE   18,665 0 0
DOLLAR GEN CORP NEW COM 256677105 234 1,500 SH   SOLE   1,500 0 0
DOMINION ENERGY INC COM 25746U109 546 6,595 SH   SOLE   6,595 0 0
DOMINION ENERGY INC COM 25746U109 5 62 SH   OTR   62 0 0
DOW INC COM 260557103 300 5,477 SH   SOLE   5,477 0 0
DOW INC COM 260557103 1 21 SH   OTR   21 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 688 7,547 SH   SOLE   7,547 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 20 220 SH   OTR   220 0 0
DUPONT DE NEMOURS INC COM 26614N102 743 11,566 SH   SOLE   11,566 0 0
DUPONT DE NEMOURS INC COM 26614N102 1 21 SH   OTR   21 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,530 6,560 SH   SOLE   6,560 0 0
EMERSON ELEC CO COM 291011104 1,382 18,127 SH   SOLE   18,127 0 0
EMERSON ELEC CO COM 291011104 160 2,100 SH   OTR   2,100 0 0
EXXON MOBIL CORP COM 30231G102 2,862 41,011 SH   SOLE   41,011 0 0
EXXON MOBIL CORP COM 30231G102 439 6,285 SH   OTR   6,197 0 88
FEDERATED INVS INC PA CL B 314211103 326 10,000 SH   SOLE   10,000 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,292 41,664 SH   SOLE   41,664 0 0
FIRST TR EXCHANGE TRADED FD DJ INTERNT IDX 33733E302 714 5,135 SH   SOLE   5,135 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 968 13,120 SH   SOLE   13,120 0 0
FIRST TR EXCHANGE-TRADED FD PFD SECS INC ETF 33739E108 523 26,054 SH   SOLE   26,054 0 0
FISERV INC COM 337738108 2,399 20,743 SH   SOLE   20,743 0 0
GENERAL DYNAMICS CORP COM 369550108 929 5,268 SH   SOLE   5,268 0 0
GENERAL ELECTRIC CO COM 369604103 227 20,360 SH   SOLE   20,360 0 0
GENERAL ELECTRIC CO COM 369604103 29 2,625 SH   OTR   225 0 2,400
GENERAL MLS INC COM 370334104 447 8,350 SH   SOLE   8,350 0 0
HERSHEY CO COM 427866108 959 6,525 SH   SOLE   6,525 0 0
HOME DEPOT INC COM 437076102 1,959 8,971 SH   SOLE   8,971 0 0
HOME DEPOT INC COM 437076102 78 355 SH   OTR   255 0 100
HONEYWELL INTL INC COM 438516106 1,183 6,685 SH   SOLE   6,685 0 0
INTEL CORP COM 458140100 2,288 38,230 SH   SOLE   38,230 0 0
INTEL CORP COM 458140100 30 500 SH   OTR   500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 792 8,560 SH   SOLE   8,560 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 669 4,993 SH   SOLE   4,993 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 531 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 3,250 15,288 SH   SOLE   15,288 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,392 29,313 SH   SOLE   29,313 0 0
ISHARES INC EM MKTS DIV ETF 464286319 301 7,414 SH   SOLE   7,414 0 0
ISHARES TR S&P 100 ETF 464287101 620 4,304 SH   SOLE   4,304 0 0
ISHARES TR CORE S&P TTL STK 464287150 278 3,820 SH   SOLE   3,820 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,426 22,957 SH   SOLE   22,957 0 0
ISHARES TR SELECT DIVID ETF 464287168 438 4,150 SH   OTR   4,150 0 0
ISHARES TR TIPS BD ETF 464287176 268 2,296 SH   SOLE   2,296 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,659 11,321 SH   SOLE   11,321 0 0
ISHARES TR CORE S&P500 ETF 464287200 32 100 SH   OTR   100 0 0
ISHARES TR CORE US AGGBD ET 464287226 12,954 115,276 SH   SOLE   115,276 0 0
ISHARES TR CORE US AGGBD ET 464287226 984 8,755 SH   OTR   8,755 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,524 78,534 SH   SOLE   78,534 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 606 13,500 SH   OTR   13,500 0 0
ISHARES TR IBOXX INV CP ETF 464287242 273 2,135 SH   SOLE   2,135 0 0
ISHARES TR GLOBAL TECH ETF 464287291 282 1,339 SH   SOLE   1,339 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,296 6,694 SH   SOLE   6,694 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 212 3,084 SH   SOLE   3,084 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 488 4,427 SH   SOLE   4,427 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 594 7,015 SH   SOLE   7,015 0 0
ISHARES TR MSCI EAFE ETF 464287465 6,417 92,404 SH   SOLE   92,404 0 0
ISHARES TR MSCI EAFE ETF 464287465 613 8,826 SH   OTR   8,826 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,176 7,710 SH   SOLE   7,710 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,789 30,005 SH   SOLE   30,005 0 0
ISHARES TR RUS MID CAP ETF 464287499 18 300 SH   OTR   300 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,524 21,981 SH   SOLE   21,981 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,404 6,823 SH   OTR   6,823 0 0
ISHARES TR NASDAQ BIOTECH 464287556 798 6,625 SH   SOLE   6,625 0 0
ISHARES TR NASDAQ BIOTECH 464287556 217 1,800 SH   OTR   1,800 0 0
ISHARES TR GLOBAL 100 ETF 464287572 213 3,940 SH   SOLE   3,940 0 0
ISHARES TR GLOBAL 100 ETF 464287572 11 200 SH   OTR   200 0 0
ISHARES TR S&P MC 400GR ETF 464287606 391 1,644 SH   SOLE   1,644 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 927 5,270 SH   SOLE   5,270 0 0
ISHARES TR RUS 1000 ETF 464287622 495 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 278 1,300 SH   SOLE   1,300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 608 3,668 SH   SOLE   3,668 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,131 5,999 SH   SOLE   5,999 0 0
ISHARES TR U.S. REAL ES ETF 464287739 233 2,500 SH   SOLE   2,500 0 0
ISHARES TR U.S. REAL ES ETF 464287739 23 250 SH   OTR   250 0 0
ISHARES TR US INDUSTRIALS 464287754 17 100 SH   SOLE   100 0 0
ISHARES TR US INDUSTRIALS 464287754 251 1,500 SH   OTR   1,500 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 839 5,525 SH   SOLE   5,525 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,142 73,248 SH   SOLE   73,248 0 0
ISHARES TR CORE S&P SCP ETF 464287804 534 6,371 SH   OTR   6,371 0 0
ISHARES TR EUROPE ETF 464287861 627 13,350 SH   SOLE   13,350 0 0
ISHARES TR S&P SML 600 GWT 464287887 457 2,363 SH   SOLE   2,363 0 0
ISHARES TR INTL SEL DIV ETF 464288448 901 26,847 SH   SOLE   26,847 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,025 55,865 SH   SOLE   55,865 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 955 7,596 SH   OTR   7,596 0 0
ISHARES TR U.S. MED DVC ETF 464288810 225 850 SH   SOLE   850 0 0
ISHARES TR MICRO-CAP ETF 464288869 316 3,175 SH   SOLE   3,175 0 0
ISHARES TR US TREAS BD ETF 46429B267 957 36,907 SH   SOLE   36,907 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,636 16,680 SH   SOLE   16,680 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 34 350 SH   OTR   350 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 292 2,325 SH   SOLE   2,325 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 289 4,875 SH   SOLE   4,875 0 0
ISHARES TR CORE INTL AGGR 46435G672 411 7,500 SH   SOLE   7,500 0 0
JPMORGAN CHASE & CO COM 46625H100 1,415 10,151 SH   SOLE   10,151 0 0
JOHNSON & JOHNSON COM 478160104 5,269 36,120 SH   SOLE   36,120 0 0
JOHNSON & JOHNSON COM 478160104 524 3,590 SH   OTR   3,590 0 0
KIMBERLY CLARK CORP COM 494368103 299 2,175 SH   SOLE   2,175 0 0
LILLY ELI & CO COM 532457108 1,998 15,205 SH   SOLE   15,205 0 0
LOWES COS INC COM 548661107 642 5,364 SH   SOLE   5,364 0 0
MANULIFE FINL CORP COM 56501R106 257 12,674 SH   SOLE   12,674 0 0
MASTERCARD INC CL A 57636Q104 216 723 SH   SOLE   723 0 0
MCDONALDS CORP COM 580135101 557 2,819 SH   SOLE   2,819 0 0
MERCK & CO INC COM 58933Y105 335 3,678 SH   SOLE   3,678 0 0
MICROSOFT CORP COM 594918104 5,842 37,042 SH   SOLE   37,042 0 0
MICROSOFT CORP COM 594918104 878 5,565 SH   OTR   5,565 0 0
MONDELEZ INTL INC CL A 609207105 270 4,910 SH   SOLE   4,910 0 0
MONDELEZ INTL INC CL A 609207105 12 209 SH   OTR   175 0 34
NESTLE S A SPONSORED ADR 641069406 307 2,837 SH   SOLE   2,837 0 0
NEXTERA ENERGY INC COM 65339F101 694 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 2,067 10,649 SH   SOLE   10,649 0 0
NORFOLK SOUTHERN CORP COM 655844108 491 2,528 SH   OTR   905 0 1,623
NOVARTIS A G SPONSORED ADR 66987V109 362 3,826 SH   SOLE   3,826 0 0
ORACLE CORP COM 68389X105 213 4,025 SH   SOLE   4,025 0 0
PEPSICO INC COM 713448108 1,814 13,271 SH   SOLE   13,271 0 0
PEPSICO INC COM 713448108 46 340 SH   OTR   340 0 0
PFIZER INC COM 717081103 1,092 27,882 SH   SOLE   27,882 0 0
PFIZER INC COM 717081103 209 5,325 SH   OTR   5,325 0 0
PHILIP MORRIS INTL INC COM 718172109 295 3,470 SH   SOLE   3,470 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH   OTR   0 0 50
PROCTER & GAMBLE CO COM 742718109 5,595 44,795 SH   SOLE   44,795 0 0
PROCTER & GAMBLE CO COM 742718109 282 2,260 SH   OTR   2,260 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 809 6,635 SH   OTR   6,635 0 0
QUALCOMM INC COM 747525103 354 4,013 SH   SOLE   4,013 0 0
RGC RES INC COM 74955L103 1,533 53,640 SH   SOLE   53,640 0 0
RAYTHEON CO COM NEW 755111507 1,578 7,181 SH   SOLE   7,181 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 507 8,590 SH   SOLE   8,590 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 18 300 SH   OTR   300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,588 8,040 SH   SOLE   8,040 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 30 94 SH   OTR   94 0 0
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 233 4,205 SH   SOLE   4,205 0 0
SCHLUMBERGER LTD COM 806857108 512 12,727 SH   SOLE   12,727 0 0
SCHLUMBERGER LTD COM 806857108 8 200 SH   OTR   200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 229 2,500 SH   SOLE   2,500 0 0
SOUTHERN CO COM 842587107 678 10,639 SH   SOLE   10,639 0 0
STANLEY BLACK & DECKER INC COM 854502101 858 5,174 SH   SOLE   5,174 0 0
STANLEY BLACK & DECKER INC COM 854502101 45 271 SH   OTR   271 0 0
STARBUCKS CORP COM 855244109 410 4,665 SH   SOLE   4,665 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 5,930 218,891 SH   SOLE   218,891 0 0
SUMMIT FINANCIAL GROUP INC COM 86606G101 693 25,578 SH   OTR   24,500 0 1,078
SYSCO CORP COM 871829107 338 3,951 SH   SOLE   3,951 0 0
TARGET CORP COM 87612E106 382 2,980 SH   SOLE   2,980 0 0
TEXAS INSTRS INC COM 882508104 265 2,067 SH   SOLE   2,067 0 0
3M CO COM 88579Y101 315 1,786 SH   SOLE   1,786 0 0
US BANCORP DEL COM NEW 902973304 353 5,957 SH   SOLE   5,957 0 0
UNION PACIFIC CORP COM 907818108 249 1,380 SH   SOLE   1,380 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,880 12,553 SH   SOLE   12,553 0 0
UNITED TECHNOLOGIES CORP COM 913017109 269 1,799 SH   OTR   1,799 0 0
UNITEDHEALTH GROUP INC COM 91324P102 170 577 SH   SOLE   577 0 0
UNITEDHEALTH GROUP INC COM 91324P102 88 300 SH   OTR   100 0 200
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,526 125,412 SH   SOLE   125,412 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 475 10,790 SH   OTR   10,790 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,039 56,545 SH   SOLE   56,545 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 364 6,769 SH   OTR   6,769 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,365 75,673 SH   SOLE   75,673 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 334 7,502 SH   OTR   7,502 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,891 30,796 SH   SOLE   30,796 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 18 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 651 3,463 SH   SOLE   3,463 0 0
WALMART INC COM 931142103 392 3,300 SH   SOLE   3,300 0 0
WALMART INC COM 931142103 6 50 SH   OTR   50 0 0
WASTE MGMT INC DEL COM 94106L109 1,608 14,110 SH   SOLE   14,110 0 0
WASTE MGMT INC DEL COM 94106L109 285 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 647 12,018 SH   SOLE   12,018 0 0
WELLTOWER INC COM 95040Q104 681 8,328 SH   SOLE   8,328 0 0