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
MEDTRONIC PLC SHS G5960L103 308 3,415 SH   SOLE   3,415 0 0
MEDTRONIC PLC SHS G5960L103 16 175 SH   OTR   175 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 347 4,200 SH   SOLE   4,200 0 0
CHUBB LIMITED COM H1467J104 228 2,043 SH   SOLE   2,043 0 0
AT&T INC COM 00206R102 1,356 46,511 SH   SOLE   46,511 0 0
AT&T INC COM 00206R102 199 6,825 SH   OTR   6,412 0 413
ABBOTT LABS COM 002824100 628 7,958 SH   SOLE   7,958 0 0
ABBOTT LABS COM 002824100 12 150 SH   OTR   150 0 0
ABBVIE INC COM 00287Y109 714 9,365 SH   SOLE   9,365 0 0
ABBVIE INC COM 00287Y109 15 200 SH   OTR   200 0 0
ADOBE INC COM 00724F101 271 851 SH   SOLE   851 0 0
AIR PRODS & CHEMS INC COM 009158106 888 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL A 02079K305 246 212 SH   SOLE   212 0 0
ALTRIA GROUP INC COM 02209S103 230 5,950 SH   SOLE   5,950 0 0
ALTRIA GROUP INC COM 02209S103 21 550 SH   OTR   500 0 50
AMAZON COM INC COM 023135106 544 279 SH   SOLE   279 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,008 12,603 SH   SOLE   12,603 0 0
AMERICAN ELEC PWR CO INC COM 025537101 8 100 SH   OTR   100 0 0
APPLE INC COM 037833100 2,039 8,017 SH   SOLE   8,017 0 0
AUTODESK INC COM 052769106 937 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 484 3,540 SH   SOLE   3,540 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 14 100 SH   OTR   100 0 0
BP PLC SPONSORED ADR 055622104 198 8,100 SH   SOLE   8,100 0 0
BP PLC SPONSORED ADR 055622104 12 500 SH   OTR   500 0 0
BAXTER INTL INC COM 071813109 768 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 236 1,028 SH   SOLE   1,028 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 574 3,140 SH   SOLE   3,140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 23 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 563 8,800 SH   SOLE   8,800 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 521 9,350 SH   SOLE   9,350 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 6 100 SH   OTR   100 0 0
CSX CORP COM 126408103 2,211 38,582 SH   SOLE   38,582 0 0
CSX CORP COM 126408103 187 3,257 SH   OTR   188 0 3,069
CATERPILLAR INC DEL COM 149123101 447 3,852 SH   SOLE   3,852 0 0
CHEVRON CORP NEW COM 166764100 495 6,835 SH   SOLE   6,835 0 0
CHEVRON CORP NEW COM 166764100 7 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,303 33,137 SH   SOLE   33,137 0 0
CISCO SYS INC COM 17275R102 26 652 SH   OTR   652 0 0
COCA COLA CO COM 191216100 2,168 49,002 SH   SOLE   49,002 0 0
COCA COLA CO COM 191216100 119 2,690 SH   OTR   2,690 0 0
COLGATE PALMOLIVE CO COM 194162103 731 11,016 SH   SOLE   11,016 0 0
COLGATE PALMOLIVE CO COM 194162103 199 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 200 5,820 SH   SOLE   5,820 0 0
COMCAST CORP NEW CL A 20030N101 35 1,014 SH   OTR   0 0 1,014
CORTEVA INC COM 22052L104 242 10,278 SH   SOLE   10,278 0 0
CORTEVA INC COM 22052L104 0 21 SH   OTR   21 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 214 1,482 SH   SOLE   1,482 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 34 237 SH   OTR   237 0 0
DISNEY WALT CO COM DISNEY 254687106 1,803 18,665 SH   SOLE   18,665 0 0
DOLLAR GEN CORP NEW COM 256677105 227 1,500 SH   SOLE   1,500 0 0
DOMINION ENERGY INC COM 25746U109 474 6,560 SH   SOLE   6,560 0 0
DOMINION ENERGY INC COM 25746U109 4 62 SH   OTR   62 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 602 7,438 SH   SOLE   7,438 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 18 220 SH   OTR   220 0 0
DUPONT DE NEMOURS INC COM 26614N102 355 10,421 SH   SOLE   10,421 0 0
DUPONT DE NEMOURS INC COM 26614N102 1 21 SH   OTR   21 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,237 6,560 SH   SOLE   6,560 0 0
EMERSON ELEC CO COM 291011104 864 18,127 SH   SOLE   18,127 0 0
EMERSON ELEC CO COM 291011104 100 2,100 SH   OTR   2,100 0 0
EXXON MOBIL CORP COM 30231G102 1,564 41,192 SH   SOLE   41,192 0 0
EXXON MOBIL CORP COM 30231G102 239 6,285 SH   OTR   6,197 0 88
FEDERATED HERMES INC CL B 314211103 191 10,000 SH   SOLE   10,000 0 0
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,038 44,556 SH   SOLE   44,556 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 666 5,385 SH   SOLE   5,385 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 817 13,120 SH   SOLE   13,120 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 427 26,054 SH   SOLE   26,054 0 0
FISERV INC COM 337738108 1,970 20,743 SH   SOLE   20,743 0 0
GENERAL DYNAMICS CORP COM 369550108 694 5,242 SH   SOLE   5,242 0 0
GENERAL ELECTRIC CO COM 369604103 160 20,148 SH   SOLE   20,148 0 0
GENERAL ELECTRIC CO COM 369604103 21 2,625 SH   OTR   225 0 2,400
GENERAL MLS INC COM 370334104 434 8,222 SH   SOLE   8,222 0 0
HERSHEY CO COM 427866108 865 6,525 SH   SOLE   6,525 0 0
HOME DEPOT INC COM 437076102 1,667 8,929 SH   SOLE   8,929 0 0
HOME DEPOT INC COM 437076102 66 355 SH   OTR   255 0 100
HONEYWELL INTL INC COM 438516106 886 6,620 SH   SOLE   6,620 0 0
INTEL CORP COM 458140100 2,111 39,010 SH   SOLE   39,010 0 0
INTEL CORP COM 458140100 27 500 SH   OTR   500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 691 8,560 SH   SOLE   8,560 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 559 5,043 SH   SOLE   5,043 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 439 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 2,918 15,325 SH   SOLE   15,325 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,495 29,696 SH   SOLE   29,696 0 0
ISHARES INC EM MKTS DIV ETF 464286319 209 7,414 SH   SOLE   7,414 0 0
ISHARES TR S&P 100 ETF 464287101 466 3,929 SH   SOLE   3,929 0 0
ISHARES TR CORE S&P TTL STK 464287150 219 3,820 SH   SOLE   3,820 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,756 23,882 SH   SOLE   23,882 0 0
ISHARES TR SELECT DIVID ETF 464287168 305 4,150 SH   OTR   4,150 0 0
ISHARES TR TIPS BD ETF 464287176 271 2,296 SH   SOLE   2,296 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,910 11,261 SH   SOLE   11,261 0 0
ISHARES TR CORE S&P500 ETF 464287200 26 100 SH   OTR   100 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,294 115,231 SH   SOLE   115,231 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,010 8,755 SH   OTR   8,755 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,678 78,474 SH   SOLE   78,474 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 461 13,500 SH   OTR   13,500 0 0
ISHARES TR IBOXX INV CP ETF 464287242 248 2,010 SH   SOLE   2,010 0 0
ISHARES TR GLOBAL TECH ETF 464287291 244 1,339 SH   SOLE   1,339 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,092 6,619 SH   SOLE   6,619 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 538 4,427 SH   SOLE   4,427 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 748 8,635 SH   SOLE   8,635 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,889 91,449 SH   SOLE   91,449 0 0
ISHARES TR MSCI EAFE ETF 464287465 472 8,826 SH   OTR   8,826 0 0
ISHARES TR RUS MD CP GR ETF 464287481 937 7,710 SH   SOLE   7,710 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,295 30,005 SH   SOLE   30,005 0 0
ISHARES TR RUS MID CAP ETF 464287499 13 300 SH   OTR   300 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,173 22,054 SH   SOLE   22,054 0 0
ISHARES TR CORE S&P MCP ETF 464287507 935 6,500 SH   OTR   6,500 0 0
ISHARES TR NASDAQ BIOTECH 464287556 714 6,625 SH   SOLE   6,625 0 0
ISHARES TR NASDAQ BIOTECH 464287556 194 1,800 SH   OTR   1,800 0 0
ISHARES TR S&P MC 400GR ETF 464287606 291 1,632 SH   SOLE   1,632 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 794 5,270 SH   SOLE   5,270 0 0
ISHARES TR RUS 1000 ETF 464287622 392 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 206 1,300 SH   SOLE   1,300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 420 3,668 SH   SOLE   3,668 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 890 5,999 SH   SOLE   5,999 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 567 5,525 SH   SOLE   5,525 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,183 74,544 SH   SOLE   74,544 0 0
ISHARES TR CORE S&P SCP ETF 464287804 281 5,000 SH   OTR   5,000 0 0
ISHARES TR EUROPE ETF 464287861 472 13,350 SH   SOLE   13,350 0 0
ISHARES TR S&P SML 600 GWT 464287887 327 2,369 SH   SOLE   2,369 0 0
ISHARES TR INTL SEL DIV ETF 464288448 636 28,137 SH   SOLE   28,137 0 0
ISHARES TR SH TR CRPORT ETF 464288646 126 2,400 SH   SOLE   2,400 0 0
ISHARES TR SH TR CRPORT ETF 464288646 105 2,000 SH   OTR   2,000 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,531 56,480 SH   SOLE   56,480 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 877 6,574 SH   OTR   6,574 0 0
ISHARES TR PFD AND INCM SEC 464288687 473 14,845 SH   SOLE   14,845 0 0
ISHARES TR MICRO-CAP ETF 464288869 213 3,175 SH   SOLE   3,175 0 0
ISHARES TR US TREAS BD ETF 46429B267 1,034 36,907 SH   SOLE   36,907 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,230 17,190 SH   SOLE   17,190 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 25 350 SH   OTR   350 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 248 2,325 SH   SOLE   2,325 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 241 4,875 SH   SOLE   4,875 0 0
ISHARES TR CORE INTL AGGR 46435G672 273 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 912 10,131 SH   SOLE   10,131 0 0
JOHNSON & JOHNSON COM 478160104 4,730 36,069 SH   SOLE   36,069 0 0
JOHNSON & JOHNSON COM 478160104 471 3,590 SH   OTR   3,590 0 0
KIMBERLY CLARK CORP COM 494368103 278 2,175 SH   SOLE   2,175 0 0
LILLY ELI & CO COM 532457108 2,109 15,205 SH   SOLE   15,205 0 0
LOWES COS INC COM 548661107 462 5,364 SH   SOLE   5,364 0 0
MANULIFE FINL CORP COM 56501R106 127 10,118 SH   SOLE   10,118 0 0
MCDONALDS CORP COM 580135101 466 2,819 SH   SOLE   2,819 0 0
MERCK & CO. INC COM 58933Y105 360 4,678 SH   SOLE   4,678 0 0
MICROSOFT CORP COM 594918104 5,813 36,856 SH   SOLE   36,856 0 0
MICROSOFT CORP COM 594918104 862 5,465 SH   OTR   5,465 0 0
MONDELEZ INTL INC CL A 609207105 246 4,910 SH   SOLE   4,910 0 0
MONDELEZ INTL INC CL A 609207105 10 209 SH   OTR   175 0 34
NESTLE S A SPONSORED ADR 641069406 285 2,773 SH   SOLE   2,773 0 0
NEXTERA ENERGY INC COM 65339F101 690 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,529 10,474 SH   SOLE   10,474 0 0
NORFOLK SOUTHERN CORP COM 655844108 369 2,528 SH   OTR   905 0 1,623
NOVARTIS A G SPONSORED ADR 66987V109 315 3,826 SH   SOLE   3,826 0 0
PEPSICO INC COM 713448108 1,591 13,246 SH   SOLE   13,246 0 0
PEPSICO INC COM 713448108 41 340 SH   OTR   340 0 0
PFIZER INC COM 717081103 909 27,840 SH   SOLE   27,840 0 0
PFIZER INC COM 717081103 174 5,325 SH   OTR   5,325 0 0
PHILIP MORRIS INTL INC COM 718172109 253 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 4,922 44,745 SH   SOLE   44,745 0 0
PROCTER & GAMBLE CO COM 742718109 249 2,260 SH   OTR   2,260 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 594 6,635 SH   OTR   6,635 0 0
QUALCOMM INC COM 747525103 266 3,933 SH   SOLE   3,933 0 0
RGC RES INC COM 74955L103 1,524 52,678 SH   SOLE   52,678 0 0
RAYTHEON CO COM NEW 755111507 942 7,181 SH   SOLE   7,181 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 299 8,580 SH   SOLE   8,580 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 10 300 SH   OTR   300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,137 8,290 SH   SOLE   8,290 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 24 94 SH   OTR   94 0 0
SCHLUMBERGER LTD COM 806857108 174 12,907 SH   SOLE   12,907 0 0
SCHLUMBERGER LTD COM 806857108 3 200 SH   OTR   200 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 201 2,500 SH   SOLE   2,500 0 0
SOUTHERN CO COM 842587107 576 10,639 SH   SOLE   10,639 0 0
STANLEY BLACK & DECKER INC COM 854502101 517 5,174 SH   SOLE   5,174 0 0
STANLEY BLACK & DECKER INC COM 854502101 27 271 SH   OTR   271 0 0
STARBUCKS CORP COM 855244109 307 4,665 SH   SOLE   4,665 0 0
SUMMIT FINL GROUP INC COM 86606G101 4,631 218,337 SH   SOLE   218,337 0 0
SUMMIT FINL GROUP INC COM 86606G101 543 25,578 SH   OTR   24,500 0 1,078
TARGET CORP COM 87612E106 277 2,980 SH   SOLE   2,980 0 0
TEXAS INSTRS INC COM 882508104 207 2,067 SH   SOLE   2,067 0 0
3M CO COM 88579Y101 244 1,786 SH   SOLE   1,786 0 0
US BANCORP DEL COM NEW 902973304 202 5,877 SH   SOLE   5,877 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,184 12,553 SH   SOLE   12,553 0 0
UNITED TECHNOLOGIES CORP COM 913017109 170 1,799 SH   OTR   1,799 0 0
UNITEDHEALTH GROUP INC COM 91324P102 169 677 SH   SOLE   677 0 0
UNITEDHEALTH GROUP INC COM 91324P102 50 200 SH   OTR   0 0 200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,959 118,732 SH   SOLE   118,732 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 327 9,797 SH   OTR   9,797 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,328 56,748 SH   SOLE   56,748 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 229 5,586 SH   OTR   5,586 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,612 77,846 SH   SOLE   77,846 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 184 5,479 SH   OTR   5,479 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,649 30,696 SH   SOLE   30,696 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 15 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 558 3,463 SH   SOLE   3,463 0 0
WALMART INC COM 931142103 398 3,500 SH   SOLE   3,500 0 0
WALMART INC COM 931142103 6 50 SH   OTR   50 0 0
WASTE MGMT INC DEL COM 94106L109 1,306 14,110 SH   SOLE   14,110 0 0
WASTE MGMT INC DEL COM 94106L109 231 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 335 11,676 SH   SOLE   11,676 0 0
WELLTOWER INC COM 95040Q104 365 7,978 SH   SOLE   7,978 0 0