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 313 3,415 SH   SOLE   3,415 0 0
MEDTRONIC PLC SHS G5960L103 16 175 SH   OTR   175 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 374 4,200 SH   SOLE   4,200 0 0
CHUBB LIMITED COM H1467J104 259 2,043 SH   SOLE   2,043 0 0
ALPS ETF TR MED BREAKTHGH 00162Q593 347 8,300 SH   SOLE   8,300 0 0
AT&T INC COM 00206R102 1,421 47,005 SH   SOLE   47,005 0 0
AT&T INC COM 00206R102 187 6,178 SH   OTR   5,765 0 413
ABBOTT LABS COM 002824100 728 7,958 SH   SOLE   7,958 0 0
ABBOTT LABS COM 002824100 14 150 SH   OTR   150 0 0
ABBVIE INC COM 00287Y109 919 9,365 SH   SOLE   9,365 0 0
ABBVIE INC COM 00287Y109 20 200 SH   OTR   200 0 0
ADOBE INC COM 00724F101 370 851 SH   SOLE   851 0 0
AIR PRODS & CHEMS INC COM 009158106 1,074 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL A 02079K305 301 212 SH   SOLE   212 0 0
ALTRIA GROUP INC COM 02209S103 214 5,450 SH   SOLE   5,450 0 0
ALTRIA GROUP INC COM 02209S103 2 50 SH   OTR   0 0 50
AMAZON COM INC COM 023135106 825 299 SH   SOLE   299 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,004 12,603 SH   SOLE   12,603 0 0
AMERICAN ELEC PWR CO INC COM 025537101 8 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 206 873 SH   SOLE   873 0 0
AMGEN INC COM 031162100 24 100 SH   OTR   100 0 0
ANTHEM INC COM 036752103 202 770 SH   SOLE   770 0 0
APPLE INC COM 037833100 2,771 7,597 SH   SOLE   7,597 0 0
AUTODESK INC COM 052769106 1,435 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 527 3,540 SH   SOLE   3,540 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 15 100 SH   OTR   100 0 0
BAXTER INTL INC COM 071813109 814 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 245 1,026 SH   SOLE   1,026 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 561 3,140 SH   SOLE   3,140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 22 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 453 8,000 SH   SOLE   8,000 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 491 8,350 SH   SOLE   8,350 0 0
CSX CORP COM 126408103 2,685 38,507 SH   SOLE   38,507 0 0
CSX CORP COM 126408103 227 3,257 SH   OTR   188 0 3,069
CARRIER GLOBAL CORPORATION COM 14448C104 181 8,138 SH   SOLE   8,138 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 37 1,646 SH   OTR   1,646 0 0
CATERPILLAR INC DEL COM 149123101 487 3,852 SH   SOLE   3,852 0 0
CHEVRON CORP NEW COM 166764100 647 7,250 SH   SOLE   7,250 0 0
CHEVRON CORP NEW COM 166764100 9 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,572 33,696 SH   SOLE   33,696 0 0
CISCO SYS INC COM 17275R102 14 300 SH   OTR   300 0 0
COCA COLA CO COM 191216100 2,294 51,342 SH   SOLE   51,342 0 0
COCA COLA CO COM 191216100 120 2,690 SH   OTR   2,690 0 0
COLGATE PALMOLIVE CO COM 194162103 774 10,566 SH   SOLE   10,566 0 0
COLGATE PALMOLIVE CO COM 194162103 220 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 219 5,630 SH   SOLE   5,630 0 0
COMCAST CORP NEW CL A 20030N101 40 1,014 SH   OTR   0 0 1,014
CROWN CASTLE INTL CORP NEW COM 22822V101 248 1,482 SH   SOLE   1,482 0 0
DARDEN RESTAURANTS INC COM 237194105 228 3,009 SH   SOLE   3,009 0 0
DISNEY WALT CO COM DISNEY 254687106 2,121 19,025 SH   SOLE   19,025 0 0
DOLLAR GEN CORP NEW COM 256677105 286 1,500 SH   SOLE   1,500 0 0
DOMINION ENERGY INC COM 25746U109 530 6,525 SH   SOLE   6,525 0 0
DOMINION ENERGY INC COM 25746U109 5 62 SH   OTR   62 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 565 7,075 SH   SOLE   7,075 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 15 187 SH   OTR   187 0 0
DUPONT DE NEMOURS INC COM 26614N102 518 9,744 SH   SOLE   9,744 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 337 6,881 SH   SOLE   6,881 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,360 19,680 SH   SOLE   19,680 0 0
EMERSON ELEC CO COM 291011104 1,124 18,125 SH   SOLE   18,125 0 0
EMERSON ELEC CO COM 291011104 130 2,100 SH   OTR   2,100 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 653 15,011 SH   SOLE   15,011 0 0
EXXON MOBIL CORP COM 30231G102 1,835 41,041 SH   SOLE   41,041 0 0
EXXON MOBIL CORP COM 30231G102 281 6,285 SH   OTR   6,197 0 88
FIRST CMNTY BANKSHARES INC V COM 31983A103 1,000 44,556 SH   SOLE   44,556 0 0
FIRST TR NASDAQ-100 TECH IND DJ INTERNT IDX 33733E302 942 5,525 SH   SOLE   5,525 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 749 22,670 SH   SOLE   22,670 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,048 13,120 SH   SOLE   13,120 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 470 25,493 SH   SOLE   25,493 0 0
FISERV INC COM 337738108 1,836 18,807 SH   SOLE   18,807 0 0
GENERAL DYNAMICS CORP COM 369550108 783 5,242 SH   SOLE   5,242 0 0
GENERAL ELECTRIC CO COM 369604103 138 20,148 SH   SOLE   20,148 0 0
GENERAL ELECTRIC CO COM 369604103 16 2,400 SH   OTR   0 0 2,400
GENERAL MLS INC COM 370334104 507 8,222 SH   SOLE   8,222 0 0
HERSHEY CO COM 427866108 846 6,525 SH   SOLE   6,525 0 0
HOME DEPOT INC COM 437076102 2,212 8,828 SH   SOLE   8,828 0 0
HOME DEPOT INC COM 437076102 60 240 SH   OTR   140 0 100
HONEYWELL INTL INC COM 438516106 957 6,619 SH   SOLE   6,619 0 0
INTEL CORP COM 458140100 2,329 38,935 SH   SOLE   38,935 0 0
INTEL CORP COM 458140100 24 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 784 8,560 SH   SOLE   8,560 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 616 5,097 SH   SOLE   5,097 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 478 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 3,814 15,405 SH   SOLE   15,405 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,597 35,347 SH   SOLE   35,347 0 0
ISHARES INC EM MKTS DIV ETF 464286319 232 7,414 SH   SOLE   7,414 0 0
ISHARES TR S&P 100 ETF 464287101 555 3,899 SH   SOLE   3,899 0 0
ISHARES TR CORE S&P TTL STK 464287150 265 3,820 SH   SOLE   3,820 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,067 25,610 SH   SOLE   25,610 0 0
ISHARES TR SELECT DIVID ETF 464287168 335 4,150 SH   OTR   4,150 0 0
ISHARES TR TIPS BD ETF 464287176 282 2,296 SH   SOLE   2,296 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,441 11,111 SH   SOLE   11,111 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,644 115,422 SH   SOLE   115,422 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,035 8,755 SH   OTR   8,755 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,068 76,726 SH   SOLE   76,726 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 441 11,020 SH   OTR   11,020 0 0
ISHARES TR IBOXX INV CP ETF 464287242 237 1,765 SH   SOLE   1,765 0 0
ISHARES TR GLOBAL TECH ETF 464287291 315 1,339 SH   SOLE   1,339 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,373 6,619 SH   SOLE   6,619 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 212 3,084 SH   SOLE   3,084 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 538 4,412 SH   SOLE   4,412 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,430 16,514 SH   SOLE   16,514 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,183 68,717 SH   SOLE   68,717 0 0
ISHARES TR MSCI EAFE ETF 464287465 453 7,441 SH   OTR   7,441 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,219 7,710 SH   SOLE   7,710 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,637 30,550 SH   SOLE   30,550 0 0
ISHARES TR RUS MID CAP ETF 464287499 16 300 SH   OTR   300 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,840 21,595 SH   SOLE   21,595 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,156 6,500 SH   OTR   6,500 0 0
ISHARES TR NASDAQ BIOTECH 464287556 925 6,770 SH   SOLE   6,770 0 0
ISHARES TR NASDAQ BIOTECH 464287556 246 1,800 SH   OTR   1,800 0 0
ISHARES TR GLOBAL 100 ETF 464287572 207 3,930 SH   SOLE   3,930 0 0
ISHARES TR GLOBAL 100 ETF 464287572 11 200 SH   OTR   200 0 0
ISHARES TR S&P MC 400GR ETF 464287606 353 1,577 SH   SOLE   1,577 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,031 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUS 1000 ETF 464287622 476 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 269 1,300 SH   SOLE   1,300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 557 3,889 SH   SOLE   3,889 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 1,046 5,809 SH   SOLE   5,809 0 0
ISHARES TR U.S. REAL ES ETF 464287739 210 2,670 SH   SOLE   2,670 0 0
ISHARES TR US INDUSTRIALS 464287754 15 100 SH   SOLE   100 0 0
ISHARES TR US INDUSTRIALS 464287754 226 1,500 SH   OTR   1,500 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 660 5,525 SH   SOLE   5,525 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,050 73,948 SH   SOLE   73,948 0 0
ISHARES TR CORE S&P SCP ETF 464287804 341 5,000 SH   OTR   5,000 0 0
ISHARES TR S&P SML 600 GWT 464287887 385 2,269 SH   SOLE   2,269 0 0
ISHARES TR INTL SEL DIV ETF 464288448 683 27,197 SH   SOLE   27,197 0 0
ISHARES TR SH TR CRPORT ETF 464288646 750 13,700 SH   SOLE   13,700 0 0
ISHARES TR SH TR CRPORT ETF 464288646 109 2,000 SH   OTR   2,000 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,456 55,778 SH   SOLE   55,778 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 879 6,574 SH   OTR   6,574 0 0
ISHARES TR PFD AND INCM SEC 464288687 986 28,462 SH   SOLE   28,462 0 0
ISHARES TR U.S. MED DVC ETF 464288810 225 850 SH   SOLE   850 0 0
ISHARES TR MICRO-CAP ETF 464288869 277 3,175 SH   SOLE   3,175 0 0
ISHARES TR US TREAS BD ETF 46429B267 958 34,217 SH   SOLE   34,217 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,402 17,276 SH   SOLE   17,276 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 8 100 SH   OTR   100 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 305 2,325 SH   SOLE   2,325 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 268 4,875 SH   SOLE   4,875 0 0
ISHARES TR CORE INTL AGGR 46435G672 278 5,000 SH   SOLE   5,000 0 0
JPMORGAN CHASE & CO COM 46625H100 953 10,131 SH   SOLE   10,131 0 0
JOHNSON & JOHNSON COM 478160104 5,109 36,329 SH   SOLE   36,329 0 0
JOHNSON & JOHNSON COM 478160104 491 3,490 SH   OTR   3,490 0 0
KIMBERLY CLARK CORP COM 494368103 279 1,975 SH   SOLE   1,975 0 0
LILLY ELI & CO COM 532457108 2,464 15,005 SH   SOLE   15,005 0 0
LOWES COS INC COM 548661107 698 5,164 SH   SOLE   5,164 0 0
MANULIFE FINL CORP COM 56501R106 138 10,118 SH   SOLE   10,118 0 0
MASTERCARD INCORPORATED CL A 57636Q104 214 723 SH   SOLE   723 0 0
MCDONALDS CORP COM 580135101 534 2,897 SH   SOLE   2,897 0 0
MERCK & CO. INC COM 58933Y105 383 4,958 SH   SOLE   4,958 0 0
MICROSOFT CORP COM 594918104 7,335 36,041 SH   SOLE   36,041 0 0
MICROSOFT CORP COM 594918104 1,112 5,465 SH   OTR   5,465 0 0
MONDELEZ INTL INC CL A 609207105 251 4,910 SH   SOLE   4,910 0 0
MONDELEZ INTL INC CL A 609207105 11 209 SH   OTR   175 0 34
NESTLE S A SPONSORED ADR 641069406 307 2,773 SH   SOLE   2,773 0 0
NEXTERA ENERGY INC COM 65339F101 688 2,866 SH   SOLE   2,866 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,838 10,467 SH   SOLE   10,467 0 0
NORFOLK SOUTHERN CORP COM 655844108 409 2,328 SH   OTR   705 0 1,623
NOVARTIS AG SPONSORED ADR 66987V109 334 3,826 SH   SOLE   3,826 0 0
ORACLE CORP COM 68389X105 222 4,025 SH   SOLE   4,025 0 0
OTIS WORLDWIDE CORP COM 68902V107 234 4,123 SH   SOLE   4,123 0 0
OTIS WORLDWIDE CORP COM 68902V107 47 823 SH   OTR   823 0 0
PEPSICO INC COM 713448108 1,756 13,276 SH   SOLE   13,276 0 0
PEPSICO INC COM 713448108 45 340 SH   OTR   340 0 0
PFIZER INC COM 717081103 965 29,518 SH   SOLE   29,518 0 0
PFIZER INC COM 717081103 174 5,325 SH   OTR   5,325 0 0
PHILIP MORRIS INTL INC COM 718172109 273 3,900 SH   SOLE   3,900 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH   OTR   0 0 50
PROCTER AND GAMBLE CO COM 742718109 5,391 45,085 SH   SOLE   45,085 0 0
PROCTER AND GAMBLE CO COM 742718109 258 2,160 SH   OTR   2,160 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 980 6,635 SH   OTR   6,635 0 0
QUALCOMM INC COM 747525103 496 5,433 SH   SOLE   5,433 0 0
RGC RES INC COM 74955L103 1,273 52,678 SH   SOLE   52,678 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,808 29,343 SH   SOLE   29,343 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 101 1,646 SH   OTR   1,646 0 0
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 524 12,950 SH   SOLE   12,950 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 277 8,480 SH   SOLE   8,480 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,735 8,868 SH   SOLE   8,868 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 29 94 SH   OTR   94 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 275 4,539 SH   SOLE   4,539 0 0
SCHLUMBERGER LTD COM 806857108 237 12,907 SH   SOLE   12,907 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 261 2,500 SH   SOLE   2,500 0 0
SOUTHERN CO COM 842587107 547 10,548 SH   SOLE   10,548 0 0
STANLEY BLACK & DECKER INC COM 854502101 296 2,127 SH   SOLE   2,127 0 0
STANLEY BLACK & DECKER INC COM 854502101 14 101 SH   OTR   101 0 0
STARBUCKS CORP COM 855244109 381 5,175 SH   SOLE   5,175 0 0
SUMMIT FINL GROUP INC COM 86606G101 3,598 218,337 SH   SOLE   218,337 0 0
SUMMIT FINL GROUP INC COM 86606G101 422 25,578 SH   OTR   24,500 0 1,078
SYSCO CORP COM 871829107 221 4,041 SH   SOLE   4,041 0 0
TARGET CORP COM 87612E106 357 2,980 SH   SOLE   2,980 0 0
TEXAS INSTRS INC COM 882508104 262 2,067 SH   SOLE   2,067 0 0
3M CO COM 88579Y101 279 1,786 SH   SOLE   1,786 0 0
US BANCORP DEL COM NEW 902973304 216 5,877 SH   SOLE   5,877 0 0
UNION PAC CORP COM 907818108 233 1,380 SH   SOLE   1,380 0 0
UNITEDHEALTH GROUP INC COM 91324P102 200 677 SH   SOLE   677 0 0
UNITEDHEALTH GROUP INC COM 91324P102 59 200 SH   OTR   0 0 200
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 4,014 103,475 SH   SOLE   103,475 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 318 8,207 SH   OTR   8,207 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,439 51,239 SH   SOLE   51,239 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 266 5,586 SH   OTR   5,586 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,952 74,536 SH   SOLE   74,536 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 217 5,479 SH   OTR   5,479 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,667 30,237 SH   SOLE   30,237 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 16 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 669 3,463 SH   SOLE   3,463 0 0
WALMART INC COM 931142103 419 3,500 SH   SOLE   3,500 0 0
WASTE MGMT INC DEL COM 94106L109 1,514 14,298 SH   SOLE   14,298 0 0
WASTE MGMT INC DEL COM 94106L109 265 2,500 SH   OTR   2,500 0 0
WELLS FARGO CO NEW COM 949746101 299 11,675 SH   SOLE   11,675 0 0
WELLTOWER INC COM 95040Q104 401 7,750 SH   SOLE   7,750 0 0