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 205 907 SH   SOLE   907 0 0
MEDTRONIC PLC SHS G5960L103 344 3,315 SH   SOLE   3,315 0 0
MEDTRONIC PLC SHS G5960L103 18 175 SH   OTR   175 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 509 4,200 SH   SOLE   4,200 0 0
CHUBB LIMITED COM H1467J104 213 1,833 SH   SOLE   1,833 0 0
ALPS ETF TR MED BREAKTHGH 00162Q593 372 9,050 SH   SOLE   9,050 0 0
AT&T INC COM 00206R102 1,305 45,762 SH   SOLE   45,762 0 0
AT&T INC COM 00206R102 176 6,178 SH   OTR   5,765 0 413
ABBOTT LABS COM 002824100 855 7,858 SH   SOLE   7,858 0 0
ABBOTT LABS COM 002824100 16 150 SH   OTR   150 0 0
ABBVIE INC COM 00287Y109 820 9,365 SH   SOLE   9,365 0 0
ABBVIE INC COM 00287Y109 18 200 SH   OTR   200 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 404 823 SH   SOLE   823 0 0
AIR PRODS & CHEMS INC COM 009158106 1,325 4,450 SH   SOLE   4,450 0 0
ALPHABET INC CAP STK CL A 02079K305 311 212 SH   SOLE   212 0 0
ALTRIA GROUP INC COM 02209S103 211 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 941 299 SH   SOLE   299 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,041 12,743 SH   SOLE   12,743 0 0
AMERICAN ELEC PWR CO INC COM 025537101 8 100 SH   OTR   100 0 0
AMGEN INC COM 031162100 222 873 SH   SOLE   873 0 0
AMGEN INC COM 031162100 25 100 SH   OTR   100 0 0
ANTHEM INC COM 036752103 207 770 SH   SOLE   770 0 0
APPLE INC COM 037833100 3,494 30,166 SH   SOLE   30,166 0 0
AUTODESK INC COM 052769106 1,386 6,000 SH   SOLE   6,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 494 3,540 SH   SOLE   3,540 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 14 100 SH   OTR   100 0 0
BAXTER INTL INC COM 071813109 760 9,455 SH   SOLE   9,455 0 0
BECTON DICKINSON & CO COM 075887109 239 1,026 SH   SOLE   1,026 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 669 3,140 SH   SOLE   3,140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 26 124 SH   OTR   0 0 124
BLACK HILLS CORP COM 092113109 428 8,000 SH   SOLE   8,000 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 503 8,350 SH   SOLE   8,350 0 0
CSX CORP COM 126408103 2,935 37,782 SH   SOLE   37,782 0 0
CSX CORP COM 126408103 253 3,257 SH   OTR   188 0 3,069
CAPITAL ONE FINL CORP COM 14040H105 209 2,910 SH   SOLE   2,910 0 0
CATERPILLAR INC DEL COM 149123101 575 3,852 SH   SOLE   3,852 0 0
CHEVRON CORP NEW COM 166764100 522 7,250 SH   SOLE   7,250 0 0
CHEVRON CORP NEW COM 166764100 7 100 SH   OTR   100 0 0
CISCO SYS INC COM 17275R102 1,327 33,696 SH   SOLE   33,696 0 0
CISCO SYS INC COM 17275R102 12 300 SH   OTR   300 0 0
COCA COLA CO COM 191216100 2,571 52,082 SH   SOLE   52,082 0 0
COCA COLA CO COM 191216100 133 2,690 SH   OTR   2,690 0 0
COLGATE PALMOLIVE CO COM 194162103 815 10,566 SH   SOLE   10,566 0 0
COLGATE PALMOLIVE CO COM 194162103 231 3,000 SH   OTR   3,000 0 0
COMCAST CORP NEW CL A 20030N101 260 5,630 SH   SOLE   5,630 0 0
COMCAST CORP NEW CL A 20030N101 47 1,014 SH   OTR   0 0 1,014
COSTCO WHSL CORP NEW COM 22160K105 204 574 SH   SOLE   574 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 247 1,482 SH   SOLE   1,482 0 0
DARDEN RESTAURANTS INC COM 237194105 303 3,009 SH   SOLE   3,009 0 0
DISNEY WALT CO COM DISNEY 254687106 2,333 18,800 SH   SOLE   18,800 0 0
DOLLAR GEN CORP NEW COM 256677105 204 975 SH   SOLE   975 0 0
DOMINION ENERGY INC COM 25746U109 506 6,406 SH   SOLE   6,406 0 0
DOMINION ENERGY INC COM 25746U109 5 62 SH   OTR   62 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 621 7,009 SH   SOLE   7,009 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 17 187 SH   OTR   187 0 0
DUPONT DE NEMOURS INC COM 26614N102 519 9,356 SH   SOLE   9,356 0 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 670 12,315 SH   SOLE   12,315 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,571 19,680 SH   SOLE   19,680 0 0
EMERSON ELEC CO COM 291011104 1,188 18,125 SH   SOLE   18,125 0 0
EMERSON ELEC CO COM 291011104 138 2,100 SH   OTR   2,100 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 1,045 21,696 SH   SOLE   21,696 0 0
EXXON MOBIL CORP COM 30231G102 1,379 40,166 SH   SOLE   40,166 0 0
EXXON MOBIL CORP COM 30231G102 216 6,285 SH   OTR   6,197 0 88
FIRST CMNTY BANKSHARES IN C V COM 31983A103 826 45,749 SH   SOLE   45,749 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 1,041 5,525 SH   SOLE   5,525 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 1,044 29,988 SH   SOLE   29,988 0 0
FIRST TR NAS100 EQ WEIGHTED SHS 337344105 1,237 14,320 SH   SOLE   14,320 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 487 25,393 SH   SOLE   25,393 0 0
FISERV INC COM 337738108 1,928 18,707 SH   SOLE   18,707 0 0
GENERAL DYNAMICS CORP COM 369550108 726 5,242 SH   SOLE   5,242 0 0
GENERAL ELECTRIC CO COM 369604103 126 20,148 SH   SOLE   20,148 0 0
GENERAL ELECTRIC CO COM 369604103 15 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 935 6,525 SH   SOLE   6,525 0 0
HOME DEPOT INC COM 437076102 2,354 8,475 SH   SOLE   8,475 0 0
HOME DEPOT INC COM 437076102 67 240 SH   OTR   140 0 100
HONEYWELL INTL INC COM 438516106 1,090 6,619 SH   SOLE   6,619 0 0
INTEL CORP COM 458140100 2,016 38,935 SH   SOLE   38,935 0 0
INTEL CORP COM 458140100 21 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 856 8,560 SH   SOLE   8,560 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 620 5,097 SH   SOLE   5,097 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 482 3,960 SH   OTR   200 0 3,760
INVESCO QQQ TR UNIT SER 1 46090E103 4,227 15,212 SH   SOLE   15,212 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,901 36,084 SH   SOLE   36,084 0 0
ISHARES INC EM MKTS DIV ETF 464286319 223 7,414 SH   SOLE   7,414 0 0
ISHARES TR S&P 100 ETF 464287101 568 3,649 SH   SOLE   3,649 0 0
ISHARES TR CORE S&P TTL STK 464287150 288 3,820 SH   SOLE   3,820 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,260 27,711 SH   SOLE   27,711 0 0
ISHARES TR SELECT DIVID ETF 464287168 338 4,150 SH   OTR   4,150 0 0
ISHARES TR TIPS BD ETF 464287176 290 2,296 SH   SOLE   2,296 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,707 11,030 SH   SOLE   11,030 0 0
ISHARES TR CORE US AGGBD ET 464287226 13,818 117,040 SH   SOLE   117,040 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,034 8,755 SH   OTR   8,755 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,197 72,514 SH   SOLE   72,514 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 486 11,020 SH   OTR   11,020 0 0
ISHARES TR IBOXX INV CP ETF 464287242 238 1,765 SH   SOLE   1,765 0 0
ISHARES TR GLOBAL TECH ETF 464287291 353 1,339 SH   SOLE   1,339 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,490 6,449 SH   SOLE   6,449 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 221 3,084 SH   SOLE   3,084 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 513 4,212 SH   SOLE   4,212 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,187 13,721 SH   SOLE   13,721 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,263 66,975 SH   SOLE   66,975 0 0
ISHARES TR MSCI EAFE ETF 464287465 455 7,141 SH   OTR   7,141 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,333 7,710 SH   SOLE   7,710 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,626 28,342 SH   SOLE   28,342 0 0
ISHARES TR RUS MID CAP ETF 464287499 17 300 SH   OTR   300 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,946 21,292 SH   SOLE   21,292 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,205 6,500 SH   OTR   6,500 0 0
ISHARES TR NASDAQ BIOTECH 464287556 921 6,805 SH   SOLE   6,805 0 0
ISHARES TR NASDAQ BIOTECH 464287556 244 1,800 SH   OTR   1,800 0 0
ISHARES TR GLOBAL 100 ETF 464287572 221 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 342 1,428 SH   SOLE   1,428 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,165 5,370 SH   SOLE   5,370 0 0
ISHARES TR RUS 1000 ETF 464287622 519 2,772 SH   SOLE   2,772 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 288 1,300 SH   SOLE   1,300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 620 4,141 SH   SOLE   4,141 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 981 5,014 SH   SOLE   5,014 0 0
ISHARES TR U.S. REAL ES ETF 464287739 213 2,670 SH   SOLE   2,670 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 542 4,445 SH   SOLE   4,445 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,107 72,720 SH   SOLE   72,720 0 0
ISHARES TR CORE S&P SCP ETF 464287804 351 5,000 SH   OTR   5,000 0 0
ISHARES TR S&P SML 600 GWT 464287887 392 2,223 SH   SOLE   2,223 0 0
ISHARES TR INTL SEL DIV ETF 464288448 665 26,662 SH   SOLE   26,662 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 868 15,800 SH   SOLE   15,800 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 110 2,000 SH   OTR   2,000 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,303 54,664 SH   SOLE   54,664 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 878 6,574 SH   OTR   6,574 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,651 45,289 SH   SOLE   45,289 0 0
ISHARES TR PFD AND INCM SEC 464288687 21 580 SH   OTR   580 0 0
ISHARES TR U.S. MED DVC ETF 464288810 255 850 SH   SOLE   850 0 0
ISHARES TR MICRO-CAP ETF 464288869 249 2,750 SH   SOLE   2,750 0 0
ISHARES TR US TREAS BD ETF 46429B267 986 35,267 SH   SOLE   35,267 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,537 19,093 SH   SOLE   19,093 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 8 100 SH   OTR   100 0 0
ISHARES TR MSCI USA MMENTM 46432F396 343 2,325 SH   SOLE   2,325 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 288 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 975 10,131 SH   SOLE   10,131 0 0
JOHNSON & JOHNSON COM 478160104 5,362 36,013 SH   SOLE   36,013 0 0
JOHNSON & JOHNSON COM 478160104 520 3,490 SH   OTR   3,490 0 0
KIMBERLY CLARK CORP COM 494368103 292 1,975 SH   SOLE   1,975 0 0
LILLY ELI & CO COM 532457108 2,221 15,005 SH   SOLE   15,005 0 0
LOWES COS INC COM 548661107 823 4,964 SH   SOLE   4,964 0 0
MANULIFE FINL CORP COM 56501R106 141 10,118 SH   SOLE   10,118 0 0
MASTERCARD INCORPORATED CL A 57636Q104 244 723 SH   SOLE   723 0 0
MCDONALDS CORP COM 580135101 636 2,897 SH   SOLE   2,897 0 0
MERCK & CO. INC COM 58933Y105 402 4,843 SH   SOLE   4,843 0 0
MICROSOFT CORP COM 594918104 7,452 35,431 SH   SOLE   35,431 0 0
MICROSOFT CORP COM 594918104 1,149 5,465 SH   OTR   5,465 0 0
MONDELEZ INTL INC CL A 609207105 282 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 330 2,773 SH   SOLE   2,773 0 0
NEXTERA ENERGY INC COM 65339F101 782 2,816 SH   SOLE   2,816 0 0
NORFOLK SOUTHN CORP COM 655844108 1,927 9,007 SH   SOLE   9,007 0 0
NORFOLK SOUTHN CORP COM 655844108 498 2,328 SH   OTR   705 0 1,623
NOVARTIS AG SPONSORED ADR 66987V109 328 3,777 SH   SOLE   3,777 0 0
ORACLE CORP COM 68389X105 237 3,970 SH   SOLE   3,970 0 0
PEPSICO INC COM 713448108 1,807 13,041 SH   SOLE   13,041 0 0
PEPSICO INC COM 713448108 47 340 SH   OTR   340 0 0
PFIZER INC COM 717081103 1,083 29,518 SH   SOLE   29,518 0 0
PFIZER INC COM 717081103 195 5,325 SH   OTR   5,325 0 0
PHILIP MORRIS INTL INC COM 718172109 289 3,850 SH   SOLE   3,850 0 0
PHILIP MORRIS INTL INC COM 718172109 4 50 SH   OTR   0 0 50
PROCTER AND GAMBLE CO COM 742718109 6,225 44,790 SH   SOLE   44,790 0 0
PROCTER AND GAMBLE CO COM 742718109 300 2,160 SH   OTR   2,160 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 1,216 13,270 SH   OTR   13,270 0 0
QUALCOMM INC COM 747525103 663 5,633 SH   SOLE   5,633 0 0
RGC RES INC COM 74955L103 1,235 52,678 SH   SOLE   52,678 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,686 29,293 SH   SOLE   29,293 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 92 1,600 SH   OTR   1,600 0 0
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 1,006 19,240 SH   SOLE   19,240 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,294 9,836 SH   SOLE   9,836 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 31 94 SH   OTR   94 0 0
SPDR SER TR BLMBRG BRC CNVRT 78464A359 317 4,599 SH   SOLE   4,599 0 0
SCHLUMBERGER LTD COM 806857108 201 12,907 SH   SOLE   12,907 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 292 2,500 SH   SOLE   2,500 0 0
SOUTHERN CO COM 842587107 625 11,518 SH   SOLE   11,518 0 0
STANLEY BLACK & DECKER INC COM 854502101 337 2,077 SH   SOLE   2,077 0 0
STANLEY BLACK & DECKER INC COM 854502101 16 101 SH   OTR   101 0 0
STARBUCKS CORP COM 855244109 445 5,175 SH   SOLE   5,175 0 0
SUMMIT FINL GROUP INC COM 86606G101 3,234 218,337 SH   SOLE   218,337 0 0
SUMMIT FINL GROUP INC COM 86606G101 379 25,578 SH   OTR   24,500 0 1,078
SYSCO CORP COM 871829107 251 4,041 SH   SOLE   4,041 0 0
TARGET CORP COM 87612E106 469 2,980 SH   SOLE   2,980 0 0
TEXAS INSTRS INC COM 882508104 293 2,052 SH   SOLE   2,052 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 238 539 SH   SOLE   539 0 0
3M CO COM 88579Y101 286 1,786 SH   SOLE   1,786 0 0
US BANCORP DEL COM NEW 902973304 211 5,877 SH   SOLE   5,877 0 0
UNION PAC CORP COM 907818108 272 1,380 SH   SOLE   1,380 0 0
UNITED PARCEL SERVICE INC CL B 911312106 220 1,320 SH   SOLE   1,320 0 0
UNITEDHEALTH GROUP INC COM 91324P102 211 677 SH   SOLE   677 0 0
UNITEDHEALTH GROUP INC COM 91324P102 62 200 SH   OTR   0 0 200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,722 90,991 SH   SOLE   90,991 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 336 8,207 SH   OTR   8,207 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,518 49,901 SH   SOLE   49,901 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 282 5,586 SH   OTR   5,586 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,171 73,330 SH   SOLE   73,330 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 237 5,479 SH   OTR   5,479 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,835 30,853 SH   SOLE   30,853 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 17 286 SH   OTR   0 0 286
VISA INC COM CL A 92826C839 599 2,993 SH   SOLE   2,993 0 0
WALMART INC COM 931142103 570 4,075 SH   SOLE   4,075 0 0
WASTE MGMT INC DEL COM 94106L109 1,632 14,423 SH   SOLE   14,423 0 0
WASTE MGMT INC DEL COM 94106L109 283 2,500 SH   OTR   2,500 0 0
WELLTOWER INC COM 95040Q104 427 7,750 SH   SOLE   7,750 0 0