Earnings Release SFG 12/05

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 26, 2006

Summit Financial Group, Inc.
(Exact name of registrant as specified in its charter)


West Virginia
  
0-16587
  
55-0672148
(State or Other Jurisdiction)
  
(Commission File Number)
  
(I.R.S. Employer Identification)
 
        

 
300 North Main Street
                        Moorefield, WV   26836
(Address of principal executive offices) (Zip Code)


(304) 530-1000
Registrant's telephone number, including area code
 


Not Applicable
(Former name or former address, if changed since last report.)



Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 
¨  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨  
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨  
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨  
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))





Section 2 - Financial Information

Item 2.02. Results of Operations and Financial Condition.

On January 26, 2006, Summit Financial Group, Inc. (“Summit”) issued a News Release announcing its earnings for the fourth quarter and for the year 2005. This News Release is furnished as Exhibit 99 and is incorporated herein by reference.




Section 9 - Financial Statements and Exhibits
 
Item 9.01 Financial Statements and Exhibits

(c)  
Exhibits

99 News Release issued on January 26, 2006




SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


                                    SUMMIT FINANCIAL GROUP, INC.


Date: January 27, 2006
By: /s/ Julie R. Cook   
 
Julie R. Cook
 
Vice President and
 
Chief Accounting Officer