Summit Financial Group, Inc. (Summit) is a financial holding company. The Company provides community banking services in the Eastern Panhandle and South Central regions of West Virginia and the Northern region of Virginia. It provides these services through its community bank subsidiary, Summit Community Bank (the Bank). It also operates Summit Insurance Services, LLC in Moorefield, West Virginia and Leesburg, Virginia. It provides a range of community banking services, including demand, savings and time deposits; commercial, real estate and consumer loans; letters of credit, and cash management services. The deposits of Summit Community are insured by the Federal Deposit Insurance Corporation (FDIC). As of December 31, 2012, the Company�s community bank, Summit Community Bank, has a total of 15 banking offices located in West Virginia and Virginia.