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 22, 2004 Summit Financial Group, Inc. (Exact name of registrant as specified in its charter) West Virginia 0-16587 55-0672148 (State or Other (Commission (I.R.S. Employer Jurisdiction) File Number) Identification) 300 North Main Street Moorefield, WV 26836 (Address of principal executive offices) (Zip Code) (304) 530-7233 (Registrant's telephone number, including area code) Not Applicable (Former name, address, and fiscal year, if changed since last report) Item 5. Other Event and Regulation FD Disclosure On January 23, 2004, Summit Financial Group, Inc. ("Summit ") issued a News Release announcing Corinthian Mortgage Corporation's petition for temporary injunction against Summit Financial, LLC and Shenandoah Valley National Bank, subsidiaries of Summit Financial Group, Inc., was denied. A copy of the News Release is attached as Exhibit 99.1 to this Report. Item 7. Financial Statements and Exhibits (c) Exhibits. 99.1 News Release, dated January 23, 2004 incorporated herein by reference. 99.2 News Release, dated January 23, 2004 incorporated herein by reference. Item 9. Regulation FD Disclosure On January 23, 2004, Summit Financial Group, Inc. ("Summit ") issued a News Release announcing its earnings for the fourth quarter and for the year 2003. A copy of the News Release is attached as Exhibit 99.2 to this Report. Item 12. Results of Operations and Financial Condition On January 23, 2004, Summit issued a News Release announcing its earnings for the fourth quarter and for the year ended 2003. A copy of the News Release is attached as Exhibit 99.2 to this Report. The information in this report and the accompanying exhibits are being furnished under Item 5, Item 9 and Item 12 and shall not be deemed to be "filed" for the purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing. 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 23, 2004 By: /s/ Robert S. Tissue ------------------------------- Robert S. Tissue Senior Vice President and Chief Financial Officer EXHIBIT INDEX Exhibit No. Description ---------- ------------ 99.1 News Release, dated January 23, 2004 incorporated herein by reference. 99.2 News Release, dated January 23, 2004 incorporated herein by reference