exhibit4-1commonstk.htm


                                                                      Exhibit
4.1


    SPECIMEN OF COMMON
STOCK CERTIFICATE

    
 

    
      Number                                                              SHARES

      SF_______                                                                      

    

                             

    


    


               SUMMIT
FINANCIAL GROUP, INC.

    
      	
                                                            CUSIP   86606G
      10 1

               

                                                                 SEE REVERSE FOR CERTAIN
      DEFINITIONS

            


    

                                                 INCORPORATED
UNDER THE LAWS OF THE STATE OF WEST VIRGINIA

                    COMMON
STOCK

    
      	
               

                THIS
      CERTIFIES that

               

               

               

               

               

               

               

                is
      the owner of

            


    

    
FULLY
PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK, PAR VALUE $2.50 PER SHARE
OF

    SUMMIT
FINANCIAL GROUP, INC.

    transferable
only on the books of the Corporation by the holder hereof in person or by
Attorney upon surrender of this Certificate properly endorsed.  This
Certificate is not valid until countersigned by the Transfer Agent and
registered by the Registrar.

    


    IN WITNESS WHEREOF, the said
Corporation has caused this Certificate to be signed by the facsimile signatures
of its duly authorized officers and its Corporate seal to be hereunto
affixed.

    
      	
               

            


    

    


    DATED:

    
      	
              
                 

                 

                 

                                            


                             SECRETARY

                 

                 

                         

                COUNTERSIGNED
      AND
      REGISTERED          REGISTRAR
      AND TRANSFER COMPANY TRANSFER AGENT AND REGISTRAR
      BY  ___________________  (AUTHORIZED
      SIGNATURE)

                
 

              

            


    

    


    
      
         


      

      
         


        
          

        

      

      
         


      

    

     

    SPECIMEN
OF COMMON STOCK CERTIFICATE (cont)


     




    
      The
following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

       

      TEN COM
-as tenants in
common                                                                                           UNIF
GIFT MIN ACT- .................Custodian............

      TEN ENT
-as tenants by the
entireties                                                                                                                               (Cust)              (Minor)

      JT TEN
-as joint tenants with right
of                                                                                                                             under
Uniform Gifts to Minors

                       survivorship
and not as
tenants                                                                                                                            Act
..............................................

                              in
common                                                       (State)

      Additional
abbreviations may also be used though not in the above list.

       

       

      For Value Received,
______________________do hereby sell, assign and transfer
unto



    


     

    
      	
              PLEASE INSERT SOCIAL SECURITY OR
      OTHER IDENTIFYING
      NUMBER OF ASSIGNEE

            


    

    
       

      
         

            _____________________________________





      

    

    
      	 
      


    

    


     
 

    
_________________________________________________________________________________________________________________________________________________________

    (PLEASE
PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF
ASSIGNEE)

    
_________________________________________________________________________________________________________________________________________________________

    
_________________________________________________________________________________________________________________________________________________________     
Shares

     

    of
the Common Stock represented by the within Certificate, and do hereby
irrevocably
constitute and
appoint____________________________________________________________________

     

    _________________________________________________________________________________________________________________________________________________________Attorney

    to
transfer the said Shares on the books of the within named Corporation with full
power of substitution in the premises.

    


    Dated: 
__________________________________

    In presence of

    
                      _______________________________________________________________________________________________________________________

     

    _________________________________________________________________________________________________________________________________________________________

     
 

    NOTICE: The signature of this
assignment must correspond with the name as written upon the face of the
certificate, in every particular, without alteration or enlargement, or any
change whatever.

    


    The signature(s) of the assignor(s)
must be guaranteed hereon by a participant in either the Securities Transfer
Agent’s Medallion Program (STAMP), the Stock Exchange Medallion Program (SEMP),
or the New York Stock Exchange Medallion Program (MSP).