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  <xsd:element id="smmf_LandAndLandDevelopmentMember" name="LandAndLandDevelopmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_LengthofTimeGenerallyReceiveNewAppraisalPostImpairment" name="LengthofTimeGenerallyReceiveNewAppraisalPostImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_LengthofTimeGenerallyReceiveNewAppraisalonForeclosedProperties" name="LengthofTimeGenerallyReceiveNewAppraisalonForeclosedProperties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_LoanandLeaseLossesLoanPoolAverageTwelveMonthHistoricalNetLoanChargeOffAllocationPercentage" name="LoanandLeaseLossesLoanPoolAverageTwelveMonthHistoricalNetLoanChargeOffAllocationPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_LoanandLeaseLossesNumberofLoanPoolsforStratification" name="LoanandLeaseLossesNumberofLoanPoolsforStratification" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesAfterFiveYears" name="LoansAndLeasesReceivableMaturitiesAfterFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesAfterOneButWithinFiveYears" name="LoansAndLeasesReceivableMaturitiesAfterOneButWithinFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesAfterOneYear" name="LoansAndLeasesReceivableMaturitiesAfterOneYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesAfterOneYearWithFixedRates" name="LoansAndLeasesReceivableMaturitiesAfterOneYearWithFixedRates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesAfterOneYearWithVariableRates" name="LoansAndLeasesReceivableMaturitiesAfterOneYearWithVariableRates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansAndLeasesReceivableMaturitiesWithinOneYear" name="LoansAndLeasesReceivableMaturitiesWithinOneYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansandLeaseLossesAggregateBalanceThresholdforEvaluatingIndividualLoans" name="LoansandLeaseLossesAggregateBalanceThresholdforEvaluatingIndividualLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LoansandLeasesReceivableRelatedPartiesAggregateThreshold" name="LoansandLeasesReceivableRelatedPartiesAggregateThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_LoansandLeasesReceivableRelatedPartiesOtherChangesNet" name="LoansandLeasesReceivableRelatedPartiesOtherChangesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_LongTermReverseRepurchaseAgreements" name="LongTermReverseRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_LossContingencyCausesofActionNumber" name="LossContingencyCausesofActionNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_LossMember" name="LossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ManagementAndServiceFeesFromSubsidiaries" name="ManagementAndServiceFeesFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_NetUnrealizedLossOnCashflowHedgeDeferredTax" name="NetUnrealizedLossOnCashflowHedgeDeferredTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_NonHomogenousCommercialLoanRelationshipAnnualLoanReviewThreshold" name="NonHomogenousCommercialLoanRelationshipAnnualLoanReviewThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_NonJumboMember" name="NonJumboMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_NonOwnerOccupiedMember" name="NonOwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_NongovernmentSponsoredAgenciesMember" name="NongovernmentSponsoredAgenciesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_NumberSecuritiesHeldWithUnrealizedLossPosition" name="NumberSecuritiesHeldWithUnrealizedLossPosition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_NumberofInsuranceAgencyOffices" name="NumberofInsuranceAgencyOffices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_NumberofReserveComponents" name="NumberofReserveComponents" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_NumberofStatutoryBusinessTrusts" name="NumberofStatutoryBusinessTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_NumberofUnrelatedParties" name="NumberofUnrelatedParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_OhioMember" name="OhioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_OtherLoansMember" name="OtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_OtherRealEstateAndForeclosedAssetsValuationAdjustments" name="OtherRealEstateAndForeclosedAssetsValuationAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_OtherRealEstateForeclosedAssets" name="OtherRealEstateForeclosedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_OtherRevenuesMember" name="OtherRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_OtherThanTemporarilyImpairedSecuritiesMember" name="OtherThanTemporarilyImpairedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_OwnerOccupiedMember" name="OwnerOccupiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_PercentageOfTimeDeposits100000OrMoreAfter12MonthsToTotalTimeDeposits100000OrMore" name="PercentageOfTimeDeposits100000OrMoreAfter12MonthsToTotalTimeDeposits100000OrMore" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PercentageOfTimeDeposits100000OrMoreSixMonthsThrough12MonthsToTotalTimeDeposits100000OrMore" name="PercentageOfTimeDeposits100000OrMoreSixMonthsThrough12MonthsToTotalTimeDeposits100000OrMore" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PercentageOfTimeDeposits100000OrMoreThreeMonthsOrLessToTotalTimeDeposits100000OrMore" name="PercentageOfTimeDeposits100000OrMoreThreeMonthsOrLessToTotalTimeDeposits100000OrMore" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PercentageOfTimeDeposits100000OrMoreThreeMonthsThroughSixMonthsToTotalTimeDeposits100000OrMore" name="PercentageOfTimeDeposits100000OrMoreThreeMonthsThroughSixMonthsToTotalTimeDeposits100000OrMore" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PercentageTotalOfMaturityDistributionOfTimeDeposits100000OrMore" name="PercentageTotalOfMaturityDistributionOfTimeDeposits100000OrMore" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PercentageofOutstandingCommonStock" name="PercentageofOutstandingCommonStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_PreferredStockConvertibleThresholdConsecutiveTradingDays" name="PreferredStockConvertibleThresholdConsecutiveTradingDays" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_PreferredStockConvertibleThresholdTradingDays" name="PreferredStockConvertibleThresholdTradingDays" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_PresentationOfCashFlowsPolicyPolicyTextBlock" name="PresentationOfCashFlowsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ProceedsFromPrepaymentsOfAvailableForSaleSecurities" name="ProceedsFromPrepaymentsOfAvailableForSaleSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_PurchaseofunallocatedcommonstockheldbyESOP" name="PurchaseofunallocatedcommonstockheldbyESOP" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_PurchaseofunallocatedcommonstockheldbyESOPnumberofshares" name="PurchaseofunallocatedcommonstockheldbyESOPnumberofshares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_PurchasesOfOtherInvestments" name="PurchasesOfOtherInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_RangeOfExercisePriceSeventeenDollarAndFiftyOneCentToTwentyDollarMember" name="RangeOfExercisePriceSeventeenDollarAndFiftyOneCentToTwentyDollarMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RangeOfExercisePriceSixDollarAndOneCentToTenDollarMember" name="RangeOfExercisePriceSixDollarAndOneCentToTenDollarMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RangeOfExercisePriceTenDollarAndOneCentToSeventeenDollarAndFiftyCentMember" name="RangeOfExercisePriceTenDollarAndOneCentToSeventeenDollarAndFiftyCentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RangeOfExercisePriceTwentyDollarAndOneCentToTwentyFiveDollarAndNinetyThreeCentMember" name="RangeOfExercisePriceTwentyDollarAndOneCentToTwentyFiveDollarAndNinetyThreeCentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RangeOfExercisePriceTwoDollarAndFiftyFourCentToSixDollarMember" name="RangeOfExercisePriceTwoDollarAndFiftyFourCentToSixDollarMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_RelatedAndUnrelatedPartiesAxis" name="RelatedAndUnrelatedPartiesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_RelatedandUnrelatedPartiesDomain" name="RelatedandUnrelatedPartiesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RequiredReserveBalanceWithFederalReserveBank" name="RequiredReserveBalanceWithFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="smmf_ResidentialRealEstateFinancialReceivableMember" name="ResidentialRealEstateFinancialReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ResidentialRealEstateLoanThresholdForJumboLoanQualification" name="ResidentialRealEstateLoanThresholdForJumboLoanQualification" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_ReverseRepurchaseAgreementsNumberofUnaffiliatedInstitutions" name="ReverseRepurchaseAgreementsNumberofUnaffiliatedInstitutions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RevolvingHomeEquityAndCreditCardLinesMember" name="RevolvingHomeEquityAndCreditCardLinesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_RightsOfferingMember" name="RightsOfferingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_RiskRateLoansAggregateBalanceThreshold" name="RiskRateLoansAggregateBalanceThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_RiskRateLoansLoanBalanceThreshold" name="RiskRateLoansLoanBalanceThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_SaleofStockNumberofClosings" name="SaleofStockNumberofClosings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_ScheduleOfContractualAgingOfRecordedInvestmentInPastDueLoansByClassTableTextBlock" name="ScheduleOfContractualAgingOfRecordedInvestmentInPastDueLoansByClassTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleOfDefaultsDuringStatedPeriodOfTroubleDebtRestructuringsTableTextBlock" name="ScheduleOfDefaultsDuringStatedPeriodOfTroubleDebtRestructuringsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorBasedOnAgingStatusTable" name="ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorBasedOnAgingStatusTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleOfLoanMaturitiesTableTextBlock" name="ScheduleOfLoanMaturitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleOfMethodUsedToMeasureImpairmentOfImpairedLoansTableTextBlock" name="ScheduleOfMethodUsedToMeasureImpairmentOfImpairedLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleOfOtherRealEstateOwnedAndForeclosedAssetsTableTextBlock" name="ScheduleOfOtherRealEstateOwnedAndForeclosedAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleOfRecordedInvestmentEvaluatedBasedOnAgingStatusOfLoansAndPaymentActivityTableTextBlock" name="ScheduleOfRecordedInvestmentEvaluatedBasedOnAgingStatusOfLoansAndPaymentActivityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ScheduleoftheActivityRegardingTDRsbyLoanTypeTableTextBlock" name="ScheduleoftheActivityRegardingTDRsbyLoanTypeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SeriesBDividendsPreferredStockCash" name="SeriesBDividendsPreferredStockCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_SeriesDividendsPreferredStockCash" name="SeriesDividendsPreferredStockCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_SfgCapitalTrustIMember" name="SfgCapitalTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SfgCapitalTrustIiMember" name="SfgCapitalTrustIiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SfgCapitalTrustIiiMember" name="SfgCapitalTrustIiiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateAndPoliticalSubdivisionsGeneralObligationsMember" name="StateAndPoliticalSubdivisionsGeneralObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateAndPoliticalSubdivisionsLeaseRevenuesMember" name="StateAndPoliticalSubdivisionsLeaseRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateAndPoliticalSubdivisionsLotteryCasinoRevenuesMember" name="StateAndPoliticalSubdivisionsLotteryCasinoRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateAndPoliticalSubdivisionsOtherRevenuesMember" name="StateAndPoliticalSubdivisionsOtherRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateAndPoliticalSubdivisionsWaterAndSewerRevenuesMember" name="StateAndPoliticalSubdivisionsWaterAndSewerRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_StateandPoliticalSubdivisionsSecuritiesNumberofStateswithHighestVolume" name="StateandPoliticalSubdivisionsSecuritiesNumberofStateswithHighestVolume" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_StateandPoliticalSubdivisionsSpecialTaxRevenuesMember" name="StateandPoliticalSubdivisionsSpecialTaxRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedBorrowingNotPrePayableWithinNumberOfYears" name="SubordinatedBorrowingNotPrePayableWithinNumberOfYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedBorrowingTerm" name="SubordinatedBorrowingTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure" name="SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsMember" name="SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedDebtAmountQualifyingAsTierTwoCapitalReducedByPercentEachYearUntilMaturity" name="SubordinatedDebtAmountQualifyingAsTierTwoCapitalReducedByPercentEachYearUntilMaturity" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedDebtNumberofIssuances" name="SubordinatedDebtNumberofIssuances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SubordinatedDebtQualifiesAsTierTwoCapitalUnderFederalReserveBoardGuidelinesDebtMaturityDate" name="SubordinatedDebtQualifiesAsTierTwoCapitalUnderFederalReserveBoardGuidelinesDebtMaturityDate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfInterestBearingDepositsByTypeTableTextBlock" name="SummaryOfInterestBearingDepositsByTypeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfLoansNetOfUnearnedFeesTableTextBlock" name="SummaryOfLoansNetOfUnearnedFeesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfMaturityDistributionOfAllCertificatesOfDepositTableTextBlock" name="SummaryOfMaturityDistributionOfAllCertificatesOfDepositTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfOtherIntangibleAssetsTableTextBlock" name="SummaryOfOtherIntangibleAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfScheduledMaturitiesForAllTimeDepositsTableTextBlock" name="SummaryOfScheduledMaturitiesForAllTimeDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfTheTotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsTableTextBlock" name="SummaryOfTheTotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummaryOfVolumeOfStateAndPoliticalSubdivisionSecuritiesHeldInPortfolio" name="SummaryOfVolumeOfStateAndPoliticalSubdivisionSecuritiesHeldInPortfolio" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummitCommunityMember" name="SummitCommunityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_SummitFinancialGroupInc.EmployeeStockOwnershipPlanMember" name="SummitFinancialGroupInc.EmployeeStockOwnershipPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_SummitMember" name="SummitMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExempt" name="TaxExempt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptDebtSecuritiesMember" name="TaxExemptDebtSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptDebtSecuritiesUsStatesAndPoliticalSubdivisionsMember" name="TaxExemptDebtSecuritiesUsStatesAndPoliticalSubdivisionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptStateAndPoliticalSubdivisionsGeneralObligationsMember" name="TaxExemptStateAndPoliticalSubdivisionsGeneralObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptStateAndPoliticalSubdivisionsLeaseRevenuesMember" name="TaxExemptStateAndPoliticalSubdivisionsLeaseRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptStateAndPoliticalSubdivisionsLotteryCasinoRevenuesMember" name="TaxExemptStateAndPoliticalSubdivisionsLotteryCasinoRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptStateAndPoliticalSubdivisionsOtherRevenuesMember" name="TaxExemptStateAndPoliticalSubdivisionsOtherRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxExemptStateAndPoliticalSubdivisionsWaterAndSewerRevenuesMember" name="TaxExemptStateAndPoliticalSubdivisionsWaterAndSewerRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TaxableDebtSecuritiesMember" name="TaxableDebtSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TemporarilyImpairedSecuritiesMember" name="TemporarilyImpairedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_TemporarilyImpairedSecuritiesTable" name="TemporarilyImpairedSecuritiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPercentageOfPreferredStockRedemptionPricePerShare" name="ThresholdPercentageOfPreferredStockRedemptionPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodPastDueforLoanstobeDefault" name="ThresholdPeriodPastDueforLoanstobeDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodPastDueforNonaccrualStatusofFinancingReceivable" name="ThresholdPeriodPastDueforNonaccrualStatusofFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodPastDueforWriteoffofCreditCardLoans" name="ThresholdPeriodPastDueforWriteoffofCreditCardLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodPastDueforWriteoffofResidentialMortgageLoans" name="ThresholdPeriodPastDueforWriteoffofResidentialMortgageLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodSpecialEventNotificationForWriteoffOfFinancingReceivable" name="ThresholdPeriodSpecialEventNotificationForWriteoffOfFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodforOrderingAppraisalonImpairedLoansLengthofExistingAppraisal" name="ThresholdPeriodforOrderingAppraisalonImpairedLoansLengthofExistingAppraisal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_ThresholdPeriodforWriteoffOfCollateralizedConsumerLoans" name="ThresholdPeriodforWriteoffOfCollateralizedConsumerLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TierOneCommonEquity" name="TierOneCommonEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_TierOneCommonEquityRequiredforCapitalAdequacy" name="TierOneCommonEquityRequiredforCapitalAdequacy" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_TierOneCommonEquityRequiredforCapitalAdequacytoRiskWeightedAssets" name="TierOneCommonEquityRequiredforCapitalAdequacytoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_TierOneCommonEquityRequiredtobeWellCapitalized" name="TierOneCommonEquityRequiredtobeWellCapitalized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_TierOneCommonEquityRequiredtobeWellCapitalizedtoRiskWeightedAssets" name="TierOneCommonEquityRequiredtobeWellCapitalizedtoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_TierOneCommonEquitytoRiskWeightedAssets" name="TierOneCommonEquitytoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="smmf_TimeDepositsindenominationsthatmeetorexceedtheFDICInsurancelimit" name="TimeDepositsindenominationsthatmeetorexceedtheFDICInsurancelimit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_TotalCommercialMember" name="TotalCommercialMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalConsumerMember" name="TotalConsumerMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalResidentialRealEstateMember" name="TotalResidentialRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalUnfundedCommitments" name="TotalUnfundedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="smmf_TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsAxis" name="TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsDomain" name="TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsTable" name="TotalUnfundedOrOffBalanceSheetCreditExtensionCommitmentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalWithRelatedAllowanceMember" name="TotalWithRelatedAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TotalWithoutRelatedAllowanceMember" name="TotalWithoutRelatedAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubleDdebtDrestructuringsRefinance" name="TroubleDdebtDrestructuringsRefinance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubledDebtRestructuringNetPaydownsAdvances" name="TroubledDebtRestructuringNetPaydownsAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubledDebtRestructuringsAdditions" name="TroubledDebtRestructuringsAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubledDebtRestructuringsChargeoffs" name="TroubledDebtRestructuringsChargeoffs" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubledDebtRestructuringsTransferIntoOreo" name="TroubledDebtRestructuringsTransferIntoOreo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="smmf_TroubledDebtRestructuringsValue" name="TroubledDebtRestructuringsValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="smmf_TrustPreferredSecuritiesLimitedToTierOneCapitalElementsNetOfGoodwill" name="TrustPreferredSecuritiesLimitedToTierOneCapitalElementsNetOfGoodwill" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_TrustServicesPolicyTextBlock" name="TrustServicesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_UnearnedESOPSharesMember" name="UnearnedESOPSharesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="smmf_UnidentifiableintangibleassetsAbstract" name="UnidentifiableintangibleassetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_UnrelatedPartyOneMember" name="UnrelatedPartyOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_UnrelatedPartyTwoMember" name="UnrelatedPartyTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_WaterAndSewerRevenuesMember" name="WaterAndSewerRevenuesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_WeightedAverageInterestRateForPeriod" name="WeightedAverageInterestRateForPeriod" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="smmf_WestVirginiaMember" name="WestVirginiaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


