The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. COM 88579Y101 4,122 23,497 SH   SOLE   21,094 0 2,403
AT&T Inc. COM 00206R102 1,446 53,534 SH   SOLE   45,023 0 8,511
AT&T Inc. COM 00206R102 11 396 SH   OTR   396 0 0
AbbVie Inc. COM 00287Y109 12,852 119,143 SH   SOLE   110,255 0 8,888
AbbVie Inc. COM 00287Y109 126 1,172 SH   OTR   1,122 0 50
Abbott Labs. COM 002824100 4,642 39,295 SH   SOLE   33,365 0 5,930
Abbott Labs. COM 002824100 32 275 SH   OTR   175 0 100
Albemarle Corporation COM 012653101 613 2,800 SH   SOLE   2,800 0 0
Alexander & Baldwin COM 014491104 8,771 374,192 SH   SOLE   361,946 0 12,246
Allied Motion Technologies COM 019330109 8,741 279,431 SH   SOLE   272,152 0 7,279
Alphabet Inc. (A) COM 02079K305 315 118 SH   SOLE   18 0 100
Alphabet Inc. (C) COM 02079K107 408 153 SH   SOLE   103 0 50
Altria Group Inc. COM 02209S103 467 10,250 SH   SOLE   10,250 0 0
Amazon.com, Inc. COM 023135106 2,296 699 SH   SOLE   625 0 74
Amazon.com, Inc. COM 023135106 33 10 SH   OTR   10 0 0
American Elec Pwr Inc COM 025537101 1,439 17,723 SH   SOLE   17,095 0 628
American Express Co. COM 025816109 12,685 75,717 SH   SOLE   71,556 0 4,161
American Woodmark Corp. COM 030506109 5,753 88,012 SH   SOLE   87,312 0 700
Analog Devices Inc. COM 032654105 460 2,746 SH   SOLE   2,746 0 0
Apple, Inc. COM 037833100 7,324 51,759 SH   SOLE   45,429 0 6,330
Argan Inc. COM 04010E109 7,324 167,716 SH   SOLE   164,222 0 3,494
Atlantic Union Bankshares Corp COM 04911A107 8,829 239,604 SH   SOLE   230,855 0 8,749
Automatic Data Processing COM 053015103 3,543 17,721 SH   SOLE   14,517 0 3,204
BWX Technologies Inc. COM 05605H100 7,602 141,145 SH   SOLE   137,949 0 3,196
Babcock & Wilcox Enterprises, COM 05614L209 589 91,890 SH   SOLE   91,890 0 0
Bank of America Corp. COM 060505104 2,337 55,063 SH   SOLE   55,063 0 0
Bank of America Corp. COM 060505104 76 1,800 SH   OTR   1,800 0 0
Becton, Dickinson & Co. COM 075887109 3,075 12,509 SH   SOLE   10,420 0 2,089
Berkshire Hathaway B CL B NEW 084670702 1,946 7,130 SH   SOLE   5,925 0 1,205
Blackrock Inc. COM 09247X101 3,218 3,837 SH   SOLE   3,707 0 130
Blackrock Inc. COM 09247X101 147 175 SH   OTR   175 0 0
Bottomline Technologies, Inc. COM 101388106 7,426 189,045 SH   SOLE   183,339 0 5,706
Bristol Myers Squibb Co. COM 110122108 9,853 166,522 SH   SOLE   161,438 0 5,084
Bristol Myers Squibb Co. COM 110122108 84 1,420 SH   OTR   1,420 0 0
Broadcom Limited COM 11135F101 4,861 10,025 SH   SOLE   9,847 0 178
Broadcom Limited COM 11135F101 73 150 SH   OTR   150 0 0
Broadridge Financial Solutions COM 11133T103 1,122 6,735 SH   SOLE   6,735 0 0
Broadridge Financial Solutions COM 11133T103 92 550 SH   OTR   550 0 0
CSX Corporation COM 126408103 312 10,500 SH   SOLE   10,500 0 0
CTO Realty Growth Inc. COM 22948Q101 985 18,331 SH   SOLE   18,331 0 0
CVS Health Corp. COM 126650100 4,638 54,658 SH   SOLE   53,909 0 749
CVS Health Corp. COM 126650100 59 700 SH   OTR   700 0 0
Capital One Finl Corp. COM 14040h105 653 4,033 SH   SOLE   1,000 0 3,033
Carrier Global Corp. COM 14448C104 1,162 22,457 SH   SOLE   18,464 0 3,993
Caterpillar, Inc. COM 149123101 2,666 13,890 SH   SOLE   11,130 0 2,760
Chesapeake Energy Corp. COM 165167735 4,938 80,180 SH   SOLE   78,079 0 2,101
Chevron Corp. COM 166764100 3,411 33,619 SH   SOLE   26,826 0 6,793
Cisco Systems COM 17275r102 5,844 107,378 SH   SOLE   96,849 0 10,529
Cisco Systems COM 17275r102 82 1,500 SH   OTR   1,500 0 0
Coca-Cola Company COM 191216100 379 7,218 SH   SOLE   5,218 0 2,000
CollPlant Biotechnologies Ltd. ADS M2R51X116 9,648 570,901 SH   SOLE   564,901 0 6,000
Comcast Corp Cl A CL A 20030N101 3,243 57,986 SH   SOLE   56,779 0 1,207
Communication Services Select COM 81369Y852 5,701 71,170 SH   SOLE   65,565 0 5,605
Conoco Phillips COM 20825c104 1,349 19,911 SH   SOLE   18,603 0 1,308
Consolidated Edison Co Of N.Y. COM 209115104 1,571 21,647 SH   SOLE   18,012 0 3,635
Consumer Discretionary Select COM 81369Y407 1,635 9,110 SH   SOLE   7,570 0 1,540
Corteva Inc. COM 22052L104 457 10,867 SH   SOLE   8,556 0 2,311
Costco Whsl Corp. New COM 22160k105 3,532 7,861 SH   SOLE   6,504 0 1,357
Credit Suisse Asst Mgm Com COM 224916106 61 17,440 SH   SOLE   17,440 0 0
Cross Country Healthcare Inc. COM 227483104 5,647 265,865 SH   SOLE   265,865 0 0
Danaher Corp. COM 235851102 4,867 15,987 SH   SOLE   13,097 0 2,890
Dominion Energy, Inc. COM 25746u109 583 7,982 SH   SOLE   6,382 0 1,600
Dominion Energy, Inc. COM 25746u109 7 100 SH   OTR   0 0 100
Dow, Inc. COM 260557103 2,842 49,380 SH   SOLE   46,266 0 3,114
DuPont de Nemours, Inc. COM 26614N102 745 10,959 SH   SOLE   9,018 0 1,941
Duke Energy Corp. COM 26441C204 646 6,627 SH   SOLE   5,265 0 1,362
Duke Energy Corp. COM 26441C204 78 800 SH   OTR   700 0 100
EOG Resources Inc. COM 26875P101 3,059 38,104 SH   SOLE   38,104 0 0
Eaton Corp. PLC SHS G29183103 1,646 11,021 SH   SOLE   11,021 0 0
Eaton Corp. PLC SHS G29183103 67 450 SH   OTR   450 0 0
Emerson Elec Co COM 291011104 1,828 19,410 SH   SOLE   16,127 0 3,283
Energy Select Sector SPDR Fund COM 81369y506 3,353 64,370 SH   SOLE   61,970 0 2,400
Exxon Mobil Corp. COM 30231g102 2,560 43,524 SH   SOLE   35,719 0 7,805
Exxon Mobil Corp. COM 30231g102 6 100 SH   OTR   0 0 100
Facebook, Inc. CL A 30303M102 245 721 SH   SOLE   721 0 0
Fedex Corp. COM 31428x106 948 4,323 SH   SOLE   4,323 0 0
Fedex Corp. COM 31428x106 88 400 SH   OTR   400 0 0
Gentex Corp. COM 371901109 2,584 78,338 SH   SOLE   75,889 0 2,449
Genuine Parts COM 372460105 158 1,310 SH   SOLE   1,310 0 0
Genuine Parts COM 372460105 60 497 SH   SOLE   497 0 0
Glaxo Smithkline PLC COM 37733W105 236 6,165 SH   SOLE   6,165 0 0
Globalstar, Inc. SPONSORED ADR 378973408 134 80,000 SH   SOLE   80,000 0 0
Green Dot Corp CL A 39304D102 1,856 36,882 SH   SOLE   35,182 0 1,700
Hackett Group, Inc. COM 404609109 3,548 180,850 SH   SOLE   176,547 0 4,303
Hain Celestial Group, Inc. COM 405217100 1,601 37,435 SH   SOLE   37,435 0 0
Helios Technologies COM 42328H109 1,536 18,702 SH   SOLE   18,702 0 0
Hilton Hotels Corp. Com. COM 43300A203 4,425 33,493 SH   SOLE   32,053 0 1,440
Home Depot, Inc. COM 437076102 3,569 10,872 SH   SOLE   9,012 0 1,860
Hudson Technologies, Inc. COM 444144109 247 70,000 SH   SOLE   70,000 0 0
Immersion Corporation COM 452521107 2,243 327,970 SH   SOLE   327,970 0 0
Intel Corporation COM 458140100 3,274 61,448 SH   SOLE   50,400 0 11,048
Intel Corporation COM 458140100 5 100 SH   OTR   0 0 100
International Business Machs. COM 459200101 2,289 16,483 SH   SOLE   13,274 0 3,209
International Business Machs. COM 459200101 81 585 SH   OTR   585 0 0
Intrepid Potash Inc. COM 46121Y201 12,040 389,619 SH   SOLE   383,419 0 6,200
Ishares TR Nasdaq Bio Index ET ISHARES BIOTECH 464287556 566 3,500 SH   SOLE   3,500 0 0
Ishares TR Russell 2000 ETF RUSSELL 2000 ETF 464287655 3,147 14,388 SH   SOLE   14,388 0 0
J. P. Morgan Chase COM 46625h100 8,619 52,655 SH   SOLE   45,067 0 7,588
Johnson & Johnson COM 478160104 3,190 19,749 SH   SOLE   15,755 0 3,994
KVH Industries Inc. COM 482738101 3,169 329,085 SH   SOLE   329,085 0 0
Kinder Morgan, Inc. COM 49456b101 4,039 241,410 SH   SOLE   235,908 0 5,502
Kroger Co. COM 501044101 1,613 39,885 SH   SOLE   33,545 0 6,340
Kroger Co. COM 501044101 97 2,400 SH   OTR   2,400 0 0
Leggett & Platt, Inc. COM 524660107 228 5,070 SH   SOLE   5,070 0 0
LeMaitre Vascular, Inc. COM 525558201 1,033 19,455 SH   SOLE   19,455 0 0
Lennar Corp. Class A CL A 526057104 1,468 15,671 SH   SOLE   15,671 0 0
Ligand Pharmaceuticals Inc. COM NEW 53220K504 6,291 45,153 SH   SOLE   44,405 0 748
Lilly Eli & Co COM 532457108 2,171 9,395 SH   SOLE   7,775 0 1,620
Lowes Cos Inc COM 548661107 2,771 13,660 SH   SOLE   12,660 0 1,000
Lowes Cos Inc COM 548661107 203 1,000 SH   OTR   1,000 0 0
Luna Innovations, Inc. COM 550351100 1,834 193,026 SH   SOLE   193,026 0 0
MDC Holdings Inc. COM 552676108 615 13,163 SH   SOLE   13,163 0 0
Magnite, Inc. COM 55955D100 9,734 347,636 SH   SOLE   340,736 0 6,900
Markel Corp COM 570535104 6,101 5,105 SH   SOLE   4,910 0 195
Mastercard Inc Cl A CL A 57636Q104 1,881 5,410 SH   SOLE   5,410 0 0
Mastercard Inc Cl A CL A 57636Q104 348 1,000 SH   OTR   1,000 0 0
McDonalds Corp COM 580135101 255 1,056 SH   SOLE   1,056 0 0
Medical Properties Trust Inc. COM 58463J304 625 31,100 SH   SOLE   31,100 0 0
Medical Properties Trust Inc. COM 58463J304 70 3,500 SH   OTR   3,500 0 0
Medtronic, Inc. SHS G5960L103 4,137 33,007 SH   SOLE   31,867 0 1,140
Merck & Co., Inc. COM 58933Y105 3,916 52,131 SH   SOLE   47,997 0 4,134
Merck & Co., Inc. COM 58933Y105 75 994 SH   OTR   994 0 0
Microchip Technology COM 595017104 4,396 28,640 SH   SOLE   28,046 0 594
Microchip Technology COM 595017104 215 1,400 SH   OTR   1,400 0 0
Microsoft Corp. COM 594918104 11,169 39,617 SH   SOLE   32,989 0 6,628
Mondelez International Inc. CL A 609207105 1,409 24,226 SH   SOLE   23,226 0 1,000
Mondelez International Inc. CL A 609207105 20 350 SH   OTR   350 0 0
Newmarket Corp. COM 651587107 257 760 SH   SOLE   760 0 0
Nexstar Media Group, Inc. CL A 65336K103 224 1,477 SH   SOLE   0 0 1,477
Norfolk Southern Corp. COM 655844108 2,836 11,852 SH   SOLE   9,057 0 2,795
Oaktree Specialty Lending Corp COM 67401P108 11,466 1,623,994 SH   SOLE   1,577,393 0 46,601
Oracle Systems Corporation COM 68389X105 1,654 18,984 SH   SOLE   18,284 0 700
Otis Worldwide Corporation COM 68902V107 994 12,077 SH   SOLE   9,859 0 2,218
PRA Group Inc. COM 69354N106 9,429 223,746 SH   SOLE   216,638 0 7,108
PayPal Holdings Inc. COM 70450Y103 1,863 7,158 SH   SOLE   7,158 0 0
Paychex, Inc. COM 704326107 445 3,960 SH   SOLE   3,960 0 0
Pepsico, Inc. COM 713448108 3,925 26,096 SH   SOLE   21,266 0 4,830
Pepsico, Inc. COM 713448108 90 600 SH   OTR   600 0 0
PerkinElmer, Inc. COM 714046109 1,425 8,221 SH   SOLE   8,221 0 0
Pfizer Inc. COM 717081103 2,765 64,305 SH   SOLE   53,560 0 10,745
Philip Morris International, I COM 718172109 505 5,327 SH   SOLE   5,327 0 0
Pioneer Nat. Res. Co. COM 723787107 1,393 8,367 SH   SOLE   8,367 0 0
Prestige Consumer Healthcare I COM 74112D101 1,349 24,040 SH   SOLE   24,040 0 0
ProShares Russell 2000 Div Gro RUSS 2000 DIVD 74347B698 2,889 46,853 SH   SOLE   46,853 0 0
ProShares S&P MidCap 400 Div A S&P MDCP 400 DIV 74347B680 12,491 184,375 SH   SOLE   178,256 0 6,119
Procter & Gamble Co. COM 742718109 4,080 29,186 SH   SOLE   23,766 0 5,420
Progressive Corp Ohio Com COM 743315103 1,084 11,993 SH   SOLE   11,993 0 0
Qualcomm, Inc. COM 747525103 4,112 31,878 SH   SOLE   31,246 0 632
Qualcomm, Inc. COM 747525103 23 175 SH   OTR   175 0 0
Quidel Corp. COM 74838J101 11,527 81,664 SH   SOLE   79,400 0 2,264
Raytheon Technologies Corporat COM 75513E101 1,022 11,892 SH   SOLE   11,892 0 0
Royal Bank of Canada COM 780087102 1,369 13,763 SH   SOLE   11,481 0 2,282
Royal Dutch Shell PLC Class A SPONS ADR A 780259206 2,079 46,645 SH   SOLE   34,989 0 11,656
Royal Dutch Shell PLC Class A SPONS ADR A 780259206 4 100 SH   OTR   0 0 100
SPDR Dow Jones Industrial Aver UT SER 1 78467X109 17,679 52,259 SH   SOLE   51,077 0 1,182
SPDR S&P 500 ETF Trust TR UNIT 78462F103 515 1,201 SH   SOLE   93 0 1,108
Schlumberger Limited COM 806857108 973 32,819 SH   SOLE   28,014 0 4,805
Shattuck Labs, Inc. COM 82024L103 747 36,656 SH   SOLE   36,656 0 0
Southern Co. COM 842587107 400 6,449 SH   SOLE   4,449 0 2,000
Standard Motor Products, Inc. COM 853666105 952 21,770 SH   SOLE   21,770 0 0
T. Rowe Price Group Inc. COM 74144T108 7,456 37,903 SH   SOLE   37,113 0 790
Texas Pacific Land Corporation COM 88262P102 368 304 SH   SOLE   304 0 0
The Kraft Heinz Company COM 500754106 428 11,620 SH   SOLE   11,620 0 0
The Kraft Heinz Company COM 500754106 12 333 SH   OTR   333 0 0
Thermo Fisher Scientific COM 883556102 5,738 10,044 SH   SOLE   8,194 0 1,850
TotalEnergies SE Sponsored ADR SPONSORED ADS 89151E109 1,517 31,651 SH   SOLE   24,419 0 7,232
Travelers Co., Inc. COM 89417e109 1,137 7,478 SH   SOLE   6,181 0 1,297
Truist Financial Corporation COM 89832Q109 944 16,099 SH   SOLE   9,806 0 6,293
Truist Financial Corporation COM 89832Q109 120 2,050 SH   OTR   2,050 0 0
Tyson Foods Inc. CL A 902494103 4,503 57,047 SH   SOLE   55,905 0 1,142
U.S. Bancorp COM NEW 902973304 2,292 38,556 SH   SOLE   31,477 0 7,079
Ulta Salon, Cosmetics & Fragra COM 90384S303 1,397 3,872 SH   SOLE   3,872 0 0
Union Pacific Corp. COM 907818108 3,429 17,492 SH   SOLE   15,560 0 1,932
Union Pacific Corp. COM 907818108 38 196 SH   OTR   196 0 0
United Parcel Service, Inc. CL B 911312106 3,815 20,953 SH   SOLE   20,537 0 416
United Parcel Service, Inc. CL B 911312106 91 500 SH   OTR   500 0 0
UnitedHealth Group, Inc. COM 91324P102 1,241 3,177 SH   SOLE   3,177 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 215 1,400 SH   SOLE   1,400 0 0
Vanguard Communications Servic COMM SRVC ETF 92204A884 5,594 39,736 SH   SOLE   37,933 0 1,803
Vanguard Index Fds Growth ETF GROWTH ETF 922908736 259 891 SH   SOLE   791 0 100
Vanguard Index Fds Total Stk M TOTAL STK MKT 922908769 422 1,900 SH   SOLE   1,900 0 0
Vanguard Information Technolog INF TECH ETF 92204A702 15,820 39,422 SH   SOLE   37,869 0 1,553
Verizon Communications COM 92343v104 1,427 26,404 SH   SOLE   21,784 0 4,620
Vicor Corporation COM 925815102 3,550 26,465 SH   SOLE   26,465 0 0
Virginia National Bankshares C COM 928031103 281 7,777 SH   SOLE   7,777 0 0
Visa Inc. COM 92826C839 4,731 21,240 SH   SOLE   17,580 0 3,660
Wal-Mart Stores COM 931142103 157 1,125 SH   SOLE   1,075 0 50
Wal-Mart Stores COM 931142103 84 600 SH   OTR   600 0 0
Walgreens Boots Alliance, Inc. COM 931427108 1,402 29,788 SH   SOLE   23,903 0 5,885
Waters Corp. COM 941848103 2,918 8,167 SH   SOLE   8,167 0 0
Wells Fargo & Co. COM 949746101 3,581 77,150 SH   SOLE   69,310 0 7,840
Wells Fargo & Co. COM 949746101 70 1,500 SH   OTR   1,400 0 100
World Fuel Services Corpt. COM 981475106 1,087 32,340 SH   SOLE   32,340 0 0