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
Estimated average burden
hours per response: 23.8
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
MFS Intermediate Income Tr SBI COM 55273C107 167 44,800 SH   SOLE   44,800 0 0
Nuveen Preferred & Income Oppo COM 67073B106 1,526 179,700 SH   SOLE   179,700 0 0
TCW Strategic Income Fund COM 872340104 541 96,300 SH   SOLE   86,300 0 10,000
DTF Tax Free Income COM 23334J107 162 11,186 SH   SOLE   11,186 0 0
Nuveen AMT Free Quality Muni I COM 670657105 163 11,395 SH   SOLE   11,395 0 0
Nuveen Muni Value Fd COM 670928100 1,496 140,305 SH   SOLE   134,205 0 6,100
Nuveen Select Tax Free Income COM 67063C106 152 10,155 SH   SOLE   10,155 0 0
Western Asset Municipal Partne COM 95766P108 211 14,650 SH   SOLE   14,650 0 0
3 M Company COM 88579Y101 555 3,466 SH   SOLE   3,316 0 150
AT & T COM 00206R102 1,918 67,268 SH   SOLE   66,393 0 875
AbbVie Inc COM 00287Y109 6,714 76,651 SH   SOLE   75,541 0 1,110
Abbott Laboratories COM 002824100 7,525 69,147 SH   SOLE   66,872 0 2,275
Adobe Inc COM 00724F101 13,673 27,880 SH   SOLE   26,800 0 1,080
Advance Auto Parts COM 00751Y106 406 2,646 SH   SOLE   2,646 0 0
Akamai Technologies COM 00971T101 5,943 53,765 SH   SOLE   52,415 0 1,350
Alphabet Cl A COM 02079K305 5,892 4,020 SH   SOLE   3,883 0 137
Alphabet Cl C COM 02079K107 8,374 5,698 SH   SOLE   5,511 0 187
Altria Group COM 02209S103 354 9,163 SH   SOLE   8,763 0 400
Amazon.Com COM 023135106 8,911 2,830 SH   SOLE   2,665 0 165
American Elec Pwr COM 025537101 1,395 17,074 SH   SOLE   17,074 0 0
American National Bankshares COM 027745108 731 34,928 SH   SOLE   34,928 0 0
American Tower New COM 03027X100 4,371 18,082 SH   SOLE   17,535 0 547
Amgen Inc COM 031162100 308 1,210 SH   SOLE   1,210 0 0
Annaly Capital Mgmt COM 035710409 79 11,150 SH   SOLE   10,850 0 300
Anthem Inc COM 036752103 436 1,625 SH   SOLE   1,625 0 0
Apple Inc COM 037833100 29,293 252,943 SH   SOLE   249,333 0 3,610
Atlantic Union Bankshares COM 04911A107 1,113 52,070 SH   SOLE   52,070 0 0
Bank of America Corp COM 060505104 780 32,358 SH   SOLE   32,358 0 0
Bank of Fincastle COM 062113105 38 18,390 SH   SOLE   18,390 0 0
Bank of New York Mellon Corp COM 064058100 943 27,463 SH   SOLE   27,463 0 0
Benchmark Bankshares New COM 08160E207 604 43,610 SH   SOLE   43,610 0 0
Berkshire Hathaway Cl B COM 084670702 2,639 12,394 SH   SOLE   12,394 0 0
Boeing Co COM 097023105 260 1,574 SH   SOLE   1,574 0 0
Bristol-Myers Squibb COM 110122108 3,380 56,064 SH   SOLE   54,054 0 2,010
CSX Corp COM 126408103 535 6,889 SH   SOLE   6,889 0 0
Capital One Finl COM 14040H105 287 3,989 SH   SOLE   3,989 0 0
Carrier Global COM 14448C104 342 11,190 SH   SOLE   11,190 0 0
Caterpillar Inc COM 149123101 718 4,814 SH   SOLE   4,814 0 0
Chevron Corp COM 166764100 1,069 14,841 SH   SOLE   14,841 0 0
Cisco Systems COM 17275R102 2,950 74,886 SH   SOLE   73,236 0 1,650
Coca-Cola Co COM 191216100 1,297 26,262 SH   SOLE   26,262 0 0
Colgate Palmolive Co COM 194162103 246 3,195 SH   SOLE   3,195 0 0
ConocoPhillips COM 20825C104 247 7,520 SH   SOLE   7,095 0 425
Consolidated Edison COM 209115104 2,885 37,085 SH   SOLE   36,060 0 1,025
Danaher Corp COM 235851102 269 1,251 SH   SOLE   1,251 0 0
Delta Air Lines Inc COM 247361702 335 10,950 SH   SOLE   350 0 10,600
DexCom Inc COM 252131107 2,508 6,084 SH   SOLE   5,674 0 410
Digital Realty Trust COM 253868103 210 1,430 SH   SOLE   1,430 0 0
Disney (Walt) Co COM 254687106 1,445 11,647 SH   SOLE   9,197 0 2,450
Dollar General COM 256677105 12,578 60,003 SH   SOLE   58,653 0 1,350
Dominion Energy COM 25746U109 2,463 31,199 SH   SOLE   30,699 0 500
Dover Corp COM 260003108 270 2,493 SH   SOLE   2,493 0 0
Dow (New) COM 260557103 308 6,551 SH   SOLE   6,339 0 212
Duke Energy Corp COM 26441C204 1,664 18,791 SH   SOLE   18,475 0 316
Dupont deNemours COM 26614N102 286 5,159 SH   SOLE   4,947 0 212
Equifax Inc COM 294429105 1,510 9,623 SH   SOLE   9,473 0 150
Estee Lauder Cl A COM 518439104 7,499 34,359 SH   SOLE   33,709 0 650
Exxon Mobil Corp COM 30231G102 1,928 56,158 SH   SOLE   55,058 0 1,100
Fastenal Co COM 311900104 236 5,240 SH   SOLE   3,990 0 1,250
Fidelity Natl Information Serv COM 31620M106 944 6,411 SH   SOLE   6,411 0 0
Ford Motor Company New COM 345370860 566 85,050 SH   SOLE   28,850 0 56,200
General Electric COM 369604103 113 18,129 SH   SOLE   18,129 0 0
Halozyme Therapeutics COM 40637H109 367 13,968 SH   SOLE   13,968 0 0
HealthPeak Pptys COM 42250P103 789 29,073 SH   SOLE   28,873 0 200
Home Depot COM 437076102 10,383 37,389 SH   SOLE   36,544 0 845
Honeywell Int'l COM 438516106 339 2,057 SH   SOLE   2,057 0 0
IBM Corp COM 459200101 905 7,435 SH   SOLE   7,435 0 0
Imperial Resources Inc COM 45308Q106 0 40,000 SH   SOLE   40,000 0 0
Ingersoll-Rand (New) COM 45687V106 224 6,283 SH   SOLE   6,283 0 0
Int'l Paper Co COM 460146103 596 14,697 SH   SOLE   14,247 0 450
Intel Corp COM 458140100 3,921 75,715 SH   SOLE   74,790 0 925
JPMorgan Chase & Co COM 46625H100 661 6,862 SH   SOLE   4,287 0 2,575
Jack Henry & Associates COM 426281101 261 1,605 SH   SOLE   1,605 0 0
Johnson & Johnson COM 478160104 5,987 40,213 SH   SOLE   39,132 0 1,081
Kimberly-Clark COM 494368103 338 2,290 SH   SOLE   2,290 0 0
Lam Research Corp COM 512807108 358 1,080 SH   SOLE   1,080 0 0
Lamb Weston Holdings COM 513272104 247 3,722 SH   SOLE   3,722 0 0
Lilly (Eli) COM 532457108 3,606 24,362 SH   SOLE   23,662 0 700
Lockheed Martin COM 539830109 240 625 SH   SOLE   625 0 0
Lowe's Cos COM 548661107 734 4,427 SH   SOLE   4,327 0 100
Lululemon Athletica COM 550021109 10,602 32,190 SH   SOLE   31,440 0 750
Lumen Technologies (was Centur COM 156700106 135 13,397 SH   SOLE   12,947 0 450
Luna Innovations Inc COM 550351100 60 10,054 SH   SOLE   10,054 0 0
MSCI Inc COM 55354G100 6,762 18,954 SH   SOLE   18,424 0 530
Marsh & McLennan COM 571748102 252 2,193 SH   SOLE   2,193 0 0
McDonald's Corp COM 580135101 1,257 5,729 SH   SOLE   5,659 0 70
Medpace Holdings Inc COM 58506Q109 7,738 69,240 SH   SOLE   67,240 0 2,000
Merck & Co COM 58933Y105 2,322 27,993 SH   SOLE   27,678 0 315
Microsoft Corp COM 594918104 21,497 102,208 SH   SOLE   99,043 0 3,165
NVIDIA Corp COM 67066G104 514 950 SH   SOLE   785 0 165
Netflix Inc COM 64110L106 7,466 14,932 SH   SOLE   14,567 0 365
Nextera Energy COM 65339F101 230 829 SH   SOLE   829 0 0
Nike Inc Cl B COM 654106103 279 2,225 SH   SOLE   2,225 0 0
Nordson Corp COM 655663102 339 1,765 SH   SOLE   1,765 0 0
Norfolk Southern COM 655844108 5,006 23,392 SH   SOLE   23,373 0 19
Northrop Grumman COM 666807102 525 1,664 SH   SOLE   1,389 0 275
Norwegian Cruise line Holdings COM G66721104 388 22,700 SH   SOLE   0 0 22,700
Oneok Inc COM 682680103 639 24,600 SH   SOLE   24,275 0 325
Otis Worldwide COM 68902V107 349 5,593 SH   SOLE   5,593 0 0
PPG Inds COM 693506107 1,377 11,280 SH   SOLE   11,280 0 0
PayPal Holdings COM 70450Y103 1,092 5,540 SH   SOLE   4,440 0 1,100
Pepsico Inc COM 713448108 3,469 25,029 SH   SOLE   24,679 0 350
Pfizer Inc COM 717081103 4,753 129,508 SH   SOLE   128,633 0 875
Philip Morris Intl COM 718172109 344 4,583 SH   SOLE   4,583 0 0
Pinnacle Finl Partners COM 72346Q104 628 17,644 SH   SOLE   17,644 0 0
Potomac Banchares COM 737643106 105 10,771 SH   SOLE   10,771 0 0
Precigen (was Intrexon Corp) COM 74017N105 306 87,544 SH   SOLE   87,544 0 0
Procter & Gamble COM 742718109 1,476 10,616 SH   SOLE   10,616 0 0
Qorvo Inc COM 74736K101 3,307 25,635 SH   SOLE   25,010 0 625
Qualys Inc COM 74758T303 1,440 14,695 SH   SOLE   13,645 0 1,050
RGC Resources COM 74955L103 1,775 75,685 SH   SOLE   74,095 0 1,590
Raytheon Technologies COM 75513E101 570 9,913 SH   SOLE   9,913 0 0
Realty Income Corp COM 756109104 662 10,902 SH   SOLE   10,102 0 800
S&P Global COM 78409V104 216 599 SH   SOLE   599 0 0
Salesforce.com Inc COM 79466L302 210 835 SH   SOLE   835 0 0
Southern Co COM 842587107 3,007 55,454 SH   SOLE   54,754 0 700
Steel Dynamics COM 858119100 771 26,913 SH   SOLE   26,913 0 0
Target Corp COM 87612E106 1,506 9,568 SH   SOLE   9,343 0 225
Teradyne Inc COM 880770102 7,066 88,930 SH   SOLE   86,395 0 2,535
Thermo Fisher Scientific COM 883556102 13,918 31,524 SH   SOLE   30,724 0 800
Travelers Companies COM 89417E109 1,369 12,650 SH   SOLE   12,325 0 325
Truist Financial COM 89832Q109 2,411 63,356 SH   SOLE   63,106 0 250
UDR Inc COM 902653104 915 28,055 SH   SOLE   28,028 0 27
Union Pacific COM 907818108 431 2,188 SH   SOLE   2,188 0 0
UnitedHealth Group COM 91324P102 8,530 27,361 SH   SOLE   26,481 0 880
VISA Cl A COM 92826C839 386 1,928 SH   SOLE   1,778 0 150
Veeva Systems Inc COM 922475108 9,367 33,313 SH   SOLE   32,388 0 925
Verizon Comms COM 92343V104 8,850 148,759 SH   SOLE   144,815 0 3,944
Vulcan Materials COM 929160109 339 2,501 SH   SOLE   2,501 0 0
Wal-Mart Inc COM 931142103 673 4,808 SH   SOLE   4,808 0 0
Walgreens Boots Alliance COM 931427108 673 18,745 SH   SOLE   18,745 0 0
Waste Management COM 94106L109 1,220 10,780 SH   SOLE   10,330 0 450
YUM Brands COM 988498101 266 2,914 SH   SOLE   2,914 0 0
Zimmer Biomet Holdings COM 98956P102 252 1,854 SH   SOLE   1,854 0 0
Ziopharm Oncology COM 98973P101 50 19,648 SH   SOLE   19,648 0 0
Zoetis Inc COM 98978V103 12,803 77,420 SH   SOLE   75,250 0 2,170
Invesco QQQ Trust ETFs 46090E103 575 2,070 SH   SOLE   2,070 0 0
SPDR DJIA ETF Trust ETFs 78467X109 386 1,390 SH   SOLE   1,390 0 0
SPDR S&P 500 ETF Trust ETFs 78462F103 528 1,577 SH   SOLE   1,577 0 0
SPDR Technology Select ETFs 81369Y803 961 8,233 SH   SOLE   8,233 0 0
Vanguard Div App ETF ETFs 921908844 445 3,455 SH   SOLE   3,455 0 0
Vanguard Growth ETF ETFs 922908736 2,142 9,412 SH   SOLE   9,120 0 292
Vanguard Index Fds - Mid Cap E ETFs 922908629 1,487 8,437 SH   SOLE   8,195 0 242
Vanguard Value ETF ETFs 922908744 1,344 12,860 SH   SOLE   12,454 0 406
iShares Russell 2000 ETF ETFs 464287655 1,439 9,605 SH   SOLE   9,605 0 0
iShares Russell 2000 Growth ET ETFs 464287648 1,280 5,778 SH   SOLE   5,582 0 196
iShares S&P 100 Index Fd ETFs 464287101 263 1,690 SH   SOLE   1,690 0 0
iShares S&P SmallCap 600 Index ETFs 464287804 256 3,647 SH   SOLE   3,647 0 0
Vanguard Real Estate ETF ETFs 922908553 1,534 19,425 SH   SOLE   18,034 0 1,391
SPDR Gold Trust ETFs 78463V107 418 2,360 SH   SOLE   2,360 0 0
Alibaba Group Holding Ltd COM 01609W102 8,827 30,027 SH   SOLE   28,422 0 1,605
Aon PLC Cl A COM G0403H108 1,446 7,007 SH   SOLE   7,007 0 0
AstraZeneca PLC ADR COM 046353108 476 8,685 SH   SOLE   8,685 0 0
Atlassian Corp PLC COM G06242104 456 2,510 SH   SOLE   2,475 0 35
Chubb Ltd COM H1467J104 548 4,716 SH   SOLE   4,716 0 0
Globant SA COM L44385109 576 3,215 SH   SOLE   3,215 0 0
Horizon Therapeutics COM G46188101 1,769 22,775 SH   SOLE   22,775 0 0
IHS Markit LTD COM G47567105 343 4,370 SH   SOLE   4,300 0 70
Icon PLC COM G4705A100 297 1,555 SH   SOLE   1,555 0 0
Medtronic PLC COM G5960L103 447 4,298 SH   SOLE   4,298 0 0
Mercadolibre Inc COM 58733R102 552 510 SH   SOLE   510 0 0
NetEase Inc ADS COM 64110W102 273 600 SH   SOLE   600 0 0
New Oriental Education & Tech COM 647581107 221 1,480 SH   SOLE   1,480 0 0
Nice Systems LTD COM 653656108 221 975 SH   SOLE   975 0 0
Open Text Corp COM 683715106 301 7,125 SH   SOLE   7,125 0 0
Rio Tinto PLC ADR COM 767204100 250 4,132 SH   SOLE   4,132 0 0
SAP AG ADR COM 803054204 296 1,900 SH   SOLE   1,900 0 0
SolarEdge Technologies Inc COM 83417M104 429 1,800 SH   SOLE   1,800 0 0
Steris PLC COM G8473T100 251 1,425 SH   SOLE   1,425 0 0
Taiwan Semiconductor Mfg ADS COM 874039100 320 3,950 SH   SOLE   3,950 0 0
Trane Tech PLC F (was Ingersol COM G8994E103 1,029 8,485 SH   SOLE   8,485 0 0
Unilever NV NY Shrs COM 904784709 293 4,850 SH   SOLE   4,850 0 0
Willis Tower Watson COM G96629103 248 1,189 SH   SOLE   1,189 0 0
Vanguard European ETF ETFs 922042874 221 4,220 SH   SOLE   4,220 0 0
Vanguard FTSE Emerging Markets ETFs 922042858 1,647 38,101 SH   SOLE   37,073 0 1,028
iShares MSCI EAFE ETF ETFs 464287465 426 6,700 SH   SOLE   6,700 0 0
iShares MSCI EAFE Growth ETFs 464288885 1,025 11,399 SH   SOLE   10,904 0 495
iShares MSCI EAFE Value Index ETFs 464288877 1,297 32,149 SH   SOLE   31,100 0 1,049
iShares MSCI Emerging Markets ETFs 464287234 1,249 28,335 SH   SOLE   28,335 0 0
Cohen & ST Select Infrastructu COM 19248A109 1,397 62,822 SH   SOLE   61,422 0 1,400
Liberty All-Star Equity Fund COM 530158104 67 11,200 SH   SOLE   11,200 0 0