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
3M CO COM COM 88579y101 2,288 12,812 SH   SOLE   12,812 0 0
ABBOTT LABS COM COM 002824100 1,768 46,034 SH   SOLE   46,034 0 0
ABBVIE INC. COM COM 00287Y109 3,125 49,904 SH   SOLE   49,904 0 0
ADOBE SYSTEMS INC COM 00724f101 661 6,422 SH   SOLE   6,422 0 0
AFLAC INC COM 001055102 224 3,222 SH   SOLE   3,222 0 0
ALTRIA GROUP INC COM COM 02209s103 1,077 15,932 SH   SOLE   15,932 0 0
AMERICAN ELECTRIC POWER CO COM 025537101 386 6,128 SH   SOLE   6,128 0 0
AMERICAN TOWER CORP CL A COM 03027x100 560 5,300 SH   SOLE   5,300 0 0
AMGEN INC COM 031162100 1,229 8,405 SH   SOLE   8,405 0 0
APPLE COMPUTER INC COM 037833100 3,389 29,260 SH   SOLE   29,260 0 0
AT&T INC COM COM 00206r102 2,108 49,562 SH   SOLE   49,562 0 0
BANK OF AMERICA COM COM 060505104 3,071 138,938 SH   SOLE   138,938 0 0
BANK OF THE JAMES COM COM 470299108 2,363 155,762 SH   SOLE   155,762 0 0
BARNES GROUP INC COM COM 067806109 1,360 28,675 SH   SOLE   28,675 0 0
BB & T CORP COM COM 054937107 4,103 87,262 SH   SOLE   87,262 0 0
BECTON DICKINSON & CO COM 075887109 354 2,141 SH   SOLE   2,141 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702 4,110 25,215 SH   SOLE   25,215 0 0
BOEING CO COM 097023105 3,094 19,875 SH   SOLE   19,875 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 455 7,785 SH   SOLE   7,785 0 0
CANADIAN NATL RAIL COM 136375102 970 14,391 SH   SOLE   14,391 0 0
CAPITAL ONE FINL CORP COM COM 14040h105 212 2,425 SH   SOLE   2,425 0 0
CARMAX INC COM 143130102 1,628 25,290 SH   SOLE   25,290 0 0
CHEVRON CORP COM COM 166764100 4,660 39,596 SH   SOLE   39,596 0 0
CINCINNATI FINANCIAL CORP COM 172062101 318 4,200 SH   SOLE   4,200 0 0
CISCO SYSTEMS INC COM 17275r102 2,805 92,833 SH   SOLE   92,833 0 0
COCA COLA COMPANY COM 191216100 389 9,377 SH   SOLE   9,377 0 0
COLGATE PALMOLIVE CO COM 194162103 208 3,186 SH   SOLE   3,186 0 0
COMCAST CORP CL A COM 20030n101 1,852 26,821 SH   SOLE   26,821 0 0
CONOCOPHILLIPS COM COM 20825c104 676 13,486 SH   SOLE   13,486 0 0
CONSOLIDATED EDISON COM COM 209115104 206 2,800 SH   SOLE   2,800 0 0
CSX CORPORATION COM 126408103 462 12,869 SH   SOLE   12,869 0 0
CVS CORP COM 126650100 5,787 73,338 SH   SOLE   73,338 0 0
DISNEY WALT COMPANY HOLDING CO COM 254687106 4,878 46,805 SH   SOLE   46,805 0 0
DOMINION RES INC VA COM COM 25746u109 3,795 49,552 SH   SOLE   49,552 0 0
DOW CHEM CO COM 260543103 299 5,219 SH   SOLE   5,219 0 0
DUKE ENERGY CORP NEW COM COM 26441c204 1,072 13,805 SH   SOLE   13,805 0 0
EMERSON ELECTRIC CO COM 291011104 245 4,387 SH   SOLE   4,387 0 0
ENBRIDGE INC COM 29250N105 1,161 27,559 SH   SOLE   27,559 0 0
EOG RES INC COM COM 26875p101 450 4,450 SH   SOLE   4,450 0 0
EXPEDIA INC DEL COM 30212p105 1,014 8,947 SH   SOLE   8,947 0 0
EXXON MOBIL CORP COM 30231g102 10,368 114,865 SH   SOLE   114,865 0 0
FACEBOOK INC CL A COM 30303M102 367 3,190 SH   SOLE   3,190 0 0
FEDEX CORP COM COM 31428x106 2,431 13,057 SH   SOLE   13,057 0 0
FORD MOTOR CO DEL COM PAR COM 345370860 605 49,897 SH   SOLE   49,897 0 0
GENERAL ELECTRIC CO COM COM 369604103 6,622 209,547 SH   SOLE   209,547 0 0
GENERAL MLS INC COM 370334104 1,188 19,236 SH   SOLE   19,236 0 0
GOOGLE INC CL A COM 38259P508 2,915 3,678 SH   SOLE   3,678 0 0
HOME DEPOT INC COM 437076102 3,553 26,503 SH   SOLE   26,503 0 0
HONEYWELL INTL INC COM 438516106 4,044 34,905 SH   SOLE   34,905 0 0
INTEL CORP COM COM 458140100 284 7,833 SH   SOLE   7,833 0 0
INTERNATIONAL BUSINESS MACHS C ETF 459200101 3,745 22,562 SH   SOLE   22,562 0 0
INTERNATIONAL PAPER CO ETF 460146103 1,419 26,748 SH   SOLE   26,748 0 0
ISHARES CORE TOTAL U.S. BOND M ETF 464287226 4,079 37,747 SH   SOLE   37,747 0 0
ISHARES DJ US REG BANKS ETF 464288778 496 10,925 SH   SOLE   10,925 0 0
ISHARES DOW JNS US FINCL ETF 464287788 3,576 35,245 SH   SOLE   35,245 0 0
ISHARES EUROPE ETF ETF 464287861 728 18,756 SH   SOLE   18,756 0 0
ISHARES HIGH DIV EQ ETF ETF 46429B663 1,686 20,500 SH   SOLE   20,500 0 0
ISHARES LEHMAN 1-3YR TRS ETF 464287457 228 2,700 SH   SOLE   2,700 0 0
ISHARES S&P NATIONAL MUNI ETF 464288414 698 6,450 SH   SOLE   6,450 0 0
ISHARES TR BARCLYS INTER GV ETF 464288612 791 7,200 SH   SOLE   7,200 0 0
ISHARES TR DJ SEL DIV INX ETF 464287168 340 3,834 SH   SOLE   3,834 0 0
ISHARES TR DJ US TECH SEC ETF 464287721 1,912 15,900 SH   SOLE   15,900 0 0
ISHARES TRUST RUSSELL 1000 VAL ETF 464287598 219 1,955 SH   SOLE   1,955 0 0
ISHARES US HLTHCARE ETF ETF 464287762 3,431 23,803 SH   SOLE   23,803 0 0
JOHNSON & JOHNSON COM COM 478160104 6,619 57,451 SH   SOLE   57,451 0 0
JP MORGAN CHASE & CO COM 46625h100 2,431 28,178 SH   SOLE   28,178 0 0
JPMORGAN CHASE & CO ALERIAN ML COM 46625H365 355 11,220 SH   SOLE   11,220 0 0
KIMBERLY CLARK CORP COM COM 494368103 2,305 20,195 SH   SOLE   20,195 0 0
KRAFT HEINZ CO COM COM 500754106 350 4,012 SH   SOLE   4,012 0 0
KROGER CO COM 501044101 1,770 51,285 SH   SOLE   51,285 0 0
LINCOLN NATIONAL CORP COM 534187109 699 10,553 SH   SOLE   10,553 0 0
MATTEL INC COM 577081102 1,147 41,630 SH   SOLE   41,630 0 0
MCDONALDS CORP COM 580135101 1,745 14,340 SH   SOLE   14,340 0 0
MCKESSON CORP COM COM 58155q103 1,902 13,540 SH   SOLE   13,540 0 0
MERCK & CO INC NEW COM COM 58933Y105 2,192 37,239 SH   SOLE   37,239 0 0
METLIFE INC COM COM 59156R108 351 6,508 SH   SOLE   6,508 0 0
MICROSOFT CORP COM COM 594918104 6,416 103,245 SH   SOLE   103,245 0 0
MONDELEZ INTL INC CL A COM 609207105 376 8,478 SH   SOLE   8,478 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,886 35,956 SH   SOLE   35,956 0 0
NORWOOD FINL CORP COM 669549107 208 6,270 SH   SOLE   6,270 0 0
NOVO NORDISK A S ADR COM 670100205 442 12,325 SH   SOLE   12,325 0 0
ORACLE CORP COM COM 68389x105 977 25,419 SH   SOLE   25,419 0 0
PEPSICO INC COM 713448108 6,816 65,142 SH   SOLE   65,142 0 0
PFIZER INC COM COM 717081103 2,458 75,669 SH   SOLE   75,669 0 0
PHILIP MORRIS INTL INC COM COM 718172109 1,366 14,933 SH   SOLE   14,933 0 0
PINNACLE BANKSHARES CORP COM 72345E102 241 8,349 SH   SOLE   8,349 0 0
POWERSHARES ETF TR II PFD PORT ETF 73936T565 156 10,970 SH   SOLE   10,970 0 0
PROCTER & GAMBLE CO COM 742718109 7,621 90,636 SH   SOLE   90,636 0 0
RAYTHEON COM 755111507 355 2,500 SH   SOLE   2,500 0 0
ROCKWELL AUTOMATION INC COM 773903109 216 1,610 SH   SOLE   1,610 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y506 342 4,535 SH   SOLE   4,535 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y605 297 12,795 SH   SOLE   12,795 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y886 708 14,572 SH   SOLE   14,572 0 0
SHERWIN WILLIAMS CO COM COM 824348106 399 1,484 SH   SOLE   1,484 0 0
SOUTHERN CO COM COM 842587107 2,978 60,548 SH   SOLE   60,548 0 0
SPDR SERIES TRUST S&P DIVID ET COM 78464A763 474 5,540 SH   SOLE   5,540 0 0
STARBUCKS CORP COM COM 855244109 1,934 34,840 SH   SOLE   34,840 0 0
SUNTRUST BANKS INC COM 867914103 666 12,146 SH   SOLE   12,146 0 0
SYNOVUS FINL CORP COM NEW COM 87161C501 490 11,934 SH   SOLE   11,934 0 0
TANGER FACTRY OUTLET CTR COM 875465106 683 19,100 SH   SOLE   19,100 0 0
TIDEWATER INC COM COM 886423102 73 21,400 SH   SOLE   21,400 0 0
TIME WARNER INC NEW COM 887317303 205 2,119 SH   SOLE   2,119 0 0
UNDER ARMOUR INC CL C COM 904311206 585 23,250 SH   SOLE   23,250 0 0
UNION BANKSHARES CORPORATION COM 90539J109 334 9,352 SH   SOLE   9,352 0 0
UNION PACIFIC CORP COM COM 907818108 1,104 10,650 SH   SOLE   10,650 0 0
UNITED PARCEL SVC INC CL B COM 911312106 1,685 14,699 SH   SOLE   14,699 0 0
UNITED TECHNOLOGIES CORP DEL C COM 913017109 5,421 49,454 SH   SOLE   49,454 0 0
V F CORP COM 918204108 1,059 19,855 SH   SOLE   19,855 0 0
VANGUARD ADMIRAL FDS SMLLCP 60 ETF 921932828 294 2,365 SH   SOLE   2,365 0 0
VANGUARD INDEX FDS LARGE CAP E ETF 922908637 510 4,983 SH   SOLE   4,983 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 235 1,788 SH   SOLE   1,788 0 0
VANGUARD INTL EQUITY I ALLWRLD ETF 922042775 217 4,913 SH   SOLE   4,913 0 0
VANGUARD TOTAL INT'L ETF ETF 921909768 784 17,090 SH   SOLE   17,090 0 0
VANGUARD TOTL STK MK ETF ETF 922908769 245 2,125 SH   SOLE   2,125 0 0
VERIZON COMMUNICATIONS COM COM 92343v104 8,619 161,463 SH   SOLE   161,463 0 0
VISA INC COM CL A COM 92826C839 3,280 42,043 SH   SOLE   42,043 0 0
WAL-MART STORES INC COM 931142103 2,047 29,620 SH   SOLE   29,620 0 0
WELLS FARGO & CO NEW COM COM 949746101 3,262 59,197 SH   SOLE   59,197 0 0
WESTERN UNION CO COM 959802109 1,673 77,042 SH   SOLE   77,042 0 0
WEYERHAEUSER CO COM 962166104 1,247 41,434 SH   SOLE   41,434 0 0
HEALTH CARE REIT INC COM 42217k106 632 9,445 SH   SOLE   9,445 0 0
REDWOOD TRUST COMMON STOCK COM 758075402 510 33,555 SH   SOLE   33,555 0 0
VENTAS INC COM COM 92276F100 3,006 48,087 SH   SOLE   48,087 0 0
WASHINGTON REIT COM 939653101 329 10,050 SH   SOLE   10,050 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 641 4,658 SH   SOLE   4,658 0 0
ISHARES TR MSCI EAFE INDEX FD ETF 464287465 213 3,684 SH   SOLE   3,684 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 323 2,398 SH   SOLE   2,398 0 0
ISHARES TR S&P MIDCAP 400 ETF 464287507 5,363 32,439 SH   SOLE   32,439 0 0
ISHARES TR US PFD STK IDX ETF 464288687 3,808 102,341 SH   SOLE   102,341 0 0
ISHARES TRUST S&P 500 INDEX FU ETF 464287200 795 3,534 SH   SOLE   3,534 0 0
POWERSHARES QQQ TRUST UNIT SER ETF 73935a104 4,168 35,182 SH   SOLE   35,182 0 0
STANDARD & POORS DEPOSITARY RE ETF 78462f103 9,365 41,896 SH   SOLE   41,896 0 0
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 205 1,835 SH   SOLE   1,835 0 0
VANGUARD SPECIALIZED P DIV APP ETF 921908844 7,770 91,217 SH   SOLE   91,217 0 0
ISHARES TR EAFE MIN VOL ETF ETF 46429B689 200 3,272 SH   SOLE   3,272 0 0
ISHARES TR U.S. CNSM SV ETF ETF 464287580 213 1,407 SH   SOLE   1,407 0 0
ISHARES TR USA MIN VOL ETF ETF 46429B697 260 5,759 SH   SOLE   5,759 0 0