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 2,418 12,637 SH   SOLE   12,637 0 0
ABBOTT LABS COM COM 002824100 3,066 69,034 SH   SOLE   69,034 0 0
ABBVIE INC. COM COM 00287Y109 3,268 50,159 SH   SOLE   50,159 0 0
ADOBE SYSTEMS INC COM 00724f101 829 6,372 SH   SOLE   6,372 0 0
AFLAC INC COM 001055102 233 3,222 SH   SOLE   3,222 0 0
ALPHABET INC CAP STK CL A COM 02079K305 3,514 4,145 SH   SOLE   4,145 0 0
ALTRIA GROUP INC COM COM 02209s103 1,138 15,932 SH   SOLE   15,932 0 0
AMERICAN ELECTRIC POWER CO COM 025537101 418 6,233 SH   SOLE   6,233 0 0
AMERICAN TOWER CORP CL A COM 03027x100 644 5,300 SH   SOLE   5,300 0 0
AMGEN INC COM 031162100 1,358 8,275 SH   SOLE   8,275 0 0
APPLE COMPUTER INC COM 037833100 4,188 29,150 SH   SOLE   29,150 0 0
AT&T INC COM COM 00206r102 2,090 50,300 SH   SOLE   50,300 0 0
BANK OF AMERICA COM COM 060505104 3,250 137,774 SH   SOLE   137,774 0 0
BANK OF THE JAMES COM COM 470299108 2,236 152,880 SH   SOLE   152,880 0 0
BARNES GROUP INC COM COM 067806109 1,425 27,750 SH   SOLE   27,750 0 0
BB & T CORP COM COM 054937107 4,071 91,069 SH   SOLE   91,069 0 0
BECTON DICKINSON & CO COM 075887109 458 2,497 SH   SOLE   2,497 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702 4,209 25,250 SH   SOLE   25,250 0 0
BOEING CO COM 097023105 3,315 18,746 SH   SOLE   18,746 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 426 7,825 SH   SOLE   7,825 0 0
CANADIAN NATL RAIL COM 136375102 1,049 14,191 SH   SOLE   14,191 0 0
CAPITAL ONE FINL CORP COM COM 14040h105 210 2,425 SH   SOLE   2,425 0 0
CARMAX INC COM 143130102 1,468 24,790 SH   SOLE   24,790 0 0
CHEVRON CORP COM COM 166764100 4,299 40,041 SH   SOLE   40,041 0 0
CINCINNATI FINANCIAL CORP COM 172062101 304 4,200 SH   SOLE   4,200 0 0
CISCO SYSTEMS INC COM 17275r102 3,123 92,403 SH   SOLE   92,403 0 0
COCA COLA COMPANY COM 191216100 398 9,389 SH   SOLE   9,389 0 0
COLGATE PALMOLIVE CO COM 194162103 233 3,186 SH   SOLE   3,186 0 0
COMCAST CORP CL A COM 20030n101 2,481 66,009 SH   SOLE   66,009 0 0
CONOCOPHILLIPS COM COM 20825c104 651 13,046 SH   SOLE   13,046 0 0
CONSOLIDATED EDISON COM COM 209115104 217 2,800 SH   SOLE   2,800 0 0
CSX CORPORATION COM 126408103 562 12,069 SH   SOLE   12,069 0 0
CVS CORP COM 126650100 5,762 73,407 SH   SOLE   73,407 0 0
DISNEY WALT COMPANY HOLDING COM 254687106 5,279 46,555 SH   SOLE   46,555 0 0
DOMINION RES INC VA COM COM 25746u109 4,624 59,607 SH   SOLE   59,607 0 0
DOW CHEM CO COM 260543103 332 5,219 SH   SOLE   5,219 0 0
DUKE ENERGY CORP NEW COM COM 26441c204 1,073 13,085 SH   SOLE   13,085 0 0
EMERSON ELECTRIC CO COM 291011104 263 4,387 SH   SOLE   4,387 0 0
ENBRIDGE INC COM 29250N105 1,795 42,906 SH   SOLE   42,906 0 0
EOG RES INC COM COM 26875p101 449 4,600 SH   SOLE   4,600 0 0
EXPEDIA INC DEL COM 30212P303 1,123 8,897 SH   SOLE   8,897 0 0
EXXON MOBIL CORP COM 30231g102 9,400 114,624 SH   SOLE   114,624 0 0
FACEBOOK INC CL A COM 30303M102 439 3,090 SH   SOLE   3,090 0 0
FEDEX CORP COM COM 31428x106 2,633 13,491 SH   SOLE   13,491 0 0
FORD MOTOR CO DEL COM PAR COM 345370860 535 45,997 SH   SOLE   45,997 0 0
GENERAL ELECTRIC CO COM COM 369604103 5,903 198,089 SH   SOLE   198,089 0 0
GENERAL MLS INC COM 370334104 1,112 18,851 SH   SOLE   18,851 0 0
HOME DEPOT INC COM 437076102 3,783 25,764 SH   SOLE   25,764 0 0
HOMETOWN BANKSHARES CO COM COM 43787N108 151 15,558 SH   SOLE   15,558 0 0
HONEYWELL INTL INC COM 438516106 4,302 34,450 SH   SOLE   34,450 0 0
INTEL CORP COM COM 458140100 317 8,793 SH   SOLE   8,793 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,827 21,977 SH   SOLE   21,977 0 0
INTERNATIONAL PAPER CO COM 460146103 2,068 40,723 SH   SOLE   40,723 0 0
ISHARES TR BARCLYS INTER GV ETF 464288612 763 6,925 SH   SOLE   6,925 0 0
ISHARES TR DJ SEL DIV INX ETF 464287168 296 3,250 SH   SOLE   3,250 0 0
ISHARES TR DJ US TECH SEC ETF 464287721 2,163 16,000 SH   SOLE   16,000 0 0
ISHARES TRUST RUSSELL 1000 GRO ETF 464287614 215 1,885 SH   SOLE   1,885 0 0
ISHARES TRUST RUSSELL 1000 VAL ETF 464287598 225 1,955 SH   SOLE   1,955 0 0
ISHARES U.S. FINANCIALS ETF ETF 464287788 3,636 34,945 SH   SOLE   34,945 0 0
ISHARES US HLTHCARE ETF ETF 464287762 3,663 23,528 SH   SOLE   23,528 0 0
ISHARES US REGIONAL BANK ETF ETF 464288778 494 11,025 SH   SOLE   11,025 0 0
JOHNSON & JOHNSON COM COM 478160104 7,141 57,337 SH   SOLE   57,337 0 0
JP MORGAN CHASE & CO COM 46625h100 4,296 48,903 SH   SOLE   48,903 0 0
JPMORGAN CHASE & CO ALERIAN ML COM 46625H365 366 11,330 SH   SOLE   11,330 0 0
KIMBERLY CLARK CORP COM COM 494368103 2,665 20,245 SH   SOLE   20,245 0 0
KRAFT HEINZ CO COM COM 500754106 364 4,012 SH   SOLE   4,012 0 0
KROGER CO COM 501044101 1,534 52,010 SH   SOLE   52,010 0 0
LINCOLN NATIONAL CORP COM 534187109 521 7,953 SH   SOLE   7,953 0 0
MATTEL INC COM 577081102 1,076 42,005 SH   SOLE   42,005 0 0
MCDONALDS CORP COM 580135101 1,846 14,240 SH   SOLE   14,240 0 0
MCKESSON CORP COM COM 58155q103 1,084 7,310 SH   SOLE   7,310 0 0
MERCK & CO INC NEW COM COM 58933Y105 2,336 36,760 SH   SOLE   36,760 0 0
METLIFE INC COM COM 59156R108 349 6,608 SH   SOLE   6,608 0 0
MICROSOFT CORP COM COM 594918104 6,667 101,233 SH   SOLE   101,233 0 0
MONDELEZ INTL INC CL A COM 609207105 365 8,478 SH   SOLE   8,478 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,002 35,746 SH   SOLE   35,746 0 0
NORWOOD FINL CORP COM 669549107 263 6,270 SH   SOLE   6,270 0 0
NOVO NORDISK A S ADR COM 670100205 423 12,325 SH   SOLE   12,325 0 0
ORACLE CORP COM COM 68389x105 870 19,509 SH   SOLE   19,509 0 0
PEPSICO INC COM 713448108 7,215 64,497 SH   SOLE   64,497 0 0
PFIZER INC COM COM 717081103 2,578 75,359 SH   SOLE   75,359 0 0
PHILIP MORRIS INTL INC COM COM 718172109 1,686 14,933 SH   SOLE   14,933 0 0
PINNACLE BANKSHARES CORP COM 72345E102 238 8,349 SH   SOLE   8,349 0 0
POWERSHARES ETF TR II PFD PORT ETF 73936T565 163 10,970 SH   SOLE   10,970 0 0
PROCTER & GAMBLE CO COM 742718109 8,070 89,811 SH   SOLE   89,811 0 0
RAYTHEON COM 755111507 381 2,500 SH   SOLE   2,500 0 0
ROCKWELL AUTOMATION INC COM 773903109 251 1,610 SH   SOLE   1,610 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y506 336 4,800 SH   SOLE   4,800 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y605 304 12,795 SH   SOLE   12,795 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y886 730 14,222 SH   SOLE   14,222 0 0
SHERWIN WILLIAMS CO COM COM 824348106 431 1,389 SH   SOLE   1,389 0 0
SOUTHERN CO COM COM 842587107 3,060 61,473 SH   SOLE   61,473 0 0
SPDR SERIES TRUST S&P DIVID ET ETF 78464A763 488 5,540 SH   SOLE   5,540 0 0
STARBUCKS CORP COM COM 855244109 2,075 35,540 SH   SOLE   35,540 0 0
SUNTRUST BANKS INC COM 867914103 653 11,809 SH   SOLE   11,809 0 0
SYNOVUS FINL CORP COM NEW COM 87161C501 535 13,043 SH   SOLE   13,043 0 0
TANGER FACTRY OUTLET CTR COM 875465106 614 18,750 SH   SOLE   18,750 0 0
TIME WARNER INC NEW COM 887317303 207 2,119 SH   SOLE   2,119 0 0
UNDER ARMOUR INC CL C COM 904311206 419 22,900 SH   SOLE   22,900 0 0
UNION BANKSHARES CORPORATION COM 90539J109 313 8,906 SH   SOLE   8,906 0 0
UNION PACIFIC CORP COM COM 907818108 1,107 10,450 SH   SOLE   10,450 0 0
UNITED PARCEL SVC INC CL B COM 911312106 1,578 14,709 SH   SOLE   14,709 0 0
UNITED TECHNOLOGIES CORP DEL C COM 913017109 5,373 47,879 SH   SOLE   47,879 0 0
US BANCORP DEL COM COM 902973304 216 4,185 SH   SOLE   4,185 0 0
V F CORP COM 918204108 1,125 20,465 SH   SOLE   20,465 0 0
VANGUARD INDEX FDS LARGE CAP E ETF 922908637 524 4,851 SH   SOLE   4,851 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 249 1,788 SH   SOLE   1,788 0 0
VANGUARD INTL EQUITY I ALLWRLD ETF 922042775 236 4,924 SH   SOLE   4,924 0 0
VANGUARD S&P FDS SMALL-CAP 600 ETF 921932828 305 2,425 SH   SOLE   2,425 0 0
VANGUARD SMALL CAP ETF ETF 922908751 343 2,575 SH   SOLE   2,575 0 0
VANGUARD TOTAL INT'L ETF ETF 921909768 1,366 27,490 SH   SOLE   27,490 0 0
VERIZON COMMUNICATIONS COM COM 92343v104 7,940 162,868 SH   SOLE   162,868 0 0
VISA INC COM CL A COM 92826C839 3,768 42,403 SH   SOLE   42,403 0 0
WAL-MART STORES INC COM 931142103 2,149 29,815 SH   SOLE   29,815 0 0
WELLS FARGO & CO NEW COM COM 949746101 2,010 36,117 SH   SOLE   36,117 0 0
WESTERN UNION CO COM 959802109 1,558 76,542 SH   SOLE   76,542 0 0
WEYERHAEUSER CO COM 962166104 1,374 40,434 SH   SOLE   40,434 0 0
REDWOOD TRUST COMMON STOCK COM 758075402 547 32,905 SH   SOLE   32,905 0 0
VENTAS INC COM COM 92276F100 3,119 47,952 SH   SOLE   47,952 0 0
WASHINGTON REIT COM 939653101 296 9,450 SH   SOLE   9,450 0 0
WELLTOWER INC COM 95040Q104 669 9,445 SH   SOLE   9,445 0 0
ISHARES EUROPE ETF ETF 464287861 717 17,125 SH   SOLE   17,125 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 557 8,053 SH   SOLE   8,053 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 4,231 38,997 SH   SOLE   38,997 0 0
ISHARES TR MSCI EAFE INDEX FD ETF 464287465 220 3,536 SH   SOLE   3,536 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 330 2,398 SH   SOLE   2,398 0 0
ISHARES TR S&P MIDCAP 400 ETF 464287507 5,554 32,439 SH   SOLE   32,439 0 0
ISHARES TR US PFD STK IDX ETF 464288687 3,993 103,191 SH   SOLE   103,191 0 0
ISHARES TRUST S&P 500 INDEX FU ETF 464287200 807 3,401 SH   SOLE   3,401 0 0
POWERSHARES QQQ TRUST UNIT SER ETF 73935a104 4,817 36,387 SH   SOLE   36,387 0 0
STANDARD & POORS DEPOSITARY RE ETF 78462f103 9,696 41,131 SH   SOLE   41,131 0 0
VANGUARD INDEX FDS S&P 500 ETF ETF 922908363 238 1,100 SH   SOLE   1,100 0 0
VANGUARD SPECIALIZED P DIV APP ETF 921908844 8,170 90,844 SH   SOLE   90,844 0 0
VANGUARD TOTL STK MK ETF ETF 922908769 500 4,125 SH   SOLE   4,125 0 0
ISHARES CORE HIGH DIV ETF ETF 46429B663 1,717 20,480 SH   SOLE   20,480 0 0
ISHARES TR EAFE MIN VOL ETF ETF 46429B689 216 3,272 SH   SOLE   3,272 0 0
ISHARES TR U.S. CNSM SV ETF ETF 464287580 226 1,407 SH   SOLE   1,407 0 0
ISHARES TR USA MIN VOL ETF ETF 46429B697 275 5,763 SH   SOLE   5,763 0 0