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 2,563 12,312 SH   SOLE   12,312 0 0
ABBOTT LABS COM COM 002824100 3,274 67,351 SH   SOLE   67,351 0 0
ABBVIE INC. COM COM 00287Y109 1,319 18,190 SH   SOLE   18,190 0 0
ADOBE SYSTEMS INC COM 00724f101 852 6,022 SH   SOLE   6,022 0 0
AFLAC INC COM 001055102 250 3,222 SH   SOLE   3,222 0 0
ALPHABET INC CAP STK CL A COM 02079K305 3,809 4,097 SH   SOLE   4,097 0 0
ALTRIA GROUP INC COM COM 02209s103 1,184 15,902 SH   SOLE   15,902 0 0
AMERICAN ELECTRIC POWER CO COM 025537101 430 6,197 SH   SOLE   6,197 0 0
AMERICAN TOWER CORP CL A COM 03027x100 687 5,195 SH   SOLE   5,195 0 0
AMGEN INC COM 031162100 1,338 7,771 SH   SOLE   7,771 0 0
APPLE COMPUTER INC COM 037833100 3,931 27,298 SH   SOLE   27,298 0 0
AT&T INC COM COM 00206r102 1,992 52,800 SH   SOLE   52,800 0 0
BANK OF AMERICA COM COM 060505104 3,378 139,233 SH   SOLE   139,233 0 0
BANK OF THE JAMES COM COM 470299108 2,799 187,123 SH   SOLE   187,123 0 0
BARNES GROUP INC COM COM 067806109 1,601 27,350 SH   SOLE   27,350 0 0
BB & T CORP COM COM 054937107 4,139 91,144 SH   SOLE   91,144 0 0
BECTON DICKINSON & CO COM 075887109 487 2,497 SH   SOLE   2,497 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702 4,900 28,928 SH   SOLE   28,928 0 0
BOEING CO COM 097023105 3,543 17,917 SH   SOLE   17,917 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 408 7,325 SH   SOLE   7,325 0 0
CANADIAN NATL RAIL COM 136375102 1,127 13,908 SH   SOLE   13,908 0 0
CAPITAL ONE FINL CORP COM COM 14040h105 200 2,425 SH   SOLE   2,425 0 0
CARMAX INC COM 143130102 1,445 22,915 SH   SOLE   22,915 0 0
CHEVRON CORP COM COM 166764100 4,461 42,754 SH   SOLE   42,754 0 0
CINCINNATI FINANCIAL CORP COM 172062101 304 4,200 SH   SOLE   4,200 0 0
CISCO SYSTEMS INC COM 17275r102 2,913 93,070 SH   SOLE   93,070 0 0
COCA COLA COMPANY COM 191216100 340 7,587 SH   SOLE   7,587 0 0
COLGATE PALMOLIVE CO COM 194162103 236 3,186 SH   SOLE   3,186 0 0
COMCAST CORP CL A COM 20030n101 2,502 64,287 SH   SOLE   64,287 0 0
CONOCOPHILLIPS COM COM 20825c104 595 13,546 SH   SOLE   13,546 0 0
CONSOLIDATED EDISON COM COM 209115104 226 2,800 SH   SOLE   2,800 0 0
CSX CORPORATION COM 126408103 586 10,743 SH   SOLE   10,743 0 0
CVS CORP COM 126650100 5,783 71,870 SH   SOLE   71,870 0 0
DISNEY WALT COMPANY HOLDING COM 254687106 4,832 45,476 SH   SOLE   45,476 0 0
DOMINION RES INC VA COM COM 25746u109 4,442 57,970 SH   SOLE   57,970 0 0
DOW CHEM CO COM 260543103 329 5,219 SH   SOLE   5,219 0 0
DUKE ENERGY CORP NEW COM COM 26441c204 1,106 13,227 SH   SOLE   13,227 0 0
EMERSON ELECTRIC CO COM 291011104 262 4,387 SH   SOLE   4,387 0 0
ENBRIDGE INC COM 29250N105 1,766 44,357 SH   SOLE   44,357 0 0
EOG RES INC COM COM 26875p101 593 6,550 SH   SOLE   6,550 0 0
EXPEDIA INC DEL COM 30212P303 1,290 8,663 SH   SOLE   8,663 0 0
EXXON MOBIL CORP COM 30231g102 9,460 117,180 SH   SOLE   117,180 0 0
FACEBOOK INC CL A COM 30303M102 482 3,195 SH   SOLE   3,195 0 0
FEDEX CORP COM COM 31428x106 2,841 13,071 SH   SOLE   13,071 0 0
FORD MOTOR CO DEL COM PAR COM 345370860 198 17,697 SH   SOLE   17,697 0 0
GENERAL ELECTRIC CO COM COM 369604103 5,245 194,187 SH   SOLE   194,187 0 0
GENERAL MLS INC COM 370334104 1,043 18,826 SH   SOLE   18,826 0 0
HOME DEPOT INC COM 437076102 3,906 25,463 SH   SOLE   25,463 0 0
HOMETOWN BANKSHARES CO COM COM 43787N108 167 15,558 SH   SOLE   15,558 0 0
HONEYWELL INTL INC COM 438516106 4,237 31,788 SH   SOLE   31,788 0 0
INTEL CORP COM COM 458140100 289 8,553 SH   SOLE   8,553 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 3,377 21,954 SH   SOLE   21,954 0 0
INTERNATIONAL PAPER CO COM 460146103 2,318 40,940 SH   SOLE   40,940 0 0
ISHARES EUROPE ETF ETF 464287861 771 17,390 SH   SOLE   17,390 0 0
ISHARES TR BARCLYS INTER GV ETF 464288612 774 6,991 SH   SOLE   6,991 0 0
ISHARES TR DJ SEL DIV INX ETF 464287168 315 3,413 SH   SOLE   3,413 0 0
ISHARES TR DJ US TECH SEC ETF 464287721 2,036 14,575 SH   SOLE   14,575 0 0
ISHARES TRUST RUSSELL 1000 GRO ETF 464287614 231 1,938 SH   SOLE   1,938 0 0
ISHARES TRUST RUSSELL 1000 VAL ETF 464287598 234 2,008 SH   SOLE   2,008 0 0
ISHARES U.S. FINANCIALS ETF ETF 464287788 3,542 32,945 SH   SOLE   32,945 0 0
ISHARES US HLTHCARE ETF ETF 464287762 4,271 25,688 SH   SOLE   25,688 0 0
ISHARES US REGIONAL BANK ETF ETF 464288778 461 10,125 SH   SOLE   10,125 0 0
JOHNSON & JOHNSON COM COM 478160104 7,467 56,442 SH   SOLE   56,442 0 0
JP MORGAN CHASE & CO COM 46625h100 4,536 49,624 SH   SOLE   49,624 0 0
JPMORGAN CHASE & CO ALERIAN ML COM 46625H365 351 11,830 SH   SOLE   11,830 0 0
KIMBERLY CLARK CORP COM COM 494368103 2,526 19,565 SH   SOLE   19,565 0 0
KRAFT HEINZ CO COM COM 500754106 318 3,712 SH   SOLE   3,712 0 0
KROGER CO COM 501044101 1,217 52,201 SH   SOLE   52,201 0 0
LINCOLN NATIONAL CORP COM 534187109 592 8,757 SH   SOLE   8,757 0 0
MATTEL INC COM 577081102 922 42,830 SH   SOLE   42,830 0 0
MCDONALDS CORP COM 580135101 2,169 14,160 SH   SOLE   14,160 0 0
MCKESSON CORP COM COM 58155q103 1,104 6,712 SH   SOLE   6,712 0 0
MERCK & CO INC NEW COM COM 58933Y105 2,419 37,742 SH   SOLE   37,742 0 0
METLIFE INC COM COM 59156R108 357 6,505 SH   SOLE   6,505 0 0
MICROSOFT CORP COM COM 594918104 6,892 99,992 SH   SOLE   99,992 0 0
MONDELEZ INTL INC CL A COM 609207105 355 8,213 SH   SOLE   8,213 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,163 34,206 SH   SOLE   34,206 0 0
NORWOOD FINL CORP COM 669549107 265 6,270 SH   SOLE   6,270 0 0
NOVO NORDISK A S ADR COM 670100205 447 10,425 SH   SOLE   10,425 0 0
ORACLE CORP COM COM 68389x105 907 18,084 SH   SOLE   18,084 0 0
PEPSICO INC COM 713448108 7,159 61,988 SH   SOLE   61,988 0 0
PFIZER INC COM COM 717081103 2,530 75,332 SH   SOLE   75,332 0 0
PHILIP MORRIS INTL INC COM COM 718172109 1,754 14,933 SH   SOLE   14,933 0 0
PINNACLE BANKSHARES CORP COM 72345E102 229 8,349 SH   SOLE   8,349 0 0
POWERSHARES ETF TR II PFD PORT ETF 73936T565 166 10,970 SH   SOLE   10,970 0 0
PROCTER & GAMBLE CO COM 742718109 7,596 87,161 SH   SOLE   87,161 0 0
RAYTHEON COM 755111507 404 2,500 SH   SOLE   2,500 0 0
REDWOOD TRUST COMMON STOCK COM 758075402 550 32,255 SH   SOLE   32,255 0 0
ROCKWELL AUTOMATION INC COM 773903109 261 1,610 SH   SOLE   1,610 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y506 299 4,600 SH   SOLE   4,600 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y605 316 12,795 SH   SOLE   12,795 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y886 749 14,422 SH   SOLE   14,422 0 0
SHERWIN WILLIAMS CO COM COM 824348106 521 1,484 SH   SOLE   1,484 0 0
SOUTHERN CO COM COM 842587107 2,867 59,873 SH   SOLE   59,873 0 0
SPDR SERIES TRUST S&P DIVID ET ETF 78464A763 502 5,651 SH   SOLE   5,651 0 0
STARBUCKS CORP COM COM 855244109 2,036 34,919 SH   SOLE   34,919 0 0
SUNTRUST BANKS INC COM 867914103 750 13,229 SH   SOLE   13,229 0 0
SYNOVUS FINL CORP COM NEW COM 87161C501 507 11,457 SH   SOLE   11,457 0 0
TANGER FACTRY OUTLET CTR COM 875465106 844 32,490 SH   SOLE   32,490 0 0
TIME WARNER INC NEW COM 887317303 210 2,090 SH   SOLE   2,090 0 0
UNDER ARMOUR INC CL C COM 904311206 431 21,400 SH   SOLE   21,400 0 0
UNION BANKSHARES CORPORATION COM 90539J109 307 9,070 SH   SOLE   9,070 0 0
UNION PACIFIC CORP COM COM 907818108 1,070 9,825 SH   SOLE   9,825 0 0
UNITED PARCEL SVC INC CL B COM 911312106 1,595 14,427 SH   SOLE   14,427 0 0
UNITED TECHNOLOGIES CORP DEL C COM 913017109 5,714 46,790 SH   SOLE   46,790 0 0
V F CORP COM 918204108 1,227 21,300 SH   SOLE   21,300 0 0
VANGUARD DIV APPREC ETF COM 921908844 7,781 83,966 SH   SOLE   83,966 0 0
VANGUARD INDEX FDS LARGE CAP E ETF 922908637 520 4,681 SH   SOLE   4,681 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 247 1,736 SH   SOLE   1,736 0 0
VANGUARD INTL EQUITY I ALLWRLD ETF 922042775 248 4,961 SH   SOLE   4,961 0 0
VANGUARD S&P FDS SMALL-CAP 600 ETF 921932828 310 2,425 SH   SOLE   2,425 0 0
VANGUARD SMALL CAP ETF ETF 922908751 349 2,576 SH   SOLE   2,576 0 0
VANGUARD TOTAL INT'L ETF ETF 921909768 1,364 26,240 SH   SOLE   26,240 0 0
VENTAS INC COM COM 92276F100 620 8,922 SH   SOLE   8,922 0 0
VERIZON COMMUNICATIONS COM COM 92343v104 7,226 161,793 SH   SOLE   161,793 0 0
VISA INC COM CL A COM 92826C839 3,865 41,212 SH   SOLE   41,212 0 0
WAL-MART STORES INC COM 931142103 2,337 30,886 SH   SOLE   30,886 0 0
WELLS FARGO & CO NEW COM COM 949746101 1,985 35,824 SH   SOLE   35,824 0 0
WESTERN UNION CO COM 959802109 1,527 80,167 SH   SOLE   80,167 0 0
WEYERHAEUSER CO COM 962166104 1,347 40,201 SH   SOLE   40,201 0 0
VENTAS INC COM COM 92276F100 2,651 38,150 SH   SOLE   38,150 0 0
WASHINGTON REIT COM 939653101 262 8,200 SH   SOLE   8,200 0 0
WELLTOWER INC COM 95040Q104 535 7,145 SH   SOLE   7,145 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 593 8,462 SH   SOLE   8,462 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 4,429 40,447 SH   SOLE   40,447 0 0
ISHARES TR MSCI EAFE INDEX FD ETF 464287465 218 3,336 SH   SOLE   3,336 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 340 2,415 SH   SOLE   2,415 0 0
ISHARES TR S&P MIDCAP 400 ETF 464287507 5,330 30,641 SH   SOLE   30,641 0 0
ISHARES TR US PFD STK IDX ETF 464288687 4,095 104,532 SH   SOLE   104,532 0 0
ISHARES TRUST S&P 500 INDEX FU ETF 464287200 828 3,401 SH   SOLE   3,401 0 0
ISHS US MED DEVICES ETF ETF 464288810 306 1,835 SH   SOLE   1,835 0 0
POWERSHARES QQQ TRUST UNIT SER ETF 73935a104 4,596 33,389 SH   SOLE   33,389 0 0
STANDARD & POORS DEPOSITARY RE ETF 78462f103 9,698 40,107 SH   SOLE   40,107 0 0
VANGUARD EMERGING MARKET ETF 922042858 236 5,788 SH   SOLE   5,788 0 0
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 208 1,635 SH   SOLE   1,635 0 0
VANGUARD INDEX FDS S&P 500 ETF ETF 922908363 244 1,100 SH   SOLE   1,100 0 0
VANGUARD SPECIALIZED P DIV APP ETF 921908844 488 5,270 SH   SOLE   5,270 0 0
VANGUARD TOTL STK MK ETF ETF 922908769 588 4,725 SH   SOLE   4,725 0 0
ISHARES CORE HIGH DIV ETF ETF 46429B663 1,594 19,170 SH   SOLE   19,170 0 0
ISHARES TR EAFE MIN VOL ETF ETF 46429B689 227 3,275 SH   SOLE   3,275 0 0
ISHARES TR U.S. CNSM SV ETF ETF 464287580 231 1,407 SH   SOLE   1,407 0 0
ISHARES TR USA MIN VOL ETF ETF 46429B697 282 5,763 SH   SOLE   5,763 0 0