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 2,553 12,161 SH   SOLE   12,161 0 0
ABBOTT LABS COM COM 002824100 3,486 65,333 SH   SOLE   65,333 0 0
ABBVIE INC. COM COM 00287Y109 1,524 17,148 SH   SOLE   17,148 0 0
ADOBE SYSTEMS INC COM 00724f101 857 5,748 SH   SOLE   5,748 0 0
AFLAC INC COM 001055102 256 3,147 SH   SOLE   3,147 0 0
ALPHABET INC CAP STK CL A COM 02079K305 3,933 4,039 SH   SOLE   4,039 0 0
ALTRIA GROUP INC COM COM 02209s103 985 15,529 SH   SOLE   15,529 0 0
AMERICAN ELECTRIC POWER CO COM 025537101 426 6,066 SH   SOLE   6,066 0 0
AMERICAN EXPRESS COMPANY COM 025816109 204 2,250 SH   SOLE   2,250 0 0
AMERICAN TOWER CORP CL A COM 03027x100 669 4,895 SH   SOLE   4,895 0 0
AMGEN INC COM 031162100 1,344 7,210 SH   SOLE   7,210 0 0
APPLE COMPUTER INC COM 037833100 4,206 27,293 SH   SOLE   27,293 0 0
AT&T INC COM COM 00206r102 2,100 53,618 SH   SOLE   53,618 0 0
BANK OF AMERICA COM COM 060505104 3,332 131,490 SH   SOLE   131,490 0 0
BANK OF THE JAMES COM COM 470299108 2,389 164,753 SH   SOLE   164,753 0 0
BARNES GROUP INC COM COM 067806109 1,844 26,175 SH   SOLE   26,175 0 0
BB & T CORP COM COM 054937107 4,171 88,861 SH   SOLE   88,861 0 0
BECTON DICKINSON & CO COM 075887109 463 2,361 SH   SOLE   2,361 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702 5,254 28,658 SH   SOLE   28,658 0 0
BOEING CO COM 097023105 4,255 16,737 SH   SOLE   16,737 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 454 7,125 SH   SOLE   7,125 0 0
CANADIAN NATL RAIL COM 136375102 1,103 13,308 SH   SOLE   13,308 0 0
CAPITAL ONE FINL CORP COM COM 14040h105 205 2,425 SH   SOLE   2,425 0 0
CARMAX INC COM 143130102 1,652 21,790 SH   SOLE   21,790 0 0
CHEVRON CORP COM COM 166764100 4,862 41,379 SH   SOLE   41,379 0 0
CINCINNATI FINANCIAL CORP COM 172062101 322 4,200 SH   SOLE   4,200 0 0
CISCO SYSTEMS INC COM 17275r102 3,034 90,224 SH   SOLE   90,224 0 0
COCA COLA COMPANY COM 191216100 274 6,087 SH   SOLE   6,087 0 0
COLGATE PALMOLIVE CO COM 194162103 225 3,086 SH   SOLE   3,086 0 0
COMCAST CORP CL A COM 20030n101 2,456 63,815 SH   SOLE   63,815 0 0
CONOCOPHILLIPS COM COM 20825c104 628 12,546 SH   SOLE   12,546 0 0
CONSOLIDATED EDISON COM COM 209115104 226 2,800 SH   SOLE   2,800 0 0
CSX CORPORATION COM 126408103 577 10,642 SH   SOLE   10,642 0 0
CVS CORP COM 126650100 5,786 71,155 SH   SOLE   71,155 0 0
DISNEY WALT COMPANY HOLDING COM 254687106 4,398 44,616 SH   SOLE   44,616 0 0
DOMINION RES INC VA COM COM 25746u109 4,388 57,043 SH   SOLE   57,043 0 0
DOWDUPONT INC COM 26078J100 473 6,826 SH   SOLE   6,826 0 0
DUKE ENERGY CORP NEW COM COM 26441c204 1,110 13,227 SH   SOLE   13,227 0 0
EMERSON ELECTRIC CO COM 291011104 242 3,854 SH   SOLE   3,854 0 0
ENBRIDGE INC COM 29250N105 1,916 45,782 SH   SOLE   45,782 0 0
EOG RES INC COM COM 26875p101 629 6,500 SH   SOLE   6,500 0 0
EXPEDIA INC DEL COM 30212P303 1,124 7,808 SH   SOLE   7,808 0 0
EXXON MOBIL CORP COM 30231g102 9,290 113,320 SH   SOLE   113,320 0 0
FACEBOOK INC CL A COM 30303M102 529 3,095 SH   SOLE   3,095 0 0
FEDEX CORP COM COM 31428x106 2,888 12,801 SH   SOLE   12,801 0 0
FORD MOTOR CO DEL COM PAR COM 345370860 131 10,919 SH   SOLE   10,919 0 0
GENERAL ELECTRIC CO COM COM 369604103 4,532 187,439 SH   SOLE   187,439 0 0
GENERAL MLS INC COM 370334104 969 18,726 SH   SOLE   18,726 0 0
GOOGLE INC CL C COM 38259P706 258 269 SH   SOLE   269 0 0
HOME DEPOT INC COM 437076102 4,681 28,622 SH   SOLE   28,622 0 0
HOMETOWN BANKSHARES CO COM COM 43787N108 167 15,444 SH   SOLE   15,444 0 0
HONEYWELL INTL INC COM 438516106 4,449 31,388 SH   SOLE   31,388 0 0
INTEL CORP COM COM 458140100 319 8,368 SH   SOLE   8,368 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,640 18,194 SH   SOLE   18,194 0 0
INTERNATIONAL PAPER CO COM 460146103 2,312 40,690 SH   SOLE   40,690 0 0
ISHARES EUROPE ETF ETF 464287861 806 17,190 SH   SOLE   17,190 0 0
ISHARES TR BARCLYS INTER GV ETF 464288612 725 6,541 SH   SOLE   6,541 0 0
ISHARES TR DJ SEL DIV INX ETF 464287168 273 2,913 SH   SOLE   2,913 0 0
ISHARES TR DJ US TECH SEC ETF 464287721 2,110 14,075 SH   SOLE   14,075 0 0
ISHARES TRUST RUSSELL 1000 GRO ETF 464287614 242 1,938 SH   SOLE   1,938 0 0
ISHARES TRUST RUSSELL 1000 VAL ETF 464287598 238 2,008 SH   SOLE   2,008 0 0
ISHARES U.S. FINANCIALS ETF ETF 464287788 3,652 32,570 SH   SOLE   32,570 0 0
ISHARES US HLTHCARE ETF ETF 464287762 4,355 25,338 SH   SOLE   25,338 0 0
ISHARES US REGIONAL BANK ETF ETF 464288778 469 9,925 SH   SOLE   9,925 0 0
JOHNSON & JOHNSON COM COM 478160104 7,107 54,668 SH   SOLE   54,668 0 0
JP MORGAN CHASE & CO COM 46625h100 4,582 47,971 SH   SOLE   47,971 0 0
JPMORGAN CHASE & CO ALERIAN ML COM 46625H365 334 11,850 SH   SOLE   11,850 0 0
KIMBERLY CLARK CORP COM COM 494368103 2,267 19,265 SH   SOLE   19,265 0 0
KRAFT HEINZ CO COM COM 500754106 281 3,620 SH   SOLE   3,620 0 0
KROGER CO COM 501044101 970 48,341 SH   SOLE   48,341 0 0
LINCOLN NATIONAL CORP COM 534187109 628 8,553 SH   SOLE   8,553 0 0
MATTEL INC COM 577081102 213 13,775 SH   SOLE   13,775 0 0
MCDONALDS CORP COM 580135101 2,089 13,330 SH   SOLE   13,330 0 0
MCKESSON CORP COM COM 58155q103 947 6,167 SH   SOLE   6,167 0 0
MERCK & CO INC NEW COM COM 58933Y105 2,317 36,182 SH   SOLE   36,182 0 0
METLIFE INC COM COM 59156R108 320 6,155 SH   SOLE   6,155 0 0
MICROSOFT CORP COM COM 594918104 7,316 98,214 SH   SOLE   98,214 0 0
MONDELEZ INTL INC CL A COM 609207105 321 7,901 SH   SOLE   7,901 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,345 32,856 SH   SOLE   32,856 0 0
NORWOOD FINL CORP COM 669549107 287 9,405 SH   SOLE   9,405 0 0
ORACLE CORP COM COM 68389x105 824 17,044 SH   SOLE   17,044 0 0
PEPSICO INC COM 713448108 6,671 59,866 SH   SOLE   59,866 0 0
PFIZER INC COM COM 717081103 2,695 75,479 SH   SOLE   75,479 0 0
PHILIP MORRIS INTL INC COM COM 718172109 1,619 14,580 SH   SOLE   14,580 0 0
PINNACLE BANKSHARES CORP COM 72345E102 230 8,349 SH   SOLE   8,349 0 0
POWERSHARES ETF TR II PFD PORT ETF 73936T565 165 10,970 SH   SOLE   10,970 0 0
PROCTER & GAMBLE CO COM 742718109 7,755 85,243 SH   SOLE   85,243 0 0
RAYTHEON COM 755111507 466 2,500 SH   SOLE   2,500 0 0
REDWOOD TRUST COMMON STOCK COM 758075402 409 25,100 SH   SOLE   25,100 0 0
ROCKWELL AUTOMATION INC COM 773903109 217 1,220 SH   SOLE   1,220 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y506 315 4,600 SH   SOLE   4,600 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y605 331 12,795 SH   SOLE   12,795 0 0
SELECT SECTOR SPDR TR SBI INT- ETF 81369Y886 735 13,847 SH   SOLE   13,847 0 0
SHERWIN WILLIAMS CO COM COM 824348106 482 1,346 SH   SOLE   1,346 0 0
SOUTHERN CO COM COM 842587107 2,829 57,573 SH   SOLE   57,573 0 0
SPDR SERIES TRUST S&P DIVID ET ETF 78464A763 516 5,651 SH   SOLE   5,651 0 0
STARBUCKS CORP COM COM 855244109 2,089 38,894 SH   SOLE   38,894 0 0
SUNTRUST BANKS INC COM 867914103 791 13,228 SH   SOLE   13,228 0 0
SYNOVUS FINL CORP COM NEW COM 87161C501 528 11,457 SH   SOLE   11,457 0 0
TANGER FACTRY OUTLET CTR COM 875465106 843 34,540 SH   SOLE   34,540 0 0
TIME WARNER INC NEW COM 887317303 214 2,090 SH   SOLE   2,090 0 0
UNDER ARMOUR INC CL C COM 904311206 255 17,000 SH   SOLE   17,000 0 0
UNION BANKSHARES CORPORATION COM 90539J109 320 9,070 SH   SOLE   9,070 0 0
UNION PACIFIC CORP COM COM 907818108 1,099 9,475 SH   SOLE   9,475 0 0
UNITED PARCEL SVC INC CL B COM 911312106 1,721 14,327 SH   SOLE   14,327 0 0
UNITED TECHNOLOGIES CORP DEL C COM 913017109 5,729 49,350 SH   SOLE   49,350 0 0
V F CORP COM 918204108 1,379 21,695 SH   SOLE   21,695 0 0
VANGUARD DIV APPREC ETF ETF 921908844 7,761 81,871 SH   SOLE   81,871 0 0
VANGUARD INDEX FDS LARGE CAP E ETF 922908637 541 4,691 SH   SOLE   4,691 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 255 1,736 SH   SOLE   1,736 0 0
VANGUARD INTL EQUITY I ALLWRLD ETF 922042775 263 4,981 SH   SOLE   4,981 0 0
VANGUARD S&P FDS SMALL-CAP 600 ETF 921932828 324 2,390 SH   SOLE   2,390 0 0
VANGUARD SMALL CAP ETF ETF 922908751 364 2,579 SH   SOLE   2,579 0 0
VANGUARD TOTAL INT'L ETF ETF 921909768 1,420 25,940 SH   SOLE   25,940 0 0
VENTAS INC COM COM 92276F100 2,989 45,897 SH   SOLE   45,897 0 0
VERIZON COMMUNICATIONS COM COM 92343v104 7,810 157,813 SH   SOLE   157,813 0 0
VISA INC COM CL A COM 92826C839 4,203 39,937 SH   SOLE   39,937 0 0
WAL-MART STORES INC COM 931142103 2,345 30,006 SH   SOLE   30,006 0 0
WELLS FARGO & CO NEW COM COM 949746101 1,901 34,466 SH   SOLE   34,466 0 0
WESTERN UNION CO COM 959802109 880 45,812 SH   SOLE   45,812 0 0
WEYERHAEUSER CO COM 962166104 1,353 39,751 SH   SOLE   39,751 0 0
WASHINGTON REIT COM 939653101 269 8,200 SH   SOLE   8,200 0 0
WELLTOWER INC COM 95040Q104 495 7,045 SH   SOLE   7,045 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 821 11,066 SH   SOLE   11,066 0 0
ISHARES TR CORE US AGG BD ETF ETF 464287226 4,299 39,232 SH   SOLE   39,232 0 0
ISHARES TR MSCI EAFE INDEX FD ETF 464287465 256 3,736 SH   SOLE   3,736 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 358 2,415 SH   SOLE   2,415 0 0
ISHARES TR S&P MIDCAP 400 ETF 464287507 5,327 29,778 SH   SOLE   29,778 0 0
ISHARES TR US PFD STK IDX ETF 464288687 3,885 100,107 SH   SOLE   100,107 0 0
ISHARES TRUST S&P 500 INDEX FU ETF 464287200 860 3,401 SH   SOLE   3,401 0 0
ISHS US MED DEVICES ETF ETF 464288810 323 1,935 SH   SOLE   1,935 0 0
POWERSHARES QQQ TRUST UNIT SER ETF 73935a104 4,328 29,754 SH   SOLE   29,754 0 0
STANDARD & POORS DEPOSITARY RE ETF 78462f103 10,036 39,949 SH   SOLE   39,949 0 0
VANGUARD EMERGING MARKET ETF 922042858 233 5,338 SH   SOLE   5,338 0 0
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 217 1,635 SH   SOLE   1,635 0 0
VANGUARD INDEX FDS S&P 500 ETF ETF 922908363 265 1,150 SH   SOLE   1,150 0 0
VANGUARD SPECIALIZED P DIV APP ETF 921908844 477 5,030 SH   SOLE   5,030 0 0
VANGUARD TOTL STK MK ETF ETF 922908769 599 4,625 SH   SOLE   4,625 0 0
ISHARES CORE HIGH DIV ETF ETF 46429B663 1,529 17,795 SH   SOLE   17,795 0 0
ISHARES TR EAFE MIN VOL ETF ETF 46429B689 233 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 290 5,768 SH   SOLE   5,768 0 0