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
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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 Company COM 604059105 2,260 12,810 SH   SOLE   0 0 2,260
Abbott Laboratories COM 002824100 1,088 12,524 SH   SOLE   0 0 1,088
Abbvie Inc COM 00287Y109 325 3,668 SH   SOLE   0 0 325
Accenture Ltd Cl A SHS CLASS A G1151C101 470 2,231 SH   SOLE   0 0 470
Adobe Systems Inc COM 00724F101 9,248 28,040 SH   SOLE   0 0 9,248
Agilent Technologies, Inc. COM 00846U101 862 10,109 SH   SOLE   0 0 862
Alibaba Group Holding Ltd SPONSORED ADS 01609W102 3,545 16,716 SH   SOLE   0 0 3,545
Align Technology Inc COM 016255101 388 1,391 SH   SOLE   0 0 388
Alphabet Inc Class A CAP STK CL A 02079K305 3,519 2,627 SH   SOLE   0 0 3,519
Alphabet Inc Class C CAP STK CL C 02079K107 1,027 768 SH   SOLE   0 0 1,027
Amazon.com COM 023135106 3,971 2,149 SH   SOLE   0 0 3,971
American Express Co COM 025816109 2,464 19,792 SH   SOLE   0 0 2,464
Amgen Inc. COM 031162100 824 3,419 SH   SOLE   0 0 824
Analog Devices, Inc. COM 032654105 925 7,784 SH   SOLE   0 0 925
Anthem Inc COM 036752103 3,107 10,286 SH   SOLE   0 0 3,107
Apple Computer Inc COM 037833100 3,136 10,679 SH   SOLE   0 0 3,136
AT&T Corp. COM 00206R102 438 11,202 SH   SOLE   0 0 438
Atlantic Union Bankshares COM 04911A107 578 15,400 SH   SOLE   0 0 578
Atrion Corp COM 049904105 301 400 SH   SOLE   0 0 301
Auto Data Processing COM 053015103 877 5,141 SH   SOLE   0 0 877
Bank of America Corporation COM 060505104 1,749 49,654 SH   SOLE   0 0 1,749
Bank of Nova Scotia COM 064149107 272 4,819 SH   SOLE   0 0 272
Baxter International COM 071813109 410 4,900 SH   SOLE   0 0 410
Becton, Dickinson and Company COM 075887109 408 1,499 SH   SOLE   0 0 408
Berkshire Hathaway B CL B NEW 084670702 8,449 37,304 SH   SOLE   0 0 8,449
Biogen Idec Inc COM 09062X103 3,873 13,052 SH   SOLE   0 0 3,873
Boeing Co COM 097023105 1,260 3,867 SH   SOLE   0 0 1,260
Booking Holdings, Inc. COM 09857L108 1,883 917 SH   SOLE   0 0 1,883
BP ADR SPONSORED ADR 055622104 1,043 27,626 SH   SOLE   0 0 1,043
Bristol-Myers Squibb Co COM 110122108 496 7,732 SH   SOLE   0 0 496
Broadcom Ltd COM 11135F101 531 1,680 SH   SOLE   0 0 531
Cabot Microelectron COM 12709P103 2,381 16,497 SH   SOLE   0 0 2,381
Canadian Pac Ltd COM 13645T100 6,023 23,625 SH   SOLE   0 0 6,023
Cboe Glbl Mkts COM 12503M108 7,106 59,215 SH   SOLE   0 0 7,106
Cheesecake Factory Inc COM 163072101 1,571 40,430 SH   SOLE   0 0 1,571
Chevron Corporation COM 166764100 1,725 14,312 SH   SOLE   0 0 1,725
Choice Hotels Intl COM 169905106 207 2,000 SH   SOLE   0 0 207
CIGNA Corporation COM 125509109 3,064 14,982 SH   SOLE   0 0 3,064
Cincinnati Bell COM 171871403 644 13,555 SH   SOLE   0 0 644
Cisco Systems, Inc. COM 17275R102 1,423 29,667 SH   SOLE   0 0 1,423
CME Group Inc Cl A COM 12572Q105 5,869 29,238 SH   SOLE   0 0 5,869
Coca-Cola Company SPONSORED ADR 191216100 3,350 60,519 SH   SOLE   0 0 3,350
Corning Incorporated COM 219350105 663 22,774 SH   SOLE   0 0 663
Corteva Inc COM 22052L104 1,449 49,010 SH   SOLE   0 0 1,449
Costco Whsl Corp New COM 22160K105 6,942 23,617 SH   SOLE   0 0 6,942
Danaher Corporation COM 235851102 399 2,600 SH   SOLE   0 0 399
Deere & Company COM 244199105 888 5,125 SH   SOLE   0 0 888
Diageo ADR SPON ADR NEW 25243Q205 652 3,874 SH   SOLE   0 0 652
Dominion Resources COM 25746U109 9,357 112,978 SH   SOLE   0 0 9,357
Dow Chemical Company COM 260557103 1,119 20,452 SH   SOLE   0 0 1,119
Dropbox Inc CL A 26210C104 1,619 90,380 SH   SOLE   0 0 1,619
Du Pont (E.I.) COM 26614N102 1,908 29,726 SH   SOLE   0 0 1,908
Duke Energy Corporation COM 264399106 522 5,718 SH   SOLE   0 0 522
Entergy Corporation COM 29364G103 730 6,090 SH   SOLE   0 0 730
Exxon Mobil Corp COM 30231G102 4,468 64,023 SH   SOLE   0 0 4,468
Facebook Inc Class A CL A 30303M102 2,235 10,891 SH   SOLE   0 0 2,235
Fedex Corp COM 31428X106 2,464 16,296 SH   SOLE   0 0 2,464
Fomento Eco Mex Sab Adrf SPON ADR UNITS 344419106 2,889 30,570 SH   SOLE   0 0 2,889
Gartner Inc COM 366651107 617 4,006 SH   SOLE   0 0 617
General Dynamics Corp COM 369550108 2,172 12,317 SH   SOLE   0 0 2,172
Genuine Parts Company COM 372460105 1,012 9,527 SH   SOLE   0 0 1,012
Goldman Sachs Group Inc COM 38141G204 524 2,280 SH   SOLE   0 0 524
Hess Corp COM 42809H107 3,365 50,362 SH   SOLE   0 0 3,365
HEXO Corp. COM 428304109 16 10,050 SH   SOLE   0 0 16
Home Depot, Inc. COM 437076102 1,046 4,788 SH   SOLE   0 0 1,046
Honeywell International COM 438516106 561 3,170 SH   SOLE   0 0 561
Illinois Tool Works, Inc. COM 452308109 574 3,196 SH   SOLE   0 0 574
Illumina Inc COM 452327109 312 940 SH   SOLE   0 0 312
Int'l Business Machines COM 459200101 503 3,752 SH   SOLE   0 0 503
Intuit Inc COM 461202103 9,633 36,778 SH   SOLE   0 0 9,633
iShares 0-5 Year TIPS 0-5 YR TIPS ETF 46429B747 215 2,130 SH   SOLE   0 0 215
iShares Barclays MBS Bond MBS ETF 464288588 2,383 22,050 SH   SOLE   0 0 2,383
iShares Global Clean GL CLEAN ETF 464288224 170 14,503 SH   SOLE   0 0 170
iShares MSCI India MSCI INDIA ETF 46429B598 2,077 59,100 SH   SOLE   0 0 2,077
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 370 2,104 SH   SOLE   0 0 370
iShares S&P 500 Index CORE S&P500 ETF 464287200 464 1,435 SH   SOLE   0 0 464
iShares S&P Small Cap CORE S&P500 ETF 464287804 1,555 18,550 SH   SOLE   0 0 1,555
iShares Tr Barclays Fund CORE US AGGBD ET 464287226 205 1,820 SH   SOLE   0 0 205
iShares Tr S&P Midcap CORE S&P SCP ETF 464287507 215 1,046 SH   SOLE   0 0 215
J M Smuckers Co COM 832696405 1,381 13,267 SH   SOLE   0 0 1,381
J.P. Morgan Chase & Co. COM 46625H100 4,285 30,737 SH   SOLE   0 0 4,285
Johnson & Johnson COM 478160104 3,858 26,448 SH   SOLE   0 0 3,858
Kellogg Company COM 487836108 209 3,027 SH   SOLE   0 0 209
Keysight Technologies Inc. COM 49338L103 2,699 26,295 SH   SOLE   0 0 2,699
Kimberly-Clark Corp COM 494368103 4,550 33,081 SH   SOLE   0 0 4,550
KVH Industries Inc COM 482738101 919 82,605 SH   SOLE   0 0 919
Lab Corp of America COM NEW 50540R409 254 1,500 SH   SOLE   0 0 254
Lindblad Expeditions Holdings COM 535219109 865 52,907 SH   SOLE   0 0 865
Lockheed Martin Corporation COM 539830109 908 2,333 SH   SOLE   0 0 908
Markel Corp COM 570535104 533 466 SH   SOLE   0 0 533
Marriott Intl Inc Cl A CL A 571903202 327 2,161 SH   SOLE   0 0 327
McDonald's Corporation COM 580135101 890 4,502 SH   SOLE   0 0 890
Medtronic, Inc. SHS CLASS A G5960L103 629 5,540 SH   SOLE   0 0 629
Merck & Co., Inc. COM 58933Y105 5,126 56,360 SH   SOLE   0 0 5,126
Microsoft Corp COM 594918104 3,454 21,904 SH   SOLE   0 0 3,454
Mondelez Intl Inc Cl A CL A 609207105 343 6,228 SH   SOLE   0 0 343
Novartis AG SPONSORED ADR 66987V109 258 2,722 SH   SOLE   0 0 258
Parker Hannifin Corporation COM 701094104 363 1,762 SH   SOLE   0 0 363
PepsiCo, Inc. COM 713448108 2,937 21,489 SH   SOLE   0 0 2,937
Pfizer, Inc. COM 717081103 674 17,190 SH   SOLE   0 0 674
Philip Morris Intl Inc COM 718172109 204 2,400 SH   SOLE   0 0 204
PNC Financial Services Group COM 693475105 1,229 7,699 SH   SOLE   0 0 1,229
Powershares QQQ Tr COM 46090E103 1,342 6,310 SH   SOLE   0 0 1,342
PPG Industries, Inc. COM 693506107 1,382 10,351 SH   SOLE   0 0 1,382
Procter & Gamble Co COM 742718109 4,858 38,899 SH   SOLE   0 0 4,858
Prudential Financial Inc COM 744320102 284 3,034 SH   SOLE   0 0 284
Qualcomm, Inc. COM 747525103 4,604 52,183 SH   SOLE   0 0 4,604
Raytheon Co. COM 755111507 696 3,167 SH   SOLE   0 0 696
Republic Bancorp COM 760281204 2,078 44,400 SH   SOLE   0 0 2,078
Republic Services Inc. COM 760759100 904 10,091 SH   SOLE   0 0 904
Rio Tinto PLC COM 767204100 1,158 19,500 SH   SOLE   0 0 1,158
Royal Bk Cda Montreal COM 780087102 648 8,185 SH   SOLE   0 0 648
Sage Therapeutics COM 78667J108 338 4,679 SH   SOLE   0 0 338
Schwab Strategic Us Div Eq US DIDIVEND EQ 808524797 3,311 57,157 SH   SOLE   0 0 3,311
Schwab U.S. Mid-Cap US DIDIVEND EQ 808524508 10,943 181,926 SH   SOLE   0 0 10,943
Schwab US Aggregate Bond US AGGREGATE B 808524839 223 4,180 SH   SOLE   0 0 223
SPDR Gold Trust GOLD SHS 78463V107 284 1,985 SH   SOLE   0 0 284
SPDR Portfolio Large Cap PORTFOLIO LR ETF 78464A854 9,716 256,909 SH   SOLE   0 0 9,716
SPDR Portfolio Mid Cap PORTFOLIO MD ETF 78464A847 579 15,985 SH   SOLE   0 0 579
SPDR S&P 500 TR UNIT 78462F103 2,969 9,225 SH   SOLE   0 0 2,969
SPDR S&P 600 Small Cap S&P 600 SML CAP 78464A813 10,116 139,622 SH   SOLE   0 0 10,116
SPDR Total Stock Market PORTFOLIO TL STK 78464A805 568 14,253 SH   SOLE   0 0 568
SPDR Utility Select COM 81369Y886 776 12,010 SH   SOLE   0 0 776
SRC Energy Inc COM 78470V108 116 28,100 SH   SOLE   0 0 116
Starbucks Corporation COM 855244109 604 6,919 SH   SOLE   0 0 604
Target Corporation COM 87612E106 333 2,600 SH   SOLE   0 0 333
TE Connectivity Ltd REG SHS H84989104 750 7,824 SH   SOLE   0 0 750
Tegna Inc COM 87901J105 223 13,350 SH   SOLE   0 0 223
Texas Instruments Inc COM 882508104 8,727 68,027 SH   SOLE   0 0 8,727
TherapeuticsMD COM 88338N107 125 51,532 SH   SOLE   0 0 125
Thermo Fisher Scientific COM 883556102 945 2,909 SH   SOLE   0 0 945
Transdigm Group Inc COM 893641100 280 500 SH   SOLE   0 0 280
Truist Finl Corp COM 89832Q109 4,393 78,002 SH   SOLE   0 0 4,393
U.S. Bancorp COM 902973304 324 5,469 SH   SOLE   0 0 324
Unilever NV COM 904784709 4,967 86,450 SH   SOLE   0 0 4,967
Union Pacific Corp COM 907818108 511 2,824 SH   SOLE   0 0 511
United Parcel Service COM 911312106 467 3,990 SH   SOLE   0 0 467
United Technologies Corp COM 913017109 6,053 40,420 SH   SOLE   0 0 6,053
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 574 1,942 SH   SOLE   0 0 574
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 9,637 58,897 SH   SOLE   0 0 9,637
Verizon Communications Inc COM 92343V104 5,710 92,990 SH   SOLE   0 0 5,710
Vornado Realty Trust SH BEN INT 929042109 2,209 33,219 SH   SOLE   0 0 2,209
Wal-Mart Stores Inc COM 931142103 256 2,156 SH   SOLE   0 0 256
Walt Disney Company COM 254687106 4,130 28,553 SH   SOLE   0 0 4,130
Washington REIT Sh Ben INT 939653101 516 17,700 SH   SOLE   0 0 516
Wells Fargo & Co Inc COM 949746101 1,715 31,877 SH   SOLE   0 0 1,715
Westrock Co COM 96145D105 642 14,969 SH   SOLE   0 0 642
Zoetis Inc CL A 98978V103 215 1,621 SH   SOLE   0 0 215