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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CHECK POINT SOFTWARE TECH LTORD COMMON STOCK M22465104   559 5,129 SH   SOLE   5,129 0 0
ROYAL CARIBBEAN CRUISES LTD COM COMMON STOCK V7780T103   1,020 9,340 SH   SOLE   9,340 0 0
AT&T INC COM COMMON STOCK 00206R102   811 21,509 SH   SOLE   21,509 0 0
ABBOTT LABS COM COMMON STOCK 002824100   286 5,881 SH   SOLE   5,881 0 0
AECOM COMMON STOCK 00766T100   219 6,770 SH   SOLE   6,770 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103   221 2,961 SH   SOLE   2,961 0 0
AMGEN INC COM COMMON STOCK 031162100   1,139 6,614 SH   SOLE   6,614 0 0
APPLE INC COM COMMON STOCK 037833100   2,177 15,118 SH   SOLE   15,118 0 0
ARISTA NETWORKS INC COM COMMON STOCK 040413106   975 6,510 SH   SOLE   6,510 0 0
BECTON DICKINSON AND COMPANY COMMON STOCK 075887109   1,440 7,382 SH   SOLE   7,382 0 0
BERKSHIRE HATHAWAY B COMMON STOCK 084670702   412 2,430 SH   SOLE   2,430 0 0
BRISTOL MYERS SQUIBB CO COM COMMON STOCK 110122108   2,151 38,598 SH   SOLE   38,598 0 0
CBS CORP NEW COMMON STOCK 124857202   664 10,420 SH   SOLE   10,420 0 0
CSX CORP COM COMMON STOCK 126408103   2,252 41,281 SH   SOLE   41,281 0 0
CARDINAL HEALTH INC COM COMMON STOCK 14149Y108   709 9,095 SH   SOLE   9,095 0 0
CHEVRONTEXACO COMMON STOCK 166764100   2,056 19,712 SH   SOLE   19,712 0 0
CISCO SYS INC COM COMMON STOCK 17275R102   1,161 37,119 SH   SOLE   37,119 0 0
COCA COLA CO COM COMMON STOCK 191216100   487 10,866 SH   SOLE   10,866 0 0
COMCAST CORP NEW CL A COMMON STOCK 20030N101   226 5,805 SH   SOLE   5,805 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   455 2,845 SH   SOLE   2,845 0 0
DANAHER CORP DEL COM COMMON STOCK 235851102   2,142 25,389 SH   SOLE   25,389 0 0
DISNEY WALT CO COM DISNEY COMMON STOCK 254687106   864 8,128 SH   SOLE   8,128 0 0
DOMINION NEW RES INC VA NEW COMMON STOCK 25746U109   1,723 22,480 SH   SOLE   22,480 0 0
DU PONT E I DE NEMOURS & CO COM COMMON STOCK 263534109   2,024 25,078 SH   SOLE   25,078 0 0
ENBRIDGE INC FOREIGN EQUITIES 29250N105   585 14,697 SH   SOLE   14,697 0 0
ENVISION HEALTHCARE CORP COMMON STOCK 29414D100   602 9,600 SH   SOLE   9,600 0 0
EXPEDIA INC DEL COM NEW COMMON STOCK 30212P303   783 5,255 SH   SOLE   5,255 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   2,010 24,901 SH   SOLE   24,901 0 0
FIRST UNITED CORPORATION COMMON STOCK 33741H107   3,079 206,658 SH   SOLE   206,658 0 0
GENERAL ELEC CO COM COMMON STOCK 369604103   1,603 59,360 SH   SOLE   59,360 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   206 1,344 SH   SOLE   1,344 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   2,549 19,121 SH   SOLE   19,121 0 0
INTEL CORP COM COMMON STOCK 458140100   1,246 36,952 SH   SOLE   36,952 0 0
INTERNATIONAL BUSINESS MACHSCOM COMMON STOCK 459200101   429 2,789 SH   SOLE   2,789 0 0
ISHARES SELECT DIVIDEND ETF EXCHANGE TRADED INDEX FUNDS 464287168   3,858 41,838 SH   SOLE   41,838 0 0
ISHARES TRANSPORTATION AVG ETF EXCHANGE TRADED INDEX FUNDS 464287192   912 5,302 SH   SOLE   5,302 0 0
ISHARES MSCI EMERGING MARKETS ETF EXCHANGE TRADED INDEX FUNDS 464287234   1,510 36,496 SH   SOLE   36,496 0 0
ISHARES MSCI EAFE ETF EXCHANGE TRADED INDEX FUNDS 464287465   3,170 48,618 SH   SOLE   48,618 0 0
ISHARES RUSSELL MIDCAP VALUE ETF EXCHANGE TRADED INDEX FUNDS 464287473   2,391 28,431 SH   SOLE   28,431 0 0
ISHARES RUSSELL MIDCAP GROWTH ETF EXCHANGE TRADED INDEX FUNDS 464287481   2,076 19,212 SH   SOLE   19,212 0 0
ISHARES RUSSELL MID-CAP ETF EXCHANGE TRADED INDEX FUNDS 464287499   1,927 10,033 SH   SOLE   10,033 0 0
ISHARES RUSSELL 1000 VALUE ETF EXCHANGE TRADED INDEX FUNDS 464287598   4,701 40,376 SH   SOLE   40,376 0 0
ISHARES S&P MIDCAP 400 GROWTH INDEX FUND COMMON STOCK 464287606   275 1,400 SH   SOLE   1,400 0 0
ISHARES RUSSELL 1000 GROWTH ETF EXCHANGE TRADED INDEX FUNDS 464287614   5,837 49,040 SH   SOLE   49,040 0 0
ISHARES RUSSELL 2000 VALUE ETF EXCHANGE TRADED INDEX FUNDS 464287630   821 6,910 SH   SOLE   6,910 0 0
ISHARES RUSSELL 2000 GROWTH ETF EXCHANGE TRADED INDEX FUNDS 464287648   752 4,454 SH   SOLE   4,454 0 0
ISHARES RUSSELL 2000 ETF EXCHANGE TRADED INDEX FUNDS 464287655   774 5,495 SH   SOLE   5,495 0 0
ISHARES DOW JONES US TECHNOLOGY EXCHANGE TRADED SECTOR FUNDS 464287721   2,888 20,673 SH   SOLE   20,673 0 0
ISHARES DOW JONES US REAL ESTATE EXCHANGE TRADED SECTOR FUNDS 464287739   1,375 17,232 SH   SOLE   17,232 0 0
ISHARES DOW JONES US HEALTHCARE EXCHANGE TRADED SECTOR FUNDS 464287762   1,630 9,806 SH   SOLE   9,806 0 0
ISHARES GOVT/CREDIT BOND EXCHANGE TRADED BOND FUNDS 464288596   506 4,430 SH   SOLE   4,430 0 0
ISHARES 1-3 YR CR BD ETF EXCHANGE TRADED BOND FUNDS 464288646   1,022 9,705 SH   SOLE   9,705 0 0
ISHARES FLOATING RATE BOND EXCHANGE TRADED BOND FUNDS 46429B655   475 9,325 SH   SOLE   9,325 0 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100   2,111 23,097 SH   SOLE   23,097 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   2,696 20,380 SH   SOLE   20,380 0 0
LOWES COS INC COM COMMON STOCK 548661107   2,370 30,568 SH   SOLE   30,568 0 0
M & T BANK CORP COMMON STOCK 55261F104   1,088 6,718 SH   SOLE   6,718 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   1,266 8,264 SH   SOLE   8,264 0 0
METLIFE, INC. COMMON STOCK 59156R108   1,650 30,048 SH   SOLE   30,048 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   621 9,010 SH   SOLE   9,010 0 0
MICROCHIP TECHNOLOGY INC COM COMMON STOCK 595017104   1,767 22,895 SH   SOLE   22,895 0 0
NEOGENOMICS INC COM NEW COMMON STOCK 64049M209   394 44,000 SH   SOLE   44,000 0 0
NUVEEN INSD TAX-FREE ADVANTAGE MUN FD COM FIXED INCOME TAX FREE MUT FDS 670657105   213 15,558 SH   SOLE   15,558 0 0
PNC FINL SVCS GROUP INC COM COMMON STOCK 693475105   457 3,659 SH   SOLE   3,659 0 0
PEPSICO INC COM COMMON STOCK 713448108   2,443 21,154 SH   SOLE   21,154 0 0
PFIZER INC COM COMMON STOCK 717081103   345 10,259 SH   SOLE   10,259 0 0
PHILLIP MORRIS INTL, INC. COMMON STOCK 718172109   239 2,035 SH   SOLE   2,035 0 0
POWERSHARES QQQ TRUST, SERIES 1 EXCHANGE TRADED INDEX FUNDS 73935A104   6,320 45,916 SH   SOLE   45,916 0 0
POWERSHARES WATER RESOURCE P EXCHANGE TRADED SECTOR FUNDS 73935X575   253 9,400 SH   SOLE   9,400 0 0
POWERSHARES OIL SERVICES EXCHANGE TRADED SECTOR FUNDS 73935X625   220 23,440 SH   SOLE   23,440 0 0
POWERSHARES SR LOAN ETF EXCHANGE TRADED BOND FUNDS 73936Q769   265 11,460 SH   SOLE   11,460 0 0
POWERSHARES NATL AMT-FR MUN EXCHANGE TRADED BOND FUNDS 73936T474   817 32,135 SH   SOLE   32,135 0 0
PRAXAIR INC COM COMMON STOCK 74005P104   756 5,700 SH   SOLE   5,700 0 0
PRICE T ROWE GROUP INC COMMON STOCK 74144T108   1,049 14,137 SH   SOLE   14,137 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   1,593 18,276 SH   SOLE   18,276 0 0
PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102   1,905 17,620 SH   SOLE   17,620 0 0
S&P 500 EQUAL WEIGHT INDEX EXCHANGE TRADED INDEX FUNDS 78355W106   1,437 15,500 SH   SOLE   15,500 0 0
SPDR S&P 500 INDEX EXCHANGE TRADED INDEX FUNDS 78462F103   6,953 28,754 SH   SOLE   28,754 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE EXCHANGE TRADED INDEX FUNDS 78467X109   376 1,765 SH   SOLE   1,765 0 0
SPDR NUVEEN BARCLAYS SHT TRM EXCHANGE TRADED BOND FUNDS 78468R739   323 6,670 SH   SOLE   6,670 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   841 12,781 SH   SOLE   12,781 0 0
MATERIALS SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y100   315 5,851 SH   SOLE   5,851 0 0
CONSUMER STAPLES SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y308   1,326 24,132 SH   SOLE   24,132 0 0
CONSUMER DISCRETIONARY SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y407   1,169 13,045 SH   SOLE   13,045 0 0
ENERGY SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y506   367 5,650 SH   SOLE   5,650 0 0
FINANCIAL SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y605   1,257 50,960 SH   SOLE   50,960 0 0
INDUSTRIAL SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y704   624 9,157 SH   SOLE   9,157 0 0
SELECT SEC REAL ESTATE EXCHANGE TRADED SECTOR FUNDS 81369Y860   482 14,958 SH   SOLE   14,958 0 0
UTILITIES SECTOR SPDR EXCHANGE TRADED SECTOR FUNDS 81369Y886   351 6,755 SH   SOLE   6,755 0 0
SOUTHERN CO COM COMMON STOCK 842587107   1,230 25,699 SH   SOLE   25,699 0 0
TEXAS INSTRS INC COM COMMON STOCK 882508104   222 2,889 SH   SOLE   2,889 0 0
THOR INDS INC COM COMMON STOCK 885160101   825 7,889 SH   SOLE   7,889 0 0
3M CO COM COMMON STOCK 88579Y101   305 1,465 SH   SOLE   1,465 0 0
ULTA SALON COSMETICS & FRAGRANCE COMMON STOCK 90384S303   1,489 5,181 SH   SOLE   5,181 0 0
UNITED PARCEL SERVICES B COMMON STOCK 911312106   983 8,885 SH   SOLE   8,885 0 0
VANGUARD BOND INDEX FUND INCTOTAL BD MARKET EXCHANGE TRADED BOND FUNDS 921937835   1,806 22,072 SH   SOLE   22,072 0 0
VANGUARD INTL EQUITY INDEX FFTSE EUROPE ETF EXCHANGE TRADED INDEX FUNDS 922042874   2,563 46,490 SH   SOLE   46,490 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS EXCHANGE TRADED INDEX FUNDS 922908363   3,134 14,115 SH   SOLE   14,115 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP EXCHANGE TRADED INDEX FUNDS 922908512   1,116 10,847 SH   SOLE   10,847 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP EXCHANGE TRADED INDEX FUNDS 922908538   2,795 23,751 SH   SOLE   23,751 0 0
VANGUARD INDEX FDS SML CP GRW ETF EXCHANGE TRADED INDEX FUNDS 922908595   863 5,924 SH   SOLE   5,924 0 0
VANGUARD SMALL-CAP VALUE ETF EXCHANGE TRADED INDEX FUNDS 922908611   1,391 11,316 SH   SOLE   11,316 0 0
VANGUARD MID-CAP ETF EXCHANGE TRADED INDEX FUNDS 922908629   1,321 9,269 SH   SOLE   9,269 0 0
VANGUARD GROWTH ETF EXCHANGE TRADED INDEX FUNDS 922908736   1,202 9,465 SH   SOLE   9,465 0 0
VANGUARD VALUE ETF EXCHANGE TRADED INDEX FUNDS 922908744   595 6,159 SH   SOLE   6,159 0 0
VANGUARD INDEX FDS SMALL CP ETF EXCHANGE TRADED INDEX FUNDS 922908751   658 4,858 SH   SOLE   4,858 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104   1,935 43,344 SH   SOLE   43,344 0 0
WESTROCK CO USD 0.01 COMMON STOCK 96145D105   312 5,501 SH   SOLE   5,501 0 0