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
iShares Core US Aggregate Bond ETF COM 464287226 42,882 381,610 SH   SOLE   381,610 0 0
Apple Computer Inc COM 037833100 12,244 41,698 SH   SOLE   41,698 0 0
Berkshire Hathaway B COM 084670702 11,137 49,172 SH   SOLE   49,172 0 0
Microsoft Corp COM 594918104 10,568 67,013 SH   SOLE   67,013 0 0
Intel Corp COM 458140100 8,457 141,304 SH   SOLE   141,304 0 0
Pepsi Co COM 713448108 7,913 57,896 SH   SOLE   57,896 0 0
Johnson & Johnson COM 478160104 7,276 49,879 SH   SOLE   49,879 0 0
iShares Core MSCI EAFE COM 46432F842 6,782 103,954 SH   SOLE   103,954 0 0
Wal-Mart Stores Inc COM 931142103 6,506 54,748 SH   SOLE   54,748 0 0
Cisco Systems Inc COM 17275R102 6,380 133,024 SH   SOLE   133,024 0 0
J P Morgan Chase & Co COM 46625H100 6,224 44,647 SH   SOLE   44,647 0 0
Lowes Companies Inc COM 548661107 6,169 51,512 SH   SOLE   51,512 0 0
Roper Industries Inc COM 776696106 5,958 16,820 SH   SOLE   16,820 0 0
Stryker COM 863667101 5,932 28,255 SH   SOLE   28,255 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 5,847 298,139 SH   SOLE   298,139 0 0
Tractor Supply Company COM 892356106 5,833 62,427 SH   SOLE   62,427 0 0
Alphabet Inc Class A COM 02079K305 5,679 4,240 SH   SOLE   4,240 0 0
McDonalds Corp COM 580135101 5,521 27,938 SH   SOLE   27,938 0 0
Facebook Inc. Com COM 30303M102 5,502 26,805 SH   SOLE   26,805 0 0
Walt Disney Co COM 254687106 5,045 34,879 SH   SOLE   34,879 0 0
SPDRR Gold Shares COM 78463V107 5,018 35,114 SH   SOLE   35,114 0 0
Amazon Com Inc COM 023135106 4,968 2,689 SH   SOLE   2,689 0 0
Home Depot Inc COM 437076102 4,664 21,358 SH   SOLE   21,358 0 0
Pfizer Incorporated COM 717081103 4,633 118,247 SH   SOLE   118,247 0 0
iShares Core MSCI Emerging Markets COM 46434G103 4,360 81,109 SH   SOLE   81,109 0 0
Union Pacific Corp COM 907818108 4,349 24,055 SH   SOLE   24,055 0 0
SPDRR Blmbg Barclays 1-3 Mth T-Bill ETF COM 78468R663 4,102 44,862 SH   SOLE   44,862 0 0
Procter & Gamble COM 742718109 3,983 31,890 SH   SOLE   31,890 0 0
Lincoln National Corp COM 534187109 3,949 66,929 SH   SOLE   66,929 0 0
Valero Energy Corporation COM 91913Y100 3,532 37,718 SH   SOLE   37,718 0 0
Ecolab Inc COM 278865100 3,447 17,863 SH   SOLE   17,863 0 0
Unilever PLC ADR COM 904767704 3,208 56,117 SH   SOLE   56,117 0 0
Mastercard Inc COM 57636Q104 3,116 10,436 SH   SOLE   10,436 0 0
Vanguard FTSE All-Wld ex-US ETF COM 922042775 3,051 56,769 SH   SOLE   56,769 0 0
Stanley Black & Decker Inc Com COM 854502101 2,822 17,025 SH   SOLE   17,025 0 0
Darden Restaurants Inc COM 237194105 2,445 22,431 SH   SOLE   22,431 0 0
Unitedhealth Group Inc COM 91324P102 2,444 8,312 SH   SOLE   8,312 0 0
iShares NASDAQ Biotech COM 464287556 2,427 20,141 SH   SOLE   20,141 0 0
Exxon Mobil Corp. COM 30231G102 2,405 34,468 SH   SOLE   34,468 0 0
Vanguard Total Stock Market ETF COM 922908769 2,392 14,622 SH   SOLE   14,622 0 0
Target Corporation COM 87612E106 2,360 18,409 SH   SOLE   18,409 0 0
Bank of America Corp. COM 060505104 2,300 65,314 SH   SOLE   65,314 0 0
Corning Inc COM 219350105 2,294 78,807 SH   SOLE   78,807 0 0
Vanguard 500 ETF COM 922908363 2,114 7,147 SH   SOLE   7,147 0 0
Aptiv COM G6095L109 1,822 19,183 SH   SOLE   19,183 0 0
Anheuser-Busch InBev SA/NV ADR COM 03524A108 1,741 21,219 SH   SOLE   21,219 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,717 34,175 SH   SOLE   34,175 0 0
Automatic Data Processing COM 053015103 1,635 9,588 SH   SOLE   9,588 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 1,495 24,580 SH   SOLE   24,580 0 0
Conoco-Phillips COM 20825C104 1,490 22,910 SH   SOLE   22,910 0 0
Chevron Corp COM 166764100 1,479 12,274 SH   SOLE   12,274 0 0
iShares Global REIT ETF COM 46434V647 1,442 52,203 SH   SOLE   52,203 0 0
Verizon Communications COM 92343V104 1,436 23,393 SH   SOLE   23,393 0 0
Duke Energy Corporation COM 26441C204 1,432 15,697 SH   SOLE   15,697 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,429 29,097 SH   SOLE   29,097 0 0
Amgen, Inc. COM 031162100 1,370 5,682 SH   SOLE   5,682 0 0
Nextera Energy Inc Com COM 65339F101 1,343 5,547 SH   SOLE   5,547 0 0
Merck & Co Inc COM 58933Y105 1,268 13,938 SH   SOLE   13,938 0 0
CVS Corp COM 126650100 1,212 16,318 SH   SOLE   16,318 0 0
iShares Barclay Tips COM 464287176 1,212 10,398 SH   SOLE   10,398 0 0
Travelers Companies Inc COM 89417E109 1,170 8,544 SH   SOLE   8,544 0 0
Thermo Fisher Scientific Inc COM 883556102 1,153 3,549 SH   SOLE   3,549 0 0
Constellation Brand Cl A COM 21036P108 1,106 5,830 SH   SOLE   5,830 0 0
Emerson Electric COM 291011104 1,066 13,985 SH   SOLE   13,985 0 0
Vanguard FTSE Europe ETF COM 922042874 1,036 17,684 SH   SOLE   17,684 0 0
First Bancorp N C COM 318910106 1,017 25,485 SH   SOLE   25,485 0 0
ING Group Pfd COM 456837509 989 37,978 SH   SOLE   37,978 0 0
Sysco Corp COM 871829107 985 11,517 SH   SOLE   11,517 0 0
Vanguard High Dividend Yield ETF COM 921946406 983 10,490 SH   SOLE   10,490 0 0
AT&T COM 00206R102 964 24,675 SH   SOLE   24,675 0 0
Deere & Co COM 244199105 876 5,058 SH   SOLE   5,058 0 0
Philip Morris Intl COM 718172109 873 10,257 SH   SOLE   10,257 0 0
Vanguard Dividend Appreciation ETF COM 921908844 873 7,000 SH   SOLE   7,000 0 0
General Mills Inc COM 370334104 858 16,011 SH   SOLE   16,011 0 0
Wells Fargo & Co COM 949746101 826 15,361 SH   SOLE   15,361 0 0
Altria Group Inc COM 02209S103 803 16,091 SH   SOLE   16,091 0 0
Renaissancere COM G7498P309 798 30,730 SH   SOLE   30,730 0 0
Royal Bk Cda Montreal COM 780087102 795 10,038 SH   SOLE   10,038 0 0
Sector Spdr Fincl Select COM 81369Y605 794 25,796 SH   SOLE   25,796 0 0
iShares National Muni Bond ETF COM 464288414 791 6,941 SH   SOLE   6,941 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 788 9,770 SH   SOLE   9,770 0 0
Global Payments Inc COM 37940X102 780 4,273 SH   SOLE   4,273 0 0
Alphabet Inc Class C COM 02079K107 778 582 SH   SOLE   582 0 0
Coca Cola Company COM 191216100 776 14,026 SH   SOLE   14,026 0 0
NBT Bancorp Inc COM 628778102 726 17,897 SH   SOLE   17,897 0 0
iShares S&P Midcap COM 464287507 643 3,124 SH   SOLE   3,124 0 0
Toro Co Com COM 891092108 637 8,000 SH   SOLE   8,000 0 0
iShares MSCI EAFE ETF COM 464287465 634 9,132 SH   SOLE   9,132 0 0
SPDRR S&P 500 ETF COM 78462F103 627 1,949 SH   SOLE   1,949 0 0
Annaly Capital COM 035710870 619 23,945 SH   SOLE   23,945 0 0
Truist Finl Corp Com COM 89832Q109 611 10,854 SH   SOLE   10,854 0 0
Qualcomm Inc COM 747525103 608 6,890 SH   SOLE   6,890 0 0
Yum Brands Inc Com COM 988498101 597 5,930 SH   SOLE   5,930 0 0
United Technologies COM 913017109 588 3,929 SH   SOLE   3,929 0 0
Bristol-Myers Squibb Co COM 110122108 581 9,058 SH   SOLE   9,058 0 0
Nestle S A Reg B Adr COM 641069406 579 5,350 SH   SOLE   5,350 0 0
Capital One Financial Corp COM 14040H105 573 5,570 SH   SOLE   5,570 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 566 10,568 SH   SOLE   10,568 0 0
Oracle Corporation COM 68389X105 545 10,280 SH   SOLE   10,280 0 0
Abbott Laboratories COM 002824100 541 6,230 SH   SOLE   6,230 0 0
Gabelli Divid & Incm Pfd COM 345395206 534 20,697 SH   SOLE   20,697 0 0
iShares Floating Rate Bond ETF COM 46429B655 525 10,308 SH   SOLE   10,308 0 0
General Electric Co. COM 369604103 501 44,877 SH   SOLE   44,877 0 0
Enbridge Inc COM 29250N105 484 12,162 SH   SOLE   12,162 0 0
Sector Spdr Engy Select COM 81369Y506 476 7,930 SH   SOLE   7,930 0 0
Alibaba Group Hldg COM 01609W102 467 2,200 SH   SOLE   2,200 0 0
Dominion Resources Inc VA New COM 25746U109 465 5,613 SH   SOLE   5,613 0 0
Assured Gty Muni PFD 04623A304 452 17,020 SH   SOLE   17,020 0 0
Baxter International Inc COM 071813109 440 5,268 SH   SOLE   5,268 0 0
3M Company COM 88579Y101 431 2,445 SH   SOLE   2,445 0 0
Russell Midcap ETF COM 464287499 429 7,200 SH   SOLE   7,200 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 427 18,689 SH   SOLE   18,689 0 0
iShares CEF Real Estate COM 464287739 426 4,575 SH   SOLE   4,575 0 0
Ingersoll Rand Co Cl A COM G47791101 419 3,155 SH   SOLE   3,155 0 0
Broadcom Inc Com COM 11135F101 419 1,325 SH   SOLE   1,325 0 0
Abbvie Inc COM 00287Y109 416 4,697 SH   SOLE   4,697 0 0
International Business Machines COM 459200101 409 3,055 SH   SOLE   3,055 0 0
iShares S&P 600 Smallcap COM 464287804 405 4,833 SH   SOLE   4,833 0 0
Vanguard Total International Stock COM 921909768 398 7,145 SH   SOLE   7,145 0 0
Texas Instruments Inc COM 882508104 392 3,052 SH   SOLE   3,052 0 0
Sector Spdr Health Fund COM 81369Y209 390 3,832 SH   SOLE   3,832 0 0
Mondelez COM 609207105 388 7,042 SH   SOLE   7,042 0 0
The Southern Company COM 842587107 384 6,022 SH   SOLE   6,022 0 0
Northrop Grumman Corp COM 666807102 371 1,079 SH   SOLE   1,079 0 0
Capital One PFD 14040H881 369 14,240 SH   SOLE   14,240 0 0
Four Corners Property Trust COM 35086T109 365 12,957 SH   SOLE   12,957 0 0
Public Storage PFD 74460W800 353 14,011 SH   SOLE   14,011 0 0
Ametek INC COM 031100100 349 3,500 SH   SOLE   3,500 0 0
iShares COMEX Gold Trust COM 464285105 349 24,050 SH   SOLE   24,050 0 0
Host Hotels & Resorts COM 44107P104 343 18,478 SH   SOLE   18,478 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 342 4,215 SH   SOLE   4,215 0 0
Hometrust Bancshares Inc COM 437872104 338 12,600 SH   SOLE   12,600 0 0
Kimberly-Clark Corp COM 494368103 331 2,409 SH   SOLE   2,409 0 0
Magellan Midstream Partne COM 559080106 330 5,245 SH   SOLE   5,245 0 0
L3Harris Technologies Ord COM 502431109 325 1,645 SH   SOLE   1,645 0 0
Eaton Corp PLC COM G29183103 318 3,352 SH   SOLE   3,352 0 0
Dupont De Nemours Inc COM 26614N102 305 4,744 SH   SOLE   4,744 0 0
Royal Dutch Shell A Adrf COM 131004202 301 5,100 SH   SOLE   5,100 0 0
Blackrock Core Bd TRUST COM 09249E101 288 19,750 SH   SOLE   19,750 0 0
Yum China Holdings I COM 98850P109 287 5,981 SH   SOLE   5,981 0 0
Honeywell, Inc. COM 438516106 284 1,602 SH   SOLE   1,602 0 0
Fifth Third Bancorp COM 316773100 283 9,199 SH   SOLE   9,199 0 0
Boston Scientific Corp Co COM 101137107 276 6,098 SH   SOLE   6,098 0 0
Dow Inc COM 260557103 272 4,964 SH   SOLE   4,964 0 0
Eversource Energy COM 30040W108 269 3,160 SH   SOLE   3,160 0 0
Sector Spdr Util Select COM 81369Y886 269 4,160 SH   SOLE   4,160 0 0
Allergan Inc COM G0177J108 266 1,390 SH   SOLE   1,390 0 0
Accenture Ltd Cl A COM G1151C101 263 1,248 SH   SOLE   1,248 0 0
Public Service Enterprise Group Inc COM 744573106 262 4,437 SH   SOLE   4,437 0 0
Russell 2000 Growth ETF COM 464287648 253 1,183 SH   SOLE   1,183 0 0
Fedex Corporation COM 31428X106 253 1,673 SH   SOLE   1,673 0 0
Goldman Sachs Gp Dep Shs PFD 38143Y665 253 11,577 SH   SOLE   11,577 0 0
Nokia Corp Spon Adr COM 654902204 249 67,200 SH   SOLE   67,200 0 0
SPDRR Portfolio Mid Cap ETF COM 78464A847 243 6,715 SH   SOLE   6,715 0 0
Raytheon Company New COM 755111507 242 1,103 SH   SOLE   1,103 0 0
Paychex Inc COM 704326107 241 2,834 SH   SOLE   2,834 0 0
Waste Management, Inc. COM 94106L109 234 2,055 SH   SOLE   2,055 0 0
Carnival Corp New COM 143658300 226 4,445 SH   SOLE   4,445 0 0
Nuveen AMT-Free Municipal COM 670657105 215 14,962 SH   SOLE   14,962 0 0
Aqua America Inc. Com COM 03836W103 214 4,553 SH   SOLE   4,553 0 0
Paypal Holdings Inc COM 70450Y103 214 1,974 SH   SOLE   1,974 0 0
SPDRR S&P Emerging Markets ETF COM 78463X509 212 5,630 SH   SOLE   5,630 0 0
American National Bankshares Inc COM 027745108 210 5,302 SH   SOLE   5,302 0 0
Vanguard FTSE Pacific ETF COM 922042866 208 2,996 SH   SOLE   2,996 0 0
Boeing Co COM 097023105 206 632 SH   SOLE   632 0 0
Becton Dickinson COM 075887109 205 752 SH   SOLE   752 0 0
Visa Inc Cl A COM 92826C839 203 1,083 SH   SOLE   1,083 0 0
Vanguard IT ETF COM 92204A702 203 830 SH   SOLE   830 0 0
Sector Spdr Tech Select COM 81369Y803 202 2,200 SH   SOLE   2,200 0 0
Streettracks Series Trust SPDR Pharmaceuticals COM 78464A722 201 4,400 SH   SOLE   4,400 0 0