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		<nameOfIssuer>Abbott Laboratories             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>1959</value>
		<shrsOrPrnAmt>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>Abbvie Inc                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>2250</value>
		<shrsOrPrnAmt>
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			<None>0</None>
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		<nameOfIssuer>Allegion                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0176J109</cusip>
		<value>526</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11902</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11902</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Allstate Corp                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>020002101</cusip>
		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3788</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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			<None>0</None>
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		<nameOfIssuer>Amer Intl Group Inc             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>026874784</cusip>
		<value>1888</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36985</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36985</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>American Express                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>1306</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14396</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14396</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Amgen Inc                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2817</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>Anheuser Busch                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>03524A108</cusip>
		<value>3394</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31882</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31882</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Apple Inc                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>5244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9348</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9348</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Ascena Retail Group             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>04351G101</cusip>
		<value>1304</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61611</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61611</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>AT&amp;T                            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>529</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15050</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15050</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Automatic Data Processing Inc   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>053015103</cusip>
		<value>541</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6695</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Bank of America                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>4511</value>
		<shrsOrPrnAmt>
			<sshPrnamt>289713</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>289713</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Berkshire Hathaway Cl B         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>4474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37734</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37734</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Berkshire Hathaway Inc Del Cl   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670108</cusip>
		<value>712</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Bhp Billiton ADR                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>05545E209</cusip>
		<value>229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3694</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3694</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Bristol Myers Squibb            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>547</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10285</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>C &amp; F Finl Corp                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>12466Q104</cusip>
		<value>289</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6320</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Caterpillar Inc                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>2110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23231</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23231</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Chevron Corp                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>473</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3785</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3785</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Chicago Bridge &amp;    Iron Compa  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>167250109</cusip>
		<value>271</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3261</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3261</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Cisco Systems                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>3229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>143968</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>143968</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Clorox Co                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>189054109</cusip>
		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2236</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2236</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Coca Cola                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>300</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7273</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Conagra Foods Inc               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>205887102</cusip>
		<value>376</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11162</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11162</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Covidien                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G2554F113</cusip>
		<value>3471</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50976</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50976</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>CSX Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>2158</value>
		<shrsOrPrnAmt>
			<sshPrnamt>74998</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74998</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>CVS Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>2114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29533</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29533</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Darden Restaurants              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>237194105</cusip>
		<value>2388</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43926</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43926</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Devon Energy                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25179M103</cusip>
		<value>2015</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32562</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32562</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Disney                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>3721</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48698</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48698</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dow Chemical Co                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>260543103</cusip>
		<value>362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8145</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26441C204</cusip>
		<value>3329</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48242</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48242</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EMC Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>268648102</cusip>
		<value>3038</value>
		<shrsOrPrnAmt>
			<sshPrnamt>120802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>120802</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ensco Intl                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G3157S106</cusip>
		<value>2595</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45388</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45388</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Express Scripts                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30219G108</cusip>
		<value>1640</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23349</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23349</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>3485</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34435</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>34435</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>First Citizens Bancshares CL A  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>31946M103</cusip>
		<value>445</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Fluor Corp New                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>343412102</cusip>
		<value>236</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2942</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2942</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Gamestop                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>36467W109</cusip>
		<value>2833</value>
		<shrsOrPrnAmt>
			<sshPrnamt>57513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>57513</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Electric                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>3741</value>
		<shrsOrPrnAmt>
			<sshPrnamt>133480</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>133480</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Genuine Parts Co                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>372460105</cusip>
		<value>327</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3927</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3927</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Harris                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>413875105</cusip>
		<value>328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4695</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4695</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Hatteras Finl Corp  Com         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>41902R103</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13487</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Ingersoll Rand                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G47791101</cusip>
		<value>2193</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35593</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35593</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Int'l Business Machines         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>831</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4431</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4431</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel                           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>354</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13637</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13637</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>John Hancock Bank And Thrift O  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>409735206</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10141</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10141</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>1712</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18697</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18697</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JP Morgan Chase &amp; Co            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>3960</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67711</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>67711</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Key Energy Services Inc         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>492914106</cusip>
		<value>82</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10320</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kimberly Clark                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7892</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kinder Morgan Inc               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49456B101</cusip>
		<value>2270</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63048</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>63048</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Mcdonalds Corp                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580135101</cusip>
		<value>369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3805</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3805</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MDU Resources Group             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>552690109</cusip>
		<value>283</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9258</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Medtronic                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>585055106</cusip>
		<value>250</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4349</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4349</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Microsoft                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>4159</value>
		<shrsOrPrnAmt>
			<sshPrnamt>111184</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>111184</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>National Oilwell Varco          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>637071101</cusip>
		<value>2815</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35398</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Norfolk Southern Crp            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>655844108</cusip>
		<value>442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4766</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4766</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Northrop Grumman                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>666807102</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2775</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2775</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Novartis (ADR)                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>66987V109</cusip>
		<value>338</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4205</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4205</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Nvidia Corp                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>215</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13420</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Oracle Corporation              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>2561</value>
		<shrsOrPrnAmt>
			<sshPrnamt>66944</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>66944</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Patterson-UTI Energy            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>703481101</cusip>
		<value>2139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>84485</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pfizer                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>2885</value>
		<shrsOrPrnAmt>
			<sshPrnamt>94201</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>94201</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>PNC Finl Svcs Group             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693475105</cusip>
		<value>2945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37965</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Potash Corp                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>73755L107</cusip>
		<value>422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12794</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12794</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ppg Industries                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693506107</cusip>
		<value>618</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3258</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Precision Castparts Corp        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>740189105</cusip>
		<value>284</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1055</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1055</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Procter &amp; Gamble                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>2555</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31384</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Pulte Homes Inc                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>745867101</cusip>
		<value>742</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36426</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36426</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Qualcomm Inc                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>3389</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45648</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>45648</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Reinsurance Group of America    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>759351604</cusip>
		<value>1955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25253</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Rentech Inc                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>760112102</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Royal Bk Of Canada              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780087102</cusip>
		<value>233</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3470</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3470</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Royal Dutch Shell ADR           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3422</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3422</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sanofi-Aventis Sponsored (ADR)  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>80105N105</cusip>
		<value>2165</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40372</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40372</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Schlumberger Ltd                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806857108</cusip>
		<value>285</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3160</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Seadrill Ltd                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G7945E105</cusip>
		<value>341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8291</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8291</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>South Korea Index Fund          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>464286772</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3975</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Spectra Energy                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>847560109</cusip>
		<value>495</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13899</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13899</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Suntrust Banks Inc              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>867914103</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5965</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5965</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Swiss Helvetia Index Fund       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>870875101</cusip>
		<value>174</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12463</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12463</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Sysco Corp                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871829107</cusip>
		<value>316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8755</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8755</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TJX Companies                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>3882</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60913</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60913</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Union Pacific Corp              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>249</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1481</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1481</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>United Technologies             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>3747</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32930</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32930</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon Communications          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>483</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9828</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9828</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vodafone Group (ADR)            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92857W209</cusip>
		<value>4035</value>
		<shrsOrPrnAmt>
			<sshPrnamt>102645</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102645</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wal-Mart Stores                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>3297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41898</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41898</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Consumer Discretionary (SPDR)   </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y407</cusip>
		<value>2078</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31087</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31087</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Consumer Staples (SPDR)         </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y308</cusip>
		<value>1151</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26769</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26769</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EAFE Index (Dev Int'l)          </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287465</cusip>
		<value>518</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7718</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7718</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Energy (Vanguard)               </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>92204A306</cusip>
		<value>1622</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12829</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12829</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Financials (SPDR)               </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y605</cusip>
		<value>1987</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90903</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>90903</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global Materials (ishares)      </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464288695</cusip>
		<value>321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5145</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Global Telecom (ishares)        </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287275</cusip>
		<value>362</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5296</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Health Care (SPDR)              </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y209</cusip>
		<value>1287</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23212</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23212</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Industrials (SPDR)              </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y704</cusip>
		<value>1508</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28849</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28849</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 3000 Index      </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287689</cusip>
		<value>809</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7314</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7314</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>S&amp;P 500                         </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>78462F103</cusip>
		<value>813</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4400</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Technology (Vanguard)           </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>92204A702</cusip>
		<value>2074</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23165</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Utilities (SPDR)                </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y886</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6303</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6303</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Enterprise Products Pptns Lp    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>293792107</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3883</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3883</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
</informationTable>
