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		<nameOfIssuer>Abbott Laboratories             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>2635</value>
		<shrsOrPrnAmt>
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			<None>0</None>
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		<nameOfIssuer>Abbvie Inc                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>3957</value>
		<shrsOrPrnAmt>
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			<None>0</None>
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		<nameOfIssuer>Aflac Inc                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>001055102</cusip>
		<value>222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3195</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3195</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Allergan PLC                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>3188</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15180</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15180</Sole>
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			<None>0</None>
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		<nameOfIssuer>Allstate Corp                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>020002101</cusip>
		<value>314</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4243</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4243</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Alphabet Inc Class C            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02079K107</cusip>
		<value>3024</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3918</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3918</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Altria Group Inc                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02209S103</cusip>
		<value>514</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7605</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Amazon.Com Inc                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>2028</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2704</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2704</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>American Elec Pwr Co            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025537101</cusip>
		<value>122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1934</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1934</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>American Express                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>989</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13355</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13355</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>American Intl Group Inc         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>026874784</cusip>
		<value>5560</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85134</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>0</None>
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		<nameOfIssuer>Amgen Inc                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2812</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2812</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Analog Devices Inc              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>032654105</cusip>
		<value>1242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17097</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Apple Inc                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>6291</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54321</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54321</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>AT&amp;T                            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>2245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52787</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52787</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Automatic Data Processing Inc   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>053015103</cusip>
		<value>225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2186</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2186</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Bank of America                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>324</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14667</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>BB&amp;T Corp                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>054937107</cusip>
		<value>280</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5952</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5952</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Berkley W R Corp                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084423102</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3310</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Berkshire Hathaway Cl B         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>7195</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44145</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>44145</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Blackrock Inc                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09247X101</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Borgwarner Inc                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>099724106</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>100</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>100</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Bristol Myers Squibb            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>2082</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35620</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35620</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>C &amp; F Finl Corp                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>12466Q104</cusip>
		<value>260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5220</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5220</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Caterpillar Inc                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>662</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>7140</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Chemed Corp                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>16359R103</cusip>
		<value>259</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1615</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Chevron Corp                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>1789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15203</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Cisco Systems                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>4543</value>
		<shrsOrPrnAmt>
			<sshPrnamt>150320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>150320</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Coca Cola                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>1251</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30168</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30168</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Cognizant Tech      Solutions   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>192446102</cusip>
		<value>2156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38475</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38475</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Colgate-Palmolive Co            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>56</value>
		<shrsOrPrnAmt>
			<sshPrnamt>862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>862</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Comcast Corp Cl A               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20030N101</cusip>
		<value>265</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3833</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3833</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ConocoPhillips                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>1411</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28132</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28132</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Costco Wholesale Corp           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22160K105</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CSX Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>2973</value>
		<shrsOrPrnAmt>
			<sshPrnamt>82746</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>82746</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Cullen Frost Bankersinc         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>229899109</cusip>
		<value>1610</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18244</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18244</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CVS Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>2542</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32218</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>32218</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Diageo Plc                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25243Q205</cusip>
		<value>1565</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15055</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>15055</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Disney                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>5201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>49900</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dominion Resources  Inc Va  Ne  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25746U109</cusip>
		<value>25</value>
		<shrsOrPrnAmt>
			<sshPrnamt>325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>325</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Dow Chemical Co                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>260543103</cusip>
		<value>2360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41237</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41237</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Du Pont E.I. De Nemours &amp; Co    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>2260</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30786</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30786</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26441C204</cusip>
		<value>1342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17284</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17284</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Emerson Electric Co             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>291011104</cusip>
		<value>1955</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35069</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35069</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ensco Intl                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G3157S106</cusip>
		<value>111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11420</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EOG Resources Inc               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26875P101</cusip>
		<value>2085</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20622</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20622</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EQT Corp                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26884L109</cusip>
		<value>2015</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30808</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30808</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Express Scripts                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30219G108</cusip>
		<value>2597</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37756</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>37756</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>3664</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40597</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40597</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>First Citizens Bancshares CL A  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>31946M103</cusip>
		<value>355</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1000</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ford Motor Co.                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>345370860</cusip>
		<value>1683</value>
		<shrsOrPrnAmt>
			<sshPrnamt>138770</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>138770</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Gamestop                        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>36467W109</cusip>
		<value>1617</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63996</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>63996</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Electric                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>4587</value>
		<shrsOrPrnAmt>
			<sshPrnamt>145164</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>145164</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Mills Inc               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>370334104</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Gilead Sciences                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>375558103</cusip>
		<value>100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1401</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1401</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Glaxosmithkline ADR             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>37733W105</cusip>
		<value>1647</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42776</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42776</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Goldman Sachs Group Inc         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>38141G104</cusip>
		<value>229</value>
		<shrsOrPrnAmt>
			<sshPrnamt>955</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>955</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Hanesbrands Inc Com             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>410345102</cusip>
		<value>212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9806</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9806</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Harris                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>413875105</cusip>
		<value>441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4306</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4306</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HCP Inc                         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>40414L109</cusip>
		<value>1432</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48169</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48169</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Helen of Troy                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G4388N106</cusip>
		<value>240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2837</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2837</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Henry Schein Inc                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806407102</cusip>
		<value>219</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1441</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1441</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Honeywell Intl Inc              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>2097</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18098</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18098</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ingersoll Rand                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G47791101</cusip>
		<value>2962</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39478</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>39478</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel                           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>1756</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48428</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48428</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Int'l Business Machines         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>536</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3228</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Jacobs Engineering Group        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>469814107</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4196</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4196</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JM Smucker Co                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>832696405</cusip>
		<value>222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1733</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1733</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>4245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36844</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36844</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JP Morgan Chase &amp; Co            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>6592</value>
		<shrsOrPrnAmt>
			<sshPrnamt>76399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>76399</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kimberly Clark                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>1369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11996</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11996</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kinder Morgan Inc               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49456B101</cusip>
		<value>4834</value>
		<shrsOrPrnAmt>
			<sshPrnamt>233395</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>233395</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kraft Heinz Co Com              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>500754106</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>166</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>166</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Laboratory Corp of America      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>50540R409</cusip>
		<value>2723</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21211</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21211</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lilly Eli &amp; Co                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>190</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>190</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lowes Companies                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>548661107</cusip>
		<value>1070</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15038</sshPrnamt>
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		<votingAuthority>
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		<nameOfIssuer>LyondellBasell Industries       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>N53745100</cusip>
		<value>3572</value>
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			<sshPrnamt>41640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41640</Sole>
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			<None>0</None>
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		<nameOfIssuer>Magna Intl Inc                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>559222401</cusip>
		<value>1760</value>
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			<sshPrnamt>40550</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40550</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Mastercard Inc Cl A             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>3297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31933</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31933</Sole>
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			<None>0</None>
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		<nameOfIssuer>McDermott Intl                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580037109</cusip>
		<value>81</value>
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			<sshPrnamt>10900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10900</Sole>
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			<None>0</None>
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		<nameOfIssuer>MDU Resources Group             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>552690109</cusip>
		<value>2155</value>
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			<sshPrnamt>74919</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>74919</Sole>
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		<nameOfIssuer>Medtronic                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>407</value>
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			<sshPrnamt>5712</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5712</Sole>
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		<nameOfIssuer>Merck &amp; Co Inc                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>2391</value>
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			<sshPrnamt>40622</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>40622</Sole>
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			<None>0</None>
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		<nameOfIssuer>Microsoft                       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>10442</value>
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			<sshPrnamt>168041</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>168041</Sole>
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		<nameOfIssuer>Mondelez Intl Inc Com           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>609207105</cusip>
		<value>22</value>
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			<sshPrnamt>505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>505</Sole>
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			<None>0</None>
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		<nameOfIssuer>NASDAQ OMX Group                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>631103108</cusip>
		<value>284</value>
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			<sshPrnamt>4228</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4228</Sole>
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			<None>0</None>
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		<nameOfIssuer>National Grid Adr               </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>636274300</cusip>
		<value>838</value>
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			<sshPrnamt>14366</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14366</Sole>
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		<nameOfIssuer>Norfolk Southern Crp            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>655844108</cusip>
		<value>2264</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20949</Sole>
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			<None>0</None>
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		<nameOfIssuer>Novartis (ADR)                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>66987V109</cusip>
		<value>1556</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21368</Sole>
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			<None>0</None>
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		<nameOfIssuer>Nvidia Corp                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>738</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6910</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6910</Sole>
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			<None>0</None>
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		<nameOfIssuer>NXP Semiconductors N V          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>2868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29264</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>29264</Sole>
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			<None>0</None>
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		<nameOfIssuer>Pepsico Inc                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>2945</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28147</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>28147</Sole>
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		<nameOfIssuer>Perrigo Co                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G97822103</cusip>
		<value>1690</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>Pfizer                          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>1720</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52969</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52969</Sole>
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		<nameOfIssuer>Philip Morris Intl              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>60</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>656</Sole>
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		<nameOfIssuer>PNC Finl Svcs Group             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693475105</cusip>
		<value>4827</value>
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			<sshPrnamt>41271</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41271</Sole>
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		<nameOfIssuer>Ppg Industries                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693506107</cusip>
		<value>284</value>
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			<sshPrnamt>3000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3000</Sole>
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		<nameOfIssuer>Priceline Inc                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>741503403</cusip>
		<value>2529</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1725</Sole>
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		<nameOfIssuer>Procter &amp; Gamble                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>5147</value>
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			<sshPrnamt>61213</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61213</Sole>
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		<nameOfIssuer>Pulte Homes Inc                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>745867101</cusip>
		<value>643</value>
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			<sshPrnamt>35000</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35000</Sole>
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		<nameOfIssuer>Robert Half Intl Inc            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>770323103</cusip>
		<value>252</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5163</Sole>
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		<nameOfIssuer>Royal Dutch Shell A             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>11</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>200</Sole>
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		<nameOfIssuer>Royal Dutch Shell ADR           </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>1486</value>
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			<sshPrnamt>27322</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27322</Sole>
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		<nameOfIssuer>Schlumberger Ltd                </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806857108</cusip>
		<value>3014</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>35905</Sole>
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		<nameOfIssuer>Seagate Technology              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>1398</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36624</Sole>
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		<nameOfIssuer>Southern Co                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>1227</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24943</Sole>
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		<nameOfIssuer>Spectra Energy                  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>847560109</cusip>
		<value>2157</value>
		<shrsOrPrnAmt>
			<sshPrnamt>52495</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>52495</Sole>
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		<nameOfIssuer>Swiss Helvetia Index Fund       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>870875101</cusip>
		<value>144</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14140</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14140</Sole>
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		<nameOfIssuer>Synopsys Inc                    </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871607107</cusip>
		<value>238</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4046</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4046</Sole>
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		<nameOfIssuer>Sysco Corp                      </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871829107</cusip>
		<value>83</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1498</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1498</Sole>
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		<nameOfIssuer>Tanger Factory Outlet Ctrs Inc  </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>875465106</cusip>
		<value>1386</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38747</Sole>
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		<nameOfIssuer>Thermo Fisher Scientific        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>883556102</cusip>
		<value>264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1874</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1874</Sole>
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		<nameOfIssuer>TJX Companies                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>4654</value>
		<shrsOrPrnAmt>
			<sshPrnamt>61944</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61944</Sole>
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		<nameOfIssuer>Toyota Mtrs Corp Spon Adr       </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>892331307</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1938</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1938</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Tyson Foods Inc Cl Afrmly Com   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>902494103</cusip>
		<value>222</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Unilever Plc New    Spons Adr   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>904767704</cusip>
		<value>1133</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27841</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>27841</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Union Pacific Corp              </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>474</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4574</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4574</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>United Technologies             </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>4032</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36779</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36779</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon Communications          </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>6033</value>
		<shrsOrPrnAmt>
			<sshPrnamt>113011</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>113011</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>VF Corp                         </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>918204108</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4433</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4433</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Visa Inc Cl A                   </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92826C839</cusip>
		<value>2598</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>33296</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Vodafone Group (ADR)            </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92857W308</cusip>
		<value>1442</value>
		<shrsOrPrnAmt>
			<sshPrnamt>59020</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>59020</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Walgreens Boots Alliance        </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931427108</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Wal-Mart Stores                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>3385</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48980</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>48980</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Wells Fargo                     </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>4418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>80165</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>80165</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Weyerhaeuser Co                 </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>962166104</cusip>
		<value>1113</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36975</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36975</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Global Telecom (ishares)        </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287275</cusip>
		<value>237</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4035</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4035</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>EAFE Index (Dev Int'l)          </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287465</cusip>
		<value>103</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1780</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>iShares Russell 3000 Index      </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287689</cusip>
		<value>772</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5806</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5806</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>iShares S&amp;P Smallcap 600        </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464287804</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>78</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>78</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>Global Materials (ishares)      </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>464288695</cusip>
		<value>202</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3684</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>S&amp;P 500                         </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>78462F103</cusip>
		<value>373</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1669</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1669</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Health Care (SPDR)              </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y209</cusip>
		<value>1739</value>
		<shrsOrPrnAmt>
			<sshPrnamt>25225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25225</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Consumer Staples (SPDR)         </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y308</cusip>
		<value>1035</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20015</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20015</Sole>
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			<None>0</None>
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		<nameOfIssuer>Consumer Discretionary (SPDR)   </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y407</cusip>
		<value>1210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14863</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>14863</Sole>
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			<None>0</None>
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		<nameOfIssuer>Financials (SPDR)               </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y605</cusip>
		<value>1987</value>
		<shrsOrPrnAmt>
			<sshPrnamt>85477</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>85477</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Industrials (SPDR)              </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>81369Y704</cusip>
		<value>1354</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>21765</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>Energy (Vanguard)               </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>92204A306</cusip>
		<value>1284</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12262</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>12262</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>Technology (Vanguard)           </nameOfIssuer>
		<titleOfClass>ETF        </titleOfClass>
		<cusip>92204A702</cusip>
		<value>2320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>19096</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>2124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>55316</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Shared>0</Shared>
			<None>55316</None>
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		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>2279</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3039</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3039</None>
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		<nameOfIssuer>AMERICAN ELECTRIC POWER CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025537101</cusip>
		<value>307</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4883</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4883</None>
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		<nameOfIssuer>AMERICAN INTERNATIONAL GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>026874784</cusip>
		<value>5535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>84740</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>84740</None>
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		<nameOfIssuer>AMERICAN NATL BANKSHARES INCCOM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>027745108</cusip>
		<value>6425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>184684</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>184684</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>032654105</cusip>
		<value>874</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12037</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12037</None>
		</votingAuthority>
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		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>7895</value>
		<shrsOrPrnAmt>
			<sshPrnamt>68170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>68170</None>
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		<nameOfIssuer>AUTODESK INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>052769106</cusip>
		<value>326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4399</None>
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	<infoTable>
		<nameOfIssuer>BB&amp;T CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>054937107</cusip>
		<value>1969</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41893</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41893</None>
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		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>268</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12124</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12124</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL  CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670108</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1</None>
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		<nameOfIssuer>BERKSHIRE HATHAWAY INC      DEL CL B NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>084670702</cusip>
		<value>6391</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>39216</None>
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		<nameOfIssuer>BORG WARNER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>099724106</cusip>
		<value>963</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>24434</None>
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		<nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>1422</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24330</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>24330</None>
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	<infoTable>
		<nameOfIssuer>CSX CORP                    COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>3154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87781</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>87781</None>
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		<nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>1947</value>
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			<sshPrnamt>24675</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>24675</None>
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		<nameOfIssuer>CABELAS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126804301</cusip>
		<value>315</value>
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			<sshPrnamt>5386</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>5386</None>
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		<nameOfIssuer>CAMPBELL SOUP COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>134429109</cusip>
		<value>224</value>
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			<sshPrnamt>3701</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<Sole>0</Sole>
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			<None>3701</None>
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		<nameOfIssuer>CAROLINA BANK HOLDINGS      GREENSBORO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>143785103</cusip>
		<value>3515</value>
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			<sshPrnamt>136149</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>136149</None>
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		<nameOfIssuer>CELGENE CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>151020104</cusip>
		<value>2193</value>
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			<sshPrnamt>18947</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>18947</None>
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		<nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>1883</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>16000</None>
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		<nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>1510</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36429</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>36429</None>
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		<nameOfIssuer>COGNIZANT TECH SOLUTIONS    CORP CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>192446102</cusip>
		<value>1980</value>
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			<sshPrnamt>35342</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>35342</None>
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		<nameOfIssuer>COLGATE PALMOLIVE COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>194162103</cusip>
		<value>1405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21472</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>21472</None>
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		<nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>229899109</cusip>
		<value>1038</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11764</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>11764</None>
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		<nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>237194105</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2882</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>2882</None>
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		<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>4894</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46954</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>46954</None>
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		<nameOfIssuer>DOW CHEMICAL CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>260543103</cusip>
		<value>1711</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29918</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>29918</None>
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		<nameOfIssuer>EI DU PONT DE NEMOURS &amp; CO.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>263534109</cusip>
		<value>2777</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37834</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>37834</None>
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		<nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>291011104</cusip>
		<value>1535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27536</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>27536</None>
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		<nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>345370860</cusip>
		<value>986</value>
		<shrsOrPrnAmt>
			<sshPrnamt>81287</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>81287</None>
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		<nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>5481</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>370334104</cusip>
		<value>338</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>375558103</cusip>
		<value>1706</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>23816</None>
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		<nameOfIssuer>HONEYWELL INTL INC COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>2570</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>22192</None>
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		<nameOfIssuer>HOOKER FURNITURE CORP</nameOfIssuer>
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		<cusip>439038100</cusip>
		<value>323</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>8500</None>
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		<nameOfIssuer>ILLUMINA INC</nameOfIssuer>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>INTEL CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>917</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>INTERNATIONAL BUSINESS MACHSCOM</nameOfIssuer>
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		<nameOfIssuer>ISHARES CORE U.S. AGGREGATE BOND ETF</nameOfIssuer>
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		<nameOfIssuer>ETF ISHS IBOXX $INVEST GRADECOPR BD FUND</nameOfIssuer>
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		<value>953</value>
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		<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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		<value>3649</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>ISHARES CORE S&amp;P SMALLCAP</nameOfIssuer>
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		<nameOfIssuer>ISHARES INTERMED GOVT/CREDITBOND</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
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		<nameOfIssuer>JOHNSON &amp; JOHNSON           COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
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		<nameOfIssuer>KIMBERLY CLARK CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
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		<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
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		<cusip>500754106</cusip>
		<value>264</value>
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			<sshPrnamt>3031</sshPrnamt>
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			<None>3031</None>
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		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>506</value>
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			<sshPrnamt>6892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>6892</None>
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		<nameOfIssuer>MDU RES GROUP INC           COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>552690109</cusip>
		<value>1274</value>
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			<sshPrnamt>44296</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>44296</None>
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		<nameOfIssuer>MAGNA INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>559222401</cusip>
		<value>1690</value>
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			<sshPrnamt>38934</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>38934</None>
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		<nameOfIssuer>MICROSOFT CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>8709</value>
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			<sshPrnamt>140180</sshPrnamt>
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			<None>140180</None>
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		<nameOfIssuer>MONDELEZ INTERNATIONAL INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>609207105</cusip>
		<value>323</value>
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			<sshPrnamt>7273</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>7273</None>
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		<nameOfIssuer>NATIONAL GRID PLC ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>636274300</cusip>
		<value>610</value>
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			<sshPrnamt>10453</sshPrnamt>
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			<None>10453</None>
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		<nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>655844108</cusip>
		<value>1713</value>
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			<sshPrnamt>15849</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>15849</None>
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		<nameOfIssuer>PNC BANK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693475105</cusip>
		<value>4235</value>
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			<sshPrnamt>36208</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>36208</None>
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		<nameOfIssuer>PEPSICO INC                 COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>2813</value>
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			<sshPrnamt>26888</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>26888</None>
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		<nameOfIssuer>PFIZER INC                  COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>1749</value>
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			<sshPrnamt>53869</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>53869</None>
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		<nameOfIssuer>PHILLIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>592</value>
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			<sshPrnamt>6469</sshPrnamt>
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			<None>6469</None>
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		<nameOfIssuer>PRICELINE GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>741503403</cusip>
		<value>2841</value>
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			<sshPrnamt>1938</sshPrnamt>
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			<None>1938</None>
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		<nameOfIssuer>PROCTER &amp; GAMBLE CO         COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>4651</value>
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			<sshPrnamt>55315</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>ROYAL DUTCH SHELL PLC       A SHARES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>780259206</cusip>
		<value>953</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>17517</None>
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		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806857108</cusip>
		<value>3294</value>
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			<sshPrnamt>39244</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>39244</None>
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		<nameOfIssuer>SOUTHERN COMPANY             COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>1037</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>SPECTRA ENERGY CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>847560109</cusip>
		<value>1452</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>35323</None>
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		<nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871829107</cusip>
		<value>619</value>
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			<sshPrnamt>11185</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>4351</value>
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		<nameOfIssuer>TANGER FACTORY OUTLET</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>875465106</cusip>
		<value>898</value>
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		<nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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		<cusip>892356106</cusip>
		<value>450</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>UNILEVER PLC ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>904767704</cusip>
		<value>677</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>16625</None>
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		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>200</value>
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			<sshPrnamt>1930</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>UNITED TECHNOLOGIES CORP    COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>39882</None>
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		<nameOfIssuer>WAL-MART STORES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>2914</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>42160</None>
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		<nameOfIssuer>WALGREENS BOOTS ALLIANCE</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931427108</cusip>
		<value>1484</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>17928</None>
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		<nameOfIssuer>WELLS FARGO &amp; CO NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>3778</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>68549</None>
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		<nameOfIssuer>WEYERHAEUSER CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>962166104</cusip>
		<value>755</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>25109</None>
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		<nameOfIssuer>WHIRLPOOL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>963320106</cusip>
		<value>273</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>1500</None>
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		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>1789</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
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		<cusip>00287Y109</cusip>
		<value>3582</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>57200</None>
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		<nameOfIssuer>ALPHABET INC.</nameOfIssuer>
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		<cusip>02079K107</cusip>
		<value>3476</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>4504</None>
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		<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>02209S103</cusip>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>8607</None>
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		<nameOfIssuer>BLACKROCK INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09247X101</cusip>
		<value>1161</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>3050</None>
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		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>4208</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>139293</None>
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		<nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>931</value>
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			<sshPrnamt>18573</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>0</Sole>
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			<None>18573</None>
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		<nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22160K105</cusip>
		<value>1313</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8202</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8202</None>
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		<nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25243Q205</cusip>
		<value>1514</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14571</None>
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		<nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>25746U109</cusip>
		<value>421</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5497</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5497</None>
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		<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26441C204</cusip>
		<value>1253</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16153</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16153</None>
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		<nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26875P101</cusip>
		<value>2509</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24819</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>24819</None>
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		<nameOfIssuer>EQT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>26884L109</cusip>
		<value>2417</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36949</sshPrnamt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>36949</None>
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		<nameOfIssuer>EXPRESS SCRIPTS HLDG CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30219G108</cusip>
		<value>2648</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38497</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>38497</None>
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		<nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>30231G102</cusip>
		<value>4236</value>
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			<sshPrnamt>46928</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46928</None>
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		<nameOfIssuer>GAMESTOP CORP NEW CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>36467W109</cusip>
		<value>1228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>48624</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>48624</None>
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		<nameOfIssuer>GLAXOSMITHKLINE PLC         SPONSORED ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>37733W105</cusip>
		<value>1094</value>
		<shrsOrPrnAmt>
			<sshPrnamt>28438</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>28438</None>
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		<nameOfIssuer>HCP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>40414L109</cusip>
		<value>777</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26161</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>26161</None>
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		<nameOfIssuer>INTUITIVE SURGICAL INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46120E602</cusip>
		<value>508</value>
		<shrsOrPrnAmt>
			<sshPrnamt>801</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>801</None>
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		<nameOfIssuer>J P MORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>4615</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53488</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>53488</None>
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		<nameOfIssuer>KINDER MORGAN INC DEL       COM</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49456B101</cusip>
		<value>4616</value>
		<shrsOrPrnAmt>
			<sshPrnamt>222991</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
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			<None>222991</None>
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		<nameOfIssuer>LABORATORY CORP OF AMERICA  HLDGS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>50540R409</cusip>
		<value>3016</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23492</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
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			<None>23492</None>
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		<nameOfIssuer>MASTERCARD INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>57636Q104</cusip>
		<value>4240</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>41070</None>
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		<nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>3154</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Shared>0</Shared>
			<None>53571</None>
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		<nameOfIssuer>MONSANTO COMPANY</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>61166W101</cusip>
		<value>486</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4619</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>4619</None>
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		<nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>66987V109</cusip>
		<value>882</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12105</None>
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		<nameOfIssuer>T ROWE PRICE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74144T108</cusip>
		<value>479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6366</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
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			<None>6366</None>
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		<nameOfIssuer>SPDR S&amp;P 500 ETF TR         TR UNIT</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>78462F103</cusip>
		<value>9950</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44515</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>44515</None>
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		<nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>82968B103</cusip>
		<value>89</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>20000</None>
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		<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>4670</value>
		<shrsOrPrnAmt>
			<sshPrnamt>87498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>87498</None>
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		<nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92826C839</cusip>
		<value>2347</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>30073</None>
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		<nameOfIssuer>VODAFONE GROUP PLC NEW ADR</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92857W308</cusip>
		<value>839</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>34354</None>
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		<nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G0177J108</cusip>
		<value>3820</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>OTR</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>18188</None>
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		<nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G47791101</cusip>
		<value>2714</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>SEAGATE TECHNOLOGY PLC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G7945M107</cusip>
		<value>1075</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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		<nameOfIssuer>PERRIGO CO LTD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G97822103</cusip>
		<value>1779</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>21384</None>
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		<nameOfIssuer>LYONDELLBASELL INDUSTRIES</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>N53745100</cusip>
		<value>2947</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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			<None>34354</None>
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		<nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>N6596X109</cusip>
		<value>3316</value>
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		<investmentDiscretion>OTR</investmentDiscretion>
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</informationTable>
