The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 289 1,626 SH   SOLE 0 0 0 1,626
ADOBE SYSTEMS INCORPORATED COM 00724F101 995 1,755 SH   SOLE 0 0 0 1,755
AKAMAI TECHNOLOGIES INC COM 00971T101 895 7,646 SH   SOLE 0 0 0 7,646
ALPHABET INC CAP STK CL A 02079K305 759 262 SH   SOLE 0 0 0 262
ALPHABET INC CAP STK CL C 02079K107 512 177 SH   SOLE 0 0 0 177
ALTRIA GROUP INC COM 02209S103 693 14,619 SH   SOLE 0 0 0 14,619
AMAZON COM INC COM 023135106 1,397 419 SH   SOLE 0 0 0 419
AMERICAN EXPRESS CO COM 025816109 217 1,329 SH   SOLE 0 0 0 1,329
ANALOG DEVICES INC COM 032654105 212 1,207 SH   SOLE 0 0 0 1,207
ANTHEM INC COM 036752103 432 932 SH   SOLE 0 0 0 932
APPLE INC COM 037833100 5,962 33,576 SH   SOLE 0 0 0 33,576
APPLIED MATLS INC COM 038222105 212 1,349 SH   SOLE 0 0 0 1,349
ATRION CORP COM 049904105 952 1,350 SH   SOLE 0 0 0 1,350
AUTOMATIC DATA PROCESSING IN COM 053015103 585 2,371 SH   SOLE 0 0 0 2,371
BALCHEM CORP COM 057665200 287 1,701 SH   SOLE 0 0 0 1,701
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 821 2,746 SH   SOLE 0 0 0 2,746
BK OF AMERICA CORP COM 060505104 1,159 26,055 SH   SOLE 0 0 0 26,055
BLACKSTONE INC COM 09260D107 518 4,004 SH   SOLE 0 0 0 4,004
BOEING CO COM 097023105 289 1,436 SH   SOLE 0 0 0 1,436
BROADCOM INC COM 11135F101 228 343 SH   SOLE 0 0 0 343
CAPITAL ONE FINL CORP COM 14040H105 714 4,920 SH   SOLE 0 0 0 4,920
CATERPILLAR INC COM 149123101 286 1,381 SH   SOLE 0 0 0 1,381
CHEVRON CORP NEW COM 166764100 586 4,990 SH   SOLE 0 0 0 4,990
CISCO SYS INC COM 17275R102 478 7,544 SH   SOLE 0 0 0 7,544
COCA COLA CO COM 191216100 241 4,062 SH   SOLE 0 0 0 4,062
COMCAST CORP NEW CL A 20030N101 889 17,658 SH   SOLE 0 0 0 17,658
COMMUNITY TR BANCORP INC COM 204149108 200 4,593 SH   SOLE 0 0 0 4,593
COSTCO WHSL CORP NEW COM 22160K105 511 900 SH   SOLE 0 0 0 900
CSX CORP COM 126408103 1,138 30,267 SH   SOLE 0 0 0 30,267
CVS HEALTH CORP COM 126650100 221 2,140 SH   SOLE 0 0 0 2,140
DANAHER CORPORATION COM 235851102 312 949 SH   SOLE 0 0 0 949
DEERE & CO COM 244199105 628 1,832 SH   SOLE 0 0 0 1,832
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 12,649 383,307 SH   SOLE 0 0 0 383,307
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 8,633 291,962 SH   SOLE 0 0 0 291,962
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 2,038 74,493 SH   SOLE 0 0 0 74,493
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 9,708 187,768 SH   SOLE 0 0 0 187,768
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 26,856 927,018 SH   SOLE 0 0 0 927,018
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 6,557 109,299 SH   SOLE 0 0 0 109,299
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 17,782 374,204 SH   SOLE 0 0 0 374,204
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 12,290 374,463 SH   SOLE 0 0 0 374,463
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,654 293,158 SH   SOLE 0 0 0 293,158
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 5,533 110,664 SH   SOLE 0 0 0 110,664
DISNEY WALT CO COM 254687106 1,194 7,706 SH   SOLE 0 0 0 7,706
DOMINION ENERGY INC COM 25746U109 1,213 15,444 SH   SOLE 0 0 0 15,444
DUKE ENERGY CORP NEW COM NEW 26441C204 379 3,617 SH   SOLE 0 0 0 3,617
ENBRIDGE INC COM 29250N105 242 6,186 SH   SOLE 0 0 0 6,186
ENPHASE ENERGY INC COM 29355A107 2,478 13,548 SH   SOLE 0 0 0 13,548
EXXON MOBIL CORP COM 30231G102 6,098 99,659 SH   SOLE 0 0 0 99,659
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 489 19,595 SH   SOLE 0 0 0 19,595
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 369 5,543 SH   SOLE 0 0 0 5,543
HOME DEPOT INC COM 437076102 1,785 4,302 SH   SOLE 0 0 0 4,302
HONEYWELL INTL INC COM 438516106 783 3,756 SH   SOLE 0 0 0 3,756
INTEL CORP COM 458140100 340 6,594 SH   SOLE 0 0 0 6,594
INTERNATIONAL BUSINESS MACHS COM 459200101 1,019 7,625 SH   SOLE 0 0 0 7,625
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 454 5,620 SH   SOLE 0 0 0 5,620
INVESCO QQQ TR UNIT SER 1 46090E103 1,414 3,555 SH   SOLE 0 0 0 3,555
ISHARES GOLD TR ISHARES NEW 464285204 1,163 33,400 SH   SOLE 0 0 0 33,400
ISHARES INC CORE MSCI EMKT 46434G103 801 13,379 SH   SOLE 0 0 0 13,379
ISHARES TR CORE MSCI EAFE 46432F842 472 6,318 SH   SOLE 0 0 0 6,318
ISHARES TR CORE 1 5 YR USD 46432F859 809 16,046 SH   SOLE 0 0 0 16,046
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,341 12,664 SH   SOLE 0 0 0 12,664
ISHARES TR CORE HIGH DV ETF 46429B663 250 2,475 SH   SOLE 0 0 0 2,475
ISHARES TR SHRT NAT MUN ETF 464288158 503 4,683 SH   SOLE 0 0 0 4,683
ISHARES TR EAFE SML CP ETF 464288273 1,452 19,872 SH   SOLE 0 0 0 19,872
ISHARES TR CORE S&P TTL STK 464287150 681 6,370 SH   SOLE 0 0 0 6,370
ISHARES TR NATIONAL MUN ETF 464288414 261 2,242 SH   SOLE 0 0 0 2,242
ISHARES TR EAFE VALUE ETF 464288877 836 16,594 SH   SOLE 0 0 0 16,594
ISHARES TR MSCI EMG MKT ETF 464287234 323 6,619 SH   SOLE 0 0 0 6,619
ISHARES TR S&P 100 ETF 464287101 762 3,480 SH   SOLE 0 0 0 3,480
ISHARES TR SELECT DIVID ETF 464287168 579 4,725 SH   SOLE 0 0 0 4,725
ISHARES TR RUS 2000 GRW ETF 464287648 619 2,111 SH   SOLE 0 0 0 2,111
ISHARES TR S&P MC 400VL ETF 464287705 288 2,603 SH   SOLE 0 0 0 2,603
ISHARES TR CORE S&P SCP ETF 464287804 579 5,055 SH   SOLE 0 0 0 5,055
ISHARES TR SP SMCP600VL ETF 464287879 1,597 15,286 SH   SOLE 0 0 0 15,286
ISHARES TR CORE S&P500 ETF 464287200 1,711 3,588 SH   SOLE 0 0 0 3,588
ISHARES TR RUS 1000 ETF 464287622 343 1,298 SH   SOLE 0 0 0 1,298
ISHARES TR RUS 1000 VAL ETF 464287598 313 1,865 SH   SOLE 0 0 0 1,865
ISHARES TR RUS 1000 GRW ETF 464287614 675 2,208 SH   SOLE 0 0 0 2,208
ISHARES TR RUSSELL 2000 ETF 464287655 325 1,460 SH   SOLE 0 0 0 1,460
ISHARES TR CORE S&P US VLU 464287663 321 4,209 SH   SOLE 0 0 0 4,209
ISHARES TR RUS MID CAP ETF 464287499 378 4,553 SH   SOLE 0 0 0 4,553
ISHARES TR MSCI EAFE ETF 464287465 565 7,181 SH   SOLE 0 0 0 7,181
ISHARES TR MSCI INTL QUALTY 46434V456 276 7,010 SH   SOLE 0 0 0 7,010
JOHNSON & JOHNSON COM 478160104 1,559 9,113 SH   SOLE 0 0 0 9,113
JPMORGAN CHASE & CO COM 46625H100 960 6,061 SH   SOLE 0 0 0 6,061
L3HARRIS TECHNOLOGIES INC COM 502431109 956 4,483 SH   SOLE 0 0 0 4,483
LILLY ELI & CO COM 532457108 522 1,889 SH   SOLE 0 0 0 1,889
LINDE PLC SHS G5494J103 218 628 SH   SOLE 0 0 0 628
LOCKHEED MARTIN CORP COM 539830109 1,288 3,624 SH   SOLE 0 0 0 3,624
LOWES COS INC COM 548661107 384 1,486 SH   SOLE 0 0 0 1,486
MARRIOTT INTL INC NEW CL A 571903202 660 3,997 SH   SOLE 0 0 0 3,997
MASTERCARD INCORPORATED CL A 57636Q104 387 1,077 SH   SOLE 0 0 0 1,077
MCCORMICK & CO INC COM NON VTG 579780206 618 6,400 SH   SOLE 0 0 0 6,400
MCDONALDS CORP COM 580135101 629 2,347 SH   SOLE 0 0 0 2,347
MEDTRONIC PLC SHS G5960L103 203 1,962 SH   SOLE 0 0 0 1,962
MERCK & CO INC COM 58933Y105 1,293 16,868 SH   SOLE 0 0 0 16,868
META PLATFORMS INC CL A 30303M102 813 2,417 SH   SOLE 0 0 0 2,417
MICROSOFT CORP COM 594918104 3,287 9,775 SH   SOLE 0 0 0 9,775
MONDELEZ INTL INC CL A 609207105 834 12,573 SH   SOLE 0 0 0 12,573
NEXTERA ENERGY INC COM 65339F101 356 3,809 SH   SOLE 0 0 0 3,809
NIKE INC CL B 654106103 293 1,760 SH   SOLE 0 0 0 1,760
NORFOLK SOUTHN CORP COM 655844108 487 1,635 SH   SOLE 0 0 0 1,635
NORTHROP GRUMMAN CORP COM 666807102 1,680 4,341 SH   SOLE 0 0 0 4,341
OLD POINT FINL CORP COM 680194107 896 39,348 SH   SOLE 0 0 0 39,348
ORACLE CORP COM 68389X105 1,675 19,210 SH   SOLE 0 0 0 19,210
PEPSICO INC COM 713448108 667 3,840 SH   SOLE 0 0 0 3,840
PFIZER INC COM 717081103 1,348 22,822 SH   SOLE 0 0 0 22,822
PHILIP MORRIS INTL INC COM 718172109 1,688 17,765 SH   SOLE 0 0 0 17,765
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 120 12,800 SH   SOLE 0 0 0 12,800
PROCTER AND GAMBLE CO COM 742718109 1,222 7,468 SH   SOLE 0 0 0 7,468
QUALCOMM INC COM 747525103 361 1,973 SH   SOLE 0 0 0 1,973
RAYTHEON TECHNOLOGIES CORP COM 75513E101 354 4,111 SH   SOLE 0 0 0 4,111
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 267 5,245 SH   SOLE 0 0 0 5,245
SCHWAB STRATEGIC TR US TIPS ETF 808524870 391 6,221 SH   SOLE 0 0 0 6,221
SELECT SECTOR SPDR TR ENERGY 81369Y506 203 3,657 SH   SOLE 0 0 0 3,657
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 460 2,648 SH   SOLE 0 0 0 2,648
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 246 4,742 SH   SOLE 0 0 0 4,742
SOUTHERN CO COM 842587107 361 5,265 SH   SOLE 0 0 0 5,265
SPDR S&P 500 ETF TR TR UNIT 78462F103 431 1,000 SH Put SOLE 0 0 0 1,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,200 2,526 SH   SOLE 0 0 0 2,526
SPDR S&P 500 ETF TR TR UNIT 78462F103 86 200 SH Put SOLE 0 0 0 200
SPDR S&P 500 ETF TR TR UNIT 78462F103 86 200 SH Put SOLE 0 0 0 200
SPDR S&P 500 ETF TR TR UNIT 78462F103 431 1,000 SH Put SOLE 0 0 0 1,000
SPDR SER TR DJ REIT ETF 78464A607 262 2,147 SH   SOLE 0 0 0 2,147
SPDR SER TR BLOOMBERG CONV 78464A359 270 3,254 SH   SOLE 0 0 0 3,254
STARBUCKS CORP COM 855244109 391 3,343 SH   SOLE 0 0 0 3,343
STEEL DYNAMICS INC COM 858119100 2,909 46,862 SH   SOLE 0 0 0 46,862
STRYKER CORPORATION COM 863667101 202 754 SH   SOLE 0 0 0 754
TARGET CORP COM 87612E106 222 960 SH   SOLE 0 0 0 960
TESLA INC COM 88160R101 718 679 SH   SOLE 0 0 0 679
TEXAS INSTRS INC COM 882508104 477 2,529 SH   SOLE 0 0 0 2,529
THERMO FISHER SCIENTIFIC INC COM 883556102 581 870 SH   SOLE 0 0 0 870
TOWNEBANK PORTSMOUTH VA COM 89214P109 1,502 47,554 SH   SOLE 0 0 0 47,554
TRUIST FINL CORP COM 89832Q109 318 5,426 SH   SOLE 0 0 0 5,426
UNION PAC CORP COM 907818108 393 1,560 SH   SOLE 0 0 0 1,560
UNITEDHEALTH GROUP INC COM 91324P102 1,200 2,390 SH   SOLE 0 0 0 2,390
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 822 13,169 SH   SOLE 0 0 0 13,169
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,209 13,802 SH   SOLE 0 0 0 13,802
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,399 16,509 SH   SOLE 0 0 0 16,509
VANGUARD INDEX FDS VALUE ETF 922908744 2,105 14,308 SH   SOLE 0 0 0 14,308
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,295 12,830 SH   SOLE 0 0 0 12,830
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 751 6,475 SH   SOLE 0 0 0 6,475
VANGUARD INDEX FDS SMALL CP ETF 922908751 289 1,277 SH   SOLE 0 0 0 1,277
VANGUARD INDEX FDS GROWTH ETF 922908736 380 1,184 SH   SOLE 0 0 0 1,184
VANGUARD INDEX FDS LARGE CAP ETF 922908637 665 3,011 SH   SOLE 0 0 0 3,011
VANGUARD INDEX FDS TOTAL STK MKT 922908769 971 4,021 SH   SOLE 0 0 0 4,021
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 943 7,041 SH   SOLE 0 0 0 7,041
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,328 133,451 SH   SOLE 0 0 0 133,451
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 488 2,840 SH   SOLE 0 0 0 2,840
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 418 8,182 SH   SOLE 0 0 0 8,182
VANGUARD WORLD FDS INF TECH ETF 92204A702 585 1,277 SH   SOLE 0 0 0 1,277
VERIZON COMMUNICATIONS INC COM 92343V104 836 16,092 SH   SOLE 0 0 0 16,092
VISA INC COM CL A 92826C839 776 3,582 SH   SOLE 0 0 0 3,582
WALMART INC COM 931142103 1,141 7,885 SH   SOLE 0 0 0 7,885
WASTE MGMT INC DEL COM 94106L109 216 1,293 SH   SOLE 0 0 0 1,293
WELLS FARGO CO NEW COM 949746101 313 6,514 SH   SOLE 0 0 0 6,514
WISDOMTREE TR EMER MKT HIGH FD 97717W315 205 4,724 SH   SOLE 0 0 0 4,724
WISDOMTREE TR US HIGH DIVIDEND 97717W208 3,091 37,444 SH   SOLE 0 0 0 37,444
WISDOMTREE TR INTL LRGCAP DV 97717W794 257 5,206 SH   SOLE 0 0 0 5,206