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
MFS Intermediate Income Tr SBI COM 55273C107 167 44,800 SH   SOLE   44,800 0 0
Nuveen Preferred & Income Oppo COM 67073B106 1,356 142,900 SH   SOLE   142,900 0 0
TCW Strategic Income Fund COM 872340104 548 96,300 SH   SOLE   84,300 0 12,000
Nuveen Muni Value Fd COM 670928100 1,490 133,757 SH   SOLE   127,657 0 6,100
Western Asset Municipal Partne COM 95766P108 182 11,850 SH   SOLE   11,850 0 0
3 M Company COM 88579Y101 613 3,180 SH   SOLE   3,030 0 150
AT & T COM 00206R102 1,693 55,914 SH   SOLE   55,039 0 875
AbbVie Inc COM 00287Y109 8,315 76,831 SH   SOLE   75,306 0 1,525
Abbott Laboratories COM 002824100 8,163 68,117 SH   SOLE   66,042 0 2,075
Adobe Inc COM 00724F101 12,333 25,945 SH   SOLE   24,880 0 1,065
Advance Auto Parts COM 00751Y106 486 2,646 SH   SOLE   2,646 0 0
Albemarle Corp COM 012653101 6,471 44,290 SH   SOLE   43,140 0 1,150
AllianceBernstein Holding LP COM 01881G106 249 6,230 SH   SOLE   6,230 0 0
Alphabet Cl A COM 02079K305 6,827 3,310 SH   SOLE   3,188 0 122
Alphabet Cl C COM 02079K107 11,278 5,452 SH   SOLE   5,253 0 199
Altria Group COM 02209S103 379 7,414 SH   SOLE   7,014 0 400
Amazon.Com COM 023135106 7,847 2,536 SH   SOLE   2,371 0 165
American Elec Pwr COM 025537101 1,354 15,985 SH   SOLE   15,985 0 0
American National Bankshares COM 027745108 1,150 34,769 SH   SOLE   34,769 0 0
Anthem Inc COM 036752103 464 1,292 SH   SOLE   1,292 0 0
Apple Inc COM 037833100 29,312 239,967 SH   SOLE   232,757 0 7,210
Applied Materials COM 038222105 309 2,310 SH   SOLE   2,310 0 0
Atlantic Union Bankshares COM 04911A107 1,995 52,020 SH   SOLE   51,891 0 129
Bank of America Corp COM 060505104 1,031 26,658 SH   SOLE   26,658 0 0
Bank of Fincastle COM 062113105 56 18,390 SH   SOLE   18,390 0 0
Bank of Montreal Quebec COM 063671101 241 2,700 SH   SOLE   2,700 0 0
Bank of New York Mellon Corp COM 064058100 1,290 27,288 SH   SOLE   27,288 0 0
Benchmark Bankshares New COM 08160E207 790 43,610 SH   SOLE   43,610 0 0
Berkshire Hathaway Cl B COM 084670702 2,655 10,394 SH   SOLE   10,394 0 0
Blackstone Group COM 09260D107 250 3,360 SH   SOLE   3,360 0 0
Boeing Co COM 097023105 408 1,602 SH   SOLE   1,602 0 0
Bristol-Myers Squibb COM 110122108 3,479 55,106 SH   SOLE   53,096 0 2,010
CIGNA Corp COM 125523100 242 1,000 SH   SOLE   1,000 0 0
CSX Corp COM 126408103 876 9,089 SH   SOLE   9,089 0 0
Capital One Finl COM 14040H105 417 3,278 SH   SOLE   3,278 0 0
Carrier Global COM 14448C104 462 10,950 SH   SOLE   10,950 0 0
Caterpillar Inc COM 149123101 949 4,094 SH   SOLE   4,094 0 0
Chevron Corp COM 166764100 1,411 13,464 SH   SOLE   13,464 0 0
Cisco Systems COM 17275R102 3,509 67,857 SH   SOLE   66,207 0 1,650
Coca-Cola Co COM 191216100 1,328 25,187 SH   SOLE   25,187 0 0
Colgate Palmolive Co COM 194162103 252 3,195 SH   SOLE   3,195 0 0
ConocoPhillips COM 20825C104 327 6,165 SH   SOLE   5,740 0 425
Consolidated Edison COM 209115104 2,435 32,560 SH   SOLE   31,785 0 775
Danaher Corp COM 235851102 282 1,251 SH   SOLE   1,251 0 0
Delta Air Lines Inc COM 247361702 515 10,665 SH   SOLE   65 0 10,600
Disney (Walt) Co COM 254687106 2,061 11,172 SH   SOLE   8,722 0 2,450
Dollar General COM 256677105 11,414 56,333 SH   SOLE   55,208 0 1,125
Dominion Energy COM 25746U109 2,212 29,124 SH   SOLE   28,624 0 500
Dover Corp COM 260003108 342 2,493 SH   SOLE   2,493 0 0
Dow (New) COM 260557103 388 6,068 SH   SOLE   5,856 0 212
Duke Energy Corp COM 26441C204 1,517 15,720 SH   SOLE   15,404 0 316
Dupont deNemours COM 26614N102 275 3,561 SH   SOLE   3,349 0 212
Edward Lifesciences Corp COM 28176E108 255 3,051 SH   SOLE   3,051 0 0
Equifax Inc COM 294429105 1,743 9,623 SH   SOLE   9,323 0 300
Estee Lauder Cl A COM 518439104 9,294 31,956 SH   SOLE   31,271 0 685
Exxon Mobil Corp COM 30231G102 2,512 44,999 SH   SOLE   43,899 0 1,100
Fastenal Co COM 311900104 251 4,990 SH   SOLE   3,990 0 1,000
Fidelity Natl Information Serv COM 31620M106 874 6,218 SH   SOLE   6,218 0 0
Ford Motor Company New COM 345370860 1,015 82,850 SH   SOLE   26,650 0 56,200
General Electric COM 369604103 202 15,404 SH   SOLE   15,404 0 0
Halozyme Therapeutics COM 40637H109 582 13,968 SH   SOLE   13,968 0 0
HealthPeak Pptys COM 42250P103 469 14,787 SH   SOLE   14,587 0 200
Home Depot COM 437076102 10,871 35,612 SH   SOLE   34,812 0 800
Honeywell Int'l COM 438516106 488 2,247 SH   SOLE   2,247 0 0
IBM Corp COM 459200101 999 7,500 SH   SOLE   7,500 0 0
Imperial Resources Inc COM 45308Q106 0 40,000 SH   SOLE   40,000 0 0
Int'l Paper Co COM 460146103 699 12,926 SH   SOLE   12,476 0 450
Intel Corp COM 458140100 3,708 57,930 SH   SOLE   57,505 0 425
JPMorgan Chase & Co COM 46625H100 1,026 6,737 SH   SOLE   4,162 0 2,575
Jack Henry & Associates COM 426281101 244 1,605 SH   SOLE   1,605 0 0
Johnson & Johnson COM 478160104 6,290 38,273 SH   SOLE   37,192 0 1,081
Kimberly-Clark COM 494368103 241 1,735 SH   SOLE   1,735 0 0
Lam Research Corp COM 512807108 375 630 SH   SOLE   630 0 0
Lilly (Eli) COM 532457108 4,034 21,594 SH   SOLE   20,894 0 700
Lockheed Martin COM 539830109 216 585 SH   SOLE   585 0 0
Lowe's Cos COM 548661107 842 4,427 SH   SOLE   4,327 0 100
Lululemon Athletica COM 550021109 8,915 29,066 SH   SOLE   28,356 0 710
Luna Innovations Inc COM 550351100 106 10,054 SH   SOLE   10,054 0 0
M/I Homes Inc COM 55305B101 4,820 81,605 SH   SOLE   79,885 0 1,720
MSCI Inc COM 55354G100 7,789 18,576 SH   SOLE   18,071 0 505
Marsh & McLennan COM 571748102 267 2,193 SH   SOLE   2,193 0 0
MasterCard Cl A COM 57636Q104 7,250 20,361 SH   SOLE   19,871 0 490
McDonald's Corp COM 580135101 1,256 5,604 SH   SOLE   5,534 0 70
Medpace Holdings Inc COM 58506Q109 10,718 65,335 SH   SOLE   63,635 0 1,700
Merck & Co COM 58933Y105 1,668 21,639 SH   SOLE   21,439 0 200
Microsoft Corp COM 594918104 23,048 97,757 SH   SOLE   94,547 0 3,210
NVIDIA Corp COM 67066G104 306 574 SH   SOLE   474 0 100
Netflix Inc COM 64110L106 7,433 14,248 SH   SOLE   13,903 0 345
Nextera Energy COM 65339F101 279 3,690 SH   SOLE   3,690 0 0
Nike Inc Cl B COM 654106103 296 2,225 SH   SOLE   2,225 0 0
Nordson Corp COM 655663102 351 1,765 SH   SOLE   1,765 0 0
Norfolk Southern COM 655844108 6,165 22,958 SH   SOLE   22,939 0 19
Northrop Grumman COM 666807102 498 1,539 SH   SOLE   1,264 0 275
Norwegian Cruise line Holdings COM G66721104 626 22,700 SH   SOLE   0 0 22,700
Oneok Inc COM 682680103 897 17,700 SH   SOLE   17,700 0 0
Otis Worldwide COM 68902V107 375 5,473 SH   SOLE   5,473 0 0
PPG Inds COM 693506107 1,695 11,280 SH   SOLE   11,280 0 0
PayPal Holdings COM 70450Y103 1,191 4,905 SH   SOLE   3,805 0 1,100
Pepsico Inc COM 713448108 3,304 23,359 SH   SOLE   23,009 0 350
Pfizer Inc COM 717081103 4,527 124,950 SH   SOLE   124,075 0 875
Philip Morris Intl COM 718172109 397 4,473 SH   SOLE   4,473 0 0
Pinnacle Finl Partners COM 72346Q104 1,108 12,499 SH   SOLE   12,384 0 115
Potomac Banchares COM 737643106 135 10,771 SH   SOLE   10,771 0 0
Precigen (was Intrexon Corp) COM 74017N105 603 87,544 SH   SOLE   87,544 0 0
Procter & Gamble COM 742718109 1,019 7,525 SH   SOLE   7,525 0 0
Qorvo Inc COM 74736K101 4,298 23,525 SH   SOLE   22,900 0 625
RGC Resources COM 74955L103 1,578 71,142 SH   SOLE   70,152 0 990
Raytheon Technologies COM 75513E101 747 9,672 SH   SOLE   9,672 0 0
Realty Income Corp COM 756109104 610 9,604 SH   SOLE   8,804 0 800
S&P Global COM 78409V104 211 599 SH   SOLE   599 0 0
Salesforce.com Inc COM 79466L302 254 1,201 SH   SOLE   1,201 0 0
Southern Co COM 842587107 3,302 53,118 SH   SOLE   52,418 0 700
Square Inc COM 852234103 284 1,250 SH   SOLE   1,250 0 0
Steel Dynamics COM 858119100 1,053 20,738 SH   SOLE   20,738 0 0
Target Corp COM 87612E106 1,925 9,718 SH   SOLE   9,493 0 225
Teradyne Inc COM 880770102 277 2,280 SH   SOLE   2,280 0 0
Tesla Motors Inc COM 88160R101 207 310 SH   SOLE   310 0 0
Thermo Fisher Scientific COM 883556102 13,613 29,829 SH   SOLE   29,054 0 775
Toll Brothers Inc COM 889478103 4,640 81,795 SH   SOLE   80,085 0 1,710
Travelers Companies COM 89417E109 1,797 11,949 SH   SOLE   11,624 0 325
Truist Financial COM 89832Q109 3,364 57,687 SH   SOLE   57,687 0 0
UDR Inc COM 902653104 1,137 25,930 SH   SOLE   25,903 0 27
Union Pacific COM 907818108 482 2,188 SH   SOLE   2,188 0 0
United Bankshares COM 909907107 326 8,451 SH   SOLE   8,451 0 0
United Rentals Inc COM 911363109 11,829 35,920 SH   SOLE   34,000 0 1,920
UnitedHealth Group COM 91324P102 517 1,390 SH   SOLE   990 0 400
VISA Cl A COM 92826C839 443 2,090 SH   SOLE   1,940 0 150
Veeva Systems Inc COM 922475108 8,118 31,074 SH   SOLE   30,199 0 875
Verizon Comms COM 92343V104 894 15,369 SH   SOLE   14,950 0 419
Viatris COM 92556V106 185 13,224 SH   SOLE   13,116 0 108
Vulcan Materials COM 929160109 422 2,501 SH   SOLE   2,501 0 0
Wal-Mart Inc COM 931142103 849 6,253 SH   SOLE   6,253 0 0
Walgreens Boots Alliance COM 931427108 971 17,680 SH   SOLE   17,680 0 0
Waste Management COM 94106L109 1,313 10,180 SH   SOLE   9,730 0 450
Williams-Sonoma COM 969904101 9,882 55,145 SH   SOLE   53,660 0 1,485
Zimmer Biomet Holdings COM 98956P102 313 1,953 SH   SOLE   1,953 0 0
Zoetis Inc COM 98978V103 11,274 71,593 SH   SOLE   69,643 0 1,950
Invesco Nasdaq Nex Gen 100 ETF ETFs 46138G631 498 15,631 SH   SOLE   6 0 15,625
Invesco QQQ Trust ETFs 46090E103 679 2,129 SH   SOLE   2,129 0 0
SPDR DJIA ETF Trust ETFs 78467X109 459 1,390 SH   SOLE   1,390 0 0
SPDR S&P 500 ETF Trust ETFs 78462F103 652 1,646 SH   SOLE   1,646 0 0
SPDR S&P Bank ETF ETFs 78464A797 8,920 171,930 SH   SOLE   167,205 0 4,725
SPDR Technology Select ETFs 81369Y803 970 7,300 SH   SOLE   7,300 0 0
Vanguard Div App ETF ETFs 921908844 508 3,455 SH   SOLE   3,455 0 0
Vanguard Growth ETF ETFs 922908736 2,392 9,308 SH   SOLE   9,078 0 230
Vanguard Index Fds - Mid Cap E ETFs 922908629 1,816 8,204 SH   SOLE   8,019 0 185
Vanguard Value ETF ETFs 922908744 2,186 16,627 SH   SOLE   15,949 0 678
iShares Russell 2000 ETF ETFs 464287655 1,493 6,758 SH   SOLE   6,758 0 0
iShares Russell 2000 Growth ET ETFs 464287648 1,610 5,353 SH   SOLE   5,221 0 132
iShares S&P 100 Index Fd ETFs 464287101 304 1,690 SH   SOLE   1,690 0 0
iShares S&P SmallCap 600 Index ETFs 464287804 490 4,514 SH   SOLE   4,514 0 0
Vanguard Real Estate ETF ETFs 922908553 1,502 16,355 SH   SOLE   15,261 0 1,094
SPDR Gold Trust ETFs 78463V107 560 3,500 SH   SOLE   3,500 0 0
Accenture COM G1151C101 217 784 SH   SOLE   784 0 0
Aon PLC Cl A COM G0403H108 1,457 6,332 SH   SOLE   6,332 0 0
AstraZeneca PLC ADR COM 046353108 266 5,350 SH   SOLE   5,350 0 0
Atlassian Corp PLC COM G06242104 333 1,580 SH   SOLE   1,545 0 35
Broadcom Inc COM 11135F101 360 776 SH   SOLE   776 0 0
Canadian Pacific Railway LTD COM 13645T100 214 565 SH   SOLE   565 0 0
Chubb Ltd COM H1467J104 745 4,716 SH   SOLE   4,716 0 0
Globant SA COM L44385109 249 1,200 SH   SOLE   1,200 0 0
Horizon Therapeutics COM G46188101 1,220 13,250 SH   SOLE   13,250 0 0
IHS Markit LTD COM G47567105 229 2,362 SH   SOLE   2,292 0 70
Mercadolibre Inc COM 58733R102 353 240 SH   SOLE   240 0 0
Pentair PLC COM G7S00T104 216 3,460 SH   SOLE   3,460 0 0
Rio Tinto PLC ADR COM 767204100 5,009 64,505 SH   SOLE   62,770 0 1,735
Taiwan Semiconductor Mfg ADS COM 874039100 207 1,750 SH   SOLE   1,750 0 0
Toronto Dominion Bk COM 891160509 209 3,205 SH   SOLE   3,205 0 0
Trane Tech PLC F (was Ingersol COM G8994E103 1,350 8,153 SH   SOLE   8,153 0 0
Unilever PLC ADR COM 904767704 280 5,009 SH   SOLE   5,009 0 0
Vanguard European ETF ETFs 922042874 238 3,770 SH   SOLE   3,770 0 0
Vanguard FTSE Emerging Markets ETFs 922042858 2,132 40,959 SH   SOLE   40,178 0 781
iShares MSCI EAFE Growth ETFs 464288885 1,451 14,448 SH   SOLE   13,742 0 706
iShares MSCI EAFE Value Index ETFs 464288877 1,626 31,896 SH   SOLE   31,104 0 792
iShares MSCI Emerging Markets ETFs 464287234 786 14,735 SH   SOLE   14,735 0 0
Cohen & ST Select Infrastructu COM 19248A109 1,643 58,822 SH   SOLE   57,422 0 1,400
Liberty All-Star Equity Fund COM 530158104 85 11,200 SH   SOLE   11,200 0 0