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
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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
AFLAC Inc. COM 001055102 264 4,248 SH   SOLE   4,248 0 0
AT&T COM 00206r102 1,472 41,625 SH   SOLE   41,525 0 100
Aaron's, Inc. COM 002535300 970 27,223 SH   SOLE   27,223 0 0
AbbVie Inc COM 00287y109 227 4,030 SH   SOLE   3,000 0 1,030
Abbott Labs COM 002824100 2,332 57,015 SH   SOLE   55,373 0 1,642
Ace Limited COM H0023r105 231 2,223 SH   SOLE   1,673 0 550
American Tower Corp COM 03027x100 245 2,726 SH   SOLE   2,726 0 0
Ameriprise Financial Inc. COM 03076c106 231 1,922 SH   SOLE   1,922 0 0
Apple Computer Corp. COM 037833100 5,004 53,850 SH   SOLE   51,981 0 1,869
BB&T Corp COM 054937107 3,421 86,763 SH   SOLE   84,464 0 2,299
Bank of New York Co. Inc COM 064058100 5,318 141,878 SH   SOLE   138,360 0 3,518
Baxter International COM 071813109 681 9,415 SH   SOLE   9,370 0 45
Bed Bath & Beyond COM 075896100 1,326 23,105 SH   SOLE   23,105 0 0
Berkshire Hathaway Cl B COM 084670702 4,792 37,863 SH   SOLE   36,742 0 1,121
Blackrock, Inc. COM 09247x101 498 1,559 SH   SOLE   1,549 0 10
CSX Corporation COM 126408103 616 19,982 SH   SOLE   19,872 0 110
CVS Corp Del COM 126650100 2,595 34,428 SH   SOLE   33,398 0 1,030
Chevron Texaco Corp. COM 166764100 4,325 33,127 SH   SOLE   32,051 0 1,076
Cisco Systems Inc. COM 17275R102 843 33,923 SH   SOLE   33,733 0 190
Clorox Co. COM 189054109 307 3,356 SH   SOLE   3,311 0 45
Coca Cola COM 191216100 1,362 32,159 SH   SOLE   32,069 0 90
Comcast Corp COM 20030n101 3,271 60,937 SH   SOLE   59,442 0 1,495
ConocoPhillips COM 20825C104 1,180 13,760 SH   SOLE   13,700 0 60
Consumer Discretionary Select COM 81369y407 350 5,238 SH   SOLE   5,238 0 0
Consumer Staples Select Sector COM 81369Y308 326 7,305 SH   SOLE   7,305 0 0
Costco Whsl Group COM 22160K105 991 8,607 SH   SOLE   8,197 0 410
Cummins Inc. COM 231021106 4,144 26,858 SH   SOLE   26,065 0 793
Danaher Corp Del COM 235851102 4,424 56,186 SH   SOLE   54,429 0 1,757
Direct TV Group I COM 25490a309 450 5,290 SH   SOLE   4,670 0 620
DuPont E I De Nemour & Co COM 263534109 938 14,339 SH   SOLE   14,299 0 40
EOG Resources Inc. COM 26875p101 2,377 20,339 SH   SOLE   19,621 0 718
Eastman Chemical Co. COM 277432100 206 2,364 SH   SOLE   2,364 0 0
Ebay Inc COM 278642103 3,003 59,984 SH   SOLE   58,474 0 1,510
Emerson Electric COM 291011104 1,353 20,383 SH   SOLE   20,313 0 70
Express Scripts Inc. COM 30219g108 1,777 25,631 SH   SOLE   24,766 0 865
Exxon Mobil COM 30231G102 5,090 50,556 SH   SOLE   49,631 0 925
Financial Select Sector - SPDR COM 81369Y605 538 23,655 SH   SOLE   23,655 0 0
Ford Motor COM 345370860 435 25,260 SH   SOLE   25,120 0 140
General Electric COM 369604103 2,571 97,823 SH   SOLE   93,676 0 4,147
Genuine Parts COM 372460105 432 4,925 SH   SOLE   4,900 0 25
Google Inc. Class A COM 38259p508 3,927 6,717 SH   SOLE   6,519 0 198
Guggenheim S&P Equal Weight En COM 78355w866 375 4,050 SH   SOLE   4,050 0 0
Guggenheim S&P Equal Weight He COM 78355w841 465 3,765 SH   SOLE   3,765 0 0
HD Supply Holdings COM 40416m105 625 22,000 SH   SOLE   22,000 0 0
HomeDepot COM 437076102 1,487 18,362 SH   SOLE   18,362 0 0
IBM COM 459200101 316 1,742 SH   SOLE   1,542 0 200
Intel COM 458140100 4,943 159,977 SH   SOLE   155,916 0 4,061
JP Morgan Chase & Co. COM 46625H100 6,104 105,935 SH   SOLE   103,516 0 2,419
Johnson & Johnson COM 478160104 5,930 56,678 SH   SOLE   55,373 0 1,305
MSCI EAFE Index Fund - iShares COM 464287465 259 3,782 SH   SOLE   3,782 0 0
MSCI Emerging Markets Index Fu COM 464287234 309 7,137 SH   SOLE   7,137 0 0
MSCI Emerging Markets Min Vol COM 464286533 296 4,935 SH   SOLE   4,935 0 0
MSCI Germany - iShares COM 464286806 3,610 115,409 SH   SOLE   114,345 0 1,064
MSCI Singapore - iShares COM 464286673 3,026 223,835 SH   SOLE   221,248 0 2,587
MSCI Switzerland - iShares COM 464286749 3,854 112,296 SH   SOLE   111,119 0 1,177
McDonald's Corp. COM 580135101 846 8,402 SH   SOLE   8,362 0 40
Merck & Co. Inc. Newcom COM 58933Y105 1,187 20,517 SH   SOLE   20,427 0 90
Microsoft Corp. COM 594918104 1,496 35,868 SH   SOLE   33,718 0 2,150
Mkt Vectors Biotech ETF COM 57060u183 3,860 40,470 SH   SOLE   39,282 0 1,188
Monsanto Corp. COM 61166W101 322 2,580 SH   SOLE   2,580 0 0
NextEra Energy COM 65339f101 2,795 27,269 SH   SOLE   26,354 0 915
Northern Trust Corp COM 665859104 248 3,855 SH   SOLE   3,855 0 0
Novartis ADR COM 66987V109 997 11,017 SH   SOLE   10,972 0 45
Oracle Corp. COM 68389X105 4,204 103,734 SH   SOLE   101,044 0 2,690
Paychex COM 704326107 872 20,990 SH   SOLE   20,880 0 110
PepsiCo Inc. COM 713448108 5,227 58,511 SH   SOLE   57,036 0 1,475
Pfizer Incorporated COM 717081103 3,143 105,886 SH   SOLE   102,733 0 3,153
Philip Morris Intl Inc. COM 718172109 847 10,051 SH   SOLE   9,146 0 905
Polaris Industries COM 731068102 593 4,550 SH   SOLE   4,550 0 0
Potash Corp. of Saskatchewan COM 73755L107 821 21,634 SH   SOLE   21,554 0 80
Procter & Gamble COM 742718109 1,257 15,991 SH   SOLE   15,101 0 890
Qualcomm COM 747525103 7,161 90,412 SH   SOLE   88,211 0 2,201
Range Resources Corp COM 75281a109 2,333 26,831 SH   SOLE   25,711 0 1,120
Raytheon COM 755111507 1,220 13,230 SH   SOLE   12,640 0 590
Russell Mid-Cap Growth - iShar COM 464287481 480 5,364 SH   SOLE   3,154 0 2,210
Russell Mid-Cap Index Fund - i COM 464287499 3,746 23,044 SH   SOLE   22,954 0 90
S&P Depository Receipts ETF COM 78462F103 326 1,665 SH   SOLE   1,620 0 45
Scana COM 80589M102 3,161 58,741 SH   SOLE   56,751 0 1,990
Schlumberger Ltd COM 806857108 3,304 28,009 SH   SOLE   27,124 0 885
Schwab Emerging Markets COM 808524706 763 29,315 SH   SOLE   29,040 0 275
Schwab U.S. Large Cap COM 808524201 23,096 493,195 SH   SOLE   487,785 0 5,410
Schwab U.S. Mid-Cap COM 808524508 6,255 155,445 SH   SOLE   153,115 0 2,330
Siemens A G ADR F Sponsored COM 826197501 933 7,060 SH   SOLE   7,020 0 40
Starbucks Inc. COM 855244109 240 3,104 SH   SOLE   3,104 0 0
T. Rowe Price Group, Inc. COM 74144t108 281 3,332 SH   SOLE   2,882 0 450
TJX Co Inc. COM 872540109 3,090 58,146 SH   SOLE   55,928 0 2,218
Target Corp. COM 87612e106 571 9,860 SH   SOLE   8,895 0 965
The Priceline Group COM 741503403 3,189 2,651 SH   SOLE   2,596 0 55
The Southern Company COM 842587107 1,024 22,555 SH   SOLE   22,475 0 80
The Walt Disney Company COM 254687106 4,410 51,429 SH   SOLE   49,838 0 1,591
Thermo Fisher Scientific COM 883556102 1,787 15,146 SH   SOLE   14,591 0 555
Toyota Motor CP ADR New COM 892331307 277 2,311 SH   SOLE   2,311 0 0
U.S. Bancorp New COM 902973304 3,461 79,894 SH   SOLE   77,422 0 2,472
UPS COM 911312106 1,122 10,931 SH   SOLE   9,891 0 1,040
Union Pacific Corp COM 907818108 5,212 52,246 SH   SOLE   50,608 0 1,638
UnitedHealth Group COM 91324P102 1,963 24,010 SH   SOLE   23,325 0 685
Valero Energy COM 91913Y100 1,658 33,090 SH   SOLE   32,305 0 785
Vanguard Dividend Appreciation COM 921908844 775 9,946 SH   SOLE   9,946 0 0
Vanguard FTSE Developed Market COM 921943858 1,544 36,260 SH   SOLE   35,940 0 320
Vanguard FTSE International Eq COM 922042775 236 4,521 SH   SOLE   4,296 0 225
Vanguard High Dividend Yield I COM 921946406 4,390 66,195 SH   SOLE   65,575 0 620
Vanguard Industrials COM 92204a603 404 3,873 SH   SOLE   3,873 0 0
Vanguard Information Technolog COM 92204a702 468 4,840 SH   SOLE   4,840 0 0
Vanguard Materials COM 92204a801 4,269 38,201 SH   SOLE   36,380 0 1,821
Vanguard S&P 500 COM 922908363 935 5,210 SH   SOLE   5,210 0 0
Vanguard Total Stock Market ET COM 922908769 1,022 10,042 SH   SOLE   9,952 0 90
Verizon Communications COM 92343V104 3,974 81,213 SH   SOLE   78,420 0 2,793
WalMart COM 931142103 2,704 36,026 SH   SOLE   34,749 0 1,277
Wells Fargo New COM 949746101 2,462 46,841 SH   SOLE   46,741 0 100
Wisdom Tree Japan Hedged Equit COM 97717w851 2,260 45,783 SH   SOLE   45,296 0 487
Realty Income Corp. REL 756109104 4,743 106,781 SH   SOLE   104,470 0 2,311
Vanguard REIT ETF REL 922908553 686 9,167 SH   SOLE   9,072 0 95
Spectra Energy OAS 847560109 4,168 98,110 SH   SOLE   96,285 0 1,825