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 217 3,728 SH   SOLE   3,728 0 0
AT&T COM 00206r102 1,596 45,285 SH   SOLE   43,705 0 1,580
Aaron's, Inc. COM 002535300 662 27,223 SH   SOLE   27,223 0 0
AbbVie Inc COM 00287y109 217 3,750 SH   SOLE   2,720 0 1,030
Abbott Labs COM 002824100 2,364 56,850 SH   SOLE   55,208 0 1,642
American Tower Corp COM 03027x100 284 3,036 SH   SOLE   2,726 0 310
Ameriprise Financial Inc. COM 03076c106 237 1,922 SH   SOLE   1,922 0 0
Apple Computer Corp. COM 037833100 5,406 53,659 SH   SOLE   51,815 0 1,844
BB&T Corp COM 054937107 3,103 83,398 SH   SOLE   81,279 0 2,119
Bank of New York Co. Inc COM 064058100 5,514 142,358 SH   SOLE   138,875 0 3,483
Baxter International COM 071813109 732 10,205 SH   SOLE   9,620 0 585
Bed Bath & Beyond COM 075896100 1,484 22,550 SH   SOLE   22,550 0 0
Berkshire Hathaway Cl B COM 084670702 5,462 39,538 SH   SOLE   38,417 0 1,121
Blackrock, Inc. COM 09247x101 589 1,794 SH   SOLE   1,784 0 10
CSX Corporation COM 126408103 740 23,072 SH   SOLE   22,962 0 110
CVS Corp Del COM 126650100 2,937 36,903 SH   SOLE   35,873 0 1,030
Chevron Texaco Corp. COM 166764100 4,037 33,832 SH   SOLE   32,756 0 1,076
Cisco Systems Inc. COM 17275R102 894 35,503 SH   SOLE   35,313 0 190
Clorox Co. COM 189054109 235 2,451 SH   SOLE   2,406 0 45
Coca Cola COM 191216100 1,405 32,929 SH   SOLE   32,839 0 90
Comcast Corp COM 20030n101 3,245 60,337 SH   SOLE   58,857 0 1,480
ConocoPhillips COM 20825C104 1,163 15,200 SH   SOLE   15,140 0 60
Consumer Discretionary Select COM 81369y407 300 4,495 SH   SOLE   4,495 0 0
Consumer Staples Select Sector COM 81369Y308 285 6,320 SH   SOLE   6,320 0 0
Costco Whsl Group COM 22160K105 1,079 8,607 SH   SOLE   8,197 0 410
Cummins Inc. COM 231021106 3,659 27,723 SH   SOLE   26,900 0 823
Danaher Corp Del COM 235851102 4,233 55,711 SH   SOLE   53,954 0 1,757
Direct TV Group I COM 25490a309 458 5,290 SH   SOLE   4,670 0 620
DuPont E I De Nemour & Co COM 263534109 1,072 14,934 SH   SOLE   14,894 0 40
EOG Resources Inc. COM 26875p101 2,071 20,913 SH   SOLE   20,195 0 718
Ebay Inc COM 278642103 3,320 58,619 SH   SOLE   57,139 0 1,480
Emerson Electric COM 291011104 1,243 19,867 SH   SOLE   19,797 0 70
Express Scripts Inc. COM 30219g108 1,731 24,511 SH   SOLE   23,646 0 865
Exxon Mobil COM 30231G102 4,796 50,996 SH   SOLE   50,041 0 955
Financial Select Sector - SPDR COM 81369Y605 484 20,875 SH   SOLE   20,875 0 0
Ford Motor COM 345370860 407 27,550 SH   SOLE   27,410 0 140
General Electric COM 369604103 617 24,086 SH   SOLE   20,706 0 3,380
Genuine Parts COM 372460105 477 5,440 SH   SOLE   5,415 0 25
Google Inc. Class A COM 38259p508 3,990 6,781 SH   SOLE   6,583 0 198
Guggenheim S&P Equal Weight En COM 78355w866 297 3,650 SH   SOLE   3,650 0 0
Guggenheim S&P Equal Weight He COM 78355w841 401 3,110 SH   SOLE   3,110 0 0
HD Supply Holdings COM 40416m105 600 22,000 SH   SOLE   22,000 0 0
HomeDepot COM 437076102 1,682 18,332 SH   SOLE   18,332 0 0
IBM COM 459200101 331 1,742 SH   SOLE   1,542 0 200
Intel COM 458140100 5,547 159,297 SH   SOLE   155,146 0 4,151
JP Morgan Chase & Co. COM 46625H100 6,503 107,950 SH   SOLE   105,531 0 2,419
Johnson & Johnson COM 478160104 6,042 56,682 SH   SOLE   55,392 0 1,290
MSCI EAFE Index Fund - iShares COM 464287465 223 3,482 SH   SOLE   3,482 0 0
MSCI Emerging Markets Index Fu COM 464287234 248 5,977 SH   SOLE   5,977 0 0
MSCI Germany - iShares COM 464286806 3,139 113,304 SH   SOLE   112,240 0 1,064
MSCI Singapore - iShares COM 464286673 3,021 226,445 SH   SOLE   223,858 0 2,587
MSCI Switzerland - iShares COM 464286749 3,591 110,451 SH   SOLE   109,274 0 1,177
McDonald's Corp. COM 580135101 746 7,867 SH   SOLE   7,827 0 40
Merck & Co. Inc. Newcom COM 58933Y105 1,235 20,837 SH   SOLE   20,767 0 70
Microsoft Corp. COM 594918104 1,721 37,133 SH   SOLE   34,983 0 2,150
Mkt Vectors Biotech ETF COM 57060u183 2,932 27,705 SH   SOLE   26,927 0 778
Monsanto Corp. COM 61166W101 290 2,580 SH   SOLE   2,580 0 0
NextEra Energy COM 65339f101 2,477 26,389 SH   SOLE   25,474 0 915
Novartis ADR COM 66987V109 1,111 11,807 SH   SOLE   11,762 0 45
Oracle Corp. COM 68389X105 3,957 103,374 SH   SOLE   100,584 0 2,790
Paychex COM 704326107 979 22,160 SH   SOLE   22,050 0 110
PepsiCo Inc. COM 713448108 5,505 59,136 SH   SOLE   57,681 0 1,455
Pfizer Incorporated COM 717081103 275 9,288 SH   SOLE   7,128 0 2,160
Philip Morris Intl Inc. COM 718172109 901 10,806 SH   SOLE   9,901 0 905
Polaris Industries COM 731068102 836 5,580 SH   SOLE   5,580 0 0
Potash Corp. of Saskatchewan COM 73755L107 845 24,464 SH   SOLE   24,384 0 80
Procter & Gamble COM 742718109 1,388 16,576 SH   SOLE   15,686 0 890
Qualcomm COM 747525103 6,825 91,287 SH   SOLE   89,086 0 2,201
Range Resources Corp COM 75281a109 1,816 26,786 SH   SOLE   25,666 0 1,120
Raytheon COM 755111507 5,291 52,065 SH   SOLE   51,085 0 980
Russell Mid-Cap Growth - iShar COM 464287481 474 5,364 SH   SOLE   3,154 0 2,210
Russell Mid-Cap Index Fund - i COM 464287499 3,567 22,529 SH   SOLE   22,439 0 90
S&P Depository Receipts ETF COM 78462F103 327 1,661 SH   SOLE   1,616 0 45
Scana COM 80589M102 2,882 58,101 SH   SOLE   56,111 0 1,990
Schlumberger Ltd COM 806857108 2,810 27,634 SH   SOLE   26,749 0 885
Schwab Emerging Markets COM 808524706 885 34,845 SH   SOLE   34,570 0 275
Schwab U.S. Large Cap COM 808524201 24,307 517,280 SH   SOLE   512,015 0 5,265
Schwab U.S. Mid-Cap COM 808524508 6,434 166,245 SH   SOLE   163,825 0 2,420
Starbucks Inc. COM 855244109 232 3,071 SH   SOLE   3,071 0 0
T. Rowe Price Group, Inc. COM 74144t108 261 3,332 SH   SOLE   2,882 0 450
TJX Co Inc. COM 872540109 3,448 58,271 SH   SOLE   56,053 0 2,218
Target Corp. COM 87612e106 694 11,070 SH   SOLE   10,105 0 965
The Priceline Group COM 741503403 3,062 2,643 SH   SOLE   2,588 0 55
The Southern Company COM 842587107 1,076 24,645 SH   SOLE   24,565 0 80
The Walt Disney Company COM 254687106 4,617 51,859 SH   SOLE   50,218 0 1,641
Thermo Fisher Scientific COM 883556102 1,787 14,682 SH   SOLE   14,127 0 555
Toyota Motor CP ADR New COM 892331307 272 2,311 SH   SOLE   2,311 0 0
U.S. Bancorp New COM 902973304 3,329 79,593 SH   SOLE   77,121 0 2,472
UPS COM 911312106 1,170 11,906 SH   SOLE   10,866 0 1,040
Union Pacific Corp COM 907818108 5,694 52,516 SH   SOLE   51,028 0 1,488
UnitedHealth Group COM 91324P102 2,087 24,195 SH   SOLE   23,510 0 685
Valero Energy COM 91913Y100 1,492 32,255 SH   SOLE   31,470 0 785
Vanguard Dividend Appreciation COM 921908844 763 9,914 SH   SOLE   9,914 0 0
Vanguard FTSE Developed Market COM 921943858 1,496 37,635 SH   SOLE   37,315 0 320
Vanguard FTSE International Eq COM 922042775 219 4,456 SH   SOLE   4,231 0 225
Vanguard High Dividend Yield I COM 921946406 4,637 69,830 SH   SOLE   69,210 0 620
Vanguard Industrials COM 92204a603 324 3,193 SH   SOLE   3,193 0 0
Vanguard Information Technolog COM 92204a702 413 4,125 SH   SOLE   4,125 0 0
Vanguard Materials COM 92204a801 4,230 38,389 SH   SOLE   36,648 0 1,741
Vanguard S&P 500 COM 922908363 935 5,179 SH   SOLE   5,179 0 0
Vanguard Total Stock Market ET COM 922908769 1,207 11,920 SH   SOLE   11,830 0 90
Verizon Communications COM 92343V104 4,075 81,513 SH   SOLE   79,770 0 1,743
WalMart COM 931142103 2,690 35,171 SH   SOLE   34,144 0 1,027
Wells Fargo New COM 949746101 2,393 46,126 SH   SOLE   46,051 0 75
Wisdom Tree Japan Hedged Equit COM 97717w851 2,442 46,683 SH   SOLE   46,236 0 447
Realty Income Corp. REL 756109104 4,279 104,914 SH   SOLE   102,603 0 2,311
Vanguard REIT ETF REL 922908553 763 10,617 SH   SOLE   10,522 0 95
Spectra Energy OAS 847560109 3,968 101,076 SH   SOLE   99,251 0 1,825