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
ABBVIE INC COM 00287Y109 210 1,295 SH   SOLE 0 0 0 1,295
ADOBE SYSTEMS INCORPORATED COM 00724F101 763 1,674 SH   SOLE 0 0 0 1,674
AKAMAI TECHNOLOGIES INC COM 00971T101 913 7,646 SH   SOLE 0 0 0 7,646
ALPHABET INC CAP STK CL A 02079K305 793 285 SH   SOLE 0 0 0 285
ALPHABET INC CAP STK CL C 02079K107 715 256 SH   SOLE 0 0 0 256
ALTRIA GROUP INC COM 02209S103 678 12,967 SH   SOLE 0 0 0 12,967
AMAZON COM INC COM 023135106 1,917 588 SH   SOLE 0 0 0 588
ANTHEM INC COM 036752103 458 932 SH   SOLE 0 0 0 932
APPLE INC COM 037833100 6,522 37,351 SH   SOLE 0 0 0 37,351
ATRION CORP COM 049904105 963 1,350 SH   SOLE 0 0 0 1,350
AUTOMATIC DATA PROCESSING IN COM 053015103 557 2,446 SH   SOLE 0 0 0 2,446
BALCHEM CORP COM 057665200 233 1,701 SH   SOLE 0 0 0 1,701
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,412 4,001 SH   SOLE 0 0 0 4,001
BK OF AMERICA CORP COM 060505104 806 19,553 SH   SOLE 0 0 0 19,553
BLACKSTONE GROUP INC COM 09260D107 534 4,204 SH   SOLE 0 0 0 4,204
BOEING CO COM 097023105 299 1,563 SH   SOLE 0 0 0 1,563
BRISTOL-MYERS SQUIBB CO COM 110122108 211 2,890 SH   SOLE 0 0 0 2,890
BROADCOM INC COM 11135F101 216 343 SH   SOLE 0 0 0 343
CAPITAL ONE FINL CORP COM 14040H105 646 4,920 SH   SOLE 0 0 0 4,920
CATERPILLAR INC COM 149123101 326 1,461 SH   SOLE 0 0 0 1,461
CHEVRON CORP NEW COM 166764100 734 4,509 SH   SOLE 0 0 0 4,509
CISCO SYS INC COM 17275R102 436 7,822 SH   SOLE 0 0 0 7,822
COCA COLA CO COM 191216100 235 3,788 SH   SOLE 0 0 0 3,788
COMCAST CORP NEW CL A 20030N101 831 17,758 SH   SOLE 0 0 0 17,758
COSTCO WHSL CORP NEW COM 22160K105 673 1,168 SH   SOLE 0 0 0 1,168
CSX CORP COM 126408103 1,134 30,268 SH   SOLE 0 0 0 30,268
CVS HEALTH CORP COM 126650100 217 2,141 SH   SOLE 0 0 0 2,141
DANAHER CORPORATION COM 235851102 300 1,024 SH   SOLE 0 0 0 1,024
DEERE & CO COM 244199105 570 1,372 SH   SOLE 0 0 0 1,372
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 16,890 535,859 SH   SOLE 0 0 0 535,859
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 10,383 368,832 SH   SOLE 0 0 0 368,832
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 5,190 197,803 SH   SOLE 0 0 0 197,803
DISNEY WALT CO COM 254687106 1,003 7,312 SH   SOLE 0 0 0 7,312
DOMINION ENERGY INC COM 25746U109 1,297 15,267 SH   SOLE 0 0 0 15,267
DUKE ENERGY CORP NEW COM NEW 26441C204 389 3,487 SH   SOLE 0 0 0 3,487
ENBRIDGE INC COM 29250N105 240 5,209 SH   SOLE 0 0 0 5,209
ENPHASE ENERGY INC COM 29355A107 3,460 17,148 SH   SOLE 0 0 0 17,148
EXXON MOBIL CORP COM 30231G102 8,161 98,816 SH   SOLE 0 0 0 98,816
FACEBOOK INC CL A 30303M102 532 2,392 SH   SOLE 0 0 0 2,392
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 611 22,065 SH   SOLE 0 0 0 22,065
GOLDMAN SACHS ETF TR ACTIVEBETA US 381430602 343 5,543 SH   SOLE 0 0 0 5,543
HOME DEPOT INC COM 437076102 1,303 4,352 SH   SOLE 0 0 0 4,352
HONEYWELL INTL INC COM 438516106 731 3,756 SH   SOLE 0 0 0 3,756
INTEL CORP COM 458140100 333 6,720 SH   SOLE 0 0 0 6,720
INTERNATIONAL BUSINESS MACHS COM 459200101 990 7,617 SH   SOLE 0 0 0 7,617
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 651 7,602 SH   SOLE 0 0 0 7,602
INVESCO QQQ TR UNIT SER 1 46090E103 1,335 3,683 SH   SOLE 0 0 0 3,683
ISHARES GOLD TR ISHARES 464285105 2,074 56,317 SH   SOLE 0 0 0 56,317
ISHARES INC CORE MSCI EMKT 46434G103 771 13,888 SH   SOLE 0 0 0 13,888
ISHARES TR CORE MSCI EAFE 46432F842 442 6,359 SH   SOLE 0 0 0 6,359
ISHARES TR CORE 1 5 YR USD 46432F859 678 14,000 SH   SOLE 0 0 0 14,000
ISHARES TR MSCI INTL QUALTY 46434V456 258 7,010 SH   SOLE 0 0 0 7,010
ISHARES TR SHRT NAT MUN ETF 464288158 473 4,517 SH   SOLE 0 0 0 4,517
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,280 12,196 SH   SOLE 0 0 0 12,196
ISHARES TR CORE HIGH DV ETF 46429B663 265 2,475 SH   SOLE 0 0 0 2,475
ISHARES TR NATIONAL MUN ETF 464288414 214 1,956 SH   SOLE 0 0 0 1,956
ISHARES TR EAFE SML CP ETF 464288273 1,318 19,872 SH   SOLE 0 0 0 19,872
ISHARES TR SELECT DIVID ETF 464287168 611 4,771 SH   SOLE 0 0 0 4,771
ISHARES TR EAFE VALUE ETF 464288877 417 8,304 SH   SOLE 0 0 0 8,304
ISHARES TR CORE S&P TTL STK 464287150 614 6,079 SH   SOLE 0 0 0 6,079
ISHARES TR RUS 2000 GRW ETF 464287648 535 2,091 SH   SOLE 0 0 0 2,091
ISHARES TR CORE S&P MCP ETF 464287507 238 886 SH   SOLE 0 0 0 886
ISHARES TR S&P MC 400VL ETF 464287705 286 2,606 SH   SOLE 0 0 0 2,606
ISHARES TR CORE S&P SCP ETF 464287804 585 5,420 SH   SOLE 0 0 0 5,420
ISHARES TR SP SMCP600VL ETF 464287879 1,517 14,820 SH   SOLE 0 0 0 14,820
ISHARES TR CORE S&P500 ETF 464287200 1,779 3,921 SH   SOLE 0 0 0 3,921
ISHARES TR RUS 1000 ETF 464287622 325 1,298 SH   SOLE 0 0 0 1,298
ISHARES TR RUS 1000 VAL ETF 464287598 254 1,531 SH   SOLE 0 0 0 1,531
ISHARES TR RUS 1000 GRW ETF 464287614 596 2,146 SH   SOLE 0 0 0 2,146
ISHARES TR RUSSELL 2000 ETF 464287655 300 1,460 SH   SOLE 0 0 0 1,460
ISHARES TR RUS MID CAP ETF 464287499 355 4,553 SH   SOLE 0 0 0 4,553
ISHARES TR MSCI EAFE ETF 464287465 486 6,602 SH   SOLE 0 0 0 6,602
ISHARES TR MSCI EMG MKT ETF 464287234 285 6,303 SH   SOLE 0 0 0 6,303
ISHARES TR S&P 100 ETF 464287101 726 3,480 SH   SOLE 0 0 0 3,480
JOHNSON & JOHNSON COM 478160104 1,653 9,325 SH   SOLE 0 0 0 9,325
JPMORGAN CHASE & CO COM 46625H100 782 5,736 SH   SOLE 0 0 0 5,736
L3HARRIS TECHNOLOGIES INC COM 502431109 1,114 4,483 SH   SOLE 0 0 0 4,483
LILLY ELI & CO COM 532457108 525 1,834 SH   SOLE 0 0 0 1,834
LINDE PLC SHS G5494J103 201 628 SH   SOLE 0 0 0 628
LOCKHEED MARTIN CORP COM 539830109 1,589 3,600 SH   SOLE 0 0 0 3,600
LOWES COS INC COM 548661107 303 1,497 SH   SOLE 0 0 0 1,497
MARRIOTT INTL INC NEW CL A 571903202 831 4,729 SH   SOLE 0 0 0 4,729
MASTERCARD INCORPORATED CL A 57636Q104 296 827 SH   SOLE 0 0 0 827
MCCORMICK & CO INC COM NON VTG 579780206 639 6,400 SH   SOLE 0 0 0 6,400
MCDONALDS CORP COM 580135101 580 2,347 SH   SOLE 0 0 0 2,347
MEDTRONIC PLC SHS G5960L103 218 1,962 SH   SOLE 0 0 0 1,962
MERCK & CO. INC COM 58933Y105 1,358 16,549 SH   SOLE 0 0 0 16,549
MICROSOFT CORP COM 594918104 3,273 10,616 SH   SOLE 0 0 0 10,616
MONDELEZ INTL INC CL A 609207105 723 11,514 SH   SOLE 0 0 0 11,514
NEXTERA ENERGY INC COM 65339F101 323 3,809 SH   SOLE 0 0 0 3,809
NIKE INC CL B 654106103 237 1,760 SH   SOLE 0 0 0 1,760
NORFOLK SOUTHN CORP COM 655844108 392 1,375 SH   SOLE 0 0 0 1,375
NORTHROP GRUMMAN CORP COM 666807102 1,941 4,341 SH   SOLE 0 0 0 4,341
OLD POINT FINL CORP COM 680194107 964 39,348 SH   SOLE 0 0 0 39,348
ORACLE CORP COM 68389X105 1,585 19,160 SH   SOLE 0 0 0 19,160
PEPSICO INC COM 713448108 643 3,842 SH   SOLE 0 0 0 3,842
PFIZER INC COM 717081103 1,210 23,378 SH   SOLE 0 0 0 23,378
PHILIP MORRIS INTL INC COM 718172109 1,248 13,286 SH   SOLE 0 0 0 13,286
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 138 12,800 SH   SOLE 0 0 0 12,800
PROCTER AND GAMBLE CO COM 742718109 1,162 7,608 SH   SOLE 0 0 0 7,608
QUALCOMM INC COM 747525103 309 2,023 SH   SOLE 0 0 0 2,023
RAYTHEON TECHNOLOGIES CORP COM 75513E101 407 4,111 SH   SOLE 0 0 0 4,111
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 260 5,245 SH   SOLE 0 0 0 5,245
SCHWAB STRATEGIC TR US TIPS ETF 808524870 378 6,221 SH   SOLE 0 0 0 6,221
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 229 4,742 SH   SOLE 0 0 0 4,742
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 404 5,425 SH   SOLE 0 0 0 5,425
SELECT SECTOR SPDR TR ENERGY 81369Y506 280 3,657 SH   SOLE 0 0 0 3,657
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 362 9,439 SH   SOLE 0 0 0 9,439
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 422 2,656 SH   SOLE 0 0 0 2,656
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 287 2,097 SH   SOLE 0 0 0 2,097
SOUTHERN CO COM 842587107 386 5,326 SH   SOLE 0 0 0 5,326
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,128 2,498 SH   SOLE 0 0 0 2,498
SPDR SER TR BLMBRG BRC CNVRT 78464A359 250 3,254 SH   SOLE 0 0 0 3,254
STARBUCKS CORP COM 855244109 289 3,177 SH   SOLE 0 0 0 3,177
STEEL DYNAMICS INC COM 858119100 3,910 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 210 990 SH   SOLE 0 0 0 990
TESLA INC COM 88160R101 732 679 SH   SOLE 0 0 0 679
TEXAS INSTRS INC COM 882508104 464 2,529 SH   SOLE 0 0 0 2,529
THERMO FISHER SCIENTIFIC INC COM 883556102 529 895 SH   SOLE 0 0 0 895
TOWNEBANK PORTSMOUTH VA COM 89214P109 1,424 47,560 SH   SOLE 0 0 0 47,560
TRUIST FINL CORP COM 89832Q109 308 5,426 SH   SOLE 0 0 0 5,426
UNION PAC CORP COM 907818108 451 1,650 SH   SOLE 0 0 0 1,650
UNITEDHEALTH GROUP INC COM 91324P102 1,219 2,390 SH   SOLE 0 0 0 2,390
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 786 13,699 SH   SOLE 0 0 0 13,699
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,157 14,133 SH   SOLE 0 0 0 14,133
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,238 15,568 SH   SOLE 0 0 0 15,568
VANGUARD INDEX FDS LARGE CAP ETF 922908637 571 2,738 SH   SOLE 0 0 0 2,738
VANGUARD INDEX FDS VALUE ETF 922908744 2,277 15,407 SH   SOLE 0 0 0 15,407
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,258 12,833 SH   SOLE 0 0 0 12,833
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 704 6,494 SH   SOLE 0 0 0 6,494
VANGUARD INDEX FDS SMALL CP ETF 922908751 316 1,486 SH   SOLE 0 0 0 1,486
VANGUARD INDEX FDS GROWTH ETF 922908736 461 1,602 SH   SOLE 0 0 0 1,602
VANGUARD INDEX FDS TOTAL STK MKT 922908769 853 3,745 SH   SOLE 0 0 0 3,745
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 237 5,137 SH   SOLE 0 0 0 5,137
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 865 6,981 SH   SOLE 0 0 0 6,981
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,879 133,451 SH   SOLE 0 0 0 133,451
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 413 6,963 SH   SOLE 0 0 0 6,963
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 449 2,768 SH   SOLE 0 0 0 2,768
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 641 13,339 SH   SOLE 0 0 0 13,339
VANGUARD WORLD FDS INF TECH ETF 92204A702 610 1,465 SH   SOLE 0 0 0 1,465
VERIZON COMMUNICATIONS INC COM 92343V104 732 14,366 SH   SOLE 0 0 0 14,366
VISA INC COM CL A 92826C839 855 3,857 SH   SOLE 0 0 0 3,857
WALMART INC COM 931142103 1,192 8,003 SH   SOLE 0 0 0 8,003
WASTE MGMT INC DEL COM 94106L109 206 1,301 SH   SOLE 0 0 0 1,301
WELLS FARGO CO NEW COM 949746101 327 6,739 SH   SOLE 0 0 0 6,739
WISDOMTREE TR US HIGH DIVIDEND 97717W208 3,308 37,554 SH   SOLE 0 0 0 37,554
WISDOMTREE TR INTL LRGCAP DV 97717W794 218 4,478 SH   SOLE 0 0 0 4,478
WISDOMTREE TR EMER MKT HIGH FD 97717W315 253 5,774 SH   SOLE 0 0 0 5,774