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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Common Stock 002824100   439,266 4,338 SH   SOLE   4,338 0 0
Abbvie Inc Common Stock 00287Y109   1,247,389 7,827 SH   SOLE   7,827 0 0
Accenture PLC F Class A Common Stock G1151C101   621,923 2,176 SH   SOLE   2,176 0 0
Air Prod & Chemicals Common Stock 009158106   384,028 1,329 SH   SOLE   1,329 0 0
Allstate Corp Common Stock 020002101   235,753 2,109 SH   SOLE   2,109 0 0
Alphabet Inc. Class C Common Stock 02079K107   3,507,920 33,730 SH   SOLE   33,730 0 0
Altria Group Inc Common Stock 02209S103   1,260,235 27,661 SH   SOLE   27,661 0 0
Amazon.com Inc Common Stock 023135106   264,836 2,564 SH   SOLE   2,564 0 0
American Express Co Common Stock 025816109   730,234 4,427 SH   SOLE   4,427 0 0
American International Group Common Stock 026874784   494,434 9,818 SH   SOLE   9,818 0 0
Ameriprise Financial Common Stock 03076C106   262,364 856 SH   SOLE   856 0 0
Analog Devices Inc Common Stock 032654105   299,972 1,521 SH   SOLE   1,521 0 0
Apple Inc Common Stock 037833100   7,273,734 44,110 SH   SOLE   44,110 0 0
Applied Materials Common Stock 038222105   625,953 5,096 SH   SOLE   5,096 0 0
Arch Cap Group LTD F Common Stock G0450A105   3,805,403 56,069 SH   SOLE   56,069 0 0
Astrazeneca ADR Common Stock 046353108   303,669 4,375 SH   SOLE   4,375 0 0
Autodesk Inc Common Stock 052769106   213,572 1,026 SH   SOLE   1,026 0 0
Autozone Inc Common Stock 053332102   732,529 298 SH   SOLE   298 0 0
Baker Hughes Co. Class A Common Stock 05722G100   1,293,860 44,832 SH   SOLE   44,832 0 0
Bank Of America Corp Common Stock 060505104   1,699,060 59,408 SH   SOLE   59,408 0 0
Berkshire Hathaway Class B Common Stock 084670702   5,124,038 16,595 SH   SOLE   16,595 0 0
Berkshire Hathaway Inc. Class A Common Stock 084990175   1,862,400 400 SH   SOLE   400 0 0
BlackRock Inc Common Stock 09247X101   289,060 432 SH   SOLE   432 0 0
Bristol-Myers Squibb Common Stock 110122108   820,144 11,833 SH   SOLE   11,833 0 0
Broadcom Inc Common Stock 11135F101   1,515,959 2,363 SH   SOLE   2,363 0 0
Builders Firstsource Common Stock 12008R107   493,084 5,554 SH   SOLE   5,554 0 0
CBRE Group Inc Class A Common Stock 12504L109   688,855 9,461 SH   SOLE   9,461 0 0
Charles Schwab Corp Common Stock 808513105   1,852,851 35,373 SH   SOLE   35,373 0 0
Check PT Software F Common Stock M22465104   1,503,060 11,562 SH   SOLE   11,562 0 0
Chevron Corp. Common Stock 166764100   1,446,250 8,864 SH   SOLE   8,864 0 0
Chubb LTD F Common Stock H1467J104   222,116 1,139 SH   SOLE   1,139 0 0
CIGNA Corp Common Stock 125523100   2,536,203 9,925 SH   SOLE   9,925 0 0
Cisco Systems Common Stock 17275R102   3,435,397 65,718 SH   SOLE   65,718 0 0
Coca-Cola Common Stock 191216100   932,601 14,924 SH   SOLE   14,924 0 0
Colgate-Palmolive Co Common Stock 194162103   272,419 3,625 SH   SOLE   3,625 0 0
Comcast Corp Class A Common Stock 20030N101   2,260,453 59,627 SH   SOLE   59,627 0 0
Crown Castle Intl Co REIT Common Stock 22822V101   486,910 3,638 SH   SOLE   3,638 0 0
CVS Health Corp Common Stock 126650100   2,725,721 36,680 SH   SOLE   36,680 0 0
Danaher Corp Common Stock 235851102   407,481 1,615 SH   SOLE   1,615 0 0
Deere & Co Common Stock 244199105   320,951 775 SH   SOLE   775 0 0
Dell Technologies Inc Class C Common Stock 24703L202   236,073 5,871 SH   SOLE   5,871 0 0
Diageo PLC Common Stock 25243Q205   528,751 2,895 SH   SOLE   2,895 0 0
Discover Financial Services Common Stock 254709108   306,206 3,098 SH   SOLE   3,098 0 0
Dollar Tree Inc Common Stock 256746108   1,321,378 9,205 SH   SOLE   9,205 0 0
Dominion Energy Inc Common Stock 25746U109   3,153,485 56,403 SH   SOLE   56,403 0 0
Dropbox Inc Class A Common Stock 26210C104   493,109 22,808 SH   SOLE   22,808 0 0
Duke Energy Corp Common Stock 26441C204   419,259 4,346 SH   SOLE   4,346 0 0
eBay Inc Common Stock 278642103   314,583 7,090 SH   SOLE   7,090 0 0
Eli Lilly & Co. Common Stock 532457108   806,350 2,348 SH   SOLE   2,348 0 0
EOG Resources Inc. Common Stock 26875P101   268,349 2,341 SH   SOLE   2,341 0 0
EQT Corp Common Stock 26884L109   318,302 9,975 SH   SOLE   9,975 0 0
Equinix Inc REIT Common Stock 29444U700   546,548 758 SH   SOLE   758 0 0
Expeditors International of Washington Common Stock 302130109   969,937 8,808 SH   SOLE   8,808 0 0
ExxonMobil Common Stock 30231G102   2,348,263 21,414 SH   SOLE   21,414 0 0
Fastenal Co Common Stock 311900104   218,619 4,053 SH   SOLE   4,053 0 0
Fidelity Natl Info Common Stock 31620M106   408,833 7,525 SH   SOLE   7,525 0 0
General Electric Co Common Stock 369604301   223,236 2,333 SH   SOLE   2,333 0 0
Home Depot Common Stock 437076102   475,143 1,610 SH   SOLE   1,610 0 0
Honeywell Intl Inc Common Stock 438516106   443,781 2,322 SH   SOLE   2,322 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   299,421 4,479 SH   SOLE   4,479 0 0
iShares Core US REIT ETF ETF 464288521   2,228,990 44,226 SH   SOLE   44,226 0 0
iShares Russell 2000 ETF ETF 464287655   2,338,467 13,108 SH   SOLE   13,108 0 0
iShares Russell 2000 Value ETF ETF 464287630   247,321 1,805 SH   SOLE   1,805 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   971,090 10,376 SH   SOLE   10,376 0 0
Johnson & Johnson Common Stock 478160104   2,108,299 13,602 SH   SOLE   13,602 0 0
JPMorgan Chase Common Stock 46625H100   2,153,633 16,527 SH   SOLE   16,527 0 0
Kinder Morgan Inc Common Stock 49456B101   288,267 16,463 SH   SOLE   16,463 0 0
L3Harris Technologies Inc. Common Stock 502431109   370,109 1,886 SH   SOLE   1,886 0 0
Lab Corp Of America Common Stock 50540R409   1,861,055 8,112 SH   SOLE   8,112 0 0
Lam Research Corp Common Stock 512807108   478,661 900 SH   SOLE   900 0 0
LKQ Corp Common Stock 501889208   442,387 7,794 SH   SOLE   7,794 0 0
Lockheed Martin Corp Common Stock 539830109   2,508,578 5,307 SH   SOLE   5,307 0 0
Lowes Companies Inc Common Stock 548661107   468,930 2,345 SH   SOLE   2,345 0 0
Marathon Oil Corp Common Stock 565849106   495,708 20,689 SH   SOLE   20,689 0 0
Marathon Pete Corp Common Stock 56585A102   917,318 6,804 SH   SOLE   6,804 0 0
Mastercard Inc Class A Common Stock 57636Q104   835,843 2,300 SH   SOLE   2,300 0 0
McDonald's Common Stock 580135101   569,006 2,035 SH   SOLE   2,035 0 0
McKesson Corp Common Stock 58155Q103   3,367,354 9,443 SH   SOLE   9,443 0 0
Merck & Co. Inc. Common Stock 58933Y105   3,672,025 34,280 SH   SOLE   34,280 0 0
Meta Platforms Inc Class A Common Stock 30303M102   1,306,610 6,165 SH   SOLE   6,165 0 0
Micron Technology Common Stock 595112103   261,876 4,340 SH   SOLE   4,340 0 0
Microsoft Common Stock 594918104   2,507,135 8,696 SH   SOLE   8,696 0 0
Mondelez Intl Class A Common Stock 609207105   468,161 6,678 SH   SOLE   6,678 0 0
Nestle S A F Sponsored ADR Common Stock 641069406   468,030 3,805 SH   SOLE   3,805 0 0
Nextera Energy Inc Common Stock 65339F101   271,167 3,518 SH   SOLE   3,518 0 0
Nintendo LTD F Sponsored ADR Common Stock 654445303   424,412 43,799 SH   SOLE   43,799 0 0
Nisource Inc 00500 Common Stock 65473P105   221,974 7,939 SH   SOLE   7,939 0 0
Norfolk Southern Co Common Stock 655844108   1,076,114 5,076 SH   SOLE   5,076 0 0
Northrop Grumman Corp Common Stock 666807102   611,779 1,325 SH   SOLE   1,325 0 0
Nucor Corp Common Stock 670346105   572,186 3,692 SH   SOLE   3,692 0 0
Nvidia Corp Common Stock 67066G104   3,762,950 13,547 SH   SOLE   13,547 0 0
NVR Inc. Common Stock 62944T105   880,406 158 SH   SOLE   158 0 0
Oracle Corp Common Stock 68389X105   825,966 8,889 SH   SOLE   8,889 0 0
O'Reilly Automotive Common Stock 67103H107   1,142,727 1,346 SH   SOLE   1,346 0 0
Paychex Inc Common Stock 704326107   567,106 4,949 SH   SOLE   4,949 0 0
Pepsico Inc Common Stock 713448108   1,742,241 9,557 SH   SOLE   9,557 0 0
Pfizer Common Stock 717081103   2,290,312 56,135 SH   SOLE   56,135 0 0
Philip Morris Intl Common Stock 718172109   1,596,462 16,174 SH   SOLE   16,174 0 0
PNC Financial Services Common Stock 693475105   2,564,243 20,175 SH   SOLE   20,175 0 0
Post Holdings Inc Common Stock 737446104   1,464,342 16,294 SH   SOLE   16,294 0 0
Procter & Gamble Common Stock 742718109   2,651,737 17,834 SH   SOLE   17,834 0 0
Progressive Co. Common Stock 743315103   2,446,905 17,014 SH   SOLE   17,014 0 0
Qualcomm Inc Common Stock 747525103   569,390 4,463 SH   SOLE   4,463 0 0
Raytheon Technologies Co Common Stock 75513E101   1,551,023 15,838 SH   SOLE   15,838 0 0
Regeneron Pharms Inc Common Stock 75886F107   1,027,088 1,250 SH   SOLE   1,250 0 0
RGC Resources Inc Common Stock 74955L103   781,086 33,682 SH   SOLE   33,682 0 0
S&P Global Inc Common Stock 78409V104   225,135 653 SH   SOLE   653 0 0
Southern Co Common Stock 842587107   205,331 2,951 SH   SOLE   2,951 0 0
SPDR S&P 500 ETF ETF 78462F103   862,882 2,100 SH   SOLE   2,100 0 0
SPDR Short Term Corporate Bond ETF ETF 78464A474   277,041 9,350 SH   SOLE   9,350 0 0
Sprott Physical Gold Trust Common Stock 85207H104   220,954 14,292 SH   SOLE   14,292 0 0
Starbucks Corp Common Stock 855244109   475,770 4,569 SH   SOLE   4,569 0 0
Steel Dynamics Inc Common Stock 858119100   1,276,688 11,251 SH   SOLE   11,251 0 0
Target Corp Common Stock 87612E106   2,184,361 13,188 SH   SOLE   13,188 0 0
Texas Instruments Common Stock 882508104   734,181 3,947 SH   SOLE   3,947 0 0
Textron Inc Common Stock 883203101   396,064 5,606 SH   SOLE   5,606 0 0
Thermo Fisher Scientific Common Stock 883556102   219,154 380 SH   SOLE   380 0 0
TJX Companies Inc Common Stock 872540109   373,464 4,766 SH   SOLE   4,766 0 0
Truist Finl Corp Common Stock 89832Q109   435,048 12,758 SH   SOLE   12,758 0 0
Ulta Beauty Inc. Common Stock 90384S303   565,314 1,036 SH   SOLE   1,036 0 0
Union Pacific Corp Common Stock 907818108   394,470 1,960 SH   SOLE   1,960 0 0
United Parcel Service Class B Common Stock 911312106   407,573 2,101 SH   SOLE   2,101 0 0
UnitedHealth Group Common Stock 91324P102   372,874 789 SH   SOLE   789 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   204,987 1,331 SH   SOLE   1,331 0 0
Vanguard FTSE All World Ex US ETF ETF 922042775   957,648 17,910 SH   SOLE   17,910 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   1,863,127 41,247 SH   SOLE   41,247 0 0
Vanguard Muni Bond Tax Exempt ETF ETF 922907746   3,920,071 77,380 SH   SOLE   77,380 0 0
Vanguard S&P 500 ETF ETF 922908363   14,542,627 38,670 SH   SOLE   38,670 0 0
Vanguard Small Cap ETF ETF 922908751   10,703,419 56,465 SH   SOLE   56,465 0 0
Vanguard Small Cap Value ETF ETF 922908611   3,185,043 20,062 SH   SOLE   20,062 0 0
Vanguard Total Bond Market ETF ETF 921937835   1,057,098 14,318 SH   SOLE   14,318 0 0
Verizon Common Stock 92343V104   2,136,511 54,937 SH   SOLE   54,937 0 0
Vertex Pharmaceutical Common Stock 92532F100   1,920,352 6,095 SH   SOLE   6,095 0 0
Visa Inc Class A Common Stock 92826C839   512,471 2,273 SH   SOLE   2,273 0 0
VMware Inc Class A Common Stock 928563402   742,858 5,950 SH   SOLE   5,950 0 0
Wal-Mart Common Stock 931142103   1,381,767 9,335 SH   SOLE   9,335 0 0
Walt Disney Common Stock 254687106   488,951 4,883 SH   SOLE   4,883 0 0
Wells Fargo & Co Common Stock 949746101   1,563,662 41,832 SH   SOLE   41,832 0 0
Westrock Co Common Stock 96145D105   252,109 8,274 SH   SOLE   8,274 0 0
Williams Cos Inc Common Stock 969457100   2,195,129 73,514 SH   SOLE   73,514 0 0
Willis Towers Watson P F Common Stock G96629103   995,202 4,267 SH   SOLE   4,267 0 0