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
3M CORPORATION Equities 88579Y101   203,442 1,918 SH   SOLE   1,918 0 0
ABBOTT LABORATORIES Equities 002824100   900,074 7,919 SH   SOLE   7,919 0 0
ABBVIE INC Equities 00287Y109   1,007,559 5,534 SH   SOLE   5,534 0 0
ACCENTURE PLC Equities G1151C101   207,273 598 SH   DFND   598 0 0
ACCENTURE PLC Equities G1151C101   1,038,097 2,995 SH   SOLE   2,995 0 0
AIR PRODS & CHEMS Equities 009158106   308,652 1,274 SH   SOLE   1,274 0 0
ALPHABET INC CL A Equities 02079K305   562,214 3,725 SH   SOLE   3,725 0 0
ALPHABET INC CL C Equities 02079K107   1,121,699 7,367 SH   SOLE   7,367 0 0
AMAZON.COM INC Equities 023135106   1,917,981 10,633 SH   SOLE   10,373 0 260
AMERICAN EXPRESS CO Equities 025816109   335,615 1,474 SH   SOLE   1,474 0 0
AMERICAN NATIONAL BANKSHARES, I Equities 027745108   883,273 18,494 SH   SOLE   18,494 0 0
ANALOG DEVICES INC Equities 032654105   666,157 3,368 SH   SOLE   3,368 0 0
ANGI HOMESERVICES INC Equities 00183L102   237,629 90,698 SH   SOLE   90,698 0 0
APPLE COMPUTER INC Equities 037833100   316,209 1,844 SH   DFND   1,844 0 0
APPLE COMPUTER INC Equities 037833100   12,434,186 72,511 SH   SOLE   72,019 0 492
AUTOMATIC DATA PRO Equities 053015103   748,471 2,997 SH   SOLE   2,997 0 0
BANK OF AMERICA CORP Equities 060505104   426,979 11,260 SH   SOLE   11,260 0 0
BECTON, DICKINSON Equities 075887109   544,885 2,202 SH   SOLE   2,202 0 0
BERKSHIRE HATHAWAY INC DELCL B Equities 084670702   4,869,622 11,580 SH   SOLE   11,580 0 0
BLACKROCK, INC. Equities 09247X101   441,027 529 SH   SOLE   529 0 0
BROADCOM INC Equities 11135F101   514,259 388 SH   SOLE   388 0 0
CANADIAN NATL RR Equities 136375102   641,428 4,870 SH   SOLE   4,870 0 0
CHIPOTLE MEXICAN GRILL INC Equities 169656105   436,016 150 SH   SOLE   150 0 0
CISCO SYSTEMS INC Equities 17275R102   419,494 8,405 SH   SOLE   8,405 0 0
CME GROUP INC Equities 12572Q105   222,610 1,034 SH   SOLE   1,034 0 0
CMS ENERGY CORP Equities 125896100   265,737 4,404 SH   SOLE   4,404 0 0
COCA COLA CO Equities 191216100   239,030 3,907 SH   SOLE   3,907 0 0
CONSTELLATION BRANDS Equities 21036P108   226,920 835 SH   SOLE   835 0 0
COSTCO WHSL CORP NEW Equities 22160K105   423,460 578 SH   SOLE   578 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732   2,111,500 82,837 SH   SOLE   82,837 0 0
DFA DIMENSIONAL GLOBAL REAL EST Mutual Funds 25434V658   756,053 29,614 SH   SOLE   29,614 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799   6,664,572 249,143 SH   SOLE   249,143 0 0
DFA DIMENSIONAL US SMALL CAP VA Mutual Funds 25434V815   3,233,424 107,423 SH   SOLE   107,423 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708   36,588,994 1,145,197 SH   SOLE   1,145,197 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   2,122,212 51,888 SH   DFND   51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   74,543,322 1,822,571 SH   SOLE   1,822,571 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   5,087,025 93,459 SH   DFND   93,459 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   96,417,858 1,771,409 SH   SOLE   1,768,597 0 2,812
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880   10,391,041 408,452 SH   SOLE   408,452 0 0
DISNEY WALT CO Equities 254687106   365,979 2,991 SH   SOLE   2,991 0 0
DUKE ENERGY CORP NEW Equities 26441C204   1,021,644 10,564 SH   SOLE   10,564 0 0
EQUIFAX, INC. Equities 294429105   257,622 963 SH   SOLE   963 0 0
EXXON MOBIL CORP Equities 30231G102   1,656,304 14,249 SH   SOLE   14,249 0 0
F.N.B. CORP (PA) Equities 302520101   1,230,563 87,274 SH   SOLE   87,274 0 0
FIRST CITIZENS CL A Equities 31946M103   654,000 400 SH   SOLE   400 0 0
FREEPORT MCMORAN COPPER & GOLD Equities 35671D857   222,452 4,731 SH   SOLE   4,731 0 0
GENERAL DYNAMICS Equities 369550108   301,417 1,067 SH   SOLE   1,067 0 0
GENERAL ELEC CO Equities 369604301   1,024,744 5,839 SH   SOLE   5,839 0 0
GENERAL MILLS Equities 370334104   293,594 4,196 SH   SOLE   4,196 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203   264,931 1,242 SH   SOLE   1,242 0 0
HOME DEPOT, INC. Equities 437076102   1,317,282 3,434 SH   SOLE   3,434 0 0
IBM CORP. Equities 459200101   955,564 5,004 SH   SOLE   5,004 0 0
ILLINOIS TOOL WORKS Equities 452308109   377,809 1,408 SH   SOLE   1,408 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103   309,919 698 SH   SOLE   698 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507   4,960,332 81,665 SH   SOLE   81,665 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842   237,133 3,195 SH   SOLE   3,195 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200   3,431,965 6,528 SH   SOLE   6,528 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804   275,858 2,496 SH   SOLE   2,496 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226   285,985 2,920 SH   SOLE   2,920 0 0
ISHARES MSCI EAFE Mutual Funds 464287465   327,186 4,097 SH   SOLE   4,097 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273   1,332,147 21,035 SH   SOLE   21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475   611,746 10,395 SH   SOLE   10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614   1,687,609 5,007 SH   SOLE   5,007 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598   1,088,631 6,078 SH   SOLE   6,078 0 0
ISHARES RUSSELL 2000 Mutual Funds 464287655   3,383,517 16,089 SH   SOLE   16,089 0 0
ISHARES RUSSELL 2000 GROWTH Mutual Funds 464287648   207,162 765 SH   SOLE   765 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499   760,594 9,045 SH   SOLE   9,045 0 0
ISHARES S&P 500 BARRA VALUE Mutual Funds 464287408   782,734 4,190 SH   SOLE   4,190 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309   886,451 10,498 SH   SOLE   10,498 0 0
J.P. MORGAN CHASE & Equities 46625H100   990,684 4,946 SH   SOLE   4,946 0 0
JOHNSON & JOHNSON Equities 478160104   1,495,054 9,451 SH   SOLE   9,451 0 0
KIMBERLY-CLARK Equities 494368103   310,440 2,400 SH   SOLE   2,400 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109   257,851 1,210 SH   SOLE   1,210 0 0
LILLY ELI & CO. Equities 532457108   482,335 620 SH   SOLE   620 0 0
LIVE OAK BANCSHARES INC Equities 53803X105   13,723,206 330,600 SH   SOLE   330,600 0 0
LOWES COMPANIES Equities 548661107   271,033 1,064 SH   DFND   1,064 0 0
LOWES COMPANIES Equities 548661107   1,269,574 4,984 SH   SOLE   4,984 0 0
MANULIFE FINL CORP Equities 56501R106   242,703 9,712 SH   SOLE   9,712 0 0
MCDONALDS CORP Equities 580135101   732,788 2,599 SH   SOLE   2,599 0 0
MERCK & CO INC NEWCOM Equities 58933Y105   3,188,308 24,163 SH   SOLE   24,163 0 0
META PLATFORMS INC. CL A Equities 30303M102   953,194 1,963 SH   SOLE   1,963 0 0
MICROSOFT CORPORATION Equities 594918104   529,686 1,259 SH   DFND   1,259 0 0
MICROSOFT CORPORATION Equities 594918104   5,504,700 13,084 SH   SOLE   13,084 0 0
NCINO INC COM Equities 63947X101   4,923,768 131,722 SH   SOLE   131,722 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   32,211 504 SH   DFND   504 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   187,256 2,930 SH   SOLE   2,930 0 0
NVIDIA CORP Equities 67066G104   601,771 666 SH   SOLE   666 0 0
ORACLE CORP Equities 68389X105   265,540 2,114 SH   SOLE   2,114 0 0
PARKER HANNIFIN CORP Equities 701094104   352,927 635 SH   SOLE   635 0 0
PAYCHEX INC Equities 704326107   565,003 4,601 SH   SOLE   4,601 0 0
PEPSICO, INC. Equities 713448108   751,843 4,296 SH   SOLE   4,296 0 0
PFIZER INC Equities 717081103   759,851 27,382 SH   SOLE   27,382 0 0
PROCTER & GAMBLE CO Equities 742718109   1,184,912 7,303 SH   SOLE   7,303 0 0
ROYAL BANK OF CANADA Equities 780087102   2,503,640 24,818 SH   SOLE   24,818 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300   229,946 2,480 SH   SOLE   2,480 0 0
SONOCO PRODUCTS CO Equities 835495102   843,886 14,590 SH   SOLE   14,590 0 0
SOUTHERN CO. Equities 842587107   314,939 4,390 SH   SOLE   4,390 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854   374,041 6,079 SH   SOLE   6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103   16,442,182 31,434 SH   SOLE   31,434 0 0
STATE STREET CORP Equities 857477103   318,326 4,117 SH   SOLE   4,117 0 0
SYSCO CORP Equities 871829107   245,894 3,029 SH   SOLE   3,029 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   362,573 2,665 SH   SOLE   2,665 0 0
TARGET CORP. Equities 87612E106   624,488 3,524 SH   SOLE   3,524 0 0
TESLA MOTORS INC Equities 88160R101   633,020 3,601 SH   SOLE   3,601 0 0
TG THERAPEUTICS INC Equities 88322Q108   161,226 10,600 SH   SOLE   10,600 0 0
TJX COS INC Equities 872540109   246,146 2,427 SH   SOLE   2,427 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109   949,280 24,353 SH   SOLE   24,353 0 0
UNITEDHEALTH GRP INC Equities 91324P102   1,042,828 2,108 SH   SOLE   2,108 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718   498,907 4,270 SH   SOLE   4,270 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858   7,194,699 143,406 SH   SOLE   143,406 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858   2,744,337 65,701 SH   SOLE   65,701 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736   2,771,843 8,053 SH   SOLE   8,053 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629   14,604,067 58,449 SH   SOLE   58,449 0 0
VANGUARD S&P 500 Mutual Funds 922908363   21,725,237 45,195 SH   SOLE   45,195 0 0
VANGUARD SM-CAP ETF Mutual Funds 922908595   1,156,554 4,436 SH   SOLE   4,436 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611   931,769 4,856 SH   SOLE   4,856 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751   8,587,648 37,568 SH   SOLE   37,568 0 0
VANGUARD VALUE ETF Mutual Funds 922908744   3,065,025 18,820 SH   SOLE   18,820 0 0
VERIZON COMM INC Equities 92343V104   209,590 4,995 SH   SOLE   4,995 0 0
VISA INC Equities 92826C839   1,191,113 4,268 SH   SOLE   4,268 0 0
VULCAN MATERIALS CO Equities 929160109   342,788 1,256 SH   SOLE   1,256 0 0
WAL-MART STORES INC Equities 931142103   1,525,490 25,353 SH   SOLE   25,353 0 0
WASTE MANAGEMENT INC Equities 94106L109   403,067 1,891 SH   SOLE   1,891 0 0