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
MFS Intermediate Income Tr SBI COM 55273C107 181 46,900 SH   SOLE   46,900 0 0
Nuveen Preferred & Income Oppo COM 67073B106 1,628 190,200 SH   SOLE   190,200 0 0
TCW Strategic Income Fund COM 872340104 684 118,800 SH   SOLE   108,800 0 10,000
DTF Tax Free Income COM 23334J107 160 11,186 SH   SOLE   11,186 0 0
Nuveen AMT Free Quality Muni I COM 670657105 164 11,395 SH   SOLE   11,395 0 0
Nuveen Muni Value Fd COM 670928100 1,479 140,305 SH   SOLE   134,205 0 6,100
Nuveen Select Tax Free Income COM 67063C106 154 10,155 SH   SOLE   10,155 0 0
Western Asset Municipal Partne COM 95766P108 214 14,650 SH   SOLE   14,650 0 0
3 M Company COM 88579Y101 883 5,687 SH   SOLE   5,537 0 150
AT & T COM 00206R102 2,027 68,273 SH   SOLE   67,398 0 875
AbbVie Inc COM 00287Y109 7,325 75,737 SH   SOLE   74,627 0 1,110
Abbott Laboratories COM 002824100 6,782 67,914 SH   SOLE   65,639 0 2,275
Adobe Inc COM 00724F101 12,532 28,991 SH   SOLE   27,861 0 1,130
Advance Auto Parts COM 00751Y106 387 2,646 SH   SOLE   2,646 0 0
Akamai Technologies COM 00971T101 5,896 52,645 SH   SOLE   51,295 0 1,350
Alphabet Cl A COM 02079K305 6,285 4,180 SH   SOLE   4,028 0 152
Alphabet Cl C COM 02079K107 8,579 5,718 SH   SOLE   5,531 0 187
Altria Group COM 02209S103 465 10,942 SH   SOLE   10,542 0 400
Amazon.Com COM 023135106 9,211 3,070 SH   SOLE   2,898 0 172
American Elec Pwr COM 025537101 1,474 17,399 SH   SOLE   17,399 0 0
American National Bankshares COM 027745108 835 36,770 SH   SOLE   36,770 0 0
American Tower New COM 03027X100 4,619 17,314 SH   SOLE   16,767 0 547
Amgen Inc COM 031162100 309 1,210 SH   SOLE   1,210 0 0
Annaly Capital Mgmt COM 035710409 81 11,150 SH   SOLE   10,850 0 300
Anthem Inc COM 036752103 431 1,625 SH   SOLE   1,625 0 0
Apple Inc COM 037833100 24,665 66,124 SH   SOLE   65,104 0 1,020
Atlantic Union Bankshares COM 04911A107 1,247 53,883 SH   SOLE   53,883 0 0
Bank of America Corp COM 060505104 838 34,391 SH   SOLE   34,391 0 0
Bank of Fincastle COM 062113105 37 18,390 SH   SOLE   18,390 0 0
Bank of New York Mellon Corp COM 064058100 991 27,463 SH   SOLE   27,463 0 0
Becton Dickinson COM 075887109 279 1,021 SH   SOLE   1,021 0 0
Benchmark Bankshares New COM 08160E207 643 43,610 SH   SOLE   43,610 0 0
Berkshire Hathaway Cl B COM 084670702 2,497 12,864 SH   SOLE   12,864 0 0
Boeing Co COM 097023105 358 2,096 SH   SOLE   2,096 0 0
Bristol-Myers Squibb COM 110122108 3,345 56,289 SH   SOLE   54,279 0 2,010
CSX Corp COM 126408103 670 9,553 SH   SOLE   9,553 0 0
Capital One Finl COM 14040H105 301 4,692 SH   SOLE   4,692 0 0
Carrier Global COM 14448C104 307 11,778 SH   SOLE   11,778 0 0
Caterpillar Inc COM 149123101 753 5,454 SH   SOLE   5,454 0 0
Centene Corp COM 15135B101 1,401 21,815 SH   SOLE   20,665 0 1,150
CenturyLink COM 156700106 137 13,897 SH   SOLE   13,447 0 450
Chevron Corp COM 166764100 1,378 15,466 SH   SOLE   15,466 0 0
Cisco Systems COM 17275R102 3,540 76,496 SH   SOLE   74,846 0 1,650
Coca-Cola Co COM 191216100 1,509 31,319 SH   SOLE   31,319 0 0
Colgate Palmolive Co COM 194162103 242 3,195 SH   SOLE   3,195 0 0
ConocoPhillips COM 20825C104 366 9,390 SH   SOLE   8,965 0 425
Consolidated Edison COM 209115104 3,027 39,645 SH   SOLE   38,620 0 1,025
Danaher Corp COM 235851102 249 1,251 SH   SOLE   1,251 0 0
Delta Air Lines Inc COM 247361702 284 10,950 SH   SOLE   350 0 10,600
DexCom Inc COM 252131107 2,246 5,375 SH   SOLE   4,965 0 410
Digital Realty Trust COM 253868103 220 1,430 SH   SOLE   1,430 0 0
Disney (Walt) Co COM 254687106 1,347 11,597 SH   SOLE   9,147 0 2,450
Dollar General COM 256677105 11,617 61,131 SH   SOLE   59,781 0 1,350
Dominion Energy COM 25746U109 2,661 32,424 SH   SOLE   31,924 0 500
Dover Corp COM 260003108 261 2,493 SH   SOLE   2,493 0 0
Dow (New) COM 260557103 301 7,063 SH   SOLE   6,851 0 212
Duke Energy Corp COM 26441C204 1,719 20,323 SH   SOLE   20,007 0 316
Dupont deNemours COM 26614N102 298 5,510 SH   SOLE   5,298 0 212
Edward Lifesciences Corp COM 28176E108 9,795 126,489 SH   SOLE   124,284 0 2,205
Equifax Inc COM 294429105 1,563 9,623 SH   SOLE   9,473 0 150
Estee Lauder Cl A COM 518439104 6,682 34,695 SH   SOLE   34,045 0 650
Exxon Mobil Corp COM 30231G102 3,053 70,097 SH   SOLE   68,997 0 1,100
Fastenal Co COM 311900104 254 5,590 SH   SOLE   4,340 0 1,250
Fidelity Natl Information Serv COM 31620M106 914 6,411 SH   SOLE   6,411 0 0
Ford Motor Company New COM 345370860 618 88,212 SH   SOLE   32,012 0 56,200
General Electric COM 369604103 231 33,582 SH   SOLE   33,582 0 0
General Mills COM 370334104 213 3,293 SH   SOLE   3,293 0 0
Halozyme Therapeutics COM 40637H109 380 13,968 SH   SOLE   13,968 0 0
HealthPeak Pptys COM 42250P103 856 31,323 SH   SOLE   31,123 0 200
Home Depot COM 437076102 10,057 37,912 SH   SOLE   37,067 0 845
Honeywell Int'l COM 438516106 313 2,057 SH   SOLE   2,057 0 0
IBM Corp COM 459200101 953 7,655 SH   SOLE   7,655 0 0
Imperial Resources Inc COM 45308Q106 0 40,000 SH   SOLE   40,000 0 0
Ingersoll-Rand (New) COM 45687V106 234 7,464 SH   SOLE   7,464 0 0
Int'l Paper Co COM 460146103 568 15,697 SH   SOLE   15,247 0 450
Intel Corp COM 458140100 3,897 79,134 SH   SOLE   78,209 0 925
JPMorgan Chase & Co COM 46625H100 678 6,962 SH   SOLE   4,387 0 2,575
Jack Henry & Associates COM 426281101 283 1,605 SH   SOLE   1,605 0 0
Johnson & Johnson COM 478160104 6,248 42,552 SH   SOLE   41,471 0 1,081
Kimberly-Clark COM 494368103 345 2,290 SH   SOLE   2,290 0 0
Lam Research Corp COM 512807108 377 1,080 SH   SOLE   1,080 0 0
Lamb Weston Holdings COM 513272104 263 4,221 SH   SOLE   4,221 0 0
Lilly (Eli) COM 532457108 4,154 25,537 SH   SOLE   24,837 0 700
Lockheed Martin COM 539830109 242 625 SH   SOLE   625 0 0
Lowe's Cos COM 548661107 654 4,427 SH   SOLE   4,327 0 100
Lululemon Athletica COM 550021109 11,107 34,425 SH   SOLE   33,525 0 900
Luna Innovations Inc COM 550351100 56 10,054 SH   SOLE   10,054 0 0
MSCI Inc COM 55354G100 7,031 18,686 SH   SOLE   18,156 0 530
Marsh & McLennan COM 571748102 250 2,193 SH   SOLE   2,193 0 0
McDonald's Corp COM 580135101 1,175 5,989 SH   SOLE   5,919 0 70
Medpace Holdings Inc COM 58506Q109 8,734 71,500 SH   SOLE   69,390 0 2,110
Merck & Co COM 58933Y105 2,255 28,303 SH   SOLE   27,988 0 315
Microsoft Corp COM 594918104 21,294 105,404 SH   SOLE   101,764 0 3,640
NVIDIA Corp COM 67066G104 558 1,365 SH   SOLE   1,135 0 230
Netflix Inc COM 64110L106 7,338 15,021 SH   SOLE   14,656 0 365
Nextera Energy COM 65339F101 232 829 SH   SOLE   829 0 0
Nike Inc Cl B COM 654106103 214 2,225 SH   SOLE   2,225 0 0
Nordson Corp COM 655663102 370 1,925 SH   SOLE   1,925 0 0
Norfolk Southern COM 655844108 4,650 25,119 SH   SOLE   25,100 0 19
Northrop Grumman COM 666807102 536 1,714 SH   SOLE   1,439 0 275
Norwegian Cruise line Holdings COM G66721104 323 22,700 SH   SOLE   0 0 22,700
Oneok Inc COM 682680103 730 26,006 SH   SOLE   25,681 0 325
Otis Worldwide COM 68902V107 355 5,887 SH   SOLE   5,887 0 0
PPG Inds COM 693506107 1,225 11,280 SH   SOLE   11,280 0 0
PayPal Holdings COM 70450Y103 977 5,540 SH   SOLE   4,440 0 1,100
Pepsico Inc COM 713448108 3,699 26,923 SH   SOLE   26,573 0 350
Pfizer Inc COM 717081103 5,815 149,028 SH   SOLE   148,153 0 875
Philip Morris Intl COM 718172109 362 4,638 SH   SOLE   4,638 0 0
Pinnacle Finl Partners COM 72346Q104 713 17,644 SH   SOLE   17,644 0 0
Potomac Banchares COM 737643106 106 10,771 SH   SOLE   10,771 0 0
Precigen (was Intrexon Corp) COM 74017N105 369 87,544 SH   SOLE   87,544 0 0
Procter & Gamble COM 742718109 1,370 10,716 SH   SOLE   10,716 0 0
Qualys Inc COM 74758T303 1,449 12,630 SH   SOLE   11,580 0 1,050
RGC Resources COM 74955L103 1,726 75,996 SH   SOLE   74,406 0 1,590
Raytheon Technologies COM 75513E101 628 10,301 SH   SOLE   10,301 0 0
Realty Income Corp COM 756109104 715 11,952 SH   SOLE   11,152 0 800
Roku Inc COM 77543R102 309 2,075 SH   SOLE   2,075 0 0
S & T Bancorp COM 783859101 289 12,608 SH   SOLE   12,608 0 0
S&P Global COM 78409V104 208 599 SH   SOLE   599 0 0
Southern Co COM 842587107 3,185 57,609 SH   SOLE   56,909 0 700
Steel Dynamics COM 858119100 763 27,908 SH   SOLE   27,908 0 0
Target Corp COM 87612E106 1,288 10,446 SH   SOLE   10,221 0 225
Teradyne Inc COM 880770102 7,741 88,978 SH   SOLE   86,443 0 2,535
Thermo Fisher Scientific COM 883556102 13,214 32,437 SH   SOLE   31,572 0 865
Travelers Companies COM 89417E109 1,539 13,375 SH   SOLE   13,050 0 325
Truist Financial COM 89832Q109 2,531 68,653 SH   SOLE   68,403 0 250
UDR Inc COM 902653104 1,035 28,849 SH   SOLE   28,822 0 27
Union Pacific COM 907818108 382 2,188 SH   SOLE   2,188 0 0
United Bankshares COM 909907107 232 8,451 SH   SOLE   8,451 0 0
UnitedHealth Group COM 91324P102 303 1,010 SH   SOLE   610 0 400
VISA Cl A COM 92826C839 379 1,928 SH   SOLE   1,778 0 150
Veeva Systems Inc COM 922475108 8,361 33,309 SH   SOLE   32,384 0 925
Verizon Comms COM 92343V104 8,527 148,340 SH   SOLE   144,396 0 3,944
Vulcan Materials COM 929160109 304 2,522 SH   SOLE   2,522 0 0
Wal-Mart Inc COM 931142103 620 4,708 SH   SOLE   4,708 0 0
Walgreens Boots Alliance COM 931427108 763 18,745 SH   SOLE   18,745 0 0
Waste Management COM 94106L109 1,159 10,780 SH   SOLE   10,330 0 450
YUM Brands COM 988498101 270 2,914 SH   SOLE   2,914 0 0
Zimmer Biomet Holdings COM 98956P102 249 1,854 SH   SOLE   1,854 0 0
Ziopharm Oncology COM 98973P101 59 19,648 SH   SOLE   19,648 0 0
Zoetis Inc COM 98978V103 11,574 79,283 SH   SOLE   77,113 0 2,170
Invesco QQQ Trust ETFs 46090E103 523 2,035 SH   SOLE   2,035 0 0
SPDR DJIA ETF Trust ETFs 78467X109 367 1,390 SH   SOLE   1,390 0 0
SPDR S&P 500 ETF Trust ETFs 78462F103 504 1,569 SH   SOLE   1,569 0 0
SPDR Technology Select ETFs 81369Y803 874 8,278 SH   SOLE   8,278 0 0
Vanguard Div App ETF ETFs 921908844 509 4,145 SH   SOLE   4,145 0 0
Vanguard Growth ETF ETFs 922908736 2,031 9,626 SH   SOLE   9,289 0 337
Vanguard Index Fds - Mid Cap E ETFs 922908629 1,394 8,134 SH   SOLE   7,898 0 236
Vanguard Value ETF ETFs 922908744 1,230 11,877 SH   SOLE   11,513 0 364
iShares Russell 2000 ETF ETFs 464287655 1,418 9,705 SH   SOLE   9,705 0 0
iShares Russell 2000 Growth ET ETFs 464287648 1,206 5,697 SH   SOLE   5,500 0 197
iShares S&P 100 Index Fd ETFs 464287101 250 1,690 SH   SOLE   1,690 0 0
iShares S&P SmallCap 600 Index ETFs 464287804 257 3,647 SH   SOLE   3,647 0 0
Vanguard Real Estate ETF ETFs 922908553 1,586 19,703 SH   SOLE   18,356 0 1,347
SPDR Gold Trust ETFs 78463V107 434 2,360 SH   SOLE   2,360 0 0
Alibaba Group Holding Ltd COM 01609W102 7,567 30,384 SH   SOLE   28,779 0 1,605
Aon PLC Cl A COM G0403H108 1,442 7,007 SH   SOLE   7,007 0 0
AstraZeneca PLC ADR COM 046353108 338 6,010 SH   SOLE   6,010 0 0
Atlassian Corp PLC COM G06242104 229 1,250 SH   SOLE   1,250 0 0
Chubb Ltd COM H1467J104 627 4,751 SH   SOLE   4,751 0 0
Globant SA COM L44385109 533 3,215 SH   SOLE   3,215 0 0
Horizon Therapeutics COM G46188101 1,350 22,775 SH   SOLE   22,775 0 0
IHS Markit LTD COM G47567105 367 4,595 SH   SOLE   4,525 0 70
Icon PLC COM G4705A100 289 1,555 SH   SOLE   1,555 0 0
Medtronic PLC COM G5960L103 418 4,338 SH   SOLE   4,338 0 0
Mercadolibre Inc COM 58733R102 530 510 SH   SOLE   510 0 0
NetEase Inc ADS COM 64110W102 270 600 SH   SOLE   600 0 0
New Oriental Education & Tech COM 647581107 201 1,480 SH   SOLE   1,480 0 0
Open Text Corp COM 683715106 315 7,125 SH   SOLE   7,125 0 0
Rio Tinto PLC ADR COM 767204100 273 4,447 SH   SOLE   4,447 0 0
Royal Dutch Shell ADR Cl A COM 780259206 218 6,805 SH   SOLE   6,805 0 0
SAP AG ADR COM 803054204 305 1,900 SH   SOLE   1,900 0 0
SolarEdge Technologies Inc COM 83417M104 328 1,925 SH   SOLE   1,925 0 0
Steris PLC COM G8473T100 224 1,425 SH   SOLE   1,425 0 0
Taiwan Semiconductor Mfg ADS COM 874039100 304 3,950 SH   SOLE   3,950 0 0
Trane Tech PLC F (was Ingersol COM G8994E103 900 8,680 SH   SOLE   8,680 0 0
Unilever NV NY Shrs COM 904784709 291 4,850 SH   SOLE   4,850 0 0
Willis Tower Watson COM G96629103 263 1,254 SH   SOLE   1,254 0 0
Vanguard European ETF ETFs 922042874 225 4,220 SH   SOLE   4,220 0 0
Vanguard FTSE Emerging Markets ETFs 922042858 1,570 36,515 SH   SOLE   35,500 0 1,015
iShares MSCI EAFE ETF ETFs 464287465 460 7,225 SH   SOLE   7,225 0 0
iShares MSCI EAFE Growth ETFs 464288885 980 11,126 SH   SOLE   10,621 0 505
iShares MSCI EAFE Value Index ETFs 464288877 1,215 29,446 SH   SOLE   28,554 0 892
iShares MSCI Emerging Markets ETFs 464287234 1,288 29,635 SH   SOLE   29,635 0 0
Cohen & ST Select Infrastructu COM 19248A109 1,505 64,822 SH   SOLE   63,422 0 1,400
Liberty All-Star Equity Fund COM 530158104 66 11,200 SH   SOLE   11,200 0 0