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
3M Co. COM 88579Y101 2,292 15,396 SH   SOLE   13,103 0 2,293
AT&T Inc. COM 00206R102 1,184 50,097 SH   SOLE   41,786 0 8,311
AT&T Inc. COM 00206R102 9 396 SH   OTR   396 0 0
AbbVie Inc. COM 00287Y109 18,653 115,065 SH   SOLE   107,089 0 7,976
AbbVie Inc. COM 00287Y109 190 1,172 SH   OTR   1,122 0 50
Abbott Labs. COM 002824100 4,808 40,626 SH   SOLE   34,821 0 5,805
Abbott Labs. COM 002824100 33 275 SH   OTR   175 0 100
Adobe Systems COM 00724f101 2,604 5,715 SH   SOLE   5,715 0 0
Albemarle Corporation COM 012653101 531 2,400 SH   SOLE   2,400 0 0
Alexander & Baldwin COM 014491104 8,454 364,535 SH   SOLE   356,529 0 8,006
Allied Motion Technologies COM 019330109 6,512 218,243 SH   SOLE   210,964 0 7,279
Alphabet Inc. (A) COM 02079K305 1,332 479 SH   SOLE   379 0 100
Alphabet Inc. (C) COM 02079K107 1,195 428 SH   SOLE   378 0 50
Altria Group Inc. COM 02209S103 483 9,250 SH   SOLE   9,250 0 0
Amazon.com, Inc. COM 023135106 5,056 1,551 SH   SOLE   1,480 0 71
Amazon.com, Inc. COM 023135106 33 10 SH   OTR   10 0 0
American Elec Pwr Inc COM 025537101 1,703 17,065 SH   SOLE   17,065 0 0
American Express Co. COM 025816109 13,984 74,783 SH   SOLE   71,245 0 3,538
American Woodmark Corp. COM 030506109 4,042 82,580 SH   SOLE   80,880 0 1,700
Analog Devices Inc. COM 032654105 421 2,546 SH   SOLE   2,546 0 0
Anthem, Inc. COM 036752103 291 594 SH   SOLE   594 0 0
Apple, Inc. COM 037833100 13,352 76,466 SH   SOLE   70,506 0 5,960
Argan Inc. COM 04010E109 4,397 108,334 SH   SOLE   108,334 0 0
Atlantic Union Bankshares Corp COM 04911A107 9,167 249,837 SH   SOLE   242,687 0 7,150
Automatic Data Processing COM 053015103 4,014 17,639 SH   SOLE   14,785 0 2,854
BWX Technologies Inc. COM 05605H100 7,253 134,661 SH   SOLE   131,465 0 3,196
Babcock & Wilcox Enterprises, COM 05614L209 800 98,090 SH   SOLE   98,090 0 0
Bank of America Corp. COM 060505104 2,735 66,361 SH   SOLE   66,361 0 0
Bank of America Corp. COM 060505104 74 1,800 SH   OTR   1,800 0 0
Becton, Dickinson & Co. COM 075887109 3,480 13,082 SH   SOLE   11,093 0 1,989
Bel Fuse, Inc. Cl B CL B 077347300 1,084 60,750 SH   SOLE   60,750 0 0
Berkshire Hathaway B CL B NEW 084670702 2,839 8,044 SH   SOLE   6,939 0 1,105
Blackrock Inc. COM 09247X101 2,702 3,536 SH   SOLE   3,406 0 130
Blackrock Inc. COM 09247X101 134 175 SH   OTR   175 0 0
Blackstone Inc. COM 09260D107 1,232 9,707 SH   SOLE   9,707 0 0
BorgWarner Inc. COM 099724106 380 9,760 SH   SOLE   9,760 0 0
Bristol Myers Squibb Co. COM 110122108 12,044 164,928 SH   SOLE   161,172 0 3,756
Bristol Myers Squibb Co. COM 110122108 104 1,420 SH   OTR   1,420 0 0
Broadcom Limited COM 11135F101 5,841 9,275 SH   SOLE   9,275 0 0
Broadcom Limited COM 11135F101 94 150 SH   OTR   150 0 0
Broadridge Financial Solutions COM 11133T103 680 4,370 SH   SOLE   4,370 0 0
Broadridge Financial Solutions COM 11133T103 86 550 SH   OTR   550 0 0
CASS Information Systems, Inc. COM 14808P109 668 18,100 SH   SOLE   18,100 0 0
CSX Corporation COM 126408103 427 11,406 SH   SOLE   11,406 0 0
CTO Realty Growth Inc. COM 22948Q101 1,079 16,274 SH   SOLE   16,274 0 0
CVS Health Corp. COM 126650100 4,173 41,229 SH   SOLE   41,229 0 0
CVS Health Corp. COM 126650100 71 700 SH   OTR   700 0 0
Capital One Finl Corp. COM 14040h105 529 4,033 SH   SOLE   1,000 0 3,033
Carrier Global Corp. COM 14448C104 1,122 24,451 SH   SOLE   20,753 0 3,698
Caterpillar, Inc. COM 149123101 3,231 14,503 SH   SOLE   11,883 0 2,620
Chesapeake Energy Corp. COM 165167735 6,932 79,683 SH   SOLE   77,582 0 2,101
Chevron Corp. COM 166764100 5,478 33,641 SH   SOLE   27,733 0 5,908
Cisco Systems COM 17275r102 5,866 105,213 SH   SOLE   96,098 0 9,115
Cisco Systems COM 17275r102 84 1,500 SH   OTR   1,500 0 0
Coca-Cola Company COM 191216100 474 7,648 SH   SOLE   5,648 0 2,000
CollPlant Biotechnologies Ltd. ADS M2R51X116 4,987 444,444 SH   SOLE   441,444 0 3,000
Comcast Corp Cl A CL A 20030N101 2,575 55,007 SH   SOLE   55,007 0 0
Communication Services Select COM 81369Y852 5,061 73,578 SH   SOLE   67,858 0 5,720
Conoco Phillips COM 20825c104 1,817 18,173 SH   SOLE   17,818 0 355
Consolidated Edison Co Of N.Y. COM 209115104 2,208 23,322 SH   SOLE   19,862 0 3,460
Consumer Discretionary Select COM 81369Y407 1,854 10,023 SH   SOLE   8,473 0 1,550
Corteva Inc. COM 22052L104 639 11,120 SH   SOLE   9,040 0 2,080
Costco Whsl Corp. New COM 22160k105 4,666 8,103 SH   SOLE   6,881 0 1,222
Credit Suisse Asst Mgm Com COM 224916106 53 17,440 SH   SOLE   17,440 0 0
Cross Country Healthcare Inc. COM 227483104 7,565 349,113 SH   SOLE   340,683 0 8,430
Danaher Corp. COM 235851102 4,762 16,233 SH   SOLE   13,603 0 2,630
Disney (Walt) Company COM 254687106 221 1,611 SH   SOLE   1,611 0 0
Disney (Walt) Company COM 254687106 41 300 SH   OTR   300 0 0
Dominion Energy, Inc. COM 25746u109 706 8,316 SH   SOLE   6,716 0 1,600
Dominion Energy, Inc. COM 25746u109 8 100 SH   OTR   0 0 100
Dow, Inc. COM 260557103 8,427 132,244 SH   SOLE   126,953 0 5,291
DuPont de Nemours, Inc. COM 26614N102 853 11,592 SH   SOLE   9,741 0 1,851
Duke Energy Corp. COM 26441C204 792 7,097 SH   SOLE   5,735 0 1,362
Duke Energy Corp. COM 26441C204 89 800 SH   OTR   700 0 100
EOG Resources Inc. COM 26875P101 4,235 35,523 SH   SOLE   35,523 0 0
Eaton Corp. PLC SHS G29183103 1,144 7,541 SH   SOLE   7,541 0 0
Eaton Corp. PLC SHS G29183103 68 450 SH   OTR   450 0 0
Emerson Elec Co COM 291011104 1,954 19,932 SH   SOLE   16,814 0 3,118
Energy Select Sector SPDR Fund COM 81369y506 4,928 64,470 SH   SOLE   61,770 0 2,700
Exxon Mobil Corp. COM 30231g102 3,734 45,210 SH   SOLE   37,880 0 7,330
Exxon Mobil Corp. COM 30231g102 8 100 SH   OTR   0 0 100
Fastenal Co. COM 311900104 227 3,822 SH   SOLE   3,822 0 0
Fedex Corp. COM 31428x106 1,010 4,363 SH   SOLE   4,363 0 0
Fedex Corp. COM 31428x106 93 400 SH   OTR   400 0 0
Fiserv Inc. Com COM 337738108 277 2,730 SH   SOLE   2,730 0 0
Freeport-McMoran, Inc. Cl B CL B 35671D857 348 7,000 SH   SOLE   7,000 0 0
Gentex Corp. COM 371901109 2,154 73,826 SH   SOLE   73,826 0 0
Genuine Parts COM 372460105 167 1,330 SH   SOLE   1,330 0 0
Genuine Parts COM 372460105 63 497 SH   OTR   497 0 0
Glaxo Smithkline PLC SPONSORED ADR 37733W105 273 6,265 SH   SOLE   6,265 0 0
Globalstar, Inc. SPONSORED ADR 378973408 118 80,000 SH   SOLE   80,000 0 0
Green Dot Corp CL A 39304D102 1,150 41,870 SH   SOLE   40,170 0 1,700
Hackett Group, Inc. COM 404609109 3,943 171,006 SH   SOLE   171,006 0 0
Hain Celestial Group, Inc. COM 405217100 1,274 37,035 SH   SOLE   37,035 0 0
Helios Technologies COM 42328H109 1,482 18,467 SH   SOLE   18,467 0 0
Hilton Hotels Corp. Com. COM 43300A203 5,031 33,156 SH   SOLE   31,716 0 1,440
Home Depot, Inc. COM 437076102 3,472 11,601 SH   SOLE   9,826 0 1,775
Hudson Technologies, Inc. COM 444144109 465 75,000 SH   SOLE   75,000 0 0
IShares Tr S&P Small-Cap 600 G S&P SML 600 GWT 464287887 3,395 27,140 SH   SOLE   26,966 0 174
Idexx Labs Inc. COM 45168D104 1,411 2,580 SH   SOLE   2,580 0 0
Intel Corporation COM 458140100 3,402 68,640 SH   SOLE   58,017 0 10,623
Intel Corporation COM 458140100 5 100 SH   OTR   0 0 100
International Business Machs. COM 459200101 4,203 32,330 SH   SOLE   29,221 0 3,109
International Business Machs. COM 459200101 76 585 SH   OTR   585 0 0
Intrepid Potash Inc. COM 46121Y201 17,223 209,675 SH   SOLE   206,248 0 3,427
Invesco QQQ Trust ETF UNIT SER 1 46090E103 11,909 32,850 SH   SOLE   32,850 0 0
Invesco S&P 500 Equal Weight E S&P 500 EQL WGT 46137V357 4,233 26,839 SH   SOLE   26,839 0 0
Ishares TR Russell 2000 ETF RUSSELL 2000 ETF 464287655 1,301 6,338 SH   SOLE   6,338 0 0
J. P. Morgan Chase COM 46625h100 7,263 53,276 SH   SOLE   46,481 0 6,795
Johnson & Johnson COM 478160104 3,827 21,591 SH   SOLE   17,772 0 3,819
KVH Industries Inc. COM 482738101 963 105,820 SH   SOLE   105,820 0 0
Kinder Morgan, Inc. COM 49456b101 1,621 85,705 SH   SOLE   83,405 0 2,300
Kroger Co. COM 501044101 2,281 39,761 SH   SOLE   33,846 0 5,915
Kroger Co. COM 501044101 138 2,400 SH   OTR   2,400 0 0
Laboratory Corp. of America Ho COM NEW 50540R409 237 900 SH   SOLE   900 0 0
LeMaitre Vascular, Inc. COM 525558201 905 19,475 SH   SOLE   19,475 0 0
Lennar Corp. Class A COM 526057104 1,207 14,871 SH   SOLE   14,871 0 0
Ligand Pharmaceuticals Inc. COM NEW 53220K504 4,190 37,246 SH   SOLE   36,874 0 372
Lilly Eli & Co COM 532457108 2,519 8,796 SH   SOLE   7,401 0 1,395
Lowes Cos Inc COM 548661107 2,472 12,225 SH   SOLE   11,225 0 1,000
Lowes Cos Inc COM 548661107 202 1,000 SH   OTR   1,000 0 0
Luna Innovations, Inc. COM 550351100 1,270 164,678 SH   SOLE   164,678 0 0
MDC Holdings Inc. COM 552676108 2,593 68,522 SH   SOLE   67,712 0 810
Magnite, Inc. COM 55955D100 4,106 310,844 SH   SOLE   302,454 0 8,390
Markel Corp COM 570535104 7,611 5,159 SH   SOLE   4,964 0 195
Mastercard Inc Cl A CL A 57636Q104 2,681 7,502 SH   SOLE   7,502 0 0
Mastercard Inc Cl A CL A 57636Q104 357 1,000 SH   OTR   1,000 0 0
McDonalds Corp COM 580135101 254 1,031 SH   SOLE   1,031 0 0
Medical Properties Trust Inc. COM 58463J304 652 30,850 SH   SOLE   30,850 0 0
Medical Properties Trust Inc. COM 58463J304 74 3,500 SH   OTR   3,500 0 0
Medtronic PLC SHS G5960L103 3,959 35,680 SH   SOLE   34,540 0 1,140
Merck & Co., Inc. COM 58933Y105 4,381 53,386 SH   SOLE   50,499 0 2,887
Merck & Co., Inc. COM 58933Y105 82 994 SH   OTR   994 0 0
Microchip Technology COM 595017104 4,028 53,608 SH   SOLE   53,608 0 0
Microchip Technology COM 595017104 210 2,800 SH   OTR   2,800 0 0
Microsoft Corp. COM 594918104 13,949 45,243 SH   SOLE   39,008 0 6,235
Mondelez International Inc. CL A 609207105 706 11,243 SH   SOLE   10,243 0 1,000
Mondelez International Inc. CL A 609207105 22 350 SH   OTR   350 0 0
NVIDIA Corporation COM 67066G104 473 1,735 SH   SOLE   1,735 0 0
Newmarket Corp. COM 651587107 247 760 SH   SOLE   760 0 0
Nexstar Media Group, Inc. CL A 65336K103 278 1,477 SH   SOLE   0 0 1,477
Norfolk Southern Corp. COM 655844108 3,792 13,296 SH   SOLE   10,571 0 2,725
Oaktree Specialty Lending Corp COM 67401P108 11,669 1,583,396 SH   SOLE   1,550,321 0 33,075
Oracle Systems Corporation COM 68389X105 1,637 19,785 SH   SOLE   19,785 0 0
Otis Worldwide Corporation COM 68902V107 1,041 13,531 SH   SOLE   11,387 0 2,144
PRA Group Inc. COM 69354N106 9,026 200,218 SH   SOLE   193,727 0 6,491
PayPal Holdings Inc. COM 70450Y103 6,059 52,391 SH   SOLE   51,011 0 1,380
Paychex, Inc. COM 704326107 536 3,930 SH   SOLE   3,930 0 0
Pepsico, Inc. COM 713448108 4,976 29,727 SH   SOLE   25,252 0 4,475
Pepsico, Inc. COM 713448108 100 600 SH   OTR   600 0 0
PerkinElmer, Inc. COM 714046109 593 3,401 SH   SOLE   3,401 0 0
Pfizer Inc. COM 717081103 3,476 67,151 SH   SOLE   56,859 0 10,292
Philip Morris International, I COM 718172109 453 4,827 SH   SOLE   4,827 0 0
Pioneer Nat. Res. Co. COM 723787107 2,022 8,087 SH   SOLE   8,087 0 0
Prestige Consumer Healthcare I COM 74112D101 1,252 23,652 SH   SOLE   23,652 0 0
ProShares Russell 2000 Div Gro RUSS 2000 DIVD 74347B698 3,020 46,753 SH   SOLE   46,753 0 0
ProShares S&P MidCap 400 Div A S&P MDCP 400 DIV 74347B680 13,095 181,192 SH   SOLE   176,892 0 4,300
Procter & Gamble Co. COM 742718109 4,549 29,769 SH   SOLE   24,674 0 5,095
Progressive Corp Ohio Com COM 743315103 1,281 11,238 SH   SOLE   11,238 0 0
Qualcomm, Inc. COM 747525103 4,575 29,936 SH   SOLE   29,936 0 0
Qualcomm, Inc. COM 747525103 27 175 SH   OTR   175 0 0
Quidel Corp. COM 74838J101 8,326 74,030 SH   SOLE   71,844 0 2,186
Raytheon Technologies Corporat COM 75513E101 1,846 18,633 SH   SOLE   18,633 0 0
Royal Bank of Canada COM 780087102 1,582 14,348 SH   SOLE   12,156 0 2,192
SPDR Dow Jones Industrial Aver UT SER 1 78467X109 11,613 33,483 SH   SOLE   33,400 0 83
SPDR Portfolio S&P 500 Growth PRTFLO S&P 500 GW 78464A409 1,892 28,569 SH   SOLE   28,569 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 348 770 SH   SOLE   212 0 558
Schlumberger Limited COM 806857108 3,611 87,404 SH   SOLE   82,474 0 4,930
Service Corp Intl COM 817565104 1,063 16,150 SH   SOLE   16,150 0 0
Shattuck Labs, Inc. COM 82024L103 1,418 332,656 SH   SOLE   332,656 0 0
Shell PLC Sponsored ADR SPON ADS 780259305 2,553 46,469 SH   SOLE   35,288 0 11,181
Shell PLC Sponsored ADR SPON ADS 780259305 5 100 SH   OTR   0 0 100
Southern Co. COM 842587107 497 6,859 SH   SOLE   4,859 0 2,000
Standard Motor Products, Inc. COM 853666105 949 22,000 SH   SOLE   22,000 0 0
Sysco Corp. COM 871829107 1,117 13,678 SH   SOLE   13,678 0 0
T. Rowe Price Group Inc. COM 74144T108 4,622 30,574 SH   SOLE   30,054 0 520
Texas Pacific Land Corporation COM 88262P102 411 304 SH   SOLE   304 0 0
The Kraft Heinz Company COM 500754106 442 11,220 SH   SOLE   11,220 0 0
The Kraft Heinz Company COM 500754106 13 333 SH   OTR   333 0 0
Thermo Fisher Scientific COM 883556102 6,007 10,171 SH   SOLE   8,450 0 1,721
Thryv Holdings, Inc. COM NEW 886029206 1,099 39,080 SH   SOLE   39,080 0 0
TotalEnergies SE Sponsored ADR SPONSORED ADS 89151E109 1,655 32,743 SH   SOLE   25,766 0 6,977
Travelers Co., Inc. COM 89417e109 1,455 7,965 SH   SOLE   6,708 0 1,257
Truist Financial Corporation COM 89832Q109 1,000 17,649 SH   SOLE   11,356 0 6,293
Truist Financial Corporation COM 89832Q109 116 2,050 SH   OTR   2,050 0 0
Tyson Foods Inc. CL A 902494103 3,421 38,169 SH   SOLE   38,169 0 0
U.S. Bancorp COM NEW 902973304 2,152 40,480 SH   SOLE   33,661 0 6,819
UDR Inc. COM 902653104 205 3,568 SH   SOLE   3,312 0 256
Ulta Salon, Cosmetics & Fragra COM 90384S303 1,477 3,710 SH   SOLE   3,710 0 0
Union Pacific Corp. COM 907818108 4,826 17,665 SH   SOLE   15,853 0 1,812
Union Pacific Corp. COM 907818108 54 196 SH   OTR   196 0 0
United Parcel Service, Inc. CL B 911312106 4,155 19,375 SH   SOLE   19,375 0 0
United Parcel Service, Inc. CL B 911312106 107 500 SH   OTR   500 0 0
United Rentals, Inc. COM 911363109 1,387 3,905 SH   SOLE   3,905 0 0
UnitedHealth Group, Inc. COM 91324P102 1,578 3,095 SH   SOLE   3,095 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 227 1,400 SH   SOLE   1,400 0 0
Vanguard Communications Servic COMM SRVC ETF 92204A884 4,381 36,493 SH   SOLE   36,293 0 200
Vanguard Index Fds Growth ETF GROWTH ETF 922908736 208 723 SH   SOLE   573 0 150
Vanguard Index Fds Mid Cap ETF MID CAP ETF 922908629 809 3,402 SH   SOLE   3,402 0 0
Vanguard Index Fds Total Stk M TOTAL STK MKT 922908769 261 1,148 SH   SOLE   1,021 0 127
Vanguard Information Technolog INF TECH ETF 92204A702 13,164 31,608 SH   SOLE   30,748 0 860
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 517 1,245 SH   SOLE   1,245 0 0
Verizon Communications COM 92343v104 1,531 30,052 SH   SOLE   25,477 0 4,575
Vicor Corporation COM 925815102 1,118 15,845 SH   SOLE   15,845 0 0
Virginia National Bankshares C COM 928031103 271 7,862 SH   SOLE   7,862 0 0
Visa Inc. COM 92826C839 5,199 23,444 SH   SOLE   19,959 0 3,485
Wal-Mart Stores COM 931142103 168 1,125 SH   SOLE   1,075 0 50
Wal-Mart Stores COM 931142103 89 600 SH   OTR   600 0 0
Walgreens Boots Alliance, Inc. COM 931427108 1,402 31,323 SH   SOLE   25,673 0 5,650
Waters Corp. COM 941848103 2,535 8,167 SH   SOLE   8,167 0 0
Wells Fargo & Co. COM 949746101 3,695 76,252 SH   SOLE   68,752 0 7,500
Wells Fargo & Co. COM 949746101 73 1,500 SH   OTR   1,400 0 100
White Mountains Group Bermuda COM G9618E107 206 181 SH   SOLE   181 0 0
World Fuel Services Corporatio COM 981475106 1,103 40,789 SH   SOLE   40,789 0 0
Zoetis, Inc. Class A CL A 98978V103 1,220 6,470 SH   SOLE   6,470 0 0
iShares Global Clean Energy ET GL CLEAN ENE ETF 464288224 602 27,954 SH   SOLE   27,954 0 0