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 2,635 23,851 SH   SOLE   21,623 0 2,228
AT&T Inc. COM 00206R102 1,092 71,163 SH   SOLE   61,337 0 9,826
AT&T Inc. COM 00206R102 6 396 SH   OTR   396 0 0
AbbVie Inc. COM 00287Y109 14,161 105,514 SH   SOLE   97,843 0 7,671
AbbVie Inc. COM 00287Y109 157 1,172 SH   OTR   1,122 0 50
Abbott Labs. COM 002824100 3,850 39,794 SH   SOLE   33,969 0 5,825
Abbott Labs. COM 002824100 27 275 SH   OTR   175 0 100
Adobe Systems COM 00724f101 1,189 4,321 SH   SOLE   4,321 0 0
Albemarle Corporation COM 012653101 635 2,400 SH   SOLE   2,400 0 0
Alexander & Baldwin COM 014491104 6,129 369,649 SH   SOLE   361,643 0 8,006
Allied Motion Technologies COM 019330109 6,546 228,702 SH   SOLE   221,423 0 7,279
Alphabet Inc. (A) COM 02079K305 1,974 20,640 SH   SOLE   16,655 0 3,985
Alphabet Inc. (C) COM 02079K107 1,061 11,040 SH   SOLE   10,040 0 1,000
Altria Group Inc. COM 02209S103 374 9,250 SH   SOLE   9,250 0 0
Amazon.com, Inc. COM 023135106 6,841 60,537 SH   SOLE   57,617 0 2,920
Amazon.com, Inc. COM 023135106 23 200 SH   OTR   200 0 0
American Elec Pwr Inc COM 025537101 1,474 17,060 SH   SOLE   17,060 0 0
American Express Co. COM 025816109 10,213 75,702 SH   SOLE   72,189 0 3,513
American Woodmark Corp. COM 030506109 3,418 77,937 SH   SOLE   76,137 0 1,800
Analog Devices Inc. COM 032654105 355 2,546 SH   SOLE   2,546 0 0
Apple, Inc. COM 037833100 9,246 66,902 SH   SOLE   60,782 0 6,120
Argan Inc. COM 04010E109 660 20,500 SH   SOLE   20,500 0 0
Atlantic Union Bankshares Corp COM 04911A107 8,447 278,043 SH   SOLE   270,893 0 7,150
Automatic Data Processing COM 053015103 3,948 17,454 SH   SOLE   14,620 0 2,834
BWX Technologies Inc. COM 05605H100 6,876 136,506 SH   SOLE   133,310 0 3,196
Babcock & Wilcox Enterprises, COM 05614L209 634 99,400 SH   SOLE   99,400 0 0
Bank of America Corp. COM 060505104 1,957 64,813 SH   SOLE   64,813 0 0
Bank of America Corp. COM 060505104 54 1,800 SH   OTR   1,800 0 0
Becton, Dickinson & Co. COM 075887109 2,919 13,100 SH   SOLE   11,126 0 1,974
Bel Fuse, Inc. Cl B CL B 077347300 1,560 61,800 SH   SOLE   61,800 0 0
Berkshire Hathaway B CL B NEW 084670702 2,210 8,275 SH   SOLE   7,170 0 1,105
Blackrock Inc. COM 09247X101 1,942 3,529 SH   SOLE   3,399 0 130
Blackrock Inc. COM 09247X101 96 175 SH   OTR   175 0 0
Blackstone Inc. COM 09260D107 5,508 65,803 SH   SOLE   64,493 0 1,310
BorgWarner Inc. COM 099724106 293 9,330 SH   SOLE   9,330 0 0
Bristol Myers Squibb Co. COM 110122108 11,540 162,318 SH   SOLE   158,862 0 3,456
Bristol Myers Squibb Co. COM 110122108 101 1,420 SH   OTR   1,420 0 0
Broadcom Limited COM 11135F101 4,108 9,251 SH   SOLE   9,251 0 0
Broadcom Limited COM 11135F101 67 150 SH   OTR   150 0 0
Broadridge Financial Solutions COM 11133T103 566 3,920 SH   SOLE   3,920 0 0
Broadridge Financial Solutions COM 11133T103 79 550 SH   OTR   550 0 0
CASS Information Systems, Inc. COM 14808P109 1,012 29,174 SH   SOLE   29,174 0 0
CSX Corporation COM 126408103 304 11,406 SH   SOLE   11,406 0 0
CTO Realty Growth Inc. COM 22948Q101 907 48,403 SH   SOLE   48,403 0 0
CVS Health Corp. COM 126650100 3,764 39,469 SH   SOLE   39,469 0 0
CVS Health Corp. COM 126650100 67 700 SH   OTR   700 0 0
Capital One Finl Corp. COM 14040h105 372 4,033 SH   SOLE   1,000 0 3,033
Carrier Global Corp. COM 14448C104 876 24,625 SH   SOLE   20,927 0 3,698
Caterpillar, Inc. COM 149123101 2,376 14,480 SH   SOLE   11,850 0 2,630
Chesapeake Energy Corp. COM 165167735 4,936 52,394 SH   SOLE   51,105 0 1,289
Chevron Corp. COM 166764100 4,736 32,959 SH   SOLE   27,146 0 5,813
Cisco Systems COM 17275r102 4,374 109,367 SH   SOLE   99,352 0 10,015
Cisco Systems COM 17275r102 60 1,500 SH   OTR   1,500 0 0
Coca-Cola Company COM 191216100 445 7,932 SH   SOLE   5,932 0 2,000
CollPlant Biotechnologies Ltd. ADS M2R51X116 2,744 403,573 SH   SOLE   400,573 0 3,000
Comcast Corp Cl A CL A 20030N101 1,584 53,996 SH   SOLE   53,996 0 0
Communication Services Select COM 81369Y852 3,471 72,470 SH   SOLE   66,505 0 5,965
Conoco Phillips COM 20825c104 1,846 18,039 SH   SOLE   17,684 0 355
Consolidated Edison Co Of N.Y. COM 209115104 1,970 22,968 SH   SOLE   19,508 0 3,460
Consumer Discretionary Select COM 81369Y407 1,548 10,868 SH   SOLE   9,143 0 1,725
Corteva Inc. COM 22052L104 624 10,911 SH   SOLE   8,831 0 2,080
Costco Whsl Corp. New COM 22160k105 3,973 8,412 SH   SOLE   7,190 0 1,222
Credit Suisse Asst Mgm Com COM 224916106 46 17,440 SH   SOLE   17,440 0 0
Cross Country Healthcare Inc. COM 227483104 9,633 339,553 SH   SOLE   331,123 0 8,430
Danaher Corp. COM 235851102 3,522 13,635 SH   SOLE   11,420 0 2,215
Dominion Energy, Inc. COM 25746u109 586 8,479 SH   SOLE   6,879 0 1,600
Dominion Energy, Inc. COM 25746u109 7 100 SH   OTR   0 0 100
Dow, Inc. COM 260557103 1,299 29,568 SH   SOLE   26,917 0 2,651
DuPont de Nemours, Inc. COM 26614N102 619 12,281 SH   SOLE   10,355 0 1,926
Duke Energy Corp. COM 26441C204 666 7,162 SH   SOLE   5,800 0 1,362
Duke Energy Corp. COM 26441C204 74 800 SH   OTR   700 0 100
EOG Resources Inc. COM 26875P101 3,688 33,007 SH   SOLE   33,007 0 0
Eaton Corp. PLC SHS G29183103 1,019 7,641 SH   SOLE   7,641 0 0
Eaton Corp. PLC SHS G29183103 60 450 SH   OTR   450 0 0
Elevance Health Inc. COM 036752103 270 594 SH   SOLE   594 0 0
Emerson Elec Co COM 291011104 1,442 19,689 SH   SOLE   16,571 0 3,118
Energy Select Sector SPDR Fund COM 81369y506 4,598 63,840 SH   SOLE   61,340 0 2,500
Exxon Mobil Corp. COM 30231g102 3,728 42,707 SH   SOLE   35,702 0 7,005
Exxon Mobil Corp. COM 30231g102 9 100 SH   OTR   0 0 100
Fedex Corp. COM 31428x106 449 3,026 SH   SOLE   3,026 0 0
Fedex Corp. COM 31428x106 59 400 SH   OTR   400 0 0
Fiserv Inc. Com COM 337738108 255 2,730 SH   SOLE   2,730 0 0
Gentex Corp. COM 371901109 1,683 70,590 SH   SOLE   70,590 0 0
Genuine Parts COM 372460105 211 1,417 SH   SOLE   1,417 0 0
Genuine Parts COM 372460105 74 497 SH   OTR   497 0 0
Globalstar, Inc. SPONSORED ADR 378973408 127 80,000 SH   SOLE   80,000 0 0
Hackett Group, Inc. COM 404609109 3,004 169,549 SH   SOLE   169,549 0 0
Hain Celestial Group, Inc. COM 405217100 598 35,405 SH   SOLE   35,405 0 0
Hanover Ins Group Inc COM 410867105 1,507 11,760 SH   SOLE   11,760 0 0
Helios Technologies COM 42328H109 932 18,427 SH   SOLE   18,427 0 0
Hilton Hotels Corp. Com. COM 43300A203 3,997 33,133 SH   SOLE   31,693 0 1,440
Home Depot, Inc. COM 437076102 3,278 11,881 SH   SOLE   10,081 0 1,800
Hudson Technologies, Inc. COM 444144109 551 75,000 SH   SOLE   75,000 0 0
IShares Tr S&P Small-Cap 600 G S&P SML 600 GWT 464287887 2,696 26,516 SH   SOLE   26,342 0 174
IShares Tr S&P Small-Cap 600 G S&P SML 600 GWT 464287887 1 10 SH   OTR   10 0 0
Idexx Labs Inc. COM 45168D104 588 1,806 SH   SOLE   1,806 0 0
Inogen, Inc. COM 45780L104 863 35,550 SH   SOLE   35,550 0 0
Intel Corporation COM 458140100 1,789 69,409 SH   SOLE   58,786 0 10,623
Intel Corporation COM 458140100 3 100 SH   OTR   0 0 100
International Business Machs. COM 459200101 4,255 35,815 SH   SOLE   32,591 0 3,224
International Business Machs. COM 459200101 70 585 SH   OTR   585 0 0
Intrepid Potash Inc. COM 46121Y201 8,078 204,143 SH   SOLE   200,716 0 3,427
Invesco QQQ Trust ETF UNIT SER 1 46090E103 7,230 27,054 SH   SOLE   27,054 0 0
Invesco QQQ Trust ETF UNIT SER 1 46090E103 2 7 SH   OTR   7 0 0
Invesco S&P 500 Equal Weight E S&P 500 EQL WGT 46137V357 3,115 24,472 SH   SOLE   24,472 0 0
Ishares TR Russell 2000 ETF RUSSELL 2000 ETF 464287655 273 1,653 SH   SOLE   1,653 0 0
Ishares Tr Nasdaq Bio Index ET ISHARES BIOTECH 464287556 291 2,490 SH   SOLE   2,490 0 0
J. P. Morgan Chase COM 46625h100 5,702 54,567 SH   SOLE   47,872 0 6,695
Johnson & Johnson COM 478160104 3,547 21,712 SH   SOLE   17,918 0 3,794
KVH Industries Inc. COM 482738101 402 43,597 SH   SOLE   43,597 0 0
Kinder Morgan, Inc. COM 49456b101 1,437 86,345 SH   SOLE   84,045 0 2,300
Kroger Co. COM 501044101 1,777 40,624 SH   SOLE   34,709 0 5,915
Kroger Co. COM 501044101 105 2,400 SH   OTR   2,400 0 0
LeMaitre Vascular, Inc. COM 525558201 984 19,420 SH   SOLE   19,420 0 0
Lennar Corp. Class A COM 526057104 1,093 14,656 SH   SOLE   14,656 0 0
Ligand Pharmaceuticals Inc. COM NEW 53220K504 2,469 28,674 SH   SOLE   28,674 0 0
Lilly Eli & Co COM 532457108 2,778 8,592 SH   SOLE   7,222 0 1,370
Lowes Cos Inc COM 548661107 2,239 11,920 SH   SOLE   10,920 0 1,000
Lowes Cos Inc COM 548661107 188 1,000 SH   OTR   1,000 0 0
Luna Innovations, Inc. COM 550351100 699 157,349 SH   SOLE   157,349 0 0
MDC Holdings Inc. COM 552676108 6,192 225,804 SH   SOLE   222,984 0 2,820
Markel Corp COM 570535104 5,592 5,158 SH   SOLE   4,963 0 195
Mastercard Inc Cl A CL A 57636Q104 2,058 7,239 SH   SOLE   7,239 0 0
Mastercard Inc Cl A CL A 57636Q104 284 1,000 SH   OTR   1,000 0 0
Medical Properties Trust Inc. COM 58463J304 361 30,450 SH   SOLE   30,450 0 0
Medical Properties Trust Inc. COM 58463J304 42 3,500 SH   OTR   3,500 0 0
Medtronic PLC SHS G5960L103 352 4,365 SH   SOLE   4,365 0 0
Merck & Co., Inc. COM 58933Y105 4,010 46,555 SH   SOLE   43,568 0 2,987
Merck & Co., Inc. COM 58933Y105 86 994 SH   OTR   994 0 0
Microchip Technology COM 595017104 3,265 53,498 SH   SOLE   53,498 0 0
Microchip Technology COM 595017104 171 2,800 SH   OTR   2,800 0 0
Microsoft Corp. COM 594918104 10,519 45,166 SH   SOLE   38,956 0 6,210
Mondelez International Inc. CL A 609207105 606 11,057 SH   SOLE   10,057 0 1,000
Mondelez International Inc. CL A 609207105 19 350 SH   OTR   350 0 0
NVIDIA Corporation COM 67066G104 259 2,130 SH   SOLE   2,130 0 0
Newmarket Corp. COM 651587107 229 760 SH   SOLE   760 0 0
Nexstar Media Group, Inc. CL A 65336K103 246 1,477 SH   SOLE   0 0 1,477
Norfolk Southern Corp. COM 655844108 1,766 8,422 SH   SOLE   6,582 0 1,840
Oaktree Specialty Lending Corp COM 67401P108 9,523 1,587,256 SH   SOLE   1,554,181 0 33,075
Oracle Systems Corporation COM 68389X105 1,101 18,021 SH   SOLE   18,021 0 0
Otis Worldwide Corporation COM 68902V107 869 13,619 SH   SOLE   11,475 0 2,144
PRA Group Inc. COM 69354N106 6,438 195,941 SH   SOLE   190,450 0 5,491
PayPal Holdings Inc. COM 70450Y103 765 8,889 SH   SOLE   8,889 0 0
Paychex, Inc. COM 704326107 445 3,965 SH   SOLE   3,965 0 0
Pepsico, Inc. COM 713448108 4,750 29,097 SH   SOLE   24,672 0 4,425
Pepsico, Inc. COM 713448108 98 600 SH   OTR   600 0 0
PerkinElmer, Inc. COM 714046109 378 3,141 SH   SOLE   3,141 0 0
Pfizer Inc. COM 717081103 2,952 67,447 SH   SOLE   57,155 0 10,292
Philip Morris International, I COM 718172109 401 4,827 SH   SOLE   4,827 0 0
Pioneer Nat. Res. Co. COM 723787107 1,742 8,047 SH   SOLE   8,047 0 0
Prestige Consumer Healthcare I COM 74112D101 1,172 23,517 SH   SOLE   23,517 0 0
ProShares Russell 2000 Div Gro RUSS 2000 DIVD 74347B698 2,405 43,333 SH   SOLE   43,333 0 0
ProShares S&P MidCap 400 Div A S&P MDCP 400 DIV 74347B680 11,579 179,717 SH   SOLE   176,417 0 3,300
ProShares S&P MidCap 400 Div A S&P MDCP 400 DIV 74347B680 1 16 SH   OTR   16 0 0
Procter & Gamble Co. COM 742718109 3,775 29,906 SH   SOLE   24,836 0 5,070
Progressive Corp Ohio Com COM 743315103 1,311 11,278 SH   SOLE   11,278 0 0
Qualcomm, Inc. COM 747525103 9,072 80,297 SH   SOLE   78,747 0 1,550
Qualcomm, Inc. COM 747525103 20 175 SH   OTR   175 0 0
Quidelortho Corp. COM 219798105 4,276 59,813 SH   SOLE   57,627 0 2,186
Raytheon Technologies Corporat COM 75513E101 1,532 18,708 SH   SOLE   18,708 0 0
Royal Bank of Canada COM 780087102 1,806 20,059 SH   SOLE   16,822 0 3,237
SLB COM 806857108 3,920 109,203 SH   SOLE   104,273 0 4,930
SPDR Dow Jones Industrial Aver UT SER 1 78467X109 11,308 39,360 SH   SOLE   39,360 0 0
SPDR Dow Jones Industrial Aver UT SER 1 78467X109 1 2 SH   OTR   2 0 0
SPDR Portfolio S&P 500 Growth PRTFLO S&P 500 GW 78464A409 1,281 25,571 SH   SOLE   25,571 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 4,041 11,314 SH   SOLE   10,756 0 558
SPDR S&P 500 ETF Trust TR UNIT 78462F103 16 44 SH   OTR   44 0 0
Semler Scientific, Inc. COM 81684M104 1,034 27,530 SH   SOLE   27,530 0 0
Service Corp Intl COM 817565104 924 16,000 SH   SOLE   16,000 0 0
Shattuck Labs, Inc. COM 82024L103 632 235,325 SH   SOLE   235,325 0 0
Shell PLC Sponsored ADR SPON ADS 780259305 2,309 46,413 SH   SOLE   35,232 0 11,181
Shell PLC Sponsored ADR SPON ADS 780259305 5 100 SH   OTR   0 0 100
Southern Co. COM 842587107 458 6,734 SH   SOLE   4,734 0 2,000
Standard Motor Products, Inc. COM 853666105 1,017 31,290 SH   SOLE   31,290 0 0
Sysco Corp. COM 871829107 1,164 16,468 SH   SOLE   16,468 0 0
Texas Pacific Land Corporation COM 88262P102 540 304 SH   SOLE   304 0 0
The Kraft Heinz Company COM 500754106 346 10,370 SH   SOLE   10,370 0 0
The Kraft Heinz Company COM 500754106 11 333 SH   OTR   333 0 0
Thermo Fisher Scientific COM 883556102 4,377 8,630 SH   SOLE   7,207 0 1,423
Thryv Holdings, Inc. COM NEW 886029206 3,956 173,279 SH   SOLE   169,379 0 3,900
Tidewater Inc. COM 88642R109 1,656 76,334 SH   SOLE   76,334 0 0
TotalEnergies SE Sponsored ADR SPONSORED ADS 89151E109 1,415 30,402 SH   SOLE   23,325 0 7,077
Travelers Co., Inc. COM 89417e109 1,227 8,007 SH   SOLE   6,750 0 1,257
Truist Financial Corporation COM 89832Q109 760 17,446 SH   SOLE   11,153 0 6,293
Truist Financial Corporation COM 89832Q109 89 2,050 SH   OTR   2,050 0 0
Tyson Foods Inc. CL A 902494103 1,194 18,105 SH   SOLE   18,105 0 0
U.S. Bancorp COM NEW 902973304 1,685 41,784 SH   SOLE   34,865 0 6,919
Ulta Salon, Cosmetics & Fragra COM 90384S303 1,481 3,692 SH   SOLE   3,692 0 0
Union Pacific Corp. COM 907818108 4,630 23,765 SH   SOLE   20,973 0 2,792
Union Pacific Corp. COM 907818108 38 196 SH   OTR   196 0 0
United Parcel Service, Inc. CL B 911312106 3,121 19,320 SH   SOLE   19,320 0 0
United Parcel Service, Inc. CL B 911312106 81 500 SH   OTR   500 0 0
United Rentals, Inc. COM 911363109 1,062 3,930 SH   SOLE   3,930 0 0
UnitedHealth Group, Inc. COM 91324P102 1,576 3,121 SH   SOLE   3,121 0 0
Vanguard Communications Servic COMM SRVC ETF 92204A884 2,918 35,430 SH   SOLE   35,230 0 200
Vanguard Index Fds Mid Cap ETF MID CAP ETF 922908629 636 3,385 SH   SOLE   3,385 0 0
Vanguard Information Technolog INF TECH ETF 92204A702 15,427 50,191 SH   SOLE   48,961 0 1,230
Verizon Communications COM 92343v104 1,203 31,676 SH   SOLE   27,001 0 4,675
Vicor Corporation COM 925815102 937 15,848 SH   SOLE   15,848 0 0
Virginia National Bankshares C COM 928031103 255 7,862 SH   SOLE   7,862 0 0
Visa Inc. COM 92826C839 4,274 24,058 SH   SOLE   20,573 0 3,485
Wal-Mart Stores COM 931142103 161 1,239 SH   SOLE   1,189 0 50
Wal-Mart Stores COM 931142103 78 600 SH   OTR   600 0 0
Walgreens Boots Alliance, Inc. COM 931427108 975 31,053 SH   SOLE   25,778 0 5,275
Waters Corp. COM 941848103 2,201 8,167 SH   SOLE   8,167 0 0
Wells Fargo & Co. COM 949746101 2,895 71,969 SH   SOLE   65,224 0 6,745
Wells Fargo & Co. COM 949746101 60 1,500 SH   OTR   1,400 0 100
White Mountains Group Bermuda COM G9618E107 236 181 SH   SOLE   181 0 0
World Fuel Services Corporatio COM 981475106 1,358 57,934 SH   SOLE   57,934 0 0
Zoetis, Inc. Class A CL A 98978V103 863 5,818 SH   SOLE   5,818 0 0
iShares Global Clean Energy ET GL CLEAN ENE ETF 464288224 534 27,954 SH   SOLE   27,954 0 0