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 1,084 5,146 SH   SOLE   30 0 5,116
ABBVIE INC COM 00287Y109 1,408 14,888 SH   SOLE   350 0 14,538
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 240 1,409 SH   SOLE   837 0 572
ADOBE SYS INC COM 00724F101 429 1,589 SH   SOLE   0 0 1,589
AETNA INC NEW COM 00817Y108 244 1,205 SH   SOLE   130 0 1,075
AIR LEASE CORP CL A 00912X302 349 7,615 SH   SOLE   0 0 7,615
AIR PRODS & CHEMS INC COM 009158106 237 1,416 SH   SOLE   230 0 1,186
ALPHABET INC CAP STK CL C 02079K107 505 423 SH   SOLE   39 0 384
ALPHABET INC CAP STK CL A 02079K305 2,776 2,300 SH   SOLE   48 0 2,252
ALTRIA GROUP INC COM 02209S103 539 8,933 SH   SOLE   350 0 8,583
AMAZON COM INC COM 023135106 6,370 3,180 SH   SOLE   30 0 3,150
AMERICAN EXPRESS CO COM 025816109 403 3,786 SH   SOLE   1,510 0 2,276
AMERICAN WTR WKS CO INC NEW COM 030420103 273 3,105 SH   SOLE   0 0 3,105
AMGEN INC COM 031162100 425 2,051 SH   SOLE   35 0 2,016
ANDEAVOR COM 03349M105 313 2,038 SH   SOLE   0 0 2,038
ANTHEM INC COM 036752103 576 2,103 SH   SOLE   0 0 2,103
APPLE INC COM 037833100 5,616 24,877 SH   SOLE   913 0 23,964
APPLIED MATLS INC COM 038222105 285 7,374 SH   SOLE   0 0 7,374
AT&T INC COM 00206R102 458 13,631 SH   SOLE   3,108 0 10,523
AUTOMATIC DATA PROCESSING IN COM 053015103 394 2,618 SH   SOLE   509 0 2,109
BANK AMER CORP COM 060505104 675 22,899 SH   SOLE   941 0 21,958
BB&T CORP COM 054937107 410 8,449 SH   SOLE   0 0 8,449
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,153 5,385 SH   SOLE   50 0 5,335
BORGWARNER INC COM 099724106 375 8,776 SH   SOLE   0 0 8,776
BRISTOL MYERS SQUIBB CO COM 110122108 386 6,224 SH   SOLE   2,090 0 4,134
CAPITAL ONE FINL CORP COM 14040H105 655 6,900 SH   SOLE   0 0 6,900
CARNIVAL CORP UNIT 99/99/9999 143658300 341 5,346 SH   SOLE   0 0 5,346
CATERPILLAR INC DEL COM 149123101 780 5,115 SH   SOLE   105 0 5,010
CELGENE CORP COM 151020104 381 4,263 SH   SOLE   129 0 4,134
CHEVRON CORP NEW COM 166764100 602 4,921 SH   SOLE   382 0 4,539
CHUBB LIMITED COM H1467J104 277 2,073 SH   SOLE   0 0 2,073
CISCO SYS INC COM 17275R102 1,163 23,903 SH   SOLE   485 0 23,418
CITIGROUP INC COM NEW 172967424 359 5,005 SH   SOLE   0 0 5,005
CLOROX CO DEL COM 189054109 205 1,365 SH   SOLE   90 0 1,275
COCA COLA CO COM 191216100 450 9,735 SH   SOLE   819 0 8,916
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 246 3,195 SH   SOLE   0 0 3,195
COMCAST CORP NEW CL A 20030N101 710 20,044 SH   SOLE   1,120 0 18,924
COSTCO WHSL CORP NEW COM 22160K105 328 1,397 SH   SOLE   0 0 1,397
CSX CORP COM 126408103 395 5,330 SH   SOLE   0 0 5,330
CUMMINS INC COM 231021106 564 3,863 SH   SOLE   0 0 3,863
D R HORTON INC COM 23331A109 321 7,599 SH   SOLE   595 0 7,004
DANAHER CORP DEL COM 235851102 2,007 18,469 SH   SOLE   0 0 18,469
DISCOVER FINL SVCS COM 254709108 640 8,370 SH   SOLE   0 0 8,370
DISNEY WALT CO COM DISNEY 254687106 259 2,214 SH   SOLE   125 0 2,089
DOLLAR TREE INC COM 256746108 513 6,285 SH   SOLE   0 0 6,285
DOMINION ENERGY INC COM 25746U109 499 7,095 SH   SOLE   0 0 7,095
DOWDUPONT INC COM 26078J100 548 8,529 SH   SOLE   0 0 8,529
DREYFUS HIGH YIELD STRATEGIE SH BEN INT 26200S101 129 40,100 PRN   SOLE   0 0 40,100
DUKE ENERGY CORP NEW COM NEW 26441C204 975 12,190 SH   SOLE   0 0 12,190
EATON CORP PLC SHS G29183103 717 8,270 SH   SOLE   50 0 8,220
ENTERPRISE PRODS PARTNERS L COM 293792107 739 25,705 SH   SOLE   3,330 0 22,375
EOG RES INC COM 26875P101 407 3,192 SH   SOLE   0 0 3,192
EXXON MOBIL CORP COM 30231G102 1,944 22,865 SH   SOLE   2,195 0 20,670
FACEBOOK INC CL A 30303M102 1,718 10,444 SH   SOLE   60 0 10,384
FEDEX CORP COM 31428X106 659 2,738 SH   SOLE   70 0 2,668
FIDELITY NATL INFORMATION SV COM 31620M106 328 3,006 SH   SOLE   916 0 2,090
FLEXSHARES TR QUALT DIVD IDX 33939L860 221 4,660 SH   SOLE   0 0 4,660
FORTIVE CORP COM 34959J108 558 6,626 SH   SOLE   0 0 6,626
FULTON FINL CORP PA COM 360271100 361 21,711 SH   SOLE   0 0 21,711
GENERAL DYNAMICS CORP COM 369550108 203 993 SH   SOLE   0 0 993
GENERAL ELECTRIC CO COM 369604103 511 45,218 SH   SOLE   3,000 0 42,218
GENERAL MLS INC COM 370334104 248 5,768 SH   SOLE   0 0 5,768
GENERAL MTRS CO COM 37045V100 817 24,266 SH   SOLE   520 0 23,746
HOME DEPOT INC COM 437076102 1,879 9,073 SH   SOLE   462 0 8,611
HONEYWELL INTL INC COM 438516106 288 1,730 SH   SOLE   0 0 1,730
INTEL CORP COM 458140100 1,325 28,018 SH   SOLE   1,057 0 26,961
INTERNATIONAL BUSINESS MACHS COM 459200101 960 6,350 SH   SOLE   33 0 6,317
INTL PAPER CO COM 460146103 211 4,300 SH   SOLE   0 0 4,300
ISHARES TR SELECT DIVID ETF 464287168 1,008 10,104 SH   SOLE   369 0 9,735
ISHARES TR CORE S&P500 ETF 464287200 12,305 42,036 SH   SOLE   2,330 0 39,706
ISHARES TR MSCI EAFE ETF 464287465 232 3,419 SH   SOLE   1,165 0 2,254
ISHARES TR CORE S&P MCP ETF 464287507 43,666 216,933 SH   SOLE   9,804 0 207,129
ISHARES TR RUS 1000 VAL ETF 464287598 500 3,945 SH   SOLE   3,165 0 780
ISHARES TR RUSSELL 2000 ETF 464287655 3,202 18,995 SH   SOLE   1,678 0 17,317
ISHARES TR CORE S&P SCP ETF 464287804 13,038 149,444 SH   SOLE   9,342 0 140,103
ISHARES TR SH TR CRPORT ETF 464288646 244 4,710 SH   SOLE   0 0 4,710
ISHARES TR S&P US PFD STK 464288687 442 11,908 SH   SOLE   0 0 11,908
ISHARES TR MICRO-CAP ETF 464288869 324 3,052 SH   SOLE   109 0 2,943
JOHNSON & JOHNSON COM 478160104 1,700 12,301 SH   SOLE   541 0 11,760
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 3,646 72,693 SH   SOLE   3,055 0 69,638
JPMORGAN CHASE & CO COM 46625H100 2,495 22,109 SH   SOLE   553 0 21,556
KINDER MORGAN INC DEL COM 49456B101 563 31,739 SH   SOLE   1,286 0 30,453
KOHLS CORP COM 500255104 220 2,950 SH   SOLE   0 0 2,950
LABORATORY CORP AMER HLDGS COM NEW 50540R409 764 4,399 SH   SOLE   0 0 4,399
LILLY ELI & CO COM 532457108 209 1,950 SH   SOLE   100 0 1,850
LOWES COS INC COM 548661107 259 2,257 SH   SOLE   100 0 2,157
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 289 4,264 SH   SOLE   486 0 3,778
MARRIOTT INTL INC NEW CL A 571903202 496 3,753 SH   SOLE   0 0 3,753
MARTIN MARIETTA MATLS INC COM 573284106 318 1,745 SH   SOLE   70 0 1,675
MCCORMICK & CO INC COM VTG 579780107 1,470 11,232 SH   SOLE   0 0 11,232
MCDONALDS CORP COM 580135101 903 5,396 SH   SOLE   289 0 5,107
MEDTRONIC PLC SHS G5960L103 243 2,473 SH   SOLE   0 0 2,473
MERCK & CO INC COM 58933Y105 1,258 17,734 SH   SOLE   1,373 0 16,361
MICROCHIP TECHNOLOGY INC COM 595017104 657 8,320 SH   SOLE   0 0 8,320
MICROSOFT CORP COM 594918104 1,822 15,928 SH   SOLE   1,211 0 14,717
MONDELEZ INTL INC CL A 609207105 452 10,523 SH   SOLE   76 0 10,447
MORGAN STANLEY COM NEW 617446448 241 5,175 SH   SOLE   0 0 5,175
MOTOROLA SOLUTIONS INC COM NEW 620076307 215 1,650 SH   SOLE   0 0 1,650
NETFLIX INC COM 64110L106 501 1,340 SH   SOLE   25 0 1,315
NEXTERA ENERGY INC COM 65339F101 867 5,176 SH   SOLE   900 0 4,276
NORFOLK SOUTHERN CORP COM 655844108 1,467 8,128 SH   SOLE   1,000 0 7,128
NORTHROP GRUMMAN CORP COM 666807102 431 1,357 SH   SOLE   85 0 1,272
NUCOR CORP COM 670346105 228 3,600 SH   SOLE   0 0 3,600
ORACLE CORP COM 68389X105 232 4,509 SH   SOLE   0 0 4,509
PEPSICO INC COM 713448108 2,637 23,590 SH   SOLE   30 0 23,560
PFIZER INC COM 717081103 2,840 64,450 SH   SOLE   4,632 0 59,818
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 12,385 121,878 SH   SOLE   4,570 0 117,308
PNC FINL SVCS GROUP INC COM 693475105 367 2,695 SH   SOLE   0 0 2,695
PRICE T ROWE GROUP INC COM 74144T108 233 2,131 SH   SOLE   86 0 2,045
PROCTER AND GAMBLE CO COM 742718109 530 6,365 SH   SOLE   1,682 0 4,683
PROSHARES TR PSHS LC COR PLUS 74347R248 277 3,830 SH   SOLE   0 0 3,830
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 428 6,285 SH   SOLE   0 0 6,285
SANDY SPRING BANCORP INC COM 800363103 2,837 72,177 SH   SOLE   70,391 0 1,786
SCHWAB CHARLES CORP NEW COM 808513105 355 7,230 SH   SOLE   0 0 7,230
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 66,667 958,407 SH   SOLE   53,914 0 904,493
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,942 25,489 SH   SOLE   2,000 0 23,489
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 373 7,532 SH   SOLE   0 0 7,532
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 212 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 25,253 86,863 SH   SOLE   2,762 0 84,101
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 468 1,274 SH   SOLE   1,274 0 0
STRYKER CORP COM 863667101 513 2,890 SH   SOLE   0 0 2,890
THERMO FISHER SCIENTIFIC INC COM 883556102 205 839 SH   SOLE   0 0 839
TJX COS INC NEW COM 872540109 369 3,290 SH   SOLE   0 0 3,290
TOWNEBANK PORTSMOUTH VA COM 89214P109 249 8,060 SH   SOLE   0 0 8,060
TRAVELERS COMPANIES INC COM 89417E109 756 5,827 SH   SOLE   633 0 5,194
TREX CO INC COM 89531P105 440 5,718 SH   SOLE   0 0 5,718
TRI CONTL CORP COM 895436103 207 7,436 SH   SOLE   6,214 0 1,222
UNITED BANKSHARES INC WEST V COM 909907107 486 13,366 SH   SOLE   1,000 0 12,366
UNITED TECHNOLOGIES CORP COM 913017109 752 5,381 SH   SOLE   0 0 5,381
US BANCORP DEL COM NEW 902973304 598 11,331 SH   SOLE   732 0 10,599
VALERO ENERGY CORP NEW COM 91913Y100 1,295 11,387 SH   SOLE   0 0 11,387
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 482 6,177 SH   SOLE   0 0 6,177
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 29,932 112,084 SH   SOLE   5,368 0 106,716
VANGUARD INDEX FDS MID CAP ETF 922908629 6,800 41,413 SH   SOLE   3,000 0 38,413
VANGUARD INDEX FDS TOTAL STK MKT 922908769 560 3,741 SH   SOLE   0 0 3,741
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 875 21,342 SH   SOLE   1,570 0 19,772
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 333 4,261 SH   SOLE   0 0 4,261
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,405 78,690 SH   SOLE   4,730 0 73,960
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 266 3,060 SH   SOLE   1,898 0 1,162
VERIZON COMMUNICATIONS INC COM 92343V104 723 13,541 SH   SOLE   751 0 12,790
VISA INC COM CL A 92826C839 1,506 10,036 SH   SOLE   236 0 9,800
WALGREENS BOOTS ALLIANCE INC COM 931427108 241 3,307 SH   SOLE   2,007 0 1,300
WELLS FARGO CO NEW COM 949746101 351 6,674 SH   SOLE   138 0 6,536
WISDOMTREE TR US SMALLCAP DIVD 97717W604 219 7,380 SH   SOLE   0 0 7,380
YUM BRANDS INC COM 988498101 463 5,096 SH   SOLE   0 0 5,096
ZOETIS INC CL A 98978V103 214 2,340 SH   SOLE   440 0 1,900