Stearns Financial Services 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
VANGUARD FTSE ALL-WORLD EX-US	Equities	922042775	48,056	989,820	SH		SOLE		0	0	989,820
VANGUARD DIVIDEND APPRECIATION ETF	Equities	921908844	30,027	382,118	SH		SOLE		0	0	382,118
VANGUARD GROWTH INDEX FUND	Equities	922908736	29,935	279,632	SH		SOLE		0	0	279,632
VANGUARD INFORMATION TECHNOLOGY INDEX FUND	Equities	92204A702	17,996	169,408	SH		SOLE		0	0	169,408
SPDR S&P 500 ETF	Equities	78462F103	16,910	82,147	SH		SOLE		0	0	82,147
SCHWAB U.S. BROAD MARKET ETF	Equities	808524102	16,835	335,153	SH		SOLE		0	0	335,153
VANGUARD TOTAL BOND MARKET ETF	Equities	921937835	13,828	170,171	SH		SOLE		0	0	170,171
ISHARES RUSSELL 2000 INDEX	Equities	464287655	11,185	89,583	SH		SOLE		0	0	89,583
ISHARES RUSSELL MID-CAP GROWTH ETF	Equities	464287481	8,994	92,865	SH		SOLE		0	0	92,865
HEALTH CARE SELECT SECTOR SPDR	Equities	81369Y209	7,855	105,591	SH		SOLE		0	0	105,591
VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Equities	921946406	7,521	111,721	SH		SOLE		0	0	111,721
ENERGY SELECT SECTOR SPDR FUND	Equities	81369Y506	6,378	84,856	SH		SOLE		0	0	84,856
JOHNSON & JOHNSON COM	Equities	478160104	5,334	54,730	SH		SOLE		0	0	54,730
GENERAL ELECTRIC	Equities	369604103	4,449	167,451	SH		SOLE		0	0	167,451
BERKSHIRE HATHAWAY INC DEL CL B	Equities	084670702	4,364	32,065	SH		SOLE		0	0	32,065
SCHWAB INTERNATIONAL EQUITY ETF	Equities	808524805	4,093	134,324	SH		SOLE		0	0	134,324
MICROSOFT	Equities	594918104	3,981	90,163	SH		SOLE		0	0	90,163
FINANCIAL SELECT SECTOR SPDR	Equities	81369Y605	3,578	146,755	SH		SOLE		0	0	146,755
EXXON MOBIL CORP COM	Equities	30231G102	3,247	39,026	SH		SOLE		0	0	39,026
PEPSICO INC COM	Equities	713448108	3,098	33,193	SH		SOLE		0	0	33,193
APPLE INC	Equities	037833100	2,821	22,495	SH		SOLE		0	0	22,495
INTEL CORP	Equities	458140100	2,810	92,386	SH		SOLE		0	0	92,386
UNITED TECHNOLOGIES CORP COM	Equities	913017109	2,660	23,976	SH		SOLE		0	0	23,976
CHEVRON CORP NEW COM	Equities	166764100	2,477	25,673	SH		SOLE		0	0	25,673
3M CO COM	Equities	88579Y101	2,437	15,796	SH		SOLE		0	0	15,796
SYSCO CORP COM	Equities	871829107	2,387	66,128	SH		SOLE		0	0	66,128
LOWES COS INC COM	Equities	548661107	2,330	34,798	SH		SOLE		0	0	34,798
CONOCOPHILLIPS COM	Equities	20825C104	2,144	34,908	SH		SOLE		0	0	34,908
PROCTER & GAMBLE CO COM	Equities	742718109	2,118	27,071	SH		SOLE		0	0	27,071
PFIZER INC COM	Equities	717081103	1,984	59,184	SH		SOLE		0	0	59,184
BB&T CORP COM	Equities	054937107	1,887	46,811	SH		SOLE		0	0	46,811
CISCO SYS INC	Equities	17275R102	1,826	66,509	SH		SOLE		0	0	66,509
INTL BUSINESS MACHINES	Equities	459200101	1,814	11,151	SH		SOLE		0	0	11,151
ABBOTT LABS COM	Equities	002824100	1,763	35,919	SH		SOLE		0	0	35,919
STRYKER CORP	Equities	863667101	1,681	17,584	SH		SOLE		0	0	17,584
VERIZON COMMUNICATIONS	Equities	92343V104	1,606	34,457	SH		SOLE		0	0	34,457
ISHARES MSCI EAFE ETF	Equities	464287465	1,564	24,638	SH		SOLE		0	0	24,638
SCHWAB U.S. LARGE-CAP GROWTH ETF	Equities	808524300	1,456	27,138	SH		SOLE		0	0	27,138
SCHWAB U.S. LARGE-CAP VALUE ETF	Equities	808524409	1,437	33,396	SH		SOLE		0	0	33,396
WELLS FARGO & CO NEW COM	Equities	949746101	1,353	24,053	SH		SOLE		0	0	24,053
ISHARES GLOBAL HEALTHCARE ETF	Equities	464287325	1,333	12,260	SH		SOLE		0	0	12,260
ABBVIE INC COM	Equities	00287Y109	1,303	19,396	SH		SOLE		0	0	19,396
UNITED PARCEL SERVICE INC	Equities	911312106	1,265	13,056	SH		SOLE		0	0	13,056
AT&T INC COM	Equities	00206R102	1,191	33,542	SH		SOLE		0	0	33,542
CVS CORP	Equities	126650100	1,147	10,937	SH		SOLE		0	0	10,937
COCA COLA CO COM	Equities	191216100	1,104	28,129	SH		SOLE		0	0	28,129
TEXAS INSTRS INC COM	Equities	882508104	1,095	21,262	SH		SOLE		0	0	21,262
MCDONALDS CORP COM	Equities	580135101	1,086	11,420	SH		SOLE		0	0	11,420
AUTOMATIC DATA PROCESSING INC COM	Equities	053015103	1,049	13,071	SH		SOLE		0	0	13,071
TARGET CORP COM	Equities	87612E106	998	12,226	SH		SOLE		0	0	12,226
HOME DEPOT INC	Equities	437076102	964	8,678	SH		SOLE		0	0	8,678
NOVARTIS AG ADR	Equities	66987V109	954	9,697	SH		SOLE		0	0	9,697
JPMORGAN CHASE & CO	Equities	46625H100	951	14,040	SH		SOLE		0	0	14,040
SCHLUMBERGER LTD COM	Equities	806857108	908	10,538	SH		SOLE		0	0	10,538
ISHARES GLOBAL 100 ETF	Equities	464287572	901	11,974	SH		SOLE		0	0	11,974
WALGREENS BOOTS ALLIANCE INC COM	Equities	931427108	864	10,231	SH		SOLE		0	0	10,231
PAYCHEX INC	Equities	704326107	861	18,367	SH		SOLE		0	0	18,367
POWERSHARES QQQ TR	Equities	73935A104	853	7,964	SH		SOLE		0	0	7,964
ISHARES AGGREGATE BOND ETF	Equities	464287226	840	7,723	SH		SOLE		0	0	7,723
PHILIP MORRIS INTL INC	Equities	718172109	824	10,280	SH		SOLE		0	0	10,280
SCHWAB U.S. SMALL-CAP ETF	Equities	808524607	820	14,261	SH		SOLE		0	0	14,261
BANK AMER CORP COM	Equities	060505104	813	47,739	SH		SOLE		0	0	47,739
VANGUARD TOTAL STOCK MARKET INDEX ETF	Equities	922908769	796	7,438	SH		SOLE		0	0	7,438
ORACLE CORPORATION	Equities	68389X105	724	17,954	SH		SOLE		0	0	17,954
GOOGLE INC	Equities	38259P508	720	1,333	SH		SOLE		0	0	1,333
VANGUARD SMALL-CAP INDEX FUND	Equities	922908751	712	5,860	SH		SOLE		0	0	5,860
ISHARES S&P 500 INDEX	Equities	464287200	712	3,434	SH		SOLE		0	0	3,434
MEDTRONIC PLC SHS	Equities	G5960L103	705	9,510	SH		SOLE		0	0	9,510
AMGEN INC	Equities	031162100	687	4,473	SH		SOLE		0	0	4,473
SCHWAB US DIVIDEND EQUITY ETF	Equities	808524797	666	17,397	SH		SOLE		0	0	17,397
MERCK & CO INC	Equities	58933Y105	659	11,570	SH		SOLE		0	0	11,570
ILLINOIS TOOL WKS INC COM	Equities	452308109	599	6,521	SH		SOLE		0	0	6,521
BOEING CO	Equities	097023105	597	4,304	SH		SOLE		0	0	4,304
DUKE ENERGY CORP NEW COM NEW	Equities	26441C204	569	8,051	SH		SOLE		0	0	8,051
ALTRIA GROUP INC COM	Equities	02209S103	568	11,621	SH		SOLE		0	0	11,621
KIMBERLY CLARK CORP COM	Equities	494368103	536	5,060	SH		SOLE		0	0	5,060
BRISTOL MYERS SQUIBB	Equities	110122108	533	8,014	SH		SOLE		0	0	8,014
WAL MART	Equities	931142103	512	7,224	SH		SOLE		0	0	7,224
UNITEDHEALTH GROUP	Equities	91324P102	504	4,135	SH		SOLE		0	0	4,135
SUNTRUST BKS INC COM	Equities	867914103	484	11,248	SH		SOLE		0	0	11,248
SPDR GOLD ETF	Equities	78463V107	463	4,124	SH		SOLE		0	0	4,124
GOOGLE INC CL C	Equities	38259P706	441	847	SH		SOLE		0	0	847
KRAFT FOODS GROUP	Equities	50076Q106	417	4,902	SH		SOLE		0	0	4,902
BERKSHIRE HATHAWAY INC DEL CL A	Equities	084670108	410	2	SH		SOLE		0	0	2
VANGUARD S&P 500 ETF	Equities	922908363	384	2,032	SH		SOLE		0	0	2,032
CHUBB CORP COM	Equities	171232101	377	3,958	SH		SOLE		0	0	3,958
EMERSON ELEC CO COM	Equities	291011104	370	6,676	SH		SOLE		0	0	6,676
COLGATE PALMOLIVE CO COM	Equities	194162103	352	5,384	SH		SOLE		0	0	5,384
NIKE INC CL B	Equities	654106103	338	3,132	SH		SOLE		0	0	3,132
BEMIS INC COM	Equities	081437105	338	7,500	SH		SOLE		0	0	7,500
VISA INC	Equities	92826C839	319	4,753	SH		SOLE		0	0	4,753
NORTHERN TR CORP COM	Equities	665859104	305	3,991	SH		SOLE		0	0	3,991
ISHARES DJ SELECT DIVIDEND	Equities	464287168	302	4,023	SH		SOLE		0	0	4,023
BROWN FORMAN CORP CL B	Equities	115637209	301	3,000	SH		SOLE		0	0	3,000
LILLY ELI & CO COM	Equities	532457108	284	3,402	SH		SOLE		0	0	3,402
ISHARES RUSSELL 1000 GROWTH ETF	Equities	464287614	278	2,803	SH		SOLE		0	0	2,803
QUALCOMM INC	Equities	747525103	269	4,303	SH		SOLE		0	0	4,303
KINDER MORGAN INC DEL COM	Equities	49456B101	267	6,954	SH		SOLE		0	0	6,954
DOMINION RES INC VA NEW COM	Equities	25746U109	255	3,815	SH		SOLE		0	0	3,815
MONDELEZ INTL INC COM	Equities	609207105	252	6,115	SH		SOLE		0	0	6,115
ISHARES 1-3 YEAR CREDIT BOND ETF	Equities	464288646	240	2,280	SH		SOLE		0	0	2,280
CATERPILLAR INC	Equities	149123101	232	2,740	SH		SOLE		0	0	2,740
SKYWORKS SOLUTIONS INC COM	Equities	83088M102	229	2,200	SH		SOLE		0	0	2,200
DISNEY WALT CO	Equities	254687106	224	1,964	SH		SOLE		0	0	1,964
LINCOLN NATL CORP IND COM	Equities	534187109	216	3,651	SH		SOLE		0	0	3,651
CLOROX CO DEL COM	Equities	189054109	206	1,978	SH		SOLE		0	0	1,978
TOTAL S A	Equities	89151E109	204	4,142	SH		SOLE		0	0	4,142
GENERAL MLS INC COM	Equities	370334104	203	3,640	SH		SOLE		0	0	3,640