Arbor Investment Advisors 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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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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
3M Company	COM	88579Y101	1,043	6,685	SH		SOLE		0	0	6,685
Allstate Corporation	COM	020002101	334	3,440	SH		SOLE		0	0	3,440
Alphabet Inc. Cl A	COM	02079K305	445	314	SH		SOLE		0	0	314
Alphabet Inc. Cl C	COM	02079K107	530	375	SH		SOLE		0	0	375
Apple Inc.	COM	037833100	5,216	14,299	SH		SOLE		0	0	14,299
AT&T Inc.	COM	00206R102	320	10,570	SH		SOLE		0	0	10,570
BancorpSouth Inc.	COM	05971J102	1,287	56,597	SH		SOLE		0	0	56,597
Bank of America Corp.	COM	060505104	370	15,569	SH		SOLE		0	0	15,569
Berkshire Hathaway Inc.	COM	084670702	887	4,971	SH		SOLE		0	0	4,971
Boeing Co.	COM	097023105	209	1,139	SH		SOLE		0	0	1,139
British American Tobacco PLC	ADR	110448107	226	5,816	SH		SOLE		0	0	5,816
Cisco Systems Inc.	COM	17275R102	446	9,556	SH		SOLE		0	0	9,556
Coca-Cola Co.	COM	191216100	511	11,435	SH		SOLE		0	0	11,435
Duke Energy Corp.	COM	26441C204	879	11,005	SH		SOLE		0	0	11,005
Eli Lilly & Co.	COM	532457108	313	1,909	SH		SOLE		0	0	1,909
Enbridge Inc.	COM	29250N105	232	7,630	SH		SOLE		0	0	7,630
Exxon Mobil Corp.	COM	30231G102	414	9,264	SH		SOLE		0	0	9,264
Facebook Inc.	COM	30303M102	915	4,028	SH		SOLE		0	0	4,028
Global Payments Inc.	COM	37940X102	398	2,345	SH		SOLE		0	0	2,345
Halozyme Therapeutics Inc.	COM	40637H109	481	17,950	SH		SOLE		0	0	17,950
Home Depot Inc.	COM	437076102	532	2,123	SH		SOLE		0	0	2,123
IBM Corp.	COM	459200101	400	3,309	SH		SOLE		0	0	3,309
Intel Corp.	COM	458140100	743	12,423	SH		SOLE		0	0	12,423
Invesco FTSE RAFI US 1000 ETF	COM	46137V613	42,833	395,468	SH		SOLE		0	0	395,468
Invesco FTSE RAFI US 1500 Small-Mid ETF	COM	46137V597	14,756	132,094	SH		SOLE		0	0	132,094
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	21,594	210,898	SH		SOLE		0	0	210,898
iShares Cohen & Steers REIT ETF	COM	464287564	270	2,673	SH		SOLE		0	0	2,673
iShares Core Growth Allocation ETF	COM	464289867	435	9,381	SH		SOLE		0	0	9,381
iShares Core MSCI EAFE ETF	COM	46432F842	2,087	36,506	SH		SOLE		0	0	36,506
iShares Core S&P 500 ETF	COM	464287200	865	2,792	SH		SOLE		0	0	2,792
iShares Core U.S. Aggregate Bond ETF	COM	464287226	772	6,535	SH		SOLE		0	0	6,535
iShares Gold Trust ETF	COM	464285105	267	15,737	SH		SOLE		0	0	15,737
iShares MSCI EAFE ETF	COM	464287465	33,227	545,865	SH		SOLE		0	0	545,865
iShares MSCI Emerging Markets ETF	COM	464287234	11,916	297,962	SH		SOLE		0	0	297,962
iShares MSCI KLD 400 Social ETF	COM	464288570	1,103	9,350	SH		SOLE		0	0	9,350
iShares National Muni Bond ETF	COM	464288414	440	3,815	SH		SOLE		0	0	3,815
iShares Russell 1000 ETF	COM	464287622	62,062	361,500	SH		SOLE		0	0	361,500
iShares Russell 1000 Growth ETF	COM	464287614	6,150	32,039	SH		SOLE		0	0	32,039
iShares Russell 1000 Value ETF	COM	464287598	4,035	35,831	SH		SOLE		0	0	35,831
iShares Russell 2000 ETF	COM	464287655	7,596	53,049	SH		SOLE		0	0	53,049
iShares Russell 2000 Growth ETF	COM	464287648	280	1,353	SH		SOLE		0	0	1,353
iShares Russell Mid-Cap ETF	COM	464287499	220	4,098	SH		SOLE		0	0	4,098
iShares Russell Mid-Cap Value ETF	COM	464287473	207	2,704	SH		SOLE		0	0	2,704
iShares S&P 500 Growth ETF	COM	464287309	576	2,774	SH		SOLE		0	0	2,774
iShares Select Dividend ETF	COM	464287168	266	3,294	SH		SOLE		0	0	3,294
iShares Treasury Floating Rate Bond ETF	COM	46434V860	20,491	407,407	SH		SOLE		0	0	407,407
iShares U.S. Financial Services ETF	COM	464287770	203	1,700	SH		SOLE		0	0	1,700
Johnson & Johnson Inc.	COM	478160104	667	4,744	SH		SOLE		0	0	4,744
JPMorgan Chase & Co.	COM	46625H100	433	4,607	SH		SOLE		0	0	4,607
JPMorgan Ultra-Short Income ETF	COM	46641Q837	4,515	89,010	SH		SOLE		0	0	89,010
Lockheed Martin Corp.	COM	539830109	1,019	2,792	SH		SOLE		0	0	2,792
Lowes Companies Inc.	COM	548661107	3,622	26,804	SH		SOLE		0	0	26,804
McDonalds Corporation	COM	580135101	945	5,125	SH		SOLE		0	0	5,125
Merck & Co. Inc.	COM	58933Y105	234	3,031	SH		SOLE		0	0	3,031
Microsoft Corp.	COM	594918104	2,212	10,867	SH		SOLE		0	0	10,867
ONEOK Inc.	COM	682680103	332	10,000	SH		SOLE		0	0	10,000
Park National Corp.	COM	700658107	288	4,092	SH		SOLE		0	0	4,092
PepsiCo Inc.	COM	713448108	640	4,841	SH		SOLE		0	0	4,841
PIMCO 1-5 Year U.S. TIPS Index ETF	COM	72201R205	672	12,631	SH		SOLE		0	0	12,631
PIMCO Enhanced Short Maturity Active ETF	COM	72201R833	10,826	106,465	SH		SOLE		0	0	106,465
Procter & Gamble Co.	COM	742718109	708	5,921	SH		SOLE		0	0	5,921
Public Service Enterprise Group Inc.	COM	744573106	295	6,000	SH		SOLE		0	0	6,000
Sonoco Products Co.	COM	835495102	371	7,102	SH		SOLE		0	0	7,102
South State Corporation	COM	840441109	268	5,630	SH		SOLE		0	0	5,630
SPDR S&P 500 ETF	COM	78462F103	321	1,040	SH		SOLE		0	0	1,040
Target Corp.	COM	87612E106	255	2,130	SH		SOLE		0	0	2,130
TowneBank	COM	89214P109	336	17,821	SH		SOLE		0	0	17,821
Truist Financial Corp.	COM	89832Q109	2,880	76,705	SH		SOLE		0	0	76,705
Vanguard FTSE Developed Markets ETF	COM	921943858	38,541	993,581	SH		SOLE		0	0	993,581
Vanguard FTSE Emerging Markets ETF	COM	922042858	18,312	462,300	SH		SOLE		0	0	462,300
Vanguard Russell 1000 ETF	COM	92206C730	2,427	17,098	SH		SOLE		0	0	17,098
Vanguard Russell 2000 ETF	COM	92206C664	409	3,544	SH		SOLE		0	0	3,544
Vanguard Russell 3000 ETF	COM	92206C599	446	3,190	SH		SOLE		0	0	3,190
Vanguard Short-Term Bond ETF	COM	921937827	9,840	118,380	SH		SOLE		0	0	118,380
Vanguard Total Bond Market ETF	COM	921937835	1,493	16,906	SH		SOLE		0	0	16,906
Vanguard Total Stock Market ETF	COM	922908769	2,323	14,838	SH		SOLE		0	0	14,838
Vanguard Total World Stock Index ETF	COM	922042742	4,840	64,705	SH		SOLE		0	0	64,705
Wal-Mart Stores Inc.	COM	931142103	473	3,950	SH		SOLE		0	0	3,950
Wells Fargo & Co.	COM	949746101	329	12,847	SH		SOLE		0	0	12,847
Williams Companies Inc.	COM	969457100	190	10,001	SH		SOLE		0	0	10,001
Worthington Industries	COM	981811102	1,419	38,042	SH		SOLE		0	0	38,042
YUM Brands Inc.	COM	988498101	229	2,640	SH		SOLE		0	0	2,640