13F-HR 1 bragg13f200609.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: September 30, 2006 Check here if Amendment [ ]; Amendment Number: This Amendment (Check only one.): [ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Bragg Financial Advisors, Inc Address: 100 Queens Road Charlotte, NC 28204 13F File Number: 28-11385 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Steven H. Scruggs Title: Chief Compliance Officer Phone: (704) 714-7711 Signature, Place, and Date of Signing: /s/ Steven H Scruggs Steven H. Scruggs Charlotte, NC November 13, 2006 Report Type (Check only one.): [ X ] 13F HOLDINGS REPORT. [ ] 13F NOTICE. [ ] 13F COMBINATION REPORT. List of Other Managers Reporting for this Manager: NONE FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form 13F Information Table Entry Total: 143 Form 13F Information Table Value Total: $140,123 (thousands) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional managers with respect to which this report is filed, other than the manager filing this report. NONE

~~Title Of~~ VALUE SHARES SHR PUT INV OTHER VOTING AUTHORITY Name of Issuer Title Of Class CUSIP (X $1,000)/PRN AMT/PRN/~~CALLDISCMGRS~~CALLDISC ~~SOLESHAREDNONE~~MGRS SOLE SHARED NONE Abbott Laboratories Com ~~2824100~~002824100 ~~1,022~~1238 ~~20,845SH~~25503SH SOLE ~~20,845~~145 25358 Air Products & Chems Com ~~9158106~~009158106 ~~699~~1047 ~~11,600SH~~15770SH SOLE ~~11,600~~15770 ~~Alcoa~~Albemarle ~~Inc~~Corp Com ~~13817101~~012653101 ~~240~~207 ~~9,181SH~~3810SH SOLE ~~9,181~~3625 185 Alltel Corp Com ~~20039103~~020039103 ~~859~~1052 ~~13,790SH~~18955SH SOLE ~~13,790~~1405 17550 American Express Com ~~25816109~~025816109 ~~1,647~~1619 ~~30,942SH~~28864SH SOLE ~~30,942~~28864 American Int'l Group Com ~~26874107~~026874107 ~~1,395~~1619 ~~24,014SH~~24438SH SOLE 401315 ~~23,974~~23123 Ameriprise Financial Com 031897101 269 5743SH SOLE 5743 Amgen Inc Com ~~31162100~~031162100 ~~1,262~~1775 ~~20,870SH~~24809SH SOLE ~~20,870~~165 24644 Apache Corp Com ~~37411105~~037411105 ~~690~~1004 ~~10,680SH~~15881SH SOLE 200 ~~10,480~~15681 Applied Materials Com ~~38222105~~038222105 ~~187~~446 ~~11,534SH~~25135SH SOLE ~~11,534~~380 24755 Archstone Smith Tr Com ~~39583109~~039583109 ~~335~~566 ~~8,665SH~~10401SH SOLE ~~8,665~~10401 Arden Group Inc A Com 039762109 217 1860SH SOLE 1775 85 Astrazeneca Plc Com ~~46353108~~046353108 ~~224~~228 ~~5,439SH~~3654SH SOLE ~~5,439~~3654 AT&T Inc Com 1311 40266SH SOLE 2834 37432 00206R102 Bank of America Com 06605F102 ~~2,509~~4104 ~~55,010SH~~76614SH SOLE ~~400~~1600 ~~54,610~~75014 BB&T Corp Com ~~54937107~~054937107 ~~1,801~~4124 ~~45,056SH~~94198SH SOLE ~~45,056~~94198 Becton Dickinson & Co Com ~~75887109~~075887109 ~~1,473~~2392 ~~28,069SH~~33844SH SOLE ~~28,069~~200 ~~Berkshire~~33644 ~~Hath~~Bellsouth ~~Inc~~Corp ~~Del~~Com Cl079860102 A251 ~~84670108~~5869SH ~~334 4SH~~ SOLE 45869 Berkshire Hath ~~Inc~~B ~~Del~~ Cl B ~~84670207~~084670207 ~~225~~292 ~~81SH~~92SH SOLE 8192 ~~Block~~Best HBuy &Company R Inc Com ~~93671105~~086516101 ~~222~~226 ~~3,800SH~~4221SH SOLE ~~3,800~~145 4076 Boeing Company Com ~~97023105~~097023105 ~~734~~828 ~~11,117SH~~10504SH SOLE 160 ~~10,957~~10344 Boston ~~Properties~~Pptys Inc Com Com 101121101 ~~744~~1368 ~~10,625SH~~13235SH SOLE ~~10,625~~85 13150 Bristol-Myers Squibb Com 110122108 ~~924~~1110 ~~37,008SH~~44543SH SOLE ~~37,008~~438 44105 Brown Forman Class B Cl B 115637209 ~~890~~1487 ~~14,725SH~~19400SH SOLE ~~330~~920 1418480 C. R. Bard,~~395~~ Inc. Com 067383109 1462 19490SH SOLE 19490 Caterpillar Inc Com 149123101 ~~1,282~~1706 ~~13,449SH~~25920SH SOLE ~~13,449~~25920 Cca Inds Inc Com Com 124867102 159 16514SH SOLE 15864 650 Centurytel Inc Com Com 156700106 448 11305SH SOLE 2600 8705 Chevrontexaco Corp Com 166764100 ~~2,201~~2819 ~~39,355SH~~43460SH SOLE ~~39,355~~292 43168 Cisco Systems Inc Com 17275R102 ~~1,277~~1808 ~~66,809SH~~78602SH SOLE ~~66,809~~670 77932 Citigroup Com 172967101 ~~1,694~~2032 ~~36,647SH~~40910SH SOLE ~~100~~1780 ~~36,547~~39130 ~~Coca-Cola~~Clorox ~~Company~~Co Com ~~191216100~~189054109 ~~792~~273 ~~18,978SH~~4335SH SOLE ~~18,978~~1100 ~~Colgate~~3235 Coca-~~Palmolive~~Cola CoCompany Com ~~194162103~~191216100 ~~659~~575 ~~13,195SH~~12870SH SOLE ~~13,195~~202 ~~Comcast~~12668 ~~Corp~~Colgate-Palmolive ClCom A194162103 ~~20030N101~~909 ~~206~~14642SH ~~6,701SH~~ SOLE ~~290~~58 ~~6,411~~14584 ~~Comm~~Communication ~~Intel Corp~~ Com 20338K106 53 ~~10,415SH~~10000SH SOLE ~~10,415~~10000 Conocophillips Com 20825C104 ~~1,869~~2108 ~~32,508SH~~35413SH SOLE ~~32,508~~200 35213 CVS Corp Com 126650100 ~~251~~253 ~~8,624SH~~7866SH SOLE ~~8,624~~7866 Danaher Corp Com 235851102 ~~454~~1060 ~~8,670SH~~15432SH SOLE ~~350~~1295 ~~8,320~~14137 Deere & Co Com 244199105 ~~383~~619 ~~5,849SH~~7374SH SOLE ~~5,849~~7374 Dell Inc. Com 24702R101 ~~1,690~~1004 ~~42,772SH~~43949SH SOLE ~~42,772~~3743 40206 Delta Apparel Inc Com 247368103 237 12160SH SOLE 10935 1225 Disney Walt Company Com 254687106 ~~680~~729 ~~26,996SH~~23580SH SOLE ~~26,996~~23580 Dominion Res Inc Com 257470104 401 5238SH SOLE 5238 Doral Financial Corp Com 25811P100 183 27700SH SOLE 27700 0 Dow Chem Co Com 260543103 356 9123SH SOLE 9123 Du Pont E I De ~~Nemours~~ Com 263534109 ~~1,271~~1052 ~~29,558SH~~24546SH SOLE ~~29,558~~185 24361 Duke Energy Corp Com 264399106 ~~692~~923 ~~23,276SH~~30550SH SOLE ~~200~~2400 ~~23,076~~28150 EMC Corp Com 268648102 ~~612~~988 ~~44,630SH~~82486SH SOLE ~~44,630~~10235 72251 Endurance Specialty Com G30397106 220 6235SH SOLE 6000 235 Exelon Corp Com Com 30161N101 ~~1,043~~1472 ~~20,310SH~~24310SH SOLE ~~700~~830 ~~19,610~~23480 Exxon Mobil Corp Com 30231G102 ~~3,220~~3831 ~~56,030SH~~57099SH SOLE ~~700~~1332 ~~55,330~~55767 Federated Department ~~Stores~~Com ~~Inc DECom~~ 31410H101 ~~1,663~~1869 ~~22,692SH~~43264SH SOLE 90180 ~~22,602~~43084 Fedex Corp Com Com 31428X106 ~~1,231~~1610 ~~15,190SH~~14810SH SOLE ~~15,190~~14810 Fifth Third Bancorp Com 316773100 ~~375~~381 ~~9,100SH~~10000SH SOLE ~~850~~1825 ~~8,250~~8175 First Charter Corp Com 319439105 ~~406~~392 ~~18,498SH~~16311SH SOLE ~~18,498~~16311 First Data Corp Com 319963104 ~~716~~971 ~~17,836SH~~23116SH SOLE ~~17,836~~110 ~~Fed~~23006 ~~Nat~~First ~~Mortgage~~Trust Bk Com ~~313586109~~33732N105 ~~960~~1129 ~~16,446SH~~42587SH SOLE ~~160~~42587 ~~16,286~~Flower Inds Inc Com 343496105 250 9317SH SOLE 9317 Gannett Company Inc Com 364730101 ~~477~~257 ~~6,701SH~~4520SH SOLE ~~420~~495 ~~6,281~~4025 General Electric Co Com 369604103 ~~1,936~~2032 ~~55,871SH~~57574SH SOLE ~~55,871~~296 ~~Gillette~~57278 ~~Company~~Golden West Finl Com ~~375766102~~381317106 ~~1,476~~338 ~~29,143SH~~4380SH SOLE ~~29,143~~100 ~~Hershey~~4280 ~~Foods~~Grainger ~~Corp~~Ww Inc Com ~~427866108~~384802104 ~~204~~420 ~~3,279SH~~6270SH SOLE ~~3,279~~775 5495 Harley-Davidson Inc Com 412822108 329 5249SH SOLE 90 5159 Hewlett-Packard Ca Com 428236103 ~~803~~1766 ~~34,157SH~~48130SH SOLE ~~1000~~2858 ~~33,157~~45272 Home Depot Inc Com 437076102 ~~1,348~~1431 ~~34,654SH~~39463SH SOLE ~~34,654~~276 39187.17 Horace Mann Educators Com 440327104 223 11580SH SOLE 10700 880 IBM Com 459200101 ~~1,337~~1623 ~~18,017SH~~19804SH SOLE ~~18,017~~100 19704 Ingersoll Rand Co Com 456866102 1126 29659SH SOLE 2260 27399 Intel Corp Com 458140100 ~~1,683~~1598 ~~64,586SH~~77698SH SOLE ~~64,586~~3765 73933 Intergraph Corp Com 458683109 281 6560SH SOLE 6200 360 Ishares DJ Telecomm DJ US ~~TELECOM464287713~~TELECOM ~~267~~464287713 ~~11,400SH~~309 11160SH SOLE ~~11,400~~11160 ~~Jefferson~~ITT ~~Pilot~~Industries ~~Corp~~Inc Com ~~475070108~~450911102 ~~201~~202 ~~3,980SH~~3948SH SOLE ~~3,980~~200 3748 Johnson & Johnson Com 478160104 ~~2,316~~2619 ~~35,625SH~~40323SH SOLE ~~500~~2054 ~~35,125~~38269 K Swiss Inc Cl A Com 482686102 226 7515SH SOLE 7000 515 Kimco Realty Corp Com 49446R109 ~~936~~1571 ~~15,890SH~~36655SH SOLE ~~15,890~~320 36335 Kinder Morgan Inc Com 49455P101 527 5025SH SOLE 5025 Lancaster Colony Com 513847103 256 5717SH SOLE 5257 460 Legg Mason Inc Com 524901105 ~~610~~840 ~~5,860SH~~8325SH SOLE ~~5,860~~1080 7245 Lexmark Intl Group Com 529771107 335 5815SH SOLE 655 5160 Lincoln Natl Corp Com 534187109 570 9180SH SOLE 9180 Liz Claiborne Com 539320101 509 12871SH SOLE 1060 11811 Lowes Cos Inc Com 548661107 ~~1,108~~1125 ~~19,035SH~~40110SH SOLE ~~19,035~~384 39726 Marsh & McLennan Com 571748102 ~~259~~477 ~~9,340SH~~16960SH SOLE ~~800~~2780 ~~8,540~~14180 Masco Corp Com 574599106 ~~864~~699 ~~27,193SH~~25483SH SOLE ~~27,193~~320 25163 Maxim Integrated Com 57772K101 230 8210SH SOLE 125 8085 McDonald's Corp Com 580135101 ~~1,448~~2257 ~~52,172SH~~57682SH SOLE ~~1325~~2135 ~~50,847~~55547 Mcgraw Hill Com 580645109 210 3623SH SOLE 3623 Medtronic Inc Com 585055106 ~~1,393~~1239 ~~26,890SH~~26678SH SOLE ~~26,890~~1674 25004 Merck & Co Inc Com 589331107 ~~1,106~~1904 ~~35,925SH~~45448SH SOLE ~~820~~2739 ~~35,105~~42709 Merrill Lynch & Co Com 590188108 ~~1,296~~2131 ~~23,551SH~~27246SH SOLE ~~23,551~~140 27106 Metlife Inc Com Com 59156R108 ~~1,339~~2035 ~~29,789SH~~35909SH SOLE 102300 ~~29,779~~33609 Microsoft Corp Com 594918104 ~~1,699~~2074 ~~68,382SH~~75877SH SOLE ~~1035~~432 ~~67,347~~75445 Minnesota Mining & Com 604059105 1456 19566SH SOLE 122 19444 Morgan Stanley Dean Com 617446448 ~~886~~1207 ~~16,885SH~~16551SH SOLE ~~145~~945 ~~16,740~~15606 Motorola Inc Com 620076109 ~~365~~473 ~~20,000SH~~18910SH SOLE ~~20,000~~1000 17910 New Jersey Res Corp Com 646025106 243 4920SH SOLE 4480 440 News Corp Ltd Spons Com 652487802 1083 55109SH SOLE 750 54359 Nucor Corp Com 670346105 320 6464SH SOLE 6464 Oracle Corp Com 68389X105 ~~984~~1645 ~~74,555SH~~92706SH SOLE ~~74,555~~731 91975 Packeteer Inc Com 695210104 165 19137SH SOLE 19137 0 Pepsico Inc Com 713448108 492 7546SH SOLE 140 7406 Pfizer Inc Com 717081103 ~~1,429~~1755 ~~51,802SH~~61877SH SOLE ~~51,802~~4379 57498 Phoenix Cos Inc Com 71902E109 183 13040SH SOLE 12500 540 Piedmont Nat Gas Inc Com 720186105 393 15531SH SOLE 7300 8231 Price T Rowe Group ~~Inc~~IncCom ~~Com~~ 74144T108 ~~1,018~~2019 ~~16,260SH~~42185SH SOLE ~~550~~3240 ~~15,710~~38945 Procter & Gamble Co Com 742718109 ~~1,648~~4007 ~~31,250SH~~64643SH SOLE ~~31,250~~375 64268 Progress Energy Inc Com 743263105 284 6264SH SOLE 1700 4564 Progressive Corp Of Com 743315103 435 17743SH SOLE 3140 14603 Raymond James Finl Com 754730109 720 24607SH SOLE 475 24132 Regions Finl Corp Com 7591EP100 ~~445~~390 ~~13,120SH~~10597SH SOLE ~~13,120~~10597 Royal Bk Cda ~~Montreal~~Com ~~Que~~780087102 539 12136SH SOLE 12136 Ruddick Corp Com ~~780087102~~781258108 ~~263~~210 ~~4,239SH~~8060SH SOLE ~~4,239~~8060 S&P Midcap ~~Spider~~400 ~~Trust~~Dep Unit Ser 1 595635103 ~~483~~495 ~~3,855SH~~3594SH SOLE ~~3,855~~3593.75 Safeway Com New 786514208 ~~504~~779 ~~22,320SH~~25675SH SOLE ~~22,320~~335 ~~Sara~~25340 ~~Lee~~Schering-Plough Corp Com ~~803111103~~806605101 ~~473~~608 ~~23,883SH~~27520SH SOLE ~~23,883~~285 ~~SBC~~27235 ~~Communications~~Schlumberger Com ~~78387G103~~806857108 ~~829~~542 ~~34,923SH~~8742SH SOLE ~~34,923~~8742 ~~Schering-Plough~~Secure ~~Corp~~Computing Com ~~806605101~~813705100 ~~335~~69 ~~17,580SH~~11000SH SOLE ~~17,580~~11000 ~~Schlumberger~~0 Simon Ppty Group Com ~~806857108~~828806109 ~~350~~266 ~~4,606SH~~2940SH SOLE ~~4,606~~745 ~~South~~2195 ~~Street~~Six ~~Fin~~Flags ~~Corp~~Inc Com ~~840468102~~83001P109 ~~133~~78 ~~14,200SH~~15000SH SOLE ~~14,200~~15000 0 Smithfield Foods Inc Com 832248108 219 8121SH SOLE 7626 495 Southern Co Com 842587107 ~~1,559~~1703 ~~44,959SH~~49428SH SOLE ~~1065~~2135 ~~43,894~~47293 Stryker Corp Com 863667101 ~~490~~684 ~~10,305SH~~13795SH SOLE ~~10,305~~110 13685 Sun Microsystems Inc Com 866810104 ~~135~~95 ~~36,070SH~~19088SH SOLE ~~36,070~~19088 Syngenta Ag Com 87160A100 438 14529SH SOLE 14529 Sysco Corp Com 871829107 ~~333~~471 ~~9,210SH~~14085SH SOLE ~~9,210~~14085 Target Corp Com ~~951~~87612E106 ~~17,478SH~~1251 22643SH SOLE ~~17,478~~100 ~~87612E106~~22543 Texas Instruments Com 882508104 ~~610~~1180 ~~21,738SH~~35489SH SOLE ~~21,738~~300 35189 Time Warner Hldgs Com 887315109 787 43190SH SOLE 5589 37601 Tjx Companies Inc Com 872540109 ~~319~~621 ~~13,119SH~~22154SH SOLE ~~1400~~260 ~~11,719~~21894 United Parcel Svc Com 911312106 ~~374~~482 ~~5,409SH~~6694SH SOLE ~~5,409~~130 6564 United Technologies Com 913017109 ~~1,563~~2208 ~~30,441SH~~34848SH SOLE ~~600~~752 ~~29,841~~34096 Unitedhealth Group Com 91324P102 ~~469~~651 ~~8,995SH~~13230SH SOLE ~~8,995~~135 ~~Verizon~~13095 ~~Comm~~US Bancorp Del Com ~~92343V104~~902973304 ~~968~~232 ~~28,006SH~~6995SH SOLE ~~28,006~~400 ~~Viacom~~6595 ~~Inc~~Uwharrie ClCap BCorp ~~925524308~~Com ~~671~~918183104 ~~20,950SH~~87 14888SH SOLE ~~980~~14888 ~~19,970~~Valero Energy Com 91913Y100 357 6935SH SOLE 315 6620 Verizon Com 92343V104 1014 27315SH SOLE 170 27145 Vornado Rlty Tr Sh Ben Int 929042109 ~~1,318~~2049 ~~16,390SH~~18800SH SOLE ~~16,390~~125 18675 Vulcan Materials Co Com 929160109 ~~459~~820 ~~7,055SH~~10475SH SOLE ~~7,055~~180 10295 Wachovia Corp Com 929771103 3055 54747SH SOLE 225 54522 Wal Mart Stores Inc Com 931142103 ~~1,620~~1440 ~~33,605SH~~29195SH SOLE ~~33,605~~191 29004 Walgreen Stores Com 931422109 ~~752~~835 ~~16,358SH~~18820SH SOLE ~~16,358~~100 18720 Wells Fargo & Co Com 949746101 ~~1,190~~1559 ~~19,332SH~~43092SH SOLE ~~235~~370 ~~19,097~~42722 Windstream Com 250 18942SH SOLE 1451 17491 97381W104

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