UNITED STATES
	SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C.  20549
	FORM 13F
	FORM 13F COVER PAGE
	Report for the Calendar Year or Quarter Ended:	September 30, 2011
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:
Address:
	,
13F File Number :

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:
Title:
Phone:
Signature,Place, and Date Of Signing:
   September 30, 2011
Report Type (Check only one.):
[X]        13F HOLDINGS REPORT.
[  ]        13F NOTICE.
[  ]        13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.

	        FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:	0

Form 13F Information Table Entry Total:	59
Form 13F Information Table Value Total: 	$100,024,680
List of Other Managers: NONE



13 F Report Of Managed Assets
	As Of Date : 9/30/2011
	Market Value	SH/	Investment	Other	Voting Authority
Name Of Issuer	Type	Cusip	Shares/PV	PRN	Discretion	Mgrs	Sole	Shared	None
 	 	 	 	 	 	 	 	
AT&T INC	Equity	00206R102	3,928,373	137,741	SH	Sole	0	133,501	1,230	3,010
AT&T INC	Equity	00206R102	72,498	2,542	SH	Defined	0	1,991	0	551
ALTRIA GROUP INC	Equity	02209S103	399,549	14,903	SH	Sole	0	14,903	0	0
ALTRIA GROUP INC	Equity	02209S103	28,151	1,050	SH	Defined	0	1,050	0	0
AMERILITHIUM CORP	Equity	03077G106	1,875	10,000	SH	Sole	0	10,000	0	0
B B & T CORP	Equity	054937107	325,496	15,260	SH	Sole	0	14,660	0	600
B B & T CORP	Equity	054937107	136,875	6,417	SH	Defined	0	1,767	0	4,650
BAKER HUGHES INC	Equity	057224107	2,603,737	56,419	SH	Sole	0	55,119	200	1,100
BAKER HUGHES INC	Equity	057224107	36,920	800	SH	Defined	0	700	0	100
BAXTER INTL INC	Equity	071813109	2,323,803	41,393	SH	Sole	0	40,293	300	800
BAXTER INTL INC	Equity	071813109	39,298	700	SH	Defined	0	700	0	0
CHEVRON CORP	Equity	166764100	357,583	3,862	SH	Sole	0	3,862	0	0
CHEVRON CORP	Equity	166764100	58,332	630	SH	Defined	0	630	0	0
CISCO SYSTEMS	Equity	17275R102	1,429,565	92,230	SH	Sole	0	90,072	800	1,358
CISCO SYSTEMS	Equity	17275R102	18,600	1,200	SH	Defined	0	1,200	0	0
COCA-COLA CO	Equity	191216100	1,987,953	29,425	SH	Sole	0	28,825	0	600
COCA-COLA CO	Equity	191216100	40,536	600	SH	Defined	0	600	0	0
CONOCOPHILLIPS	Equity	20825C104	4,099,590	64,744	SH	Sole	0	63,062	532	1,150
CONOCOPHILLIPS	Equity	20825C104	56,988	900	SH	Defined	0	900	0	0
DOMINION RESOURCES INC VA NEW	Equity	25746U109	2,783,008	54,816	SH	Sole	0	53,418	0	1,398
DOMINION RESOURCES INC VA NEW	Equity	25746U109	88,848	1,750	SH	Defined	0	1,750	0	0
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	2,672,554	66,864	SH	Sole	0	64,864	400	1,600
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	87,934	2,200	SH	Defined	0	1,000	0	1,200
EATON CORP	Equity	278058102	523,625	14,750	SH	Sole	0	14,350	0	400

EMERSON ELECTRIC CO	Equity	291011104	262,979	6,366	SH	Sole	0	6,366	0	0
EXXON MOBIL CORPORATION	Equity	30231G102	4,570,461	62,928	SH	Sole	0	61,864	100	964
EXXON MOBIL CORPORATION	Equity	30231G102	275,994	3,800	SH	Defined	0	600	0	3,200
FINOVA GROUP INC	Equity	317928109	0	10,000	SH	Sole	0	10,000	0	0
FOREST LABORATORIES INC	Equity	345838106	440,297	14,300	SH	Sole	0	13,900	0	400
GENERAL ELECTRIC CO	Equity	369604103	2,466,264	162,041	SH	Sole	0	158,801	600	2,640
GENERAL ELECTRIC CO	Equity	369604103	178,135	11,704	SH	Defined	0	2,800	0	8,904
HEWLETT PACKARD CO.	Equity	428236103	1,419,918	63,248	SH	Sole	0	62,148	400	700
HEWLETT PACKARD CO.	Equity	428236103	22,450	1,000	SH	Defined	0	1,000	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	324,144	7,382	SH	Sole	0	7,382	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	17,564	400	SH	Defined	0	400	0	0
INTEL CORP	Equity	458140100	2,701,566	126,626	SH	Sole	0	124,626	200	1,800
INTEL CORP	Equity	458140100	37,230	1,745	SH	Defined	0	1,700	0	45
INTERNATIONAL BUSINESS 	Equity	459200101	1,173,203	6,709	SH	Sole	0	6,609	0	100
INTERNATIONAL BUSINESS 	Equity	459200101	34,974	200	SH	Defined	0	200	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	674,358	42,600	SH	Sole	0	42,600	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	15,830	1,000	SH	Defined	0	1,000	0	0
JOHNSON & JOHNSON	Equity	478160104	4,312,768	67,715	SH	Sole	0	65,965	500	1,250
JOHNSON & JOHNSON	Equity	478160104	50,952	800	SH	Defined	0	800	0	0
KIMBERLY CLARK CORP	Equity	494368103	754,410	10,624	SH	Sole	0	10,324	0	300
KIMBERLY CLARK CORP	Equity	494368103	7,101	100	SH	Defined	0	100	0	0
KRAFT FOODS INC-A	Equity	50075N104	275,356	8,200	SH	Sole	0	8,200	0	0
KRAFT FOODS INC-A	Equity	50075N104	24,379	726	SH	Defined	0	726	0	0
LOCKHEED MARTIN CORP	Equity	539830109	1,362,581	18,758	SH	Sole	0	18,358	150	250
LOCKHEED MARTIN CORP	Equity	539830109	14,528	200	SH	Defined	0	200	0	0
LOEWS CORP	Equity	540424108	1,466,613	42,449	SH	Sole	0	42,249	100	100
LOEWS CORP	Equity	540424108	24,185	700	SH	Defined	0	700	0	0
MARATHON OIL CORP	Equity	565849106	1,805,296	83,656	SH	Sole	0	82,056	500	1,100
MARATHON OIL CORP	Equity	565849106	19,422	900	SH	Defined	0	800	0	100
MARATHON PETROLEUM CORP	Equity	56585A102	915,900	33,847	SH	Sole	0	33,047	250	550
MARATHON PETROLEUM CORP	Equity	56585A102	12,177	450	SH	Defined	0	400	0	50
MEDTRONIC INC	Equity	585055106	202,764	6,100	SH	Sole	0	5,700	0	400
MERCK & CO INC NEW	Equity	58933Y105	875,281	26,767	SH	Sole	0	26,306	0	461
MERCK & CO INC NEW	Equity	58933Y105	39,240	1,200	SH	Defined	0	1,200	0	0
MICROSOFT CORP.	Equity	594918104	1,602,144	64,369	SH	Sole	0	63,428	200	741
MICROSOFT CORP.	Equity	594918104	27,379	1,100	SH	Defined	0	1,100	0	0
NEWS CORP - B	Equity	65248E203	1,544,384	98,999	SH	Sole	0	96,699	900	1,400
NEWS CORP - B	Equity	65248E203	23,400	1,500	SH	Defined	0	1,500	0	0
NEXTERA ENERGY INC	Equity	65339F101	2,148,970	39,781	SH	Sole	0	38,481	300	1,000
NEXTERA ENERGY INC	Equity	65339F101	48,618	900	SH	Defined	0	900	0	0
NORFOLK SOUTHERN CORP.	Equity	655844108	2,672,615	43,799	SH	Sole	0	42,935	300	564
NORFOLK SOUTHERN CORP.	Equity	655844108	112,887	1,850	SH	Defined	0	500	0	1,350
OLD POINT FINANCIAL 	Equity	680194107	5,248,154	512,015	SH	Sole	0	464,218	0	47,797
OLD POINT FINANCIAL 	Equity	680194107	207,070	20,202	SH	Defined	0	13,500	0	6,702

PPG INDUSTRIES, INC.	Equity	693506107	296,772	4,200	SH	Sole	0	4,200	0	0
PEPSICO INC	Equity	713448108	3,832,353	61,912	SH	Sole	0	60,312	400	1,200
PEPSICO INC	Equity	713448108	133,209	2,152	SH	Defined	0	800	0	1,352
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	1,101,163	62,283	SH	Sole	0	62,083	200	0
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	73,231	4,142	SH	Defined	0	1,892	0	2,250
PHILIP MORRIS INTERNATIONAL 	Equity	718172109	956,285	15,330	SH	Sole	0	14,730	0	600
PHILIP MORRIS INTERNATIONAL 	Equity	718172109	65,499	1,050	SH	Defined	0	1,050	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	201,318	5,800	SH	Sole	0	5,800	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	27,768	800	SH	Defined	0	800	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	783,428	16,400	SH	Sole	0	16,400	0	0
PROCTER & GAMBLE CO.	Equity	742718109	3,727,115	58,992	SH	Sole	0	57,292	300	1,400
PROCTER & GAMBLE CO.	Equity	742718109	160,856	2,546	SH	Defined	0	300	0	2,246
RAYTHEON COMPANY	Equity	755111507	2,625,693	64,245	SH	Sole	0	63,045	300	900
RAYTHEON COMPANY	Equity	755111507	32,696	800	SH	Defined	0	800	0	0
CHARLES SCHWAB CORP NEW	Equity	808513105	305,417	27,100	SH	Sole	0	26,300	0	800
SMITHFIELD FOODS, INC.	Equity	832248108	195,000	10,000	SH	Sole	0	10,000	0	0
SOUTHERN CO	Equity	842587107	1,513,202	35,714	SH	Sole	0	34,714	100	900
SOUTHERN CO	Equity	842587107	55,081	1,300	SH	Defined	0	1,300	0	0
SPECTRA ENERGY CORP	Equity	847560109	3,215,589	131,088	SH	Sole	0	128,288	700	2,100
SPECTRA ENERGY CORP	Equity	847560109	53,966	2,200	SH	Defined	0	1,400	0	800
SYSCO CORP	Equity	871829107	1,757,004	67,838	SH	Sole	0	66,238	500	1,100
SYSCO CORP	Equity	871829107	18,130	700	SH	Defined	0	700	0	0
TARGET CORP	Equity	87612E106	1,584,433	32,309	SH	Sole	0	31,409	300	600
TARGET CORP	Equity	87612E106	29,424	600	SH	Defined	0	600	0	0
3M CO	Equity	88579Y101	616,317	8,585	SH	Sole	0	8,585	0	0
3M CO	Equity	88579Y101	28,716	400	SH	Defined	0	400	0	0
UNITED TECHNOLOGIES	Equity	913017109	1,313,410	18,667	SH	Sole	0	18,667	0	0
UNITED TECHNOLOGIES	Equity	913017109	14,072	200	SH	Defined	0	200	0	0
VERIZON COMMUNICATIONS	Equity	92343V104	3,372,610	91,647	SH	Sole	0	89,407	800	1,440
VERIZON COMMUNICATIONS	Equity	92343V104	146,464	3,980	SH	Defined	0	2,200	0	1,780
WAL-MART STORES INC	Equity	931142103	294,169	5,668	SH	Sole	0	5,668	0	0
WALGREEN CO	Equity	931422109	1,613,287	49,051	SH	Sole	0	49,051	0	0
WALGREEN CO	Equity	931422109	19,734	600	SH	Defined	0	600	0	0
YUM! BRANDS INC	Equity	988498101	880,525	17,828	SH	Sole	0	17,828	0	0
YUM! BRANDS INC	Equity	988498101	19,756	400	SH	Defined	0	400	0	0
ACCENTURE PLC CL A	Equity	G1151C101	2,657,653	50,449	SH	Sole	0	49,749	0	700
ACCENTURE PLC CL A	Equity	G1151C101	42,144	800	SH	Defined	0	800	0	0
NOBLE CORPORATION COM	Equity	H5833N103	1,722,082	58,674	SH	Sole	0	57,124	300	1,250
NOBLE CORPORATION COM	Equity	H5833N103	23,480	800	SH	Defined	0	700	0	100