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
AT&T INC Com 00206R102 5,017 142,684 SH   SOLE 0 139,574 700 2,410
AT&T INC Com 00206R102 137 3,910 SH   DFND 0 2,859 0 1,051
ALTRIA GROUP INC Com 02209S103 561 14,603 SH   SOLE 0 14,603 0 0
ALTRIA GROUP INC Com 02209S103 40 1,050 SH   DFND 0 1,050 0 0
AMERILITHIUM CORP Com 03077G106 0 10,000 SH   SOLE 0 10,000 0 0
AMGEN INC Com 031162100 2,698 23,650 SH   SOLE 0 23,650 0 0
AMGEN INC Com 031162100 46 400 SH   DFND 0 400 0 0
APPLE INC Com 037833100 261 466 SH   SOLE 0 466 0 0
APPLE INC Com 037833100 28 50 SH   DFND 0 50 0 0
B B & T CORP Com 054937107 626 16,764 SH   SOLE 0 16,764 0 0
B B & T CORP Com 054937107 266 7,117 SH   DFND 0 2,467 0 4,650
BAKER HUGHES INC Com 057224107 4,011 72,577 SH   SOLE 0 71,677 0 900
BAKER HUGHES INC Com 057224107 61 1,100 SH   DFND 0 1,000 0 100
BAXTER INTL INC Com 071813109 2,555 36,735 SH   SOLE 0 36,085 100 550
BAXTER INTL INC Com 071813109 42 600 SH   DFND 0 600 0 0
BERKSHIRE HATHAWAY INC DEL CL Com 084670108 712 4 SH   DFND 0 4 0 0
BLOCK H & R INC Com 093671105 436 15,000 SH   DFND 0 15,000 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 89 1,680 SH   SOLE 0 1,680 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 175 3,300 SH   DFND 0 2,600 0 700
CENTURYLINK INC Com 156700106 2,311 72,544 SH   SOLE 0 71,644 100 800
CENTURYLINK INC Com 156700106 40 1,250 SH   DFND 0 1,250 0 0
CHEVRON CORP Com 166764100 676 5,408 SH   SOLE 0 5,408 0 0
CHEVRON CORP Com 166764100 50 400 SH   DFND 0 400 0 0
CHIMERA INVESTMENT CORP Com 16934Q109 62 20,000 SH   SOLE 0 20,000 0 0
CISCO SYSTEMS Com 17275R102 2,762 123,118 SH   SOLE 0 121,660 300 1,158
CISCO SYSTEMS Com 17275R102 148 6,600 SH   DFND 0 6,600 0 0
COCA-COLA CO Com 191216100 2,848 68,952 SH   SOLE 0 67,852 0 1,100
COCA-COLA CO Com 191216100 66 1,600 SH   DFND 0 1,600 0 0
COLGATE PALMOLIVE CO. Com 194162103 52 800 SH   SOLE 0 800 0 0
COLGATE PALMOLIVE CO. Com 194162103 209 3,200 SH   DFND 0 0 0 3,200
CONOCOPHILLIPS Com 20825C104 4,929 69,762 SH   SOLE 0 68,730 232 800
CONOCOPHILLIPS Com 20825C104 85 1,200 SH   DFND 0 1,200 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 3,199 51,700 SH   SOLE 0 51,100 100 500
DEVON ENERGY CORPORATION NEW Com 25179M103 39 625 SH   DFND 0 625 0 0
DISNEY COM STOCK Com 254687106 214 2,804 SH   SOLE 0 2,804 0 0
DOMINION RESOURCES BLACK WARRI Com 25746Q108 56 10,000 SH   SOLE 0 10,000 0 0
DOMINION RESOURCES INC VA NEW Com 25746U109 3,059 47,282 SH   SOLE 0 46,084 0 1,198
DOMINION RESOURCES INC VA NEW Com 25746U109 546 8,436 SH   DFND 0 8,436 0 0
DUPONT E.I., DENEMOURS & CO. Com 263534109 3,572 54,977 SH   SOLE 0 53,977 100 900
DUPONT E.I., DENEMOURS & CO. Com 263534109 162 2,500 SH   DFND 0 800 0 1,700
DUKE ENERGY CORP NEW COM Com 26441C204 117 1,695 SH   SOLE 0 1,695 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 115 1,666 SH   DFND 0 1,666 0 0
EMERSON ELECTRIC CO Com 291011104 394 5,621 SH   SOLE 0 5,621 0 0
EXXON MOBIL CORPORATION Com 30231G102 5,762 56,934 SH   SOLE 0 56,170 100 664
EXXON MOBIL CORPORATION Com 30231G102 391 3,868 SH   DFND 0 668 0 3,200
GENERAL ELECTRIC CO Com 369604103 4,572 163,124 SH   SOLE 0 161,134 200 1,790
GENERAL ELECTRIC CO Com 369604103 479 17,104 SH   DFND 0 8,200 0 8,904
HEWLETT PACKARD CO. Com 428236103 1,475 52,728 SH   SOLE 0 51,628 0 1,100
HEWLETT PACKARD CO. Com 428236103 31 1,100 SH   DFND 0 1,100 0 0
HOME DEPOT INC. Com 437076102 465 5,650 SH   SOLE 0 5,650 0 0
HOME DEPOT INC. Com 437076102 82 1,000 SH   DFND 0 1,000 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 592 6,482 SH   SOLE 0 6,482 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 37 400 SH   DFND 0 400 0 0
INTEL CORP Com 458140100 3,938 151,728 SH   SOLE 0 150,228 200 1,300
INTEL CORP Com 458140100 79 3,045 SH   DFND 0 3,000 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 732 3,900 SH   SOLE 0 3,900 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 563 3,000 SH   DFND 0 3,000 0 0
ISHARES COMEX GOLD TRUST Com 464285105 1,026 87,800 SH   SOLE 0 86,200 0 1,600
ISHARES COMEX GOLD TRUST Com 464285105 23 2,000 SH   DFND 0 2,000 0 0
JOHNSON & JOHNSON Com 478160104 6,140 67,039 SH   SOLE 0 66,039 200 800
JOHNSON & JOHNSON Com 478160104 172 1,880 SH   DFND 0 1,880 0 0
KIMBERLY CLARK CORP Com 494368103 718 6,874 SH   SOLE 0 6,674 0 200
KIMBERLY CLARK CORP Com 494368103 10 100 SH   DFND 0 100 0 0
LOCKHEED MARTIN CORP Com 539830109 1,662 11,178 SH   SOLE 0 11,178 0 0
LOCKHEED MARTIN CORP Com 539830109 30 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 3,317 68,762 SH   SOLE 0 67,962 100 700
LOEWS CORP Com 540424108 43 900 SH   DFND 0 900 0 0
MARATHON OIL CORP Com 565849106 4,353 123,324 SH   SOLE 0 122,124 100 1,100
MARATHON OIL CORP Com 565849106 60 1,700 SH   DFND 0 1,600 0 100
MARATHON PETROLEUM CORP Com 56585A102 457 4,983 SH   SOLE 0 4,983 0 0
MARATHON PETROLEUM CORP Com 56585A102 5 50 SH   DFND 0 0 0 50
MEDICAL ACTION IND INC Com 58449L100 86 10,000 SH   SOLE 0 10,000 0 0
MERCK & CO INC NEW Com 58933Y105 813 16,236 SH   SOLE 0 15,775 0 461
MERCK & CO INC NEW Com 58933Y105 85 1,700 SH   DFND 0 1,700 0 0
MICROSOFT CORP. Com 594918104 1,556 41,586 SH   SOLE 0 40,930 200 456
MICROSOFT CORP. Com 594918104 108 2,900 SH   DFND 0 2,900 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 268 7,585 SH   SOLE 0 7,585 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 26 726 SH   DFND 0 726 0 0
NEXTERA ENERGY INC Com 65339F101 1,098 12,820 SH   SOLE 0 12,320 100 400
NEXTERA ENERGY INC Com 65339F101 43 500 SH   DFND 0 200 0 300
NIKE, INC. Com 654106103 315 4,000 SH   SOLE 0 4,000 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,880 41,797 SH   SOLE 0 41,233 0 564
NORFOLK SOUTHERN CORP. Com 655844108 265 2,850 SH   DFND 0 1,500 0 1,350
OLD POINT FINANCIAL CORPORATIO Com 680194107 5,781 450,947 SH   SOLE 0 404,950 0 45,997
OLD POINT FINANCIAL CORPORATIO Com 680194107 519 40,452 SH   DFND 0 33,650 0 6,802
ORACLE SYSTEMS CORP Com 68389X105 73 1,916 SH   SOLE 0 1,916 0 0
ORACLE SYSTEMS CORP Com 68389X105 134 3,500 SH   DFND 0 3,400 0 100
PPG INDUSTRIES, INC. Com 693506107 493 2,600 SH   SOLE 0 2,600 0 0
PEPSICO INC Com 713448108 5,240 63,175 SH   SOLE 0 62,175 100 900
PEPSICO INC Com 713448108 187 2,252 SH   DFND 0 900 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 1,864 60,847 SH   SOLE 0 60,647 200 0
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 182 5,942 SH   DFND 0 3,692 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,316 15,105 SH   SOLE 0 14,505 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 91 1,050 SH   DFND 0 1,050 0 0
PHILLIPS 66 Com 718546104 312 4,043 SH   SOLE 0 3,943 0 100
PHILLIPS 66 Com 718546104 15 200 SH   DFND 0 200 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 270 5,800 SH   SOLE 0 5,800 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 51 1,100 SH   DFND 0 800 0 300
T ROWE PRICE GROUP INC Com 74144T108 1,039 12,400 SH   SOLE 0 12,400 0 0
PROCTER & GAMBLE CO. Com 742718109 4,939 60,665 SH   SOLE 0 59,465 100 1,100
PROCTER & GAMBLE CO. Com 742718109 712 8,746 SH   DFND 0 6,500 0 2,246
RAYTHEON COMPANY Com 755111507 4,214 46,458 SH   SOLE 0 46,158 0 300
RAYTHEON COMPANY Com 755111507 75 824 SH   DFND 0 824 0 0
RITE AID CORP Com 767754104 51 10,000 SH   SOLE 0 10,000 0 0
SOUTHERN CO Com 842587107 1,213 29,514 SH   SOLE 0 29,114 100 300
SOUTHERN CO Com 842587107 53 1,300 SH   DFND 0 1,300 0 0
SPECTRA ENERGY CORP Com 847560109 5,326 149,522 SH   SOLE 0 147,722 200 1,600
SPECTRA ENERGY CORP Com 847560109 94 2,650 SH   DFND 0 1,850 0 800
STARBUCKS CORP Com 855244109 39 500 SH   SOLE 0 500 0 0
STARBUCKS CORP Com 855244109 251 3,200 SH   DFND 0 3,200 0 0
SUNTRUST BANKS INC Com 867914103 176 4,769 SH   SOLE 0 4,169 0 600
SUNTRUST BANKS INC Com 867914103 527 14,308 SH   DFND 0 14,012 0 296
SYSCO CORP Com 871829107 2,679 74,218 SH   SOLE 0 73,018 200 1,000
SYSCO CORP Com 871829107 42 1,150 SH   DFND 0 1,150 0 0
TARGET CORP Com 87612E106 1,854 29,309 SH   SOLE 0 28,659 0 650
TARGET CORP Com 87612E106 32 500 SH   DFND 0 500 0 0
3M CO Com 88579Y101 1,078 7,685 SH   SOLE 0 7,685 0 0
3M CO Com 88579Y101 56 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 115 7,473 SH   SOLE 0 7,473 0 0
TOWNEBANK Com 89214P109 889 57,796 SH   DFND 0 57,160 0 636
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 3,403 98,341 SH   SOLE 0 96,341 300 1,700
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 59 1,700 SH   DFND 0 1,700 0 0
UNITED TECHNOLOGIES Com 913017109 467 4,100 SH   SOLE 0 4,100 0 0
VERIZON COMMUNICATIONS Com 92343V104 4,484 91,253 SH   SOLE 0 89,813 500 940
VERIZON COMMUNICATIONS Com 92343V104 240 4,880 SH   DFND 0 3,100 0 1,780
WAL-MART STORES INC Com 931142103 362 4,597 SH   SOLE 0 4,597 0 0
WAL-MART STORES INC Com 931142103 79 1,000 SH   DFND 0 1,000 0 0
WALGREEN CO Com 931422109 3,179 55,343 SH   SOLE 0 55,143 0 200
WALGREEN CO Com 931422109 52 900 SH   DFND 0 900 0 0
WELLS FARGO & CO NEW Com 949746101 363 7,990 SH   SOLE 0 7,990 0 0
WELLS FARGO & CO NEW Com 949746101 147 3,229 SH   DFND 0 3,229 0 0
XEROX CORP Com 984121103 122 10,000 SH   SOLE 0 10,000 0 0
XINYUAN REAL ESTATE CO L-ADR Com 98417P105 54 10,000 SH   SOLE 0 10,000 0 0
YUM! BRANDS INC Com 988498101 1,792 23,703 SH   SOLE 0 23,403 0 300
ACCENTURE PLC CL A Com G1151C101 3,908 47,536 SH   SOLE 0 46,936 0 600
ACCENTURE PLC CL A Com G1151C101 49 600 SH   DFND 0 600 0 0
EATON CORP PLC Com G29183103 872 11,450 SH   SOLE 0 11,050 0 400
NOBLE CORP PLC Com G65431101 2,199 58,676 SH   SOLE 0 57,926 0 750
NOBLE CORP PLC Com G65431101 41 1,100 SH   DFND 0 1,000 0 100