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 4,711 144,606 SH   SOLE 0 141,396 700 2,510
AT&T INC Com 00206R102 160 4,910 SH   DFND 0 1,859 0 3,051
ALTRIA GROUP INC Com 02209S103 881 16,203 SH   SOLE 0 16,203 0 0
ALTRIA GROUP INC Com 02209S103 57 1,050 SH   DFND 0 1,050 0 0
AMGEN INC Com 031162100 3,161 22,850 SH   SOLE 0 22,850 0 0
AMGEN INC Com 031162100 41 300 SH   DFND 0 300 0 0
APPLE INC Com 037833100 279 2,529 SH   SOLE 0 2,529 0 0
APPLE INC Com 037833100 39 350 SH   DFND 0 350 0 0
B B & T CORP Com 054937107 839 23,564 SH   SOLE 0 23,564 0 0
B B & T CORP Com 054937107 253 7,117 SH   DFND 0 1,767 0 5,350
BAKER HUGHES INC Com 057224107 3,445 66,190 SH   SOLE 0 65,390 0 800
BAKER HUGHES INC Com 057224107 52 1,000 SH   DFND 0 1,000 0 0
BANK OF AMERICA CORP Com 060505104 593 38,046 SH   SOLE 0 38,046 0 0
BANK OF AMERICA CORP Com 060505104 16 1,008 SH   DFND 0 0 0 1,008
BAXALTA INC Com 07177M103 1,457 46,237 SH   SOLE 0 45,487 100 650
BAXALTA INC Com 07177M103 32 1,000 SH   DFND 0 800 0 200
BAXTER INTL INC Com 071813109 1,736 52,837 SH   SOLE 0 52,087 100 650
BAXTER INTL INC Com 071813109 33 1,000 SH   DFND 0 800 0 200
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 170 1,300 SH   SOLE 0 1,300 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 78 600 SH   DFND 0 600 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 260 4,386 SH   SOLE 0 4,386 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 77 1,300 SH   DFND 0 600 0 700
CENTURYLINK INC Com 156700106 2,023 80,546 SH   SOLE 0 79,446 100 1,000
CENTURYLINK INC Com 156700106 25 998 SH   DFND 0 950 0 48
CHEVRON CORP Com 166764100 418 5,296 SH   SOLE 0 5,296 0 0
CHEVRON CORP Com 166764100 24 300 SH   DFND 0 300 0 0
CISCO SYSTEMS Com 17275R102 3,369 128,330 SH   SOLE 0 126,772 300 1,258
CISCO SYSTEMS Com 17275R102 47 1,800 SH   DFND 0 1,500 0 300
COCA-COLA CO Com 191216100 2,430 60,571 SH   SOLE 0 59,171 0 1,400
COCA-COLA CO Com 191216100 64 1,600 SH   DFND 0 1,600 0 0
COLGATE PALMOLIVE CO. Com 194162103 51 800 SH   SOLE 0 800 0 0
COLGATE PALMOLIVE CO. Com 194162103 203 3,200 SH   DFND 0 0 0 3,200
CONOCOPHILLIPS Com 20825C104 3,657 76,251 SH   SOLE 0 75,019 232 1,000
CONOCOPHILLIPS Com 20825C104 62 1,300 SH   DFND 0 1,200 0 100
DEVON ENERGY CORPORATION NEW Com 25179M103 1,849 49,850 SH   SOLE 0 49,150 100 600
DEVON ENERGY CORPORATION NEW Com 25179M103 19 500 SH   DFND 0 500 0 0
DISNEY COM STOCK Com 254687106 302 2,954 SH   SOLE 0 2,954 0 0
DOMINION RESOURCES BLACK WARRI Com 25746Q108 14 10,000 SH   SOLE 0 10,000 0 0
DOMINION RESOURCES INC VA NEW Com 25746U109 3,092 43,931 SH   SOLE 0 43,081 0 850
DOMINION RESOURCES INC VA NEW Com 25746U109 116 1,649 SH   DFND 0 1,450 0 199
DUPONT E.I., DENEMOURS & CO. Com 263534109 1,095 22,725 SH   SOLE 0 22,125 100 500
DUPONT E.I., DENEMOURS & CO. Com 263534109 101 2,100 SH   DFND 0 400 0 1,700
EXXON MOBIL CORPORATION Com 30231G102 4,481 60,268 SH   SOLE 0 59,504 100 664
EXXON MOBIL CORPORATION Com 30231G102 296 3,976 SH   DFND 0 700 0 3,276
GENERAL ELECTRIC CO Com 369604103 4,769 189,106 SH   SOLE 0 186,816 0 2,290
GENERAL ELECTRIC CO Com 369604103 348 13,804 SH   DFND 0 3,300 0 10,504
HEWLETT PACKARD CO. Com 428236103 913 35,660 SH   SOLE 0 34,260 0 1,400
HEWLETT PACKARD CO. Com 428236103 28 1,100 SH   DFND 0 1,100 0 0
HOME DEPOT INC. Com 437076102 616 5,334 SH   SOLE 0 5,334 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 659 6,957 SH   SOLE 0 6,957 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 38 400 SH   DFND 0 400 0 0
INTEL CORP Com 458140100 4,506 149,508 SH   SOLE 0 147,808 200 1,500
INTEL CORP Com 458140100 62 2,045 SH   DFND 0 2,000 0 45
INTEGRATED ENERGY SOLUTIONS Com 45825V109 0 10,000 SH   SOLE 0 10,000 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,054 7,273 SH   SOLE 0 7,273 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 43 300 SH   DFND 0 200 0 100
ISHARES COMEX GOLD TRUST Com 464285105 614 56,950 SH   SOLE 0 55,350 0 1,600
JOHNSON & JOHNSON Com 478160104 5,894 63,140 SH   SOLE 0 62,040 200 900
JOHNSON & JOHNSON Com 478160104 159 1,700 SH   DFND 0 800 0 900
KIMBERLY CLARK CORP Com 494368103 1,348 12,366 SH   SOLE 0 12,116 0 250
KIMBERLY CLARK CORP Com 494368103 11 100 SH   DFND 0 100 0 0
LOCKHEED MARTIN CORP Com 539830109 2,110 10,178 SH   SOLE 0 10,178 0 0
LOCKHEED MARTIN CORP Com 539830109 41 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 864 23,900 SH   SOLE 0 23,300 0 600
MARATHON OIL CORP Com 565849106 2,106 136,750 SH   SOLE 0 135,250 100 1,400
MARATHON OIL CORP Com 565849106 26 1,700 SH   DFND 0 1,300 0 400
MARATHON PETROLEUM CORP Com 56585A102 337 7,266 SH   SOLE 0 7,266 0 0
MCDONALDS CORP Com 580135101 379 3,850 SH   SOLE 0 3,850 0 0
MERCK & CO INC NEW Com 58933Y105 896 18,146 SH   SOLE 0 17,685 0 461
MERCK & CO INC NEW Com 58933Y105 30 600 SH   DFND 0 600 0 0
MICROSOFT CORP. Com 594918104 2,454 55,436 SH   SOLE 0 54,580 200 656
MICROSOFT CORP. Com 594918104 97 2,200 SH   DFND 0 2,200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 344 8,204 SH   SOLE 0 8,204 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 30 726 SH   DFND 0 726 0 0
NEXTERA ENERGY INC Com 65339F101 1,260 12,920 SH   SOLE 0 12,320 100 500
NEXTERA ENERGY INC Com 65339F101 49 500 SH   DFND 0 200 0 300
NIKE, INC. Com 654106103 492 4,000 SH   SOLE 0 4,000 0 0
NORFOLK SOUTHERN CORP. Com 655844108 2,666 34,896 SH   SOLE 0 34,396 0 500
NORFOLK SOUTHERN CORP. Com 655844108 141 1,850 SH   DFND 0 500 0 1,350
OLD POINT FINANCIAL CORPORATIO Com 680194107 6,039 384,433 SH   SOLE 0 340,855 0 43,578
OLD POINT FINANCIAL CORPORATIO Com 680194107 289 18,402 SH   DFND 0 11,600 0 6,802
PPG INDUSTRIES, INC. Com 693506107 421 4,800 SH   SOLE 0 4,800 0 0
PEPSICO INC Com 713448108 5,982 63,433 SH   SOLE 0 62,383 100 950
PEPSICO INC Com 713448108 212 2,252 SH   DFND 0 900 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 1,784 56,791 SH   SOLE 0 56,391 200 200
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 155 4,942 SH   DFND 0 2,692 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,224 15,430 SH   SOLE 0 14,830 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 83 1,050 SH   DFND 0 1,050 0 0
PHILLIPS 66 Com 718546104 382 4,968 SH   SOLE 0 4,868 0 100
PHILLIPS 66 Com 718546104 15 200 SH   DFND 0 200 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 229 5,800 SH   SOLE 0 5,800 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 32 800 SH   DFND 0 800 0 0
T ROWE PRICE GROUP INC Com 74144T108 549 7,900 SH   SOLE 0 7,900 0 0
PROCTER & GAMBLE CO. Com 742718109 4,292 59,657 SH   SOLE 0 58,457 100 1,100
PROCTER & GAMBLE CO. Com 742718109 234 3,246 SH   DFND 0 500 0 2,746
RAYTHEON COMPANY Com 755111507 4,947 45,281 SH   SOLE 0 44,881 0 400
RAYTHEON COMPANY Com 755111507 87 800 SH   DFND 0 800 0 0
RITE AID CORP Com 767754104 61 10,000 SH   SOLE 0 10,000 0 0
SOUTHERN CO Com 842587107 1,721 38,490 SH   SOLE 0 37,790 100 600
SOUTHERN CO Com 842587107 58 1,300 SH   DFND 0 1,300 0 0
SPECTRA ENERGY CORP Com 847560109 4,028 153,335 SH   SOLE 0 151,235 200 1,900
SPECTRA ENERGY CORP Com 847560109 70 2,650 SH   DFND 0 1,850 0 800
SYSCO CORP Com 871829107 3,240 83,131 SH   SOLE 0 81,731 200 1,200
SYSCO CORP Com 871829107 39 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 628 7,987 SH   SOLE 0 7,737 0 250
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 2,445 43,305 SH   SOLE 0 43,005 0 300
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 51 900 SH   DFND 0 800 0 100
3M CO Com 88579Y101 1,015 7,160 SH   SOLE 0 7,160 0 0
3M CO Com 88579Y101 57 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 89 4,698 SH   SOLE 0 4,698 0 0
TOWNEBANK Com 89214P109 1,089 57,796 SH   DFND 0 57,160 0 636
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 3,218 118,891 SH   SOLE 0 116,591 300 2,000
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 60 2,200 SH   DFND 0 2,000 0 200
UNITED TECHNOLOGIES Com 913017109 318 3,570 SH   SOLE 0 3,570 0 0
VERIZON COMMUNICATIONS Com 92343V104 3,629 83,400 SH   SOLE 0 81,900 500 1,000
VERIZON COMMUNICATIONS Com 92343V104 167 3,827 SH   DFND 0 1,200 0 2,627
WAL-MART STORES INC Com 931142103 272 4,197 SH   SOLE 0 4,197 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 4,245 51,081 SH   SOLE 0 50,681 0 400
WALGREENS BOOTS ALLIANCE INC Com 931427108 75 900 SH   DFND 0 900 0 0
WELLS FARGO & CO NEW Com 949746101 408 7,940 SH   SOLE 0 7,940 0 0
WELLS FARGO & CO NEW Com 949746101 36 700 SH   DFND 0 700 0 0
XINYUAN REAL ESTATE CO L-ADR Com 98417P105 85 30,000 SH   SOLE 0 30,000 0 0
YUM! BRANDS INC Com 988498101 2,205 27,575 SH   SOLE 0 27,025 0 550
ACCENTURE PLC CL A Com G1151C101 5,074 51,641 SH   SOLE 0 50,891 0 750
ACCENTURE PLC CL A Com G1151C101 59 600 SH   DFND 0 600 0 0
EATON CORP PLC Com G29183103 974 18,985 SH   SOLE 0 18,435 0 550
NOBLE CORP PLC Com G65431101 769 70,464 SH   SOLE 0 69,764 0 700
NOBLE CORP PLC Com G65431101 12 1,100 SH   DFND 0 1,100 0 0