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 5,197 151,029 SH   SOLE 0 147,819 700 2,510
AT&T INC Com 00206R102 169 4,910 SH   DFND 0 1,859 0 3,051
ALTRIA GROUP INC Com 02209S103 943 16,201 SH   SOLE 0 16,201 0 0
ALTRIA GROUP INC Com 02209S103 61 1,050 SH   DFND 0 1,050 0 0
AMGEN INC Com 031162100 3,693 22,750 SH   SOLE 0 22,750 0 0
AMGEN INC Com 031162100 49 300 SH   DFND 0 300 0 0
APPLE INC Com 037833100 266 2,529 SH   SOLE 0 2,529 0 0
APPLE INC Com 037833100 37 350 SH   DFND 0 350 0 0
B B & T CORP Com 054937107 1,360 35,964 SH   SOLE 0 35,864 0 100
B B & T CORP Com 054937107 303 8,017 SH   DFND 0 2,667 0 5,350
BAKER HUGHES INC Com 057224107 3,022 65,488 SH   SOLE 0 64,688 0 800
BAKER HUGHES INC Com 057224107 46 1,000 SH   DFND 0 1,000 0 0
BANK OF AMERICA CORP Com 060505104 640 38,046 SH   SOLE 0 38,046 0 0
BANK OF AMERICA CORP Com 060505104 17 1,008 SH   DFND 0 0 0 1,008
BAXALTA INC Com 07177M103 1,781 45,635 SH   SOLE 0 44,885 100 650
BAXALTA INC Com 07177M103 39 1,000 SH   DFND 0 800 0 200
BAXTER INTL INC Com 071813109 1,962 51,435 SH   SOLE 0 50,685 100 650
BAXTER INTL INC Com 071813109 38 1,000 SH   DFND 0 800 0 200
BRISTOL-MYERS SQUIBB CO. Com 110122108 302 4,386 SH   SOLE 0 4,386 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 89 1,300 SH   DFND 0 600 0 700
CENTURYLINK INC Com 156700106 2,164 85,996 SH   SOLE 0 84,796 100 1,100
CENTURYLINK INC Com 156700106 25 998 SH   DFND 0 950 0 48
CHEVRON CORP Com 166764100 476 5,295 SH   SOLE 0 5,295 0 0
CHEVRON CORP Com 166764100 27 300 SH   DFND 0 300 0 0
CISCO SYSTEMS Com 17275R102 3,595 132,405 SH   SOLE 0 130,747 300 1,358
CISCO SYSTEMS Com 17275R102 49 1,800 SH   DFND 0 1,500 0 300
COCA-COLA CO Com 191216100 2,602 60,569 SH   SOLE 0 59,169 0 1,400
COCA-COLA CO Com 191216100 69 1,600 SH   DFND 0 1,600 0 0
COLGATE PALMOLIVE CO. Com 194162103 53 800 SH   SOLE 0 800 0 0
COLGATE PALMOLIVE CO. Com 194162103 213 3,200 SH   DFND 0 0 0 3,200
CONOCOPHILLIPS Com 20825C104 3,756 80,449 SH   SOLE 0 79,117 232 1,100
CONOCOPHILLIPS Com 20825C104 61 1,300 SH   DFND 0 1,200 0 100
DEVON ENERGY CORPORATION NEW Com 25179M103 1,472 45,998 SH   SOLE 0 45,298 100 600
DEVON ENERGY CORPORATION NEW Com 25179M103 16 500 SH   DFND 0 500 0 0
DISNEY COM STOCK Com 254687106 310 2,954 SH   SOLE 0 2,954 0 0
DOMINION RESOURCES BLACK WARRI Com 25746Q108 3 10,000 SH   SOLE 0 10,000 0 0
DOMINION RESOURCES INC VA NEW Com 25746U109 3,168 46,830 SH   SOLE 0 45,980 0 850
DOMINION RESOURCES INC VA NEW Com 25746U109 112 1,649 SH   DFND 0 1,450 0 199
DUPONT E.I., DENEMOURS & CO. Com 263534109 1,402 21,050 SH   SOLE 0 20,450 100 500
DUPONT E.I., DENEMOURS & CO. Com 263534109 107 1,600 SH   DFND 0 400 0 1,200
EXXON MOBIL CORPORATION Com 30231G102 4,900 62,867 SH   SOLE 0 62,103 100 664
EXXON MOBIL CORPORATION Com 30231G102 310 3,976 SH   DFND 0 700 0 3,276
GENERAL ELECTRIC CO Com 369604103 5,975 191,801 SH   SOLE 0 189,411 0 2,390
GENERAL ELECTRIC CO Com 369604103 430 13,804 SH   DFND 0 3,300 0 10,504
HP INC Com 40434L105 378 31,910 SH   SOLE 0 30,510 0 1,400
HP INC Com 40434L105 13 1,100 SH   DFND 0 1,100 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 488 32,110 SH   SOLE 0 30,710 0 1,400
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 17 1,100 SH   DFND 0 1,100 0 0
HOME DEPOT INC. Com 437076102 705 5,332 SH   SOLE 0 5,332 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 743 7,175 SH   SOLE 0 7,175 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 41 400 SH   DFND 0 400 0 0
INTEL CORP Com 458140100 5,281 153,308 SH   SOLE 0 151,508 200 1,600
INTEL CORP Com 458140100 70 2,045 SH   DFND 0 2,000 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,008 7,323 SH   SOLE 0 7,323 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 41 300 SH   DFND 0 200 0 100
ISHARES COMEX GOLD TRUST Com 464285105 580 56,650 SH   SOLE 0 55,050 0 1,600
JOHNSON & JOHNSON Com 478160104 6,613 64,377 SH   SOLE 0 63,277 200 900
JOHNSON & JOHNSON Com 478160104 175 1,700 SH   DFND 0 800 0 900
KIMBERLY CLARK CORP Com 494368103 1,701 13,365 SH   SOLE 0 13,115 0 250
KIMBERLY CLARK CORP Com 494368103 13 100 SH   DFND 0 100 0 0
LANCASTER COLONY CORP Com 513847103 231 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 2,210 10,177 SH   SOLE 0 10,177 0 0
LOCKHEED MARTIN CORP Com 539830109 43 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 1,156 30,100 SH   SOLE 0 29,500 0 600
MARATHON OIL CORP Com 565849106 1,855 147,347 SH   SOLE 0 145,647 100 1,600
MARATHON OIL CORP Com 565849106 21 1,700 SH   DFND 0 1,300 0 400
MARATHON PETROLEUM CORP Com 56585A102 377 7,266 SH   SOLE 0 7,266 0 0
MERCK & CO INC NEW Com 58933Y105 969 18,344 SH   SOLE 0 17,883 0 461
MERCK & CO INC NEW Com 58933Y105 32 600 SH   DFND 0 600 0 0
MICROSOFT CORP. Com 594918104 3,220 58,036 SH   SOLE 0 57,180 200 656
MICROSOFT CORP. Com 594918104 122 2,200 SH   DFND 0 2,200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 368 8,202 SH   SOLE 0 8,202 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 33 726 SH   DFND 0 726 0 0
NEXTERA ENERGY INC Com 65339F101 1,431 13,770 SH   SOLE 0 13,170 100 500
NEXTERA ENERGY INC Com 65339F101 52 500 SH   DFND 0 200 0 300
NIKE, INC. Com 654106103 500 8,000 SH   SOLE 0 8,000 0 0
NORFOLK SOUTHERN CORP. Com 655844108 2,875 33,984 SH   SOLE 0 33,484 0 500
NORFOLK SOUTHERN CORP. Com 655844108 156 1,850 SH   DFND 0 500 0 1,350
OLD POINT FINANCIAL CORPORATIO Com 680194107 6,278 365,847 SH   SOLE 0 323,469 0 42,378
OLD POINT FINANCIAL CORPORATIO Com 680194107 314 18,302 SH   DFND 0 11,500 0 6,802
PPG INDUSTRIES, INC. Com 693506107 474 4,800 SH   SOLE 0 4,800 0 0
PEPSICO INC Com 713448108 6,441 64,463 SH   SOLE 0 63,413 100 950
PEPSICO INC Com 713448108 225 2,252 SH   DFND 0 900 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 2,393 74,140 SH   SOLE 0 73,640 200 300
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 163 5,042 SH   DFND 0 2,792 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,356 15,428 SH   SOLE 0 14,828 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 92 1,050 SH   DFND 0 1,050 0 0
PHILLIPS 66 Com 718546104 294 3,593 SH   SOLE 0 3,493 0 100
PHILLIPS 66 Com 718546104 16 200 SH   DFND 0 200 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 277 5,800 SH   SOLE 0 5,800 0 0
PLUM CREEK TIMBER CO INC COM Com 729251108 38 800 SH   DFND 0 800 0 0
T ROWE PRICE GROUP INC Com 74144T108 751 10,500 SH   SOLE 0 10,500 0 0
PROCTER & GAMBLE CO. Com 742718109 4,948 62,306 SH   SOLE 0 61,106 100 1,100
PROCTER & GAMBLE CO. Com 742718109 258 3,246 SH   DFND 0 500 0 2,746
RAYTHEON COMPANY Com 755111507 5,729 46,005 SH   SOLE 0 45,605 0 400
RAYTHEON COMPANY Com 755111507 100 800 SH   DFND 0 800 0 0
RITE AID CORP Com 767754104 78 10,000 SH   SOLE 0 10,000 0 0
SOUTHERN CO Com 842587107 2,423 51,790 SH   SOLE 0 50,690 100 1,000
SOUTHERN CO Com 842587107 70 1,500 SH   DFND 0 1,500 0 0
SPECTRA ENERGY CORP Com 847560109 3,793 158,432 SH   SOLE 0 156,232 200 2,000
SPECTRA ENERGY CORP Com 847560109 63 2,650 SH   DFND 0 1,850 0 800
SYSCO CORP Com 871829107 3,535 86,231 SH   SOLE 0 84,831 200 1,200
SYSCO CORP Com 871829107 41 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 558 7,687 SH   SOLE 0 7,437 0 250
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 2,967 45,205 SH   SOLE 0 44,905 0 300
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 59 900 SH   DFND 0 800 0 100
3M CO Com 88579Y101 1,078 7,158 SH   SOLE 0 7,158 0 0
3M CO Com 88579Y101 60 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 98 4,698 SH   SOLE 0 4,698 0 0
TOWNEBANK Com 89214P109 1,206 57,796 SH   DFND 0 57,160 0 636
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 3,295 120,991 SH   SOLE 0 118,691 300 2,000
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 60 2,200 SH   DFND 0 2,000 0 200
UNITED TECHNOLOGIES Com 913017109 429 4,470 SH   SOLE 0 4,470 0 0
VERIZON COMMUNICATIONS Com 92343V104 4,049 87,600 SH   SOLE 0 86,100 500 1,000
VERIZON COMMUNICATIONS Com 92343V104 177 3,827 SH   DFND 0 1,200 0 2,627
WAL-MART STORES INC Com 931142103 221 3,600 SH   SOLE 0 3,600 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 4,248 49,881 SH   SOLE 0 49,481 0 400
WALGREENS BOOTS ALLIANCE INC Com 931427108 77 900 SH   DFND 0 900 0 0
WELLS FARGO & CO NEW Com 949746101 513 9,440 SH   SOLE 0 9,440 0 0
WELLS FARGO & CO NEW Com 949746101 38 700 SH   DFND 0 700 0 0
XINYUAN REAL ESTATE CO L-ADR Com 98417P105 111 30,000 SH   SOLE 0 30,000 0 0
YUM! BRANDS INC Com 988498101 2,175 29,774 SH   SOLE 0 29,224 0 550
ACCENTURE PLC CL A Com G1151C101 5,423 51,891 SH   SOLE 0 51,141 0 750
ACCENTURE PLC CL A Com G1151C101 63 600 SH   DFND 0 600 0 0
EATON CORP PLC Com G29183103 1,115 21,433 SH   SOLE 0 20,883 0 550
NOBLE CORP PLC Com G65431101 733 69,464 SH   SOLE 0 68,764 0 700
NOBLE CORP PLC Com G65431101 9 900 SH   DFND 0 900 0 0