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 5,943 151,720 SH   SOLE 0 148,510 700 2,510
AT&T INC Com 00206R102 196 5,010 SH   DFND 0 1,959 0 3,051
ALTRIA GROUP INC Com 02209S103 990 15,801 SH   SOLE 0 15,801 0 0
ALTRIA GROUP INC Com 02209S103 66 1,050 SH   DFND 0 1,050 0 0
AMGEN INC Com 031162100 3,542 23,625 SH   SOLE 0 23,625 0 0
AMGEN INC Com 031162100 45 300 SH   DFND 0 300 0 0
APPLE INC Com 037833100 276 2,529 SH   SOLE 0 2,529 0 0
APPLE INC Com 037833100 38 350 SH   DFND 0 350 0 0
B B & T CORP Com 054937107 1,647 49,498 SH   SOLE 0 48,898 0 600
B B & T CORP Com 054937107 267 8,017 SH   DFND 0 2,667 0 5,350
BAKER HUGHES INC Com 057224107 2,732 62,338 SH   SOLE 0 61,638 0 700
BAKER HUGHES INC Com 057224107 44 1,000 SH   DFND 0 1,000 0 0
BANK OF AMERICA CORP Com 060505104 514 38,046 SH   SOLE 0 38,046 0 0
BANK OF AMERICA CORP Com 060505104 14 1,008 SH   DFND 0 0 0 1,008
BAXALTA INC Com 07177M103 1,809 44,785 SH   SOLE 0 44,035 100 650
BAXALTA INC Com 07177M103 40 1,000 SH   DFND 0 800 0 200
BAXTER INTL INC Com 071813109 2,002 48,735 SH   SOLE 0 48,085 100 550
BAXTER INTL INC Com 071813109 41 1,000 SH   DFND 0 800 0 200
BRISTOL-MYERS SQUIBB CO. Com 110122108 280 4,386 SH   SOLE 0 4,386 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 83 1,300 SH   DFND 0 600 0 700
CENTURYLINK INC Com 156700106 2,768 86,596 SH   SOLE 0 85,396 100 1,100
CENTURYLINK INC Com 156700106 32 998 SH   DFND 0 950 0 48
CHEVRON CORP Com 166764100 505 5,295 SH   SOLE 0 5,295 0 0
CHEVRON CORP Com 166764100 29 300 SH   DFND 0 300 0 0
CISCO SYSTEMS Com 17275R102 3,772 132,505 SH   SOLE 0 131,147 300 1,058
CISCO SYSTEMS Com 17275R102 51 1,800 SH   DFND 0 1,500 0 300
COCA-COLA CO Com 191216100 2,801 60,371 SH   SOLE 0 59,171 0 1,200
COCA-COLA CO Com 191216100 74 1,600 SH   DFND 0 1,600 0 0
COLGATE PALMOLIVE CO. Com 194162103 57 800 SH   SOLE 0 800 0 0
COLGATE PALMOLIVE CO. Com 194162103 226 3,200 SH   DFND 0 0 0 3,200
CONOCOPHILLIPS Com 20825C104 3,270 81,199 SH   SOLE 0 79,867 232 1,100
CONOCOPHILLIPS Com 20825C104 52 1,300 SH   DFND 0 1,200 0 100
DEVON ENERGY CORPORATION NEW Com 25179M103 1,104 40,248 SH   SOLE 0 39,648 100 500
DEVON ENERGY CORPORATION NEW Com 25179M103 14 500 SH   DFND 0 500 0 0
DISNEY COM STOCK Com 254687106 293 2,954 SH   SOLE 0 2,954 0 0
DOMINION RESOURCES BLACK WARRI Com 25746Q108 0 10,000 SH   SOLE 0 10,000 0 0
DOMINION RESOURCES INC VA NEW Com 25746U109 3,533 47,030 SH   SOLE 0 46,180 0 850
DOMINION RESOURCES INC VA NEW Com 25746U109 124 1,649 SH   DFND 0 1,450 0 199
DUPONT E.I., DENEMOURS & CO. Com 263534109 1,225 19,350 SH   SOLE 0 19,150 100 100
DUPONT E.I., DENEMOURS & CO. Com 263534109 101 1,600 SH   DFND 0 400 0 1,200
EXXON MOBIL CORPORATION Com 30231G102 5,258 62,901 SH   SOLE 0 62,137 100 664
EXXON MOBIL CORPORATION Com 30231G102 332 3,976 SH   DFND 0 700 0 3,276
GENERAL ELECTRIC CO Com 369604103 6,024 189,507 SH   SOLE 0 187,617 0 1,890
GENERAL ELECTRIC CO Com 369604103 439 13,804 SH   DFND 0 3,300 0 10,504
HP INC Com 40434L105 365 29,650 SH   SOLE 0 28,550 0 1,100
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 564 31,810 SH   SOLE 0 30,710 0 1,100
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 20 1,100 SH   DFND 0 1,100 0 0
HOME DEPOT INC. Com 437076102 631 4,732 SH   SOLE 0 4,732 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 815 7,275 SH   SOLE 0 7,275 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 45 400 SH   DFND 0 400 0 0
INTEL CORP Com 458140100 4,974 153,758 SH   SOLE 0 152,258 200 1,300
INTEL CORP Com 458140100 66 2,045 SH   DFND 0 2,000 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,048 6,923 SH   SOLE 0 6,923 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 45 300 SH   DFND 0 200 0 100
ISHARES COMEX GOLD TRUST Com 464285105 673 56,650 SH   SOLE 0 55,050 0 1,600
JOHNSON & JOHNSON Com 478160104 6,804 62,881 SH   SOLE 0 61,881 200 800
JOHNSON & JOHNSON Com 478160104 184 1,700 SH   DFND 0 800 0 900
KIMBERLY CLARK CORP Com 494368103 1,774 13,190 SH   SOLE 0 12,990 0 200
KIMBERLY CLARK CORP Com 494368103 13 100 SH   DFND 0 100 0 0
LANCASTER COLONY CORP Com 513847103 221 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 2,254 10,177 SH   SOLE 0 10,177 0 0
LOCKHEED MARTIN CORP Com 539830109 44 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 1,108 28,950 SH   SOLE 0 28,350 0 600
MARATHON OIL CORP Com 565849106 1,617 145,121 SH   SOLE 0 143,621 100 1,400
MARATHON OIL CORP Com 565849106 21 1,900 SH   DFND 0 1,500 0 400
MARATHON PETROLEUM CORP Com 56585A102 270 7,266 SH   SOLE 0 7,266 0 0
MERCK & CO INC NEW Com 58933Y105 1,592 30,094 SH   SOLE 0 29,633 0 461
MERCK & CO INC NEW Com 58933Y105 63 1,200 SH   DFND 0 1,200 0 0
MICROSOFT CORP. Com 594918104 3,255 58,936 SH   SOLE 0 58,280 200 456
MICROSOFT CORP. Com 594918104 122 2,200 SH   DFND 0 2,200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 290 7,236 SH   SOLE 0 7,236 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 29 726 SH   DFND 0 726 0 0
NEXTERA ENERGY INC Com 65339F101 1,624 13,720 SH   SOLE 0 13,220 100 400
NEXTERA ENERGY INC Com 65339F101 59 500 SH   DFND 0 200 0 300
NIKE, INC. Com 654106103 492 8,000 SH   SOLE 0 8,000 0 0
NORFOLK SOUTHERN CORP. Com 655844108 2,694 32,359 SH   SOLE 0 31,859 0 500
NORFOLK SOUTHERN CORP. Com 655844108 154 1,850 SH   DFND 0 500 0 1,350
OLD POINT FINANCIAL CORPORATIO Com 680194107 6,572 353,357 SH   SOLE 0 312,179 0 41,178
OLD POINT FINANCIAL CORPORATIO Com 680194107 331 17,802 SH   DFND 0 11,000 0 6,802
PPG INDUSTRIES, INC. Com 693506107 535 4,800 SH   SOLE 0 4,800 0 0
PEPSICO INC Com 713448108 6,558 63,994 SH   SOLE 0 63,044 100 850
PEPSICO INC Com 713448108 231 2,252 SH   DFND 0 900 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 2,279 76,896 SH   SOLE 0 76,596 200 100
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 152 5,142 SH   DFND 0 2,892 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,469 14,978 SH   SOLE 0 14,378 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 103 1,050 SH   DFND 0 1,050 0 0
PHILLIPS 66 Com 718546104 311 3,593 SH   SOLE 0 3,493 0 100
PHILLIPS 66 Com 718546104 17 200 SH   DFND 0 200 0 0
T ROWE PRICE GROUP INC Com 74144T108 771 10,500 SH   SOLE 0 10,500 0 0
PROCTER & GAMBLE CO. Com 742718109 5,146 62,519 SH   SOLE 0 61,419 100 1,000
PROCTER & GAMBLE CO. Com 742718109 267 3,246 SH   DFND 0 500 0 2,746
RAYTHEON COMPANY Com 755111507 5,540 45,173 SH   SOLE 0 44,873 0 300
RAYTHEON COMPANY Com 755111507 98 800 SH   DFND 0 800 0 0
RITE AID CORP Com 767754104 82 10,000 SH   SOLE 0 10,000 0 0
SOUTHERN CO Com 842587107 3,098 59,890 SH   SOLE 0 58,890 100 900
SOUTHERN CO Com 842587107 83 1,600 SH   DFND 0 1,600 0 0
SPECTRA ENERGY CORP Com 847560109 4,832 157,895 SH   SOLE 0 155,895 200 1,800
SPECTRA ENERGY CORP Com 847560109 84 2,750 SH   DFND 0 1,950 0 800
SYSCO CORP Com 871829107 3,973 85,031 SH   SOLE 0 83,831 200 1,000
SYSCO CORP Com 871829107 47 1,000 SH   DFND 0 1,000 0 0
TARGET CORP Com 87612E106 632 7,687 SH   SOLE 0 7,437 0 250
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 2,416 45,155 SH   SOLE 0 44,955 0 200
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 48 900 SH   DFND 0 800 0 100
3M CO Com 88579Y101 1,077 6,466 SH   SOLE 0 6,466 0 0
3M CO Com 88579Y101 67 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 140 7,304 SH   SOLE 0 7,304 0 0
TOWNEBANK Com 89214P109 1,109 57,796 SH   DFND 0 57,160 0 636
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 3,247 115,150 SH   SOLE 0 113,150 300 1,700
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 62 2,200 SH   DFND 0 2,000 0 200
UNITED TECHNOLOGIES Com 913017109 447 4,470 SH   SOLE 0 4,470 0 0
VERIZON COMMUNICATIONS Com 92343V104 4,778 88,350 SH   SOLE 0 87,050 500 800
VERIZON COMMUNICATIONS Com 92343V104 207 3,827 SH   DFND 0 1,200 0 2,627
WALGREENS BOOTS ALLIANCE INC Com 931427108 4,118 48,881 SH   SOLE 0 48,681 0 200
WALGREENS BOOTS ALLIANCE INC Com 931427108 76 900 SH   DFND 0 900 0 0
WELLS FARGO & CO NEW Com 949746101 924 19,112 SH   SOLE 0 18,812 0 300
WELLS FARGO & CO NEW Com 949746101 34 700 SH   DFND 0 700 0 0
WEYERHAEUSER CO Com 962166104 313 10,106 SH   SOLE 0 10,106 0 0
WEYERHAEUSER CO Com 962166104 40 1,280 SH   DFND 0 1,280 0 0
XINYUAN REAL ESTATE CO L-ADR Com 98417P105 133 30,000 SH   SOLE 0 30,000 0 0
YUM! BRANDS INC Com 988498101 2,527 30,874 SH   SOLE 0 30,424 0 450
ACCENTURE PLC CL A Com G1151C101 5,988 51,891 SH   SOLE 0 51,141 0 750
ACCENTURE PLC CL A Com G1151C101 69 600 SH   DFND 0 600 0 0
EATON CORP PLC Com G29183103 1,303 20,833 SH   SOLE 0 20,283 0 550
NOBLE CORP PLC Com G65431101 702 67,864 SH   SOLE 0 67,164 0 700
NOBLE CORP PLC Com G65431101 9 900 SH   DFND 0 900 0 0
CAPITAL PRODUCT PARTNERS LP Com Y11082107 47 15,000 SH   SOLE 0 15,000 0 0