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 6,121 156,627 SH   SOLE 0 154,117 400 2,110
AT&T INC Com 00206R102 151 3,857 SH   DFND 0 3,023 0 834
ALTRIA GROUP INC Com 02209S103 747 14,970 SH   SOLE 0 14,970 0 0
ALTRIA GROUP INC Com 02209S103 30 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 7,168 29,733 SH   SOLE 0 29,733 0 0
APPLE INC Com 037833100 4,034 13,739 SH   SOLE 0 13,589 0 150
APPLE INC Com 037833100 103 350 SH   DFND 0 350 0 0
BAKER HUGHES CO Com 05722G100 1,686 65,775 SH   SOLE 0 65,275 0 500
BANK OF AMERICA CORP Com 060505104 1,319 37,446 SH   SOLE 0 37,446 0 0
BANK OF AMERICA CORP Com 060505104 36 1,008 SH   DFND 0 0 0 1,008
BAXTER INTL INC Com 071813109 3,077 36,792 SH   SOLE 0 36,292 100 400
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 159 700 SH   SOLE 0 700 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 136 600 SH   DFND 0 600 0 0
BIOELECTRONICS CORP Com 09062H108 0 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM CL A Com 09260D107 3,865 69,094 SH   SOLE 0 69,094 0 0
BOEING CO. Com 097023105 577 1,770 SH   SOLE 0 1,770 0 0
CENTURYLINK INC Com 156700106 1,483 112,250 SH   SOLE 0 111,650 0 600
CENTURYLINK INC Com 156700106 1 48 SH   DFND 0 48 0 0
CHEVRON CORP Com 166764100 570 4,727 SH   SOLE 0 4,727 0 0
CISCO SYSTEMS Com 17275R102 6,780 141,374 SH   SOLE 0 140,516 300 558
CISCO SYSTEMS Com 17275R102 29 600 SH   DFND 0 300 0 300
CLOROX CO Com 189054109 307 2,000 SH   SOLE 0 2,000 0 0
COCA-COLA CO Com 191216100 1,582 28,588 SH   SOLE 0 28,188 0 400
CONOCOPHILLIPS Com 20825C104 5,920 91,041 SH   SOLE 0 89,909 232 900
CONOCOPHILLIPS Com 20825C104 7 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 847 32,600 SH   SOLE 0 32,300 0 300
DISNEY COM STOCK Com 254687106 2,950 20,395 SH   SOLE 0 20,112 0 283
DOMINION ENERGY INC Com 25746U109 4,490 54,217 SH   SOLE 0 53,367 0 850
DOMINION ENERGY INC Com 25746U109 54 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 5,100 26,425 SH   SOLE 0 26,225 0 200
ENBRIDGE INC Com 29250N105 6,081 152,897 SH   SOLE 0 151,211 196 1,490
EXXON MOBIL CORPORATION Com 30231G102 5,046 72,308 SH   SOLE 0 71,544 100 664
EXXON MOBIL CORPORATION Com 30231G102 20 287 SH   DFND 0 176 0 111
FOX CORP - CLASS B Com 35137L204 680 18,685 SH   SOLE 0 18,552 0 133
GENERAL ELECTRIC CO Com 369604103 1,289 115,463 SH   SOLE 0 114,273 0 1,190
GENERAL ELECTRIC CO Com 369604103 37 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 3,080 194,175 SH   SOLE 0 192,475 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 480 2,197 SH   SOLE 0 2,197 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 867 4,900 SH   SOLE 0 4,900 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 53 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 239 1,332 SH   SOLE 0 1,332 0 0
INTEL CORP Com 458140100 9,297 155,340 SH   SOLE 0 154,340 200 800
INTEL CORP Com 458140100 9 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,558 11,624 SH   SOLE 0 11,624 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 13 100 SH   DFND 0 100 0 0
ISHARES COMEX GOLD TRUST Com 464285105 147 10,150 SH   SOLE 0 10,150 0 0
JOHNSON & JOHNSON Com 478160104 7,148 49,005 SH   SOLE 0 48,240 100 665
JOHNSON & JOHNSON Com 478160104 160 1,097 SH   DFND 0 900 0 197
KIMBERLY CLARK CORP Com 494368103 1,807 13,135 SH   SOLE 0 12,935 0 200
KINDER MORGAN INC Com 49456B101 4,290 202,650 SH   SOLE 0 201,550 0 1,100
KINDER MORGAN INC Com 49456B101 13 600 SH   DFND 0 500 0 100
LANCASTER COLONY CORP Com 513847103 320 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 3,995 10,260 SH   SOLE 0 10,260 0 0
LOEWS CORP Com 540424108 1,604 30,550 SH   SOLE 0 30,150 0 400
MARATHON OIL CORP Com 565849106 2,135 157,205 SH   SOLE 0 156,405 0 800
MARATHON OIL CORP Com 565849106 4 300 SH   DFND 0 300 0 0
MARATHON PETROLEUM CORP Com 56585A102 415 6,887 SH   SOLE 0 6,887 0 0
MCDONALDS CORP Com 580135101 237 1,200 SH   SOLE 0 1,200 0 0
MERCK & CO INC NEW Com 58933Y105 2,479 27,262 SH   SOLE 0 27,101 0 161
MERCK & CO INC NEW Com 58933Y105 55 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 9,998 63,402 SH   SOLE 0 62,796 150 456
MICROSOFT CORP Com 594918104 126 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 352 6,389 SH   SOLE 0 6,389 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 23 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 3,637 15,017 SH   SOLE 0 14,542 75 400
NEXTERA ENERGY INC Com 65339F101 73 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 787 7,765 SH   SOLE 0 7,765 0 0
NORFOLK SOUTHERN CORP. Com 655844108 4,020 20,710 SH   SOLE 0 20,210 0 500
NORTHROP GRUMMAN CORP COM Com 666807102 249 725 SH   SOLE 0 725 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107 5,834 212,216 SH   SOLE 0 190,314 0 21,902
OLD POINT FINANCIAL CORPORATIO Com 680194107 346 12,601 SH   DFND 0 5,800 0 6,801
PPG INDUSTRIES, INC. Com 693506107 534 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 8,218 60,128 SH   SOLE 0 59,328 100 700
PEPSICO INC Com 713448108 212 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 2,720 69,416 SH   SOLE 0 69,116 200 100
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 131 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,204 14,152 SH   SOLE 0 13,552 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 51 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 368 3,300 SH   SOLE 0 3,200 0 100
T ROWE PRICE GROUP INC Com 74144T108 1,914 15,707 SH   SOLE 0 15,707 0 0
PROCTER & GAMBLE CO. Com 742718109 7,928 63,474 SH   SOLE 0 62,474 100 900
PROCTER & GAMBLE CO. Com 742718109 366 2,929 SH   DFND 0 500 0 2,429
RAYTHEON COMPANY Com 755111507 9,191 41,828 SH   SOLE 0 41,528 0 300
RAYTHEON COMPANY Com 755111507 22 100 SH   DFND 0 100 0 0
SOUTHERN CO Com 842587107 5,053 79,327 SH   SOLE 0 78,527 100 700
SYSCO CORP Com 871829107 6,126 71,618 SH   SOLE 0 70,718 200 700
TARGET CORP Com 87612E106 2,423 18,902 SH   SOLE 0 18,802 0 100
TARGET CORP Com 87612E106 51 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 469 47,850 SH   SOLE 0 47,850 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 1 150 SH   DFND 0 150 0 0
3M CO Com 88579Y101 955 5,413 SH   SOLE 0 5,413 0 0
3M CO Com 88579Y101 71 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 319 11,461 SH   SOLE 0 11,461 0 0
TOWNEBANK Com 89214P109 18 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 3,794 67,359 SH   SOLE 0 66,759 0 600
TRUIST FINANCIAL CORP Com 89832Q109 390 6,933 SH   DFND 0 1,200 0 5,733
UNITED TECHNOLOGIES Com 913017109 1,250 8,350 SH   SOLE 0 8,350 0 0
UNITED TECHNOLOGIES Com 913017109 7 50 SH   DFND 0 50 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,886 95,858 SH   SOLE 0 94,958 300 600
VERIZON COMMUNICATIONS Com 92343V104 114 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 3,015 51,139 SH   SOLE 0 51,139 0 0
WEYERHAEUSER CO Com 962166104 3,042 100,730 SH   SOLE 0 100,130 0 600
WEYERHAEUSER CO Com 962166104 42 1,380 SH   DFND 0 1,380 0 0
YUM! BRANDS INC Com 988498101 2,860 28,390 SH   SOLE 0 28,090 0 300
ACCENTURE PLC CL A Com G1151C101 8,858 42,068 SH   SOLE 0 41,468 0 600
EATON CORP PLC Com G29183103 1,058 11,175 SH   SOLE 0 10,775 0 400