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 2,609 90,643 SH   SOLE 0 89,743 300 600
AT&T INC Com 00206R102 101 3,494 SH   DFND 0 3,023 0 471
ABBOTT LABORATORIES Com 002824100 221 1,909 SH   SOLE 0 1,909 0 0
ABBOTT LABORATORIES Com 002824100 93 800 SH   DFND 0 800 0 0
ALTRIA GROUP INC Com 02209S103 716 15,021 SH   SOLE 0 15,021 0 0
ALTRIA GROUP INC Com 02209S103 29 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 7,166 29,397 SH   SOLE 0 29,297 0 100
APPLE INC Com 037833100 7,457 54,447 SH   SOLE 0 53,847 0 600
APPLE INC Com 037833100 192 1,400 SH   DFND 0 1,400 0 0
BAKER HUGHES CO Com 05722G100 1,075 47,025 SH   SOLE 0 46,625 0 400
BAXTER INTL INC Com 071813109 2,440 30,307 SH   SOLE 0 29,907 100 300
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 147 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 167 600 SH   DFND 0 600 0 0
BIOELECTRONICS CORP Com 09062H108 1 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM Com 09260D107 7,133 73,435 SH   SOLE 0 72,610 75 750
CATERPILLAR INC Com 149123101 309 1,420 SH   SOLE 0 1,420 0 0
CHEVRON CORP Com 166764100 573 5,474 SH   SOLE 0 5,474 0 0
CISCO SYSTEMS Com 17275R102 7,820 147,553 SH   SOLE 0 146,603 150 800
CISCO SYSTEMS Com 17275R102 27 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 354 1,966 SH   SOLE 0 1,966 0 0
COCA-COLA CO Com 191216100 955 17,643 SH   SOLE 0 17,643 0 0
COLGATE PALMOLIVE CO. Com 194162103 215 2,647 SH   SOLE 0 2,647 0 0
COMCAST CORP CL A Com 20030N101 240 4,212 SH   SOLE 0 4,212 0 0
CONOCOPHILLIPS Com 20825C104 5,794 95,143 SH   SOLE 0 94,393 150 600
CONOCOPHILLIPS Com 20825C104 6 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 504 17,250 SH   SOLE 0 16,950 0 300
DISNEY COM STOCK Com 254687106 1,706 9,707 SH   SOLE 0 9,687 20 0
DOMINION ENERGY INC Com 25746U109 5,711 77,621 SH   SOLE 0 76,721 0 900
DOMINION ENERGY INC Com 25746U109 48 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 5,963 28,950 SH   SOLE 0 28,750 0 200
ENBRIDGE INC Com 29250N105 6,393 159,668 SH   SOLE 0 157,772 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 5,352 84,846 SH   SOLE 0 83,946 100 800
EXXON MOBIL CORPORATION Com 30231G102 59 937 SH   DFND 0 826 0 111
FIRST SOLAR INC Com 336433107 262 2,900 SH   SOLE 0 2,900 0 0
FOX CORP - CLASS B Com 35137L204 1,711 48,605 SH   SOLE 0 47,805 0 800
GENERAL ELECTRIC CO Com 369604103 1,344 99,856 SH   SOLE 0 98,866 0 990
GENERAL ELECTRIC CO Com 369604103 44 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,474 169,675 SH   SOLE 0 167,975 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 493 1,545 SH   SOLE 0 1,545 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,298 5,919 SH   SOLE 0 5,919 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 66 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 302 1,349 SH   SOLE 0 1,349 0 0
INTEL CORP Com 458140100 8,402 149,667 SH   SOLE 0 148,767 200 700
INTEL CORP Com 458140100 8 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 2,153 14,688 SH   SOLE 0 14,488 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 15 100 SH   DFND 0 100 0 0
ISHARES MSCI EAFE INDEX FUND Com 464287465 247 3,135 SH   SOLE 0 3,135 0 0
JOHNSON & JOHNSON Com 478160104 8,163 49,550 SH   SOLE 0 49,400 50 100
JOHNSON & JOHNSON Com 478160104 217 1,318 SH   DFND 0 900 0 418
KIMBERLY CLARK CORP Com 494368103 1,347 10,066 SH   SOLE 0 9,866 0 200
KINDER MORGAN INC Com 49456B101 4,197 230,200 SH   SOLE 0 227,800 0 2,400
KINDER MORGAN INC Com 49456B101 11 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 3,859 10,199 SH   SOLE 0 10,199 0 0
LOWES COMPANIES Com 548661107 223 1,148 SH   SOLE 0 1,148 0 0
LUMEN TECHNOLOGIES INC Com 550241103 1,758 129,380 SH   SOLE 0 128,880 0 500
LUMEN TECHNOLOGIES INC Com 550241103 1 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 1,841 135,200 SH   SOLE 0 134,400 0 800
MARATHON PETROLEUM CORP Com 56585A102 373 6,166 SH   SOLE 0 6,166 0 0
MCDONALDS CORP Com 580135101 306 1,323 SH   SOLE 0 1,323 0 0
MERCK & CO INC NEW Com 58933Y105 1,128 14,499 SH   SOLE 0 14,499 0 0
MERCK & CO INC NEW Com 58933Y105 47 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 14,342 52,942 SH   SOLE 0 52,392 50 500
MICROSOFT CORP Com 594918104 217 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 413 6,620 SH   SOLE 0 6,620 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 26 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 4,594 62,690 SH   SOLE 0 61,740 150 800
NEXTERA ENERGY INC Com 65339F101 88 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 1,182 7,654 SH   SOLE 0 7,654 0 0
NORFOLK SOUTHERN CORP. Com 655844108 4,580 17,257 SH   SOLE 0 16,857 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 4,512 187,134 SH   SOLE 0 170,456 0 16,678
OLD POINT FINANCIAL CORPORATIO Com 680194107 251 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 679 4,000 SH   SOLE 0 4,000 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 1,911 72,500 SH   SOLE 0 72,300 200 0
PEPSICO INC Com 713448108 8,869 59,856 SH   SOLE 0 59,256 100 500
PEPSICO INC Com 713448108 230 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC Com 717081103 1,808 46,176 SH   SOLE 0 45,976 200 0
PFIZER, INC Com 717081103 131 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,323 13,348 SH   SOLE 0 12,748 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 59 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 268 3,123 SH   SOLE 0 3,123 0 0
T ROWE PRICE GROUP INC Com 74144T108 2,448 12,367 SH   SOLE 0 12,367 0 0
PROCTER & GAMBLE CO. Com 742718109 8,518 63,130 SH   SOLE 0 62,480 50 600
PROCTER & GAMBLE CO. Com 742718109 391 2,896 SH   DFND 0 500 0 2,396
RAYTHEON TECHNOLOGIES CORP Com 75513E101 9,117 106,874 SH   SOLE 0 106,624 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101 24 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 5,007 82,751 SH   SOLE 0 81,951 100 700
SYSCO CORP Com 871829107 3,234 41,601 SH   SOLE 0 41,001 100 500
TARGET CORP Com 87612E106 3,552 14,692 SH   SOLE 0 14,667 25 0
TARGET CORP Com 87612E106 97 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 482 48,650 SH   SOLE 0 48,650 0 0
3M CO Com 88579Y101 951 4,790 SH   SOLE 0 4,790 0 0
3M CO Com 88579Y101 79 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 313 10,298 SH   SOLE 0 10,298 0 0
TOWNEBANK Com 89214P109 19 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 2,989 53,856 SH   SOLE 0 53,356 0 500
TRUIST FINANCIAL CORP Com 89832Q109 385 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 4,381 21,065 SH   SOLE 0 20,965 0 100
VERIZON COMMUNICATIONS Com 92343V104 5,538 98,838 SH   SOLE 0 97,938 200 700
VERIZON COMMUNICATIONS Com 92343V104 104 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 2,113 40,169 SH   SOLE 0 40,169 0 0
WEYERHAEUSER CO Com 962166104 2,435 70,730 SH   SOLE 0 70,730 0 0
WEYERHAEUSER CO Com 962166104 3 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 3,285 28,555 SH   SOLE 0 28,255 0 300
ACCENTURE PLC CL A Com G1151C101 10,439 35,412 SH   SOLE 0 34,912 0 500
EATON CORP PLC Com G29183103 1,236 8,339 SH   SOLE 0 7,939 0 400