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 1,746 70,987 SH   SOLE 0 70,687 300 0
AT&T INC Com 00206R102 71 2,892 SH   DFND 0 2,626 0 266
ABBOTT LABORATORIES Com 002824100 269 1,909 SH   SOLE 0 1,909 0 0
ABBOTT LABORATORIES Com 002824100 113 800 SH   DFND 0 800 0 0
ABBVIE INC Com 00287Y109 206 1,520 SH   SOLE 0 1,520 0 0
ALTRIA GROUP INC Com 02209S103 724 15,271 SH   SOLE 0 15,271 0 0
AMGEN INC Com 031162100 6,683 29,706 SH   SOLE 0 29,606 0 100
APPLE INC Com 037833100 9,811 55,252 SH   SOLE 0 54,652 0 600
APPLE INC Com 037833100 249 1,400 SH   DFND 0 1,400 0 0
BAKER HUGHES CO Com 05722G100 958 39,800 SH   SOLE 0 39,400 0 400
BAXTER INTL INC Com 071813109 2,587 30,139 SH   SOLE 0 29,739 100 300
BAXTER INTL INC Com 071813109 9 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 158 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 179 600 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 9,225 71,295 SH   SOLE 0 70,470 75 750
CVS HEALTH CORP Com 126650100 258 2,499 SH   SOLE 0 2,499 0 0
CATERPILLAR INC Com 149123101 294 1,420 SH   SOLE 0 1,420 0 0
CHEVRON CORP Com 166764100 642 5,474 SH   SOLE 0 5,474 0 0
CISCO SYSTEMS Com 17275R102 9,233 145,693 SH   SOLE 0 144,743 150 800
CISCO SYSTEMS Com 17275R102 32 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 343 1,966 SH   SOLE 0 1,966 0 0
COCA-COLA CO Com 191216100 1,441 24,341 SH   SOLE 0 24,341 0 0
COLGATE PALMOLIVE CO. Com 194162103 226 2,647 SH   SOLE 0 2,647 0 0
COMCAST CORP CL A Com 20030N101 212 4,212 SH   SOLE 0 4,212 0 0
CONOCOPHILLIPS Com 20825C104 6,853 94,943 SH   SOLE 0 94,193 150 600
CONOCOPHILLIPS Com 20825C104 7 100 SH   DFND 0 100 0 0
COSTCO WHOLESALE CORP Com 22160K105 297 523 SH   SOLE 0 523 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 692 15,700 SH   SOLE 0 15,700 0 0
DISNEY COM STOCK Com 254687106 1,485 9,590 SH   SOLE 0 9,570 20 0
DOMINION ENERGY INC Com 25746U109 6,013 76,536 SH   SOLE 0 75,636 0 900
DOMINION ENERGY INC Com 25746U109 16 199 SH   DFND 0 199 0 0
ECOLAB INC Com 278865100 6,725 28,669 SH   SOLE 0 28,469 0 200
ENBRIDGE INC Com 29250N105 6,506 166,479 SH   SOLE 0 164,583 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 5,137 83,946 SH   SOLE 0 83,046 100 800
EXXON MOBIL CORPORATION Com 30231G102 57 937 SH   DFND 0 826 0 111
FIRST SOLAR INC Com 336433107 301 3,450 SH   SOLE 0 3,450 0 0
FOX CORP - CLASS B Com 35137L204 1,561 45,539 SH   SOLE 0 44,739 0 800
GENERAL ELECTRIC CO COM Com 369604301 1,177 12,456 SH   SOLE 0 12,333 0 123
GENERAL ELECTRIC CO COM Com 369604301 9 100 SH   DFND 0 100 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,522 159,925 SH   SOLE 0 158,225 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 562 1,355 SH   SOLE 0 1,355 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,234 5,919 SH   SOLE 0 5,919 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 63 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 333 1,349 SH   SOLE 0 1,349 0 0
INTEL CORP Com 458140100 7,788 151,217 SH   SOLE 0 150,317 200 700
INTEL CORP Com 458140100 7 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 2,020 15,113 SH   SOLE 0 14,913 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 13 100 SH   DFND 0 100 0 0
INTUIT INC Com 461202103 257 399 SH   SOLE 0 399 0 0
ISHARES MSCI EAFE INDEX FUND Com 464287465 247 3,135 SH   SOLE 0 3,135 0 0
JOHNSON & JOHNSON Com 478160104 8,720 50,973 SH   SOLE 0 50,823 50 100
JOHNSON & JOHNSON Com 478160104 222 1,295 SH   DFND 0 900 0 395
KIMBERLY CLARK CORP Com 494368103 1,379 9,649 SH   SOLE 0 9,449 0 200
KINDER MORGAN INC Com 49456B101 3,712 234,024 SH   SOLE 0 231,624 0 2,400
KINDER MORGAN INC Com 49456B101 10 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 3,838 10,798 SH   SOLE 0 10,798 0 0
LOWES COMPANIES Com 548661107 297 1,148 SH   SOLE 0 1,148 0 0
LUMEN TECHNOLOGIES INC Com 550241103 1,555 123,880 SH   SOLE 0 123,380 0 500
LUMEN TECHNOLOGIES INC Com 550241103 1 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 2,301 140,150 SH   SOLE 0 139,350 0 800
MARATHON PETROLEUM CORP Com 56585A102 388 6,066 SH   SOLE 0 6,066 0 0
MCDONALDS CORP Com 580135101 328 1,223 SH   SOLE 0 1,223 0 0
MERCK & CO INC NEW Com 58933Y105 1,203 15,699 SH   SOLE 0 15,699 0 0
MICROSOFT CORP Com 594918104 16,919 50,307 SH   SOLE 0 49,807 50 450
MICROSOFT CORP Com 594918104 269 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 455 6,862 SH   SOLE 0 6,862 0 0
NEXTERA ENERGY INC Com 65339F101 5,752 61,615 SH   SOLE 0 60,665 150 800
NEXTERA ENERGY INC Com 65339F101 112 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 1,026 6,154 SH   SOLE 0 6,154 0 0
NORFOLK SOUTHERN CORP. Com 655844108 5,316 17,856 SH   SOLE 0 17,456 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 5,242 224,285 SH   SOLE 0 208,056 0 16,229
OLD POINT FINANCIAL CORPORATIO Com 680194107 243 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 690 4,000 SH   SOLE 0 4,000 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 1,782 97,850 SH   SOLE 0 97,650 200 0
PEPSICO INC Com 713448108 10,260 59,066 SH   SOLE 0 58,466 100 500
PEPSICO INC Com 713448108 252 1,452 SH   DFND 0 100 0 1,352
PFIZER, INC Com 717081103 2,708 45,859 SH   SOLE 0 45,659 200 0
PFIZER, INC Com 717081103 198 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,292 13,598 SH   SOLE 0 12,998 0 600
PHILLIPS 66 Com 718546104 219 3,023 SH   SOLE 0 3,023 0 0
T ROWE PRICE GROUP INC Com 74144T108 2,260 11,492 SH   SOLE 0 11,492 0 0
PROCTER & GAMBLE CO. Com 742718109 11,166 68,263 SH   SOLE 0 67,613 50 600
PROCTER & GAMBLE CO. Com 742718109 470 2,871 SH   DFND 0 500 0 2,371
RPM INC/OHIO Com 749685103 237 2,343 SH   SOLE 0 2,343 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 9,343 108,562 SH   SOLE 0 108,312 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101 24 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 5,716 83,349 SH   SOLE 0 82,549 100 700
SYSCO CORP Com 871829107 2,918 37,145 SH   SOLE 0 36,545 100 500
TARGET CORP Com 87612E106 3,452 14,914 SH   SOLE 0 14,889 25 0
TARGET CORP Com 87612E106 93 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 336 41,950 SH   SOLE 0 41,950 0 0
3M CO Com 88579Y101 1,024 5,766 SH   SOLE 0 5,766 0 0
TOWNEBANK Com 89214P109 362 11,473 SH   SOLE 0 11,473 0 0
TOWNEBANK Com 89214P109 20 636 SH   DFND 0 0 0 636
TRAVELERS COMPANIES INC/THE Com 89417E109 221 1,410 SH   SOLE 0 1,410 0 0
TRUIST FINANCIAL CORP Com 89832Q109 3,232 55,206 SH   SOLE 0 54,706 0 500
TRUIST FINANCIAL CORP Com 89832Q109 406 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 4,451 20,765 SH   SOLE 0 20,665 0 100
VERIZON COMMUNICATIONS Com 92343V104 4,981 95,865 SH   SOLE 0 94,965 200 700
VERIZON COMMUNICATIONS Com 92343V104 76 1,461 SH   DFND 0 769 0 692
WAL-MART STORES INC Com 931142103 223 1,538 SH   SOLE 0 1,538 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 2,012 38,569 SH   SOLE 0 38,569 0 0
WEYERHAEUSER CO Com 962166104 2,824 68,580 SH   SOLE 0 68,580 0 0
WEYERHAEUSER CO Com 962166104 4 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 3,674 26,455 SH   SOLE 0 26,155 0 300
ACCENTURE PLC CL A Com G1151C101 13,741 33,147 SH   SOLE 0 32,647 0 500
EATON CORP PLC Com G29183103 1,389 8,039 SH   SOLE 0 7,639 0 400