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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102   562,928 29,243 SH   SOLE 0 29,243 0 0
AT&T INC Com 00206R102   51,975 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100   349,955 3,456 SH   SOLE 0 3,456 0 0
ABBOTT LABORATORIES Com 002824100   77,970 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109   303,281 1,903 SH   SOLE 0 1,903 0 0
ALBEMARLE CORP Com 012653101   217,724 985 SH   SOLE 0 985 0 0
ALTRIA GROUP INC Com 02209S103   624,502 13,996 SH   SOLE 0 13,996 0 0
AMAZON.COM INC Com 023135106   2,623,050 25,395 SH   SOLE 0 25,395 0 0
AMGEN INC Com 031162100   6,976,663 28,859 SH   SOLE 0 28,759 0 100
ANALOG DEVICES INC Com 032654105   253,428 1,285 SH   SOLE 0 1,285 0 0
APPLE INC Com 037833100   10,487,310 63,598 SH   SOLE 0 62,998 0 600
APPLE INC Com 037833100   223,934 1,358 SH   DFND 0 1,358 0 0
BAKER HUGHES CO Com 05722G100   1,028,859 35,650 SH   SOLE 0 35,250 0 400
BANK OF AMERICA CORP Com 060505104   271,242 9,484 SH   SOLE 0 9,484 0 0
BAXTER INTL INC Com 071813109   1,030,427 25,405 SH   SOLE 0 25,005 100 300
BAXTER INTL INC Com 071813109   4,056 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   250,412 811 SH   SOLE 0 811 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   175,999 570 SH   DFND 0 570 0 0
BIOELECTRONICS CORP Com 09062H108   248 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM Com 09260D107   6,468,977 73,645 SH   SOLE 0 72,820 75 750
BOEING CO. Com 097023105   399,368 1,880 SH   SOLE 0 1,880 0 0
CVS HEALTH CORP Com 126650100   260,011 3,499 SH   SOLE 0 3,499 0 0
CATERPILLAR INC Com 149123101   268,429 1,173 SH   SOLE 0 1,173 0 0
CHEVRON CORP Com 166764100   1,016,160 6,228 SH   SOLE 0 6,228 0 0
CISCO SYSTEMS Com 17275R102   7,409,511 141,741 SH   SOLE 0 141,191 150 400
CISCO SYSTEMS Com 17275R102   26,660 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109   303,663 1,919 SH   SOLE 0 1,919 0 0
COCA-COLA CO Com 191216100   1,463,598 23,595 SH   SOLE 0 23,595 0 0
CONOCOPHILLIPS Com 20825C104   8,626,409 86,951 SH   SOLE 0 86,311 40 600
CONOCOPHILLIPS Com 20825C104   9,921 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103   761,427 15,045 SH   SOLE 0 15,045 0 0
DISNEY COM STOCK Com 254687106   1,123,258 11,218 SH   SOLE 0 11,218 0 0
DOLLAR TREE INC Com 256746108   215,325 1,500 SH   SOLE 0 1,500 0 0
DOMINION ENERGY INC Com 25746U109   4,849,242 86,733 SH   SOLE 0 85,833 0 900
DOMINION ENERGY INC Com 25746U109   11,126 199 SH   DFND 0 199 0 0
ECOLAB INC Com 278865100   4,859,133 29,355 SH   SOLE 0 29,155 0 200
ENBRIDGE INC Com 29250N105   6,149,322 161,188 SH   SOLE 0 159,292 196 1,700
EXXON MOBIL CORPORATION Com 30231G102   9,894,841 90,232 SH   SOLE 0 89,352 80 800
EXXON MOBIL CORPORATION Com 30231G102   100,229 914 SH   DFND 0 803 0 111
FIRST SOLAR INC Com 336433107   1,044,000 4,800 SH   SOLE 0 4,800 0 0
FOX CORP - CLASS B Com 35137L204   1,193,819 38,129 SH   SOLE 0 37,329 0 800
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   314,995 3,840 SH   SOLE 0 3,799 0 41
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   2,543 31 SH   DFND 0 31 0 0
GENERAL ELECTRIC CO COM Com 369604301   1,153,223 12,063 SH   SOLE 0 11,940 0 123
GENERAL ELECTRIC CO COM Com 369604301   9,178 96 SH   DFND 0 96 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   1,787,824 112,230 SH   SOLE 0 110,530 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   1,593 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102   378,934 1,284 SH   SOLE 0 1,284 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,053,071 5,510 SH   SOLE 0 5,510 0 0
ILLINOIS TOOL WORKS Com 452308109   317,702 1,305 SH   SOLE 0 1,305 0 0
INTEL CORP Com 458140100   4,829,737 147,834 SH   SOLE 0 147,034 200 600
INTEL CORP Com 458140100   4,737 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101   2,332,878 17,796 SH   SOLE 0 17,596 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101   13,109 100 SH   DFND 0 100 0 0
JOHNSON & JOHNSON Com 478160104   7,524,165 48,543 SH   SOLE 0 48,493 50 0
JOHNSON & JOHNSON Com 478160104   151,125 975 SH   DFND 0 900 0 75
KIMBERLY CLARK CORP Com 494368103   1,096,041 8,166 SH   SOLE 0 7,966 0 200
KINDER MORGAN INC Com 49456B101   4,398,424 251,195 SH   SOLE 0 248,795 0 2,400
KINDER MORGAN INC Com 49456B101   10,506 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109   4,882,355 10,328 SH   SOLE 0 10,328 0 0
LOWES COMPANIES Com 548661107   204,769 1,024 SH   SOLE 0 1,024 0 0
LUMEN TECHNOLOGIES INC Com 550241103   167,766 63,308 SH   SOLE 0 62,808 0 500
LUMEN TECHNOLOGIES INC Com 550241103   127 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106   3,055,499 127,525 SH   SOLE 0 126,725 0 800
MARATHON PETROLEUM CORP Com 56585A102   1,370,682 10,166 SH   SOLE 0 10,166 0 0
MCDONALDS CORP Com 580135101   325,466 1,164 SH   SOLE 0 1,164 0 0
MERCK & CO INC NEW Com 58933Y105   1,813,524 17,046 SH   SOLE 0 17,046 0 0
MICROSOFT CORP Com 594918104   13,419,212 46,546 SH   SOLE 0 46,056 40 450
MICROSOFT CORP Com 594918104   221,991 770 SH   DFND 0 770 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105   409,117 5,868 SH   SOLE 0 5,868 0 0
NEXTERA ENERGY INC Com 65339F101   5,144,242 66,739 SH   SOLE 0 65,789 150 800
NIKE, INC. Com 654106103   511,899 4,174 SH   SOLE 0 4,174 0 0
NORFOLK SOUTHERN CORP. Com 655844108   3,515,384 16,582 SH   SOLE 0 16,182 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107   4,533,543 190,405 SH   SOLE 0 174,561 0 15,844
OLD POINT FINANCIAL CORPORATIO Com 680194107   246,053 10,334 SH   DFND 0 3,533 0 6,801
ORACLE SYSTEMS CORP Com 68389X105   678,966 7,307 SH   SOLE 0 7,307 0 0
ORACLE SYSTEMS CORP Com 68389X105   9,292 100 SH   DFND 0 0 0 100
PPG INDUSTRIES, INC. Com 693506107   540,999 4,050 SH   SOLE 0 4,050 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108   1,428,464 169,049 SH   SOLE 0 169,049 0 0
PEPSICO INC Com 713448108   10,160,491 55,735 SH   SOLE 0 55,170 65 500
PEPSICO INC Com 713448108   18,230 100 SH   DFND 0 100 0 0
PFIZER, INC Com 717081103   2,143,510 52,537 SH   SOLE 0 52,337 200 0
PFIZER, INC Com 717081103   43,044 1,055 SH   DFND 0 1,055 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109   1,279,227 13,154 SH   SOLE 0 12,554 0 600
PHILLIPS 66 Com 718546104   436,238 4,303 SH   SOLE 0 4,303 0 0
T ROWE PRICE GROUP INC Com 74144T108   1,471,313 13,032 SH   SOLE 0 13,032 0 0
PROCTER & GAMBLE CO. Com 742718109   9,504,116 63,919 SH   SOLE 0 63,269 50 600
PROCTER & GAMBLE CO. Com 742718109   89,214 600 SH   DFND 0 500 0 100
RAYTHEON TECHNOLOGIES CORP Com 75513E101   10,320,059 105,382 SH   SOLE 0 105,132 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101   27,714 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107   5,783,768 83,124 SH   SOLE 0 82,624 100 400
SYSCO CORP Com 871829107   2,316,128 29,990 SH   SOLE 0 29,390 100 500
TARGET CORP Com 87612E106   2,408,591 14,542 SH   SOLE 0 14,542 0 0
TARGET CORP Com 87612E106   63,768 385 SH   DFND 0 385 0 0
3M CO Com 88579Y101   514,513 4,895 SH   SOLE 0 4,895 0 0
TOWNEBANK Com 89214P109   423,255 15,882 SH   SOLE 0 15,882 0 0
TOWNEBANK Com 89214P109   16,949 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109   8,571,956 251,377 SH   SOLE 0 250,877 0 500
TRUIST FINANCIAL CORP Com 89832Q109   64,381 1,888 SH   DFND 0 1,155 0 733
UNITED PARCEL SERVICE CL B Com 911312106   3,883,486 20,019 SH   SOLE 0 19,919 0 100
UNITED HEALTH GROUP INC Com 91324P102   281,191 595 SH   SOLE 0 595 0 0
VALERO ENERGY CORP Com 91913Y100   243,323 1,743 SH   SOLE 0 1,743 0 0
VERIZON COMMUNICATIONS Com 92343V104   3,180,191 81,774 SH   SOLE 0 81,174 200 400
VERIZON COMMUNICATIONS Com 92343V104   29,906 769 SH   DFND 0 769 0 0
VISA INC - CLASS A SHARES Com 92826C839   427,923 1,898 SH   SOLE 0 1,898 0 0
WAL-MART STORES INC Com 931142103   520,056 3,527 SH   SOLE 0 3,527 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   871,520 25,203 SH   SOLE 0 25,203 0 0
WEYERHAEUSER CO Com 962166104   2,050,045 68,040 SH   SOLE 0 68,040 0 0
WEYERHAEUSER CO Com 962166104   3,013 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101   2,268,078 17,172 SH   SOLE 0 16,872 0 300
ACCENTURE PLC CL A Com G1151C101   8,014,970 28,043 SH   SOLE 0 27,543 0 500
EATON CORP PLC Com G29183103   1,361,125 7,944 SH   SOLE 0 7,544 0 400