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   465,109 30,966 SH   SOLE 0 30,966 0 0
AT&T INC Com 00206R102   40,554 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100   334,714 3,456 SH   SOLE 0 3,456 0 0
ABBOTT LABORATORIES Com 002824100   74,575 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109   283,661 1,903 SH   SOLE 0 1,903 0 0
ALPHABET INC - CL A Com 02079K305   277,423 2,120 SH   SOLE 0 2,120 0 0
ALTRIA GROUP INC Com 02209S103   585,168 13,916 SH   SOLE 0 13,916 0 0
AMAZON.COM INC Com 023135106   3,539,275 27,842 SH   SOLE 0 27,842 0 0
AMGEN INC Com 031162100   7,628,484 28,384 SH   SOLE 0 28,234 0 150
AMGEN INC Com 031162100   120,942 450 SH   DFND 0 450 0 0
ANALOG DEVICES INC Com 032654105   224,991 1,285 SH   SOLE 0 1,285 0 0
APPLE INC Com 037833100   10,158,232 59,332 SH   SOLE 0 58,732 0 600
APPLE INC Com 037833100   444,804 2,598 SH   DFND 0 2,598 0 0
BAKER HUGHES CO Com 05722G100   1,426,928 40,400 SH   SOLE 0 39,900 0 500
BANK OF AMERICA CORP Com 060505104   220,217 8,043 SH   SOLE 0 8,043 0 0
BAXTER INTL INC Com 071813109   885,418 23,461 SH   SOLE 0 23,061 0 400
BAXTER INTL INC Com 071813109   26,418 700 SH   DFND 0 700 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   284,093 811 SH   SOLE 0 811 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   199,671 570 SH   DFND 0 570 0 0
BIOELECTRONICS CORP Com 09062H108   220 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE INC Com 09260D107   7,401,231 69,080 SH   SOLE 0 68,130 0 950
BLACKSTONE INC Com 09260D107   107,140 1,000 SH   DFND 0 1,000 0 0
BOEING CO. Com 097023105   373,009 1,946 SH   SOLE 0 1,946 0 0
CATERPILLAR INC Com 149123101   332,241 1,217 SH   SOLE 0 1,217 0 0
CHEVRON CORP Com 166764100   936,347 5,553 SH   SOLE 0 5,553 0 0
CISCO SYSTEMS Com 17275R102   7,207,119 134,061 SH   SOLE 0 133,461 0 600
CISCO SYSTEMS Com 17275R102   134,938 2,510 SH   DFND 0 2,300 0 210
CLOROX CO Com 189054109   251,504 1,919 SH   SOLE 0 1,919 0 0
COCA-COLA CO Com 191216100   1,348,838 24,095 SH   SOLE 0 24,095 0 0
CONOCOPHILLIPS Com 20825C104   10,217,263 85,286 SH   SOLE 0 84,586 0 700
CONOCOPHILLIPS Com 20825C104   155,740 1,300 SH   DFND 0 1,300 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103   784,665 16,450 SH   SOLE 0 16,350 0 100
WALT DISNEY CO/THE Com 254687106   825,818 10,189 SH   SOLE 0 10,189 0 0
DOMINION ENERGY INC Com 25746U109   3,623,005 81,106 SH   SOLE 0 80,206 0 900
DOMINION ENERGY INC Com 25746U109   8,889 199 SH   DFND 0 199 0 0
ECOLAB INC Com 278865100   4,878,381 28,798 SH   SOLE 0 28,548 0 250
ECOLAB INC Com 278865100   76,230 450 SH   DFND 0 450 0 0
ENBRIDGE INC Com 29250N105   5,037,512 151,778 SH   SOLE 0 149,878 0 1,900
ENBRIDGE INC Com 29250N105   79,656 2,400 SH   DFND 0 2,400 0 0
EXXON MOBIL CORPORATION Com 30231G102   10,415,119 88,579 SH   SOLE 0 87,779 0 800
EXXON MOBIL CORPORATION Com 30231G102   119,226 1,014 SH   DFND 0 903 0 111
FIRST SOLAR INC Com 336433107   775,632 4,800 SH   SOLE 0 4,800 0 0
FOX CORP - CLASS B Com 35137L204   871,425 30,174 SH   SOLE 0 30,174 0 0
FOX CORP - CLASS B Com 35137L204   37,544 1,300 SH   DFND 0 1,300 0 0
GENERAL ELECTRIC CO COM Com 369604301   1,325,716 11,992 SH   SOLE 0 11,967 0 25
GENERAL ELECTRIC CO COM Com 369604301   10,613 96 SH   DFND 0 96 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   2,130,083 122,630 SH   SOLE 0 120,430 0 2,200
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   10,422 600 SH   DFND 0 500 0 100
HOME DEPOT INC. Com 437076102   387,973 1,284 SH   SOLE 0 1,284 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,041,934 5,640 SH   SOLE 0 5,640 0 0
ILLINOIS TOOL WORKS Com 452308109   300,555 1,305 SH   SOLE 0 1,305 0 0
INTEL CORP Com 458140100   4,950,515 139,255 SH   SOLE 0 138,355 0 900
INTEL CORP Com 458140100   86,920 2,445 SH   DFND 0 2,400 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101   2,478,961 17,669 SH   SOLE 0 17,519 0 150
INTERNATIONAL BUSINESS MACHINE Com 459200101   210,450 1,500 SH   DFND 0 1,500 0 0
JOHNSON & JOHNSON Com 478160104   7,504,814 48,185 SH   SOLE 0 48,135 0 50
JOHNSON & JOHNSON Com 478160104   156,529 1,005 SH   DFND 0 930 0 75
KIMBERLY CLARK CORP Com 494368103   1,008,010 8,341 SH   SOLE 0 8,341 0 0
KINDER MORGAN INC Com 49456B101   4,054,556 244,545 SH   SOLE 0 241,745 0 2,800
KINDER MORGAN INC Com 49456B101   64,662 3,900 SH   DFND 0 3,800 0 100
LOCKHEED MARTIN CORP Com 539830109   4,305,122 10,527 SH   SOLE 0 10,527 0 0
LOCKHEED MARTIN CORP Com 539830109   4,090 10 SH   DFND 0 10 0 0
LOWES COMPANIES Com 548661107   212,828 1,024 SH   SOLE 0 1,024 0 0
MARATHON OIL CORP Com 565849106   3,346,024 125,085 SH   SOLE 0 123,985 0 1,100
MARATHON OIL CORP Com 565849106   5,350 200 SH   DFND 0 200 0 0
MARATHON PETROLEUM CORP Com 56585A102   1,013,978 6,700 SH   SOLE 0 6,700 0 0
MCDONALDS CORP Com 580135101   306,644 1,164 SH   SOLE 0 1,164 0 0
MERCK & CO INC NEW Com 58933Y105   1,803,684 17,520 SH   SOLE 0 17,520 0 0
MICROSOFT CORP Com 594918104   13,531,151 42,854 SH   SOLE 0 42,404 0 450
MICROSOFT CORP Com 594918104   568,350 1,800 SH   DFND 0 1,800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105   464,772 6,697 SH   SOLE 0 6,697 0 0
NEXTERA ENERGY INC Com 65339F101   4,088,043 71,357 SH   SOLE 0 70,557 0 800
NEXTERA ENERGY INC Com 65339F101   95,961 1,675 SH   DFND 0 1,675 0 0
NIKE, INC. Com 654106103   399,118 4,174 SH   SOLE 0 4,174 0 0
NORFOLK SOUTHERN CORP. Com 655844108   3,193,614 16,217 SH   SOLE 0 15,817 0 400
NORFOLK SOUTHERN CORP. Com 655844108   118,158 600 SH   DFND 0 600 0 0
NVIDIA CORP Com 67066G104   339,292 780 SH   SOLE 0 780 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107   4,892,944 267,813 SH   SOLE 0 252,569 0 15,244
OLD POINT FINANCIAL CORPORATIO Com 680194107   183,321 10,034 SH   DFND 0 3,233 0 6,801
ORACLE CORP Com 68389X105   700,979 6,618 SH   SOLE 0 6,618 0 0
ORACLE CORP Com 68389X105   10,592 100 SH   DFND 0 0 0 100
PPG INDUSTRIES, INC. Com 693506107   525,690 4,050 SH   SOLE 0 4,050 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108   2,581,584 161,349 SH   SOLE 0 160,649 0 700
PALANTIR TECHNOLOGIES INC - A Com 69608A108   35,200 2,200 SH   DFND 0 2,200 0 0
PEPSICO INC Com 713448108   9,192,459 54,252 SH   SOLE 0 53,652 0 600
PEPSICO INC Com 713448108   148,260 875 SH   DFND 0 875 0 0
PFIZER, INC Com 717081103   1,810,153 54,572 SH   SOLE 0 54,472 0 100
PFIZER, INC Com 717081103   38,311 1,155 SH   DFND 0 1,155 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109   1,184,006 12,789 SH   SOLE 0 12,189 0 600
PHILLIPS 66 Com 718546104   444,915 3,703 SH   SOLE 0 3,703 0 0
T ROWE PRICE GROUP INC Com 74144T108   1,395,505 13,307 SH   SOLE 0 13,307 0 0
PROCTER & GAMBLE CO. Com 742718109   9,040,549 61,981 SH   SOLE 0 61,281 0 700
PROCTER & GAMBLE CO. Com 742718109   201,287 1,380 SH   DFND 0 1,300 0 80
RTX CORPORATION Com 75513E101   7,109,269 98,781 SH   SOLE 0 98,298 0 483
RTX CORPORATION Com 75513E101   158,262 2,199 SH   DFND 0 2,199 0 0
SPDR GOLD TRUST Com 78463V107   473,545 2,762 SH   SOLE 0 2,762 0 0
SOUTHERN CO Com 842587107   5,183,490 80,091 SH   SOLE 0 79,591 0 500
SOUTHERN CO Com 842587107   84,136 1,300 SH   DFND 0 1,300 0 0
SYSCO CORP Com 871829107   2,200,390 33,314 SH   SOLE 0 32,714 0 600
SYSCO CORP Com 871829107   4,954 75 SH   DFND 0 75 0 0
TARGET CORP Com 87612E106   1,544,995 13,973 SH   SOLE 0 13,973 0 0
TARGET CORP Com 87612E106   42,569 385 SH   DFND 0 385 0 0
3M CO Com 88579Y101   371,671 3,970 SH   SOLE 0 3,970 0 0
TOWNEBANK Com 89214P109   303,272 13,226 SH   SOLE 0 13,226 0 0
TOWNEBANK Com 89214P109   14,583 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109   6,349,045 221,917 SH   SOLE 0 221,417 0 500
TRUIST FINANCIAL CORP Com 89832Q109   96,931 3,388 SH   DFND 0 2,655 0 733
UNITED PARCEL SERVICE CL B Com 911312106   3,050,999 19,574 SH   SOLE 0 19,474 0 100
UNITED PARCEL SERVICE CL B Com 911312106   96,639 620 SH   DFND 0 620 0 0
UNITED HEALTH GROUP INC Com 91324P102   299,993 595 SH   SOLE 0 595 0 0
VALERO ENERGY CORP Com 91913Y100   247,001 1,743 SH   SOLE 0 1,743 0 0
VERIZON COMMUNICATIONS Com 92343V104   2,542,111 78,436 SH   SOLE 0 77,536 0 900
VERIZON COMMUNICATIONS Com 92343V104   70,297 2,169 SH   DFND 0 2,169 0 0
VISA INC - CLASS A SHARES Com 92826C839   389,407 1,693 SH   SOLE 0 1,693 0 0
WALMART INC Com 931142103   562,954 3,520 SH   SOLE 0 3,520 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   463,771 20,853 SH   SOLE 0 20,753 0 100
WALGREENS BOOTS ALLIANCE INC Com 931427108   17,792 800 SH   DFND 0 800 0 0
METAVESCO INC Com 941872103   7,542 142,310 SH   SOLE 0 142,310 0 0
WEYERHAEUSER CO Com 962166104   2,067,097 67,420 SH   SOLE 0 67,320 0 100
WEYERHAEUSER CO Com 962166104   55,188 1,800 SH   DFND 0 1,800 0 0
YUM! BRANDS INC Com 988498101   2,163,586 17,317 SH   SOLE 0 16,917 0 400
ACCENTURE PLC CL A Com G1151C101   8,335,887 27,143 SH   SOLE 0 26,693 0 450
ACCENTURE PLC CL A Com G1151C101   6,142 20 SH   DFND 0 20 0 0
EATON CORP PLC Com G29183103   1,997,154 9,364 SH   SOLE 0 8,964 0 400