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 864 41,239 SH   SOLE 0 41,239 0 0
AT&T INC Com 00206R102 57 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100 215 1,975 SH   SOLE 0 1,975 0 0
ABBOTT LABORATORIES Com 002824100 84 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109 233 1,520 SH   SOLE 0 1,520 0 0
ALTRIA GROUP INC Com 02209S103 644 15,409 SH   SOLE 0 15,409 0 0
AMAZON.COM INC Com 023135106 627 5,900 SH   SOLE 0 5,900 0 0
AMGEN INC Com 031162100 7,027 28,881 SH   SOLE 0 28,781 0 100
APPLE INC Com 037833100 7,848 57,400 SH   SOLE 0 56,800 0 600
APPLE INC Com 037833100 186 1,358 SH   DFND 0 1,358 0 0
BAKER HUGHES CO Com 05722G100 1,065 36,900 SH   SOLE 0 36,500 0 400
BANK OF AMERICA CORP Com 060505104 228 7,335 SH   SOLE 0 7,335 0 0
BANK OF AMERICA CORP Com 060505104 80 2,576 SH   DFND 0 1,568 0 1,008
BAXTER INTL INC Com 071813109 1,844 28,715 SH   SOLE 0 28,315 100 300
BAXTER INTL INC Com 071813109 6 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 145 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 156 570 SH   DFND 0 570 0 0
BIOELECTRONICS CORP Com 09062H108 1 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM Com 09260D107 6,325 69,335 SH   SOLE 0 68,510 75 750
BLACKSTONE GROUP INC COM Com 09260D107 23 250 SH   DFND 0 0 0 250
CVS HEALTH CORP Com 126650100 324 3,499 SH   SOLE 0 3,499 0 0
CATERPILLAR INC Com 149123101 254 1,420 SH   SOLE 0 1,420 0 0
CHEVRON CORP Com 166764100 796 5,498 SH   SOLE 0 5,498 0 0
CISCO SYSTEMS Com 17275R102 6,091 142,847 SH   SOLE 0 141,897 150 800
CISCO SYSTEMS Com 17275R102 22 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 280 1,986 SH   SOLE 0 1,986 0 0
COCA-COLA CO Com 191216100 1,540 24,476 SH   SOLE 0 24,476 0 0
CONOCOPHILLIPS Com 20825C104 8,305 92,476 SH   SOLE 0 91,791 85 600
CONOCOPHILLIPS Com 20825C104 9 100 SH   DFND 0 100 0 0
COSTCO WHOLESALE CORP Com 22160K105 219 457 SH   SOLE 0 457 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 810 14,700 SH   SOLE 0 14,700 0 0
DISNEY COM STOCK Com 254687106 980 10,381 SH   SOLE 0 10,381 0 0
DOMINION ENERGY INC Com 25746U109 6,060 75,930 SH   SOLE 0 75,030 0 900
DOMINION ENERGY INC Com 25746U109 16 199 SH   DFND 0 199 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 303 2,825 SH   SOLE 0 2,825 0 0
ECOLAB INC Com 278865100 4,376 28,460 SH   SOLE 0 28,260 0 200
ENBRIDGE INC Com 29250N105 6,961 164,723 SH   SOLE 0 162,827 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 7,276 84,957 SH   SOLE 0 84,057 100 800
EXXON MOBIL CORPORATION Com 30231G102 78 914 SH   DFND 0 803 0 111
FIRST SOLAR INC Com 336433107 317 4,650 SH   SOLE 0 4,650 0 0
FOX CORP - CLASS B Com 35137L204 1,204 40,538 SH   SOLE 0 39,738 0 800
GENERAL ELECTRIC CO COM Com 369604301 834 13,096 SH   SOLE 0 12,973 0 123
GENERAL ELECTRIC CO COM Com 369604301 15 234 SH   DFND 0 234 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,909 143,961 SH   SOLE 0 142,261 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 298 1,085 SH   SOLE 0 1,085 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,029 5,919 SH   SOLE 0 5,919 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 52 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 251 1,379 SH   SOLE 0 1,379 0 0
INTEL CORP Com 458140100 5,604 149,806 SH   SOLE 0 148,906 200 700
INTEL CORP Com 458140100 5 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 2,309 16,355 SH   SOLE 0 16,155 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 14 100 SH   DFND 0 100 0 0
JOHNSON & JOHNSON Com 478160104 8,662 48,797 SH   SOLE 0 48,647 50 100
JOHNSON & JOHNSON Com 478160104 298 1,680 SH   DFND 0 1,305 0 375
KIMBERLY CLARK CORP Com 494368103 1,252 9,266 SH   SOLE 0 9,066 0 200
KINDER MORGAN INC Com 49456B101 3,945 235,390 SH   SOLE 0 232,990 0 2,400
KINDER MORGAN INC Com 49456B101 10 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 4,460 10,373 SH   SOLE 0 10,373 0 0
LOWES COMPANIES Com 548661107 208 1,191 SH   SOLE 0 1,191 0 0
LUMEN TECHNOLOGIES INC Com 550241103 1,295 118,722 SH   SOLE 0 118,222 0 500
LUMEN TECHNOLOGIES INC Com 550241103 1 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 3,002 133,540 SH   SOLE 0 132,740 0 800
MARATHON PETROLEUM CORP Com 56585A102 737 8,966 SH   SOLE 0 8,966 0 0
MCDONALDS CORP Com 580135101 304 1,230 SH   SOLE 0 1,230 0 0
MERCK & CO INC NEW Com 58933Y105 1,509 16,547 SH   SOLE 0 16,547 0 0
MICROSOFT CORP Com 594918104 12,046 46,901 SH   SOLE 0 46,401 50 450
MICROSOFT CORP Com 594918104 198 770 SH   DFND 0 770 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 414 6,675 SH   SOLE 0 6,675 0 0
NEXTERA ENERGY INC Com 65339F101 4,821 62,238 SH   SOLE 0 61,288 150 800
NEXTERA ENERGY INC Com 65339F101 93 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 543 5,310 SH   SOLE 0 5,310 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,866 17,008 SH   SOLE 0 16,608 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 4,798 189,811 SH   SOLE 0 173,582 0 16,229
OLD POINT FINANCIAL CORPORATIO Com 680194107 263 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 457 4,000 SH   SOLE 0 4,000 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 1,142 125,898 SH   SOLE 0 125,898 0 0
PEPSICO INC Com 713448108 9,498 56,991 SH   SOLE 0 56,426 65 500
PEPSICO INC Com 713448108 242 1,452 SH   DFND 0 100 0 1,352
PFIZER, INC Com 717081103 2,553 48,687 SH   SOLE 0 48,487 200 0
PFIZER, INC Com 717081103 173 3,305 SH   DFND 0 1,055 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,346 13,631 SH   SOLE 0 13,031 0 600
PHILLIPS 66 Com 718546104 313 3,823 SH   SOLE 0 3,823 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,322 11,632 SH   SOLE 0 11,632 0 0
PROCTER & GAMBLE CO. Com 742718109 9,569 66,549 SH   SOLE 0 65,899 50 600
PROCTER & GAMBLE CO. Com 742718109 413 2,871 SH   DFND 0 500 0 2,371
RAYTHEON TECHNOLOGIES CORP Com 75513E101 10,150 105,607 SH   SOLE 0 105,357 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101 27 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 5,845 81,965 SH   SOLE 0 81,465 100 400
SYSCO CORP Com 871829107 2,799 33,045 SH   SOLE 0 32,445 100 500
TARGET CORP Com 87612E106 2,082 14,745 SH   SOLE 0 14,720 25 0
TARGET CORP Com 87612E106 54 385 SH   DFND 0 385 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 88 11,650 SH   SOLE 0 11,650 0 0
3M CO Com 88579Y101 686 5,298 SH   SOLE 0 5,298 0 0
TOWNEBANK Com 89214P109 392 14,455 SH   SOLE 0 14,455 0 0
TOWNEBANK Com 89214P109 17 636 SH   DFND 0 0 0 636
TRAVELERS COMPANIES INC/THE Com 89417E109 213 1,260 SH   SOLE 0 1,260 0 0
TRUIST FINANCIAL CORP Com 89832Q109 3,547 74,784 SH   SOLE 0 74,284 0 500
TRUIST FINANCIAL CORP Com 89832Q109 432 9,105 SH   DFND 0 3,372 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 3,662 20,061 SH   SOLE 0 19,961 0 100
VERIZON COMMUNICATIONS Com 92343V104 4,311 84,944 SH   SOLE 0 84,344 200 400
VERIZON COMMUNICATIONS Com 92343V104 74 1,461 SH   DFND 0 769 0 692
WAL-MART STORES INC Com 931142103 209 1,718 SH   SOLE 0 1,718 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 1,217 32,103 SH   SOLE 0 32,103 0 0
WARNER BROS DISCOVERY INC Com 934423104 132 9,844 SH   SOLE 0 9,771 73 0
WARNER BROS DISCOVERY INC Com 934423104 9 652 SH   DFND 0 635 0 17
WEYERHAEUSER CO Com 962166104 2,200 66,422 SH   SOLE 0 66,422 0 0
WEYERHAEUSER CO Com 962166104 3 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 2,447 21,555 SH   SOLE 0 21,255 0 300
ACCENTURE PLC CL A Com G1151C101 8,612 31,016 SH   SOLE 0 30,516 0 500
EATON CORP PLC Com G29183103 986 7,829 SH   SOLE 0 7,429 0 400