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 1,298 54,919 SH   SOLE 0 54,619 300 0
AT&T INC Com 00206R102 64 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100 226 1,909 SH   SOLE 0 1,909 0 0
ABBOTT LABORATORIES Com 002824100 95 800 SH   DFND 0 800 0 0
ABBVIE INC Com 00287Y109 246 1,520 SH   SOLE 0 1,520 0 0
ALTRIA GROUP INC Com 02209S103 757 14,496 SH   SOLE 0 14,496 0 0
AMGEN INC Com 031162100 7,311 30,235 SH   SOLE 0 30,135 0 100
APPLE INC Com 037833100 9,643 55,225 SH   SOLE 0 54,625 0 600
APPLE INC Com 037833100 244 1,400 SH   DFND 0 1,400 0 0
BAKER HUGHES CO Com 05722G100 1,404 38,550 SH   SOLE 0 38,150 0 400
BAXTER INTL INC Com 071813109 2,223 28,665 SH   SOLE 0 28,265 100 300
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 187 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 212 600 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 9,053 71,320 SH   SOLE 0 70,495 75 750
BOEING CO. Com 097023105 218 1,140 SH   SOLE 0 1,140 0 0
CVS HEALTH CORP Com 126650100 253 2,499 SH   SOLE 0 2,499 0 0
CATERPILLAR INC Com 149123101 316 1,420 SH   SOLE 0 1,420 0 0
CHEVRON CORP Com 166764100 891 5,474 SH   SOLE 0 5,474 0 0
CISCO SYSTEMS Com 17275R102 8,089 145,061 SH   SOLE 0 144,111 150 800
CISCO SYSTEMS Com 17275R102 28 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 273 1,966 SH   SOLE 0 1,966 0 0
COCA-COLA CO Com 191216100 1,447 23,341 SH   SOLE 0 23,341 0 0
CONOCOPHILLIPS Com 20825C104 9,517 95,166 SH   SOLE 0 94,416 150 600
CONOCOPHILLIPS Com 20825C104 10 100 SH   DFND 0 100 0 0
COSTCO WHOLESALE CORP Com 22160K105 263 457 SH   SOLE 0 457 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 869 14,700 SH   SOLE 0 14,700 0 0
DISNEY COM STOCK Com 254687106 1,453 10,591 SH   SOLE 0 10,571 20 0
DOMINION ENERGY INC Com 25746U109 6,491 76,395 SH   SOLE 0 75,495 0 900
DOMINION ENERGY INC Com 25746U109 17 199 SH   DFND 0 199 0 0
ECOLAB INC Com 278865100 5,116 28,975 SH   SOLE 0 28,775 0 200
ENBRIDGE INC Com 29250N105 7,702 167,105 SH   SOLE 0 165,209 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 6,968 84,363 SH   SOLE 0 83,463 100 800
EXXON MOBIL CORPORATION Com 30231G102 77 937 SH   DFND 0 826 0 111
FIRST SOLAR INC Com 336433107 389 4,650 SH   SOLE 0 4,650 0 0
FOX CORP - CLASS B Com 35137L204 1,511 41,638 SH   SOLE 0 40,838 0 800
GENERAL ELECTRIC CO COM Com 369604301 1,210 13,224 SH   SOLE 0 13,101 0 123
GENERAL ELECTRIC CO COM Com 369604301 9 100 SH   DFND 0 100 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,608 156,067 SH   SOLE 0 154,367 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 400 1,335 SH   SOLE 0 1,335 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,152 5,919 SH   SOLE 0 5,919 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 58 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 282 1,349 SH   SOLE 0 1,349 0 0
INTEL CORP Com 458140100 7,509 151,511 SH   SOLE 0 150,611 200 700
INTEL CORP Com 458140100 7 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 2,062 15,859 SH   SOLE 0 15,659 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 13 100 SH   DFND 0 100 0 0
ISHARES MSCI EAFE INDEX FUND Com 464287465 231 3,135 SH   SOLE 0 3,135 0 0
JOHNSON & JOHNSON Com 478160104 8,961 50,561 SH   SOLE 0 50,411 50 100
JOHNSON & JOHNSON Com 478160104 226 1,275 SH   DFND 0 900 0 375
KIMBERLY CLARK CORP Com 494368103 1,178 9,566 SH   SOLE 0 9,366 0 200
KINDER MORGAN INC Com 49456B101 4,563 241,294 SH   SOLE 0 238,894 0 2,400
KINDER MORGAN INC Com 49456B101 11 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 4,689 10,623 SH   SOLE 0 10,623 0 0
LOWES COMPANIES Com 548661107 232 1,148 SH   SOLE 0 1,148 0 0
LUMEN TECHNOLOGIES INC Com 550241103 1,379 122,376 SH   SOLE 0 121,876 0 500
LUMEN TECHNOLOGIES INC Com 550241103 1 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 3,459 137,742 SH   SOLE 0 136,942 0 800
MARATHON PETROLEUM CORP Com 56585A102 510 5,966 SH   SOLE 0 5,966 0 0
MCDONALDS CORP Com 580135101 302 1,223 SH   SOLE 0 1,223 0 0
MERCK & CO INC NEW Com 58933Y105 1,230 14,995 SH   SOLE 0 14,995 0 0
MICROSOFT CORP Com 594918104 15,021 48,721 SH   SOLE 0 48,221 50 450
MICROSOFT CORP Com 594918104 247 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 379 6,044 SH   SOLE 0 6,044 0 0
NEXTERA ENERGY INC Com 65339F101 5,225 61,682 SH   SOLE 0 60,732 150 800
NEXTERA ENERGY INC Com 65339F101 102 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 828 6,154 SH   SOLE 0 6,154 0 0
NORFOLK SOUTHERN CORP. Com 655844108 4,979 17,456 SH   SOLE 0 17,056 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 4,449 181,573 SH   SOLE 0 165,344 0 16,229
OLD POINT FINANCIAL CORPORATIO Com 680194107 255 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 524 4,000 SH   SOLE 0 4,000 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 1,679 122,298 SH   SOLE 0 122,298 0 0
PEPSICO INC Com 713448108 9,800 58,552 SH   SOLE 0 57,987 65 500
PEPSICO INC Com 713448108 243 1,452 SH   DFND 0 100 0 1,352
PFIZER, INC Com 717081103 2,360 45,589 SH   SOLE 0 45,389 200 0
PFIZER, INC Com 717081103 173 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,207 12,848 SH   SOLE 0 12,248 0 600
PHILLIPS 66 Com 718546104 261 3,023 SH   SOLE 0 3,023 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,730 11,442 SH   SOLE 0 11,442 0 0
PROCTER & GAMBLE CO. Com 742718109 10,394 68,021 SH   SOLE 0 67,371 50 600
PROCTER & GAMBLE CO. Com 742718109 439 2,871 SH   DFND 0 500 0 2,371
RAYTHEON TECHNOLOGIES CORP Com 75513E101 10,757 108,584 SH   SOLE 0 108,334 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101 28 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 6,112 84,292 SH   SOLE 0 83,492 100 700
SYSCO CORP Com 871829107 2,886 35,345 SH   SOLE 0 34,745 100 500
TARGET CORP Com 87612E106 3,080 14,514 SH   SOLE 0 14,489 25 0
TARGET CORP Com 87612E106 85 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 381 40,550 SH   SOLE 0 40,550 0 0
3M CO Com 88579Y101 786 5,280 SH   SOLE 0 5,280 0 0
TOWNEBANK Com 89214P109 375 12,516 SH   SOLE 0 12,516 0 0
TOWNEBANK Com 89214P109 19 636 SH   DFND 0 0 0 636
TRAVELERS COMPANIES INC/THE Com 89417E109 230 1,260 SH   SOLE 0 1,260 0 0
TRUIST FINANCIAL CORP Com 89832Q109 3,090 54,506 SH   SOLE 0 54,006 0 500
TRUIST FINANCIAL CORP Com 89832Q109 393 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 4,431 20,663 SH   SOLE 0 20,563 0 100
VERIZON COMMUNICATIONS Com 92343V104 4,854 95,285 SH   SOLE 0 94,385 200 700
VERIZON COMMUNICATIONS Com 92343V104 74 1,461 SH   DFND 0 769 0 692
WAL-MART STORES INC Com 931142103 229 1,538 SH   SOLE 0 1,538 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 1,691 37,769 SH   SOLE 0 37,769 0 0
WEYERHAEUSER CO Com 962166104 2,542 67,074 SH   SOLE 0 67,074 0 0
WEYERHAEUSER CO Com 962166104 4 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 2,632 22,205 SH   SOLE 0 21,905 0 300
ACCENTURE PLC CL A Com G1151C101 11,020 32,678 SH   SOLE 0 32,178 0 500
EATON CORP PLC Com G29183103 1,211 7,979 SH   SOLE 0 7,579 0 400