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 4,201 138,782 SH   SOLE 0 137,182 400 1,200
AT&T INC Com 00206R102 106 3,494 SH   DFND 0 3,023 0 471
ALTRIA GROUP INC Com 02209S103 725 14,180 SH   SOLE 0 14,180 0 0
ALTRIA GROUP INC Com 02209S103 31 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 7,253 29,150 SH   SOLE 0 29,050 0 100
APPLE INC Com 037833100 6,426 52,605 SH   SOLE 0 52,005 0 600
APPLE INC Com 037833100 171 1,400 SH   DFND 0 1,400 0 0
BAKER HUGHES CO Com 05722G100 1,101 50,950 SH   SOLE 0 50,550 0 400
BAXTER INTL INC Com 071813109 2,734 32,417 SH   SOLE 0 32,017 100 300
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 135 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 153 600 SH   DFND 0 600 0 0
BIOELECTRONICS CORP Com 09062H108 2 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM Com 09260D107 5,519 74,050 SH   SOLE 0 73,600 0 450
CATERPILLAR INC Com 149123101 248 1,070 SH   SOLE 0 1,070 0 0
CHEVRON CORP Com 166764100 569 5,427 SH   SOLE 0 5,427 0 0
CISCO SYSTEMS Com 17275R102 7,646 147,869 SH   SOLE 0 146,769 300 800
CISCO SYSTEMS Com 17275R102 26 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 395 2,050 SH   SOLE 0 2,050 0 0
COCA-COLA CO Com 191216100 1,131 21,453 SH   SOLE 0 21,453 0 0
CONOCOPHILLIPS Com 20825C104 4,967 93,775 SH   SOLE 0 92,943 232 600
CONOCOPHILLIPS Com 20825C104 5 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 422 19,300 SH   SOLE 0 19,000 0 300
DISNEY COM STOCK Com 254687106 1,805 9,783 SH   SOLE 0 9,783 0 0
DOMINION ENERGY INC Com 25746U109 4,531 59,651 SH   SOLE 0 58,801 0 850
DOMINION ENERGY INC Com 25746U109 49 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 6,195 28,940 SH   SOLE 0 28,740 0 200
ENBRIDGE INC Com 29250N105 5,800 159,349 SH   SOLE 0 157,453 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 4,483 80,299 SH   SOLE 0 79,399 100 800
EXXON MOBIL CORPORATION Com 30231G102 52 937 SH   DFND 0 826 0 111
FOX CORP - CLASS B Com 35137L204 1,700 48,683 SH   SOLE 0 47,883 0 800
GENERAL ELECTRIC CO Com 369604103 1,319 100,436 SH   SOLE 0 99,446 0 990
GENERAL ELECTRIC CO Com 369604103 43 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,679 170,175 SH   SOLE 0 168,475 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 533 1,745 SH   SOLE 0 1,745 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 999 4,600 SH   SOLE 0 4,600 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 65 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 295 1,332 SH   SOLE 0 1,332 0 0
INTEL CORP Com 458140100 9,635 150,552 SH   SOLE 0 149,652 200 700
INTEL CORP Com 458140100 9 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,737 13,038 SH   SOLE 0 12,888 0 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 13 100 SH   DFND 0 100 0 0
ISHARES MSCI EAFE INDEX FUND Com 464287465 238 3,135 SH   SOLE 0 3,135 0 0
JOHNSON & JOHNSON Com 478160104 8,045 48,950 SH   SOLE 0 48,800 100 50
JOHNSON & JOHNSON Com 478160104 217 1,318 SH   DFND 0 900 0 418
KIMBERLY CLARK CORP Com 494368103 1,532 11,015 SH   SOLE 0 10,815 0 200
KINDER MORGAN INC Com 49456B101 3,755 225,500 SH   SOLE 0 223,100 0 2,400
KINDER MORGAN INC Com 49456B101 10 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 3,793 10,265 SH   SOLE 0 10,265 0 0
LUMEN TECHNOLOGIES INC Com 550241103 1,741 130,400 SH   SOLE 0 129,900 0 500
LUMEN TECHNOLOGIES INC Com 550241103 1 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 1,506 141,050 SH   SOLE 0 140,250 0 800
MARATHON PETROLEUM CORP Com 56585A102 330 6,166 SH   SOLE 0 6,166 0 0
MCDONALDS CORP Com 580135101 269 1,200 SH   SOLE 0 1,200 0 0
MERCK & CO INC NEW Com 58933Y105 1,169 15,162 SH   SOLE 0 15,162 0 0
MERCK & CO INC NEW Com 58933Y105 46 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 12,931 54,847 SH   SOLE 0 54,247 100 500
MICROSOFT CORP Com 594918104 189 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 371 6,344 SH   SOLE 0 6,344 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 24 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 4,436 58,665 SH   SOLE 0 57,665 200 800
NEXTERA ENERGY INC Com 65339F101 91 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 991 7,461 SH   SOLE 0 7,461 0 0
NORFOLK SOUTHERN CORP. Com 655844108 4,735 17,633 SH   SOLE 0 17,233 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 4,401 187,134 SH   SOLE 0 170,456 0 16,678
OLD POINT FINANCIAL CORPORATIO Com 680194107 245 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 601 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 8,490 60,019 SH   SOLE 0 59,419 100 500
PEPSICO INC Com 713448108 220 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC Com 717081103 1,662 45,876 SH   SOLE 0 45,676 200 0
PFIZER, INC Com 717081103 121 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,199 13,507 SH   SOLE 0 12,907 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 53 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 257 3,150 SH   SOLE 0 3,150 0 0
T ROWE PRICE GROUP INC Com 74144T108 2,208 12,867 SH   SOLE 0 12,867 0 0
PROCTER & GAMBLE CO. Com 742718109 8,689 64,155 SH   SOLE 0 63,455 100 600
PROCTER & GAMBLE CO. Com 742718109 392 2,896 SH   DFND 0 500 0 2,396
RAYTHEON TECHNOLOGIES CORP Com 75513E101 8,360 108,191 SH   SOLE 0 108,191 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101 22 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 5,122 82,401 SH   SOLE 0 81,901 100 400
SYSCO CORP Com 871829107 3,585 45,529 SH   SOLE 0 44,829 200 500
TARGET CORP Com 87612E106 2,940 14,842 SH   SOLE 0 14,842 0 0
TARGET CORP Com 87612E106 79 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 602 52,150 SH   SOLE 0 52,150 0 0
3M CO Com 88579Y101 934 4,848 SH   SOLE 0 4,848 0 0
3M CO Com 88579Y101 77 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 313 10,298 SH   SOLE 0 10,298 0 0
TOWNEBANK Com 89214P109 19 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 3,220 55,206 SH   SOLE 0 54,706 0 500
TRUIST FINANCIAL CORP Com 89832Q109 404 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 3,611 21,240 SH   SOLE 0 21,140 0 100
VERIZON COMMUNICATIONS Com 92343V104 5,793 99,626 SH   SOLE 0 98,826 300 500
VERIZON COMMUNICATIONS Com 92343V104 108 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 2,264 41,239 SH   SOLE 0 41,239 0 0
WEYERHAEUSER CO Com 962166104 2,700 75,830 SH   SOLE 0 75,830 0 0
WEYERHAEUSER CO Com 962166104 4 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 3,009 27,815 SH   SOLE 0 27,515 0 300
ACCENTURE PLC CL A Com G1151C101 10,161 36,781 SH   SOLE 0 36,281 0 500
EATON CORP PLC Com G29183103 1,293 9,352 SH   SOLE 0 8,952 0 400