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 4,313 151,134 SH   SOLE 0 148,424 600 2,110
AT&T INC Com 00206R102 166 5,817 SH   DFND 0 4,488 0 1,329
ALTRIA GROUP INC Com 02209S103 756 15,308 SH   SOLE 0 15,308 0 0
ALTRIA GROUP INC Com 02209S103 30 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 5,579 28,658 SH   SOLE 0 28,658 0 0
AMGEN INC Com 031162100 88 450 SH   DFND 0 450 0 0
APPLE INC Com 037833100 1,495 9,479 SH   SOLE 0 9,479 0 0
APPLE INC Com 037833100 55 350 SH   DFND 0 350 0 0
B B & T CORP Com 054937107 2,678 61,827 SH   SOLE 0 61,227 0 600
B B & T CORP Com 054937107 329 7,600 SH   DFND 0 2,250 0 5,350
BAKER HUGHES A GE CO LLC Com 05722G100 1,448 67,357 SH   SOLE 0 66,857 0 500
BAKER HUGHES A GE CO LLC Com 05722G100 26 1,200 SH   DFND 0 1,200 0 0
BANK OF AMERICA CORP Com 060505104 913 37,046 SH   SOLE 0 37,046 0 0
BANK OF AMERICA CORP Com 060505104 25 1,008 SH   DFND 0 0 0 1,008
BAXTER INTL INC Com 071813109 2,122 32,232 SH   SOLE 0 31,732 100 400
BAXTER INTL INC Com 071813109 46 700 SH   DFND 0 700 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 143 700 SH   SOLE 0 700 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 123 600 SH   DFND 0 600 0 0
CSX CORP Com 126408103 769 12,382 SH   SOLE 0 12,382 0 0
CENTURYLINK INC Com 156700106 982 64,800 SH   SOLE 0 64,100 0 700
CENTURYLINK INC Com 156700106 19 1,248 SH   DFND 0 1,248 0 0
CHEVRON CORP Com 166764100 509 4,677 SH   SOLE 0 4,677 0 0
CHEVRON CORP Com 166764100 33 300 SH   DFND 0 300 0 0
CISCO SYSTEMS Com 17275R102 6,092 140,594 SH   SOLE 0 139,736 300 558
CISCO SYSTEMS Com 17275R102 100 2,300 SH   DFND 0 2,000 0 300
CLOROX CO Com 189054109 424 2,750 SH   SOLE 0 2,750 0 0
COCA-COLA CO Com 191216100 1,689 35,673 SH   SOLE 0 34,673 0 1,000
COCA-COLA CO Com 191216100 9 200 SH   DFND 0 200 0 0
CONOCOPHILLIPS Com 20825C104 5,479 87,871 SH   SOLE 0 86,739 232 900
CONOCOPHILLIPS Com 20825C104 65 1,050 SH   DFND 0 1,050 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 780 34,600 SH   SOLE 0 34,300 0 300
DEVON ENERGY CORPORATION NEW Com 25179M103 16 700 SH   DFND 0 700 0 0
DOMINION ENERGY INC Com 25746U109 3,298 46,145 SH   SOLE 0 45,295 0 850
DOMINION ENERGY INC Com 25746U109 96 1,349 SH   DFND 0 1,349 0 0
DOWDUPONT INC Com 26078J100 635 11,877 SH   SOLE 0 11,877 0 0
DOWDUPONT INC Com 26078J100 7 128 SH   DFND 0 128 0 0
ECOLAB INC Com 278865100 3,724 25,275 SH   SOLE 0 25,075 0 200
ECOLAB INC Com 278865100 52 350 SH   DFND 0 350 0 0
ENBRIDGE INC Com 29250N105 4,386 141,123 SH   SOLE 0 139,537 196 1,390
ENBRIDGE INC Com 29250N105 56 1,800 SH   DFND 0 1,800 0 0
EXXON MOBIL CORPORATION Com 30231G102 4,833 70,875 SH   SOLE 0 70,111 100 664
EXXON MOBIL CORPORATION Com 30231G102 74 1,087 SH   DFND 0 976 0 111
GENERAL ELECTRIC CO Com 369604103 982 129,669 SH   SOLE 0 128,479 0 1,190
GENERAL ELECTRIC CO Com 369604103 40 5,300 SH   DFND 0 5,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,514 190,275 SH   SOLE 0 188,875 0 1,400
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 49 3,700 SH   DFND 0 3,600 0 100
HOME DEPOT INC. Com 437076102 365 2,127 SH   SOLE 0 2,127 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 746 5,650 SH   SOLE 0 5,650 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 99 750 SH   DFND 0 450 0 300
INTEL CORP Com 458140100 7,228 154,015 SH   SOLE 0 153,015 200 800
INTEL CORP Com 458140100 87 1,845 SH   DFND 0 1,800 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,234 10,860 SH   SOLE 0 10,860 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 40 350 SH   DFND 0 350 0 0
ISHARES COMEX GOLD TRUST Com 464285105 151 12,250 SH   SOLE 0 11,250 0 1,000
JOHNSON & JOHNSON Com 478160104 7,328 56,787 SH   SOLE 0 55,937 150 700
JOHNSON & JOHNSON Com 478160104 244 1,889 SH   DFND 0 1,500 0 389
KIMBERLY CLARK CORP Com 494368103 1,583 13,897 SH   SOLE 0 13,697 0 200
KIMBERLY CLARK CORP Com 494368103 17 150 SH   DFND 0 150 0 0
KINDER MORGAN INC Com 49456B101 2,894 188,150 SH   SOLE 0 187,150 0 1,000
KINDER MORGAN INC Com 49456B101 45 2,900 SH   DFND 0 2,800 0 100
LANCASTER COLONY CORP Com 513847103 354 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 2,447 9,347 SH   SOLE 0 9,347 0 0
LOCKHEED MARTIN CORP Com 539830109 52 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 1,231 27,050 SH   SOLE 0 26,650 0 400
MARATHON OIL CORP Com 565849106 2,220 154,810 SH   SOLE 0 154,010 0 800
MARATHON OIL CORP Com 565849106 42 2,900 SH   DFND 0 2,900 0 0
MARATHON PETROLEUM CORP Com 56585A102 413 7,007 SH   SOLE 0 7,007 0 0
MCDONALDS CORP Com 580135101 213 1,200 SH   SOLE 0 1,200 0 0
MERCK & CO INC NEW Com 58933Y105 2,365 30,945 SH   SOLE 0 30,484 0 461
MERCK & CO INC NEW Com 58933Y105 92 1,200 SH   DFND 0 1,200 0 0
MICROSOFT CORP. Com 594918104 6,507 64,061 SH   SOLE 0 63,405 200 456
MICROSOFT CORP. Com 594918104 193 1,900 SH   DFND 0 1,900 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 251 6,276 SH   SOLE 0 6,276 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 17 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 2,511 14,447 SH   SOLE 0 13,947 100 400
NEXTERA ENERGY INC Com 65339F101 52 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 571 7,700 SH   SOLE 0 7,700 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,629 24,271 SH   SOLE 0 23,771 0 500
OLD POINT FINANCIAL CORPORATIO Com 680194107 4,802 219,965 SH   SOLE 0 192,914 0 27,051
OLD POINT FINANCIAL CORPORATIO Com 680194107 308 14,101 SH   DFND 0 7,300 0 6,801
PPG INDUSTRIES, INC. Com 693506107 409 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 6,637 60,070 SH   SOLE 0 59,270 100 700
PEPSICO INC Com 713448108 246 2,227 SH   DFND 0 875 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 3,285 75,263 SH   SOLE 0 74,963 200 100
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 233 5,342 SH   DFND 0 3,092 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 980 14,672 SH   SOLE 0 14,072 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 40 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 314 3,650 SH   SOLE 0 3,550 0 100
PHILLIPS 66 Com 718546104 9 100 SH   DFND 0 100 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,408 15,249 SH   SOLE 0 15,249 0 0
T ROWE PRICE GROUP INC Com 74144T108 9 100 SH   DFND 0 100 0 0
PROCTER & GAMBLE CO. Com 742718109 5,871 63,869 SH   SOLE 0 62,869 100 900
PROCTER & GAMBLE CO. Com 742718109 330 3,586 SH   DFND 0 1,100 0 2,486
RAYTHEON COMPANY Com 755111507 6,240 40,688 SH   SOLE 0 40,388 0 300
RAYTHEON COMPANY Com 755111507 114 745 SH   DFND 0 745 0 0
SOUTHERN CO Com 842587107 3,380 76,958 SH   SOLE 0 76,158 100 700
SOUTHERN CO Com 842587107 42 950 SH   DFND 0 950 0 0
SYSCO CORP Com 871829107 4,781 76,303 SH   SOLE 0 75,403 200 700
SYSCO CORP Com 871829107 69 1,100 SH   DFND 0 1,100 0 0
TARGET CORP Com 87612E106 1,065 16,112 SH   SOLE 0 16,012 0 100
TARGET CORP Com 87612E106 33 500 SH   DFND 0 500 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 904 58,655 SH   SOLE 0 58,655 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 19 1,250 SH   DFND 0 1,250 0 0
3M CO Com 88579Y101 1,070 5,616 SH   SOLE 0 5,616 0 0
3M CO Com 88579Y101 76 400 SH   DFND 0 400 0 0
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 1,383 28,944 SH   SOLE 0 28,544 0 400
UNITED TECHNOLOGIES Com 913017109 828 7,775 SH   SOLE 0 7,775 0 0
UNITED TECHNOLOGIES Com 913017109 11 100 SH   DFND 0 100 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,334 94,878 SH   SOLE 0 93,878 400 600
VERIZON COMMUNICATIONS Com 92343V104 141 2,511 SH   DFND 0 1,819 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 3,359 49,154 SH   SOLE 0 49,154 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 61 900 SH   DFND 0 900 0 0
WATERSIDE CAPITAL CORP Com 941872103 1 14,940 SH   SOLE 0 14,940 0 0
WELLS FARGO & CO NEW Com 949746101 617 13,386 SH   SOLE 0 13,386 0 0
WELLS FARGO & CO NEW Com 949746101 5 100 SH   DFND 0 100 0 0
WEYERHAEUSER CO Com 962166104 1,897 86,780 SH   SOLE 0 86,180 0 600
WEYERHAEUSER CO Com 962166104 61 2,780 SH   DFND 0 2,780 0 0
YUM! BRANDS INC Com 988498101 2,677 29,120 SH   SOLE 0 28,820 0 300
YUM! BRANDS INC Com 988498101 9 100 SH   DFND 0 100 0 0
ACCENTURE PLC CL A Com G1151C101 6,282 44,551 SH   SOLE 0 43,951 0 600
ACCENTURE PLC CL A Com G1151C101 92 650 SH   DFND 0 650 0 0
EATON CORP PLC Com G29183103 840 12,228 SH   SOLE 0 11,828 0 400