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 4,345 152,405 SH   SOLE 0 150,805 400 1,200
AT&T INC Com 00206R102 105 3,695 SH   DFND 0 3,023 0 672
ALTRIA GROUP INC Com 02209S103 565 14,630 SH   SOLE 0 14,630 0 0
ALTRIA GROUP INC Com 02209S103 23 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 7,061 27,780 SH   SOLE 0 27,730 0 50
APPLE INC Com 037833100 5,817 50,232 SH   SOLE 0 49,632 0 600
APPLE INC Com 037833100 162 1,400 SH   DFND 0 1,400 0 0
BAKER HUGHES CO Com 05722G100 811 61,000 SH   SOLE 0 60,500 0 500
BAXTER INTL INC Com 071813109 2,643 32,867 SH   SOLE 0 32,367 100 400
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 113 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 128 600 SH   DFND 0 600 0 0
BIOELECTRONICS CORP Com 09062H108 0 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM CL A Com 09260D107 3,978 76,200 SH   SOLE 0 75,750 0 450
CENTURYLINK INC Com 156700106 1,224 121,273 SH   SOLE 0 120,673 0 600
CENTURYLINK INC Com 156700106 0 48 SH   DFND 0 48 0 0
CHEVRON CORP Com 166764100 340 4,727 SH   SOLE 0 4,727 0 0
CISCO SYSTEMS Com 17275R102 5,763 146,294 SH   SOLE 0 145,394 300 600
CISCO SYSTEMS Com 17275R102 20 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 431 2,050 SH   SOLE 0 2,050 0 0
COCA-COLA CO Com 191216100 1,146 23,203 SH   SOLE 0 23,203 0 0
CONOCOPHILLIPS Com 20825C104 2,858 87,041 SH   SOLE 0 86,009 232 800
CONOCOPHILLIPS Com 20825C104 3 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 220 23,250 SH   SOLE 0 22,950 0 300
DISNEY COM STOCK Com 254687106 1,164 9,380 SH   SOLE 0 9,247 0 133
DOMINION ENERGY INC Com 25746U109 4,648 58,891 SH   SOLE 0 58,041 0 850
DOMINION ENERGY INC Com 25746U109 51 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 5,795 29,000 SH   SOLE 0 28,800 0 200
ENBRIDGE INC Com 29250N105 4,638 158,850 SH   SOLE 0 157,262 196 1,392
EXXON MOBIL CORPORATION Com 30231G102 2,659 77,463 SH   SOLE 0 76,699 100 664
EXXON MOBIL CORPORATION Com 30231G102 32 937 SH   DFND 0 826 0 111
FOX CORP - CLASS B Com 35137L204 1,404 50,208 SH   SOLE 0 49,275 0 933
GENERAL ELECTRIC CO Com 369604103 656 105,336 SH   SOLE 0 104,146 0 1,190
GENERAL ELECTRIC CO Com 369604103 21 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,756 187,375 SH   SOLE 0 185,675 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 512 1,845 SH   SOLE 0 1,845 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 757 4,600 SH   SOLE 0 4,600 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 49 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 257 1,332 SH   SOLE 0 1,332 0 0
INTEL CORP Com 458140100 8,072 155,890 SH   SOLE 0 154,890 200 800
INTEL CORP Com 458140100 8 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,401 11,518 SH   SOLE 0 11,518 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 12 100 SH   DFND 0 100 0 0
JOHNSON & JOHNSON Com 478160104 7,026 47,194 SH   SOLE 0 47,044 100 50
JOHNSON & JOHNSON Com 478160104 158 1,063 SH   DFND 0 900 0 163
KIMBERLY CLARK CORP Com 494368103 1,663 11,265 SH   SOLE 0 11,065 0 200
KINDER MORGAN INC Com 49456B101 2,654 215,250 SH   SOLE 0 214,150 0 1,100
KINDER MORGAN INC Com 49456B101 7 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 3,875 10,110 SH   SOLE 0 10,110 0 0
MARATHON OIL CORP Com 565849106 573 140,133 SH   SOLE 0 139,333 0 800
MARATHON OIL CORP Com 565849106 1 300 SH   DFND 0 300 0 0
MCDONALDS CORP Com 580135101 263 1,200 SH   SOLE 0 1,200 0 0
MERCK & CO INC NEW Com 58933Y105 1,274 15,356 SH   SOLE 0 15,195 0 161
MERCK & CO INC NEW Com 58933Y105 50 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 12,040 57,242 SH   SOLE 0 56,627 115 500
MICROSOFT CORP Com 594918104 168 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 364 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 3,644 13,130 SH   SOLE 0 12,655 75 400
NEXTERA ENERGY INC Com 65339F101 83 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 967 7,700 SH   SOLE 0 7,700 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,949 18,453 SH   SOLE 0 17,953 0 500
OLD POINT FINANCIAL CORPORATIO Com 680194107 2,833 186,996 SH   SOLE 0 168,294 0 18,702
OLD POINT FINANCIAL CORPORATIO Com 680194107 158 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 488 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 8,409 60,669 SH   SOLE 0 59,969 100 600
PEPSICO INC Com 713448108 215 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 1,631 44,437 SH   SOLE 0 44,237 200 0
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 123 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,047 13,957 SH   SOLE 0 13,357 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 45 600 SH   DFND 0 600 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,381 10,767 SH   SOLE 0 10,767 0 0
PROCTER & GAMBLE CO. Com 742718109 8,513 61,247 SH   SOLE 0 60,347 100 800
PROCTER & GAMBLE CO. Com 742718109 403 2,896 SH   DFND 0 500 0 2,396
RAYTHEON TECHNOLOGIES CORP Com 75513E101 6,299 109,466 SH   SOLE 0 109,232 0 234
RAYTHEON TECHNOLOGIES CORP Com 75513E101 16 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 4,441 81,901 SH   SOLE 0 81,201 100 600
SYSCO CORP Com 871829107 2,886 46,379 SH   SOLE 0 45,479 200 700
TARGET CORP Com 87612E106 2,344 14,887 SH   SOLE 0 14,787 0 100
TARGET CORP Com 87612E106 63 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 408 45,250 SH   SOLE 0 45,250 0 0
3M CO Com 88579Y101 777 4,848 SH   SOLE 0 4,848 0 0
3M CO Com 88579Y101 64 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 169 10,298 SH   SOLE 0 10,298 0 0
TOWNEBANK Com 89214P109 10 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 2,422 63,658 SH   SOLE 0 63,158 0 500
TRUIST FINANCIAL CORP Com 89832Q109 264 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 4,122 24,740 SH   SOLE 0 24,640 0 100
VERIZON COMMUNICATIONS Com 92343V104 5,866 98,605 SH   SOLE 0 97,705 300 600
VERIZON COMMUNICATIONS Com 92343V104 111 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 1,621 45,139 SH   SOLE 0 45,139 0 0
WEYERHAEUSER CO Com 962166104 2,337 81,930 SH   SOLE 0 81,930 0 0
WEYERHAEUSER CO Com 962166104 3 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 2,263 24,790 SH   SOLE 0 24,490 0 300
ACCENTURE PLC CL A Com G1151C101 8,652 38,286 SH   SOLE 0 37,686 0 600
EATON CORP PLC Com G29183103 959 9,402 SH   SOLE 0 9,002 0 400