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 448 29,218 SH   SOLE 0 29,218 0 0
AT&T INC Com 00206R102 41 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100 183 1,889 SH   SOLE 0 1,889 0 0
ABBOTT LABORATORIES Com 002824100 75 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109 255 1,903 SH   SOLE 0 1,903 0 0
ALTRIA GROUP INC Com 02209S103 545 13,496 SH   SOLE 0 13,496 0 0
AMAZON.COM INC Com 023135106 1,741 15,405 SH   SOLE 0 15,405 0 0
AMGEN INC Com 031162100 6,670 29,591 SH   SOLE 0 29,491 0 100
APPLE INC Com 037833100 8,277 59,889 SH   SOLE 0 59,289 0 600
APPLE INC Com 037833100 188 1,358 SH   DFND 0 1,358 0 0
BAKER HUGHES CO Com 05722G100 735 35,050 SH   SOLE 0 34,650 0 400
BANK OF AMERICA CORP Com 060505104 185 6,132 SH   SOLE 0 6,132 0 0
BANK OF AMERICA CORP Com 060505104 78 2,576 SH   DFND 0 1,568 0 1,008
BAXTER INTL INC Com 071813109 1,454 27,005 SH   SOLE 0 26,605 100 300
BAXTER INTL INC Com 071813109 5 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 210 786 SH   SOLE 0 786 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 152 570 SH   DFND 0 570 0 0
BIOELECTRONICS CORP Com 09062H108 0 550,000 SH   SOLE 0 550,000 0 0
BLACKSTONE GROUP INC COM Com 09260D107 5,606 66,980 SH   SOLE 0 66,155 75 750
BLACKSTONE GROUP INC COM Com 09260D107 21 250 SH   DFND 0 0 0 250
CVS HEALTH CORP Com 126650100 334 3,499 SH   SOLE 0 3,499 0 0
CHEVRON CORP Com 166764100 787 5,479 SH   SOLE 0 5,479 0 0
CISCO SYSTEMS Com 17275R102 5,764 144,089 SH   SOLE 0 143,139 150 800
CISCO SYSTEMS Com 17275R102 20 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 261 2,035 SH   SOLE 0 2,035 0 0
COCA-COLA CO Com 191216100 1,372 24,492 SH   SOLE 0 24,492 0 0
CONOCOPHILLIPS Com 20825C104 8,999 87,931 SH   SOLE 0 87,246 85 600
CONOCOPHILLIPS Com 20825C104 10 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 866 14,400 SH   SOLE 0 14,400 0 0
DISNEY COM STOCK Com 254687106 1,003 10,634 SH   SOLE 0 10,634 0 0
DOLLAR TREE INC Com 256746108 204 1,500 SH   SOLE 0 1,500 0 0
DOMINION ENERGY INC Com 25746U109 5,924 85,718 SH   SOLE 0 84,818 0 900
DOMINION ENERGY INC Com 25746U109 14 199 SH   DFND 0 199 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 243 2,608 SH   SOLE 0 2,608 0 0
ECOLAB INC Com 278865100 4,135 28,630 SH   SOLE 0 28,430 0 200
ENBRIDGE INC Com 29250N105 6,058 163,283 SH   SOLE 0 161,387 196 1,700
EXXON MOBIL CORPORATION Com 30231G102 7,596 86,999 SH   SOLE 0 86,099 100 800
EXXON MOBIL CORPORATION Com 30231G102 80 914 SH   DFND 0 803 0 111
FIRST SOLAR INC Com 336433107 615 4,650 SH   SOLE 0 4,650 0 0
FOX CORP - CLASS B Com 35137L204 1,090 38,238 SH   SOLE 0 37,438 0 800
GENERAL ELECTRIC CO COM Com 369604301 803 12,974 SH   SOLE 0 12,851 0 123
GENERAL ELECTRIC CO COM Com 369604301 14 234 SH   DFND 0 234 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,563 130,430 SH   SOLE 0 128,730 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 335 1,213 SH   SOLE 0 1,213 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 761 4,560 SH   SOLE 0 4,560 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 50 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 230 1,272 SH   SOLE 0 1,272 0 0
INTEL CORP Com 458140100 3,804 147,621 SH   SOLE 0 146,721 200 700
INTEL CORP Com 458140100 4 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,891 15,916 SH   SOLE 0 15,716 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101 12 100 SH   DFND 0 100 0 0
JOHNSON & JOHNSON Com 478160104 7,916 48,458 SH   SOLE 0 48,308 50 100
JOHNSON & JOHNSON Com 478160104 274 1,680 SH   DFND 0 1,305 0 375
KIMBERLY CLARK CORP Com 494368103 953 8,466 SH   SOLE 0 8,266 0 200
KINDER MORGAN INC Com 49456B101 3,964 238,195 SH   SOLE 0 235,795 0 2,400
KINDER MORGAN INC Com 49456B101 10 600 SH   DFND 0 500 0 100
LOCKHEED MARTIN CORP Com 539830109 3,945 10,213 SH   SOLE 0 10,213 0 0
LUMEN TECHNOLOGIES INC Com 550241103 748 102,690 SH   SOLE 0 102,190 0 500
LUMEN TECHNOLOGIES INC Com 550241103 0 48 SH   DFND 0 48 0 0
MARATHON OIL CORP Com 565849106 2,934 129,925 SH   SOLE 0 129,125 0 800
MARATHON PETROLEUM CORP Com 56585A102 891 8,966 SH   SOLE 0 8,966 0 0
MCDONALDS CORP Com 580135101 269 1,164 SH   SOLE 0 1,164 0 0
MERCK & CO INC NEW Com 58933Y105 1,397 16,220 SH   SOLE 0 16,220 0 0
MICROSOFT CORP Com 594918104 10,882 46,726 SH   SOLE 0 46,226 50 450
MICROSOFT CORP Com 594918104 179 770 SH   DFND 0 770 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 316 5,768 SH   SOLE 0 5,768 0 0
NEXTERA ENERGY INC Com 65339F101 4,828 61,569 SH   SOLE 0 60,619 150 800
NEXTERA ENERGY INC Com 65339F101 94 1,200 SH   DFND 0 0 0 1,200
NIKE, INC. Com 654106103 390 4,694 SH   SOLE 0 4,694 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,663 17,471 SH   SOLE 0 17,071 0 400
OLD POINT FINANCIAL CORPORATIO Com 680194107 5,191 187,203 SH   SOLE 0 170,974 0 16,229
OLD POINT FINANCIAL CORPORATIO Com 680194107 288 10,401 SH   DFND 0 3,600 0 6,801
ORACLE SYSTEMS CORP Com 68389X105 435 7,117 SH   SOLE 0 7,117 0 0
ORACLE SYSTEMS CORP Com 68389X105 6 100 SH   DFND 0 0 0 100
PPG INDUSTRIES, INC. Com 693506107 448 4,049 SH   SOLE 0 4,049 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 1,220 150,049 SH   SOLE 0 150,049 0 0
PEPSICO INC Com 713448108 9,072 55,568 SH   SOLE 0 55,003 65 500
PEPSICO INC Com 713448108 237 1,452 SH   DFND 0 100 0 1,352
PFIZER, INC Com 717081103 1,995 45,597 SH   SOLE 0 45,397 200 0
PFIZER, INC Com 717081103 145 3,305 SH   DFND 0 1,055 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,059 12,754 SH   SOLE 0 12,154 0 600
PHILLIPS 66 Com 718546104 291 3,603 SH   SOLE 0 3,603 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,116 10,632 SH   SOLE 0 10,632 0 0
PROCTER & GAMBLE CO. Com 742718109 8,254 65,378 SH   SOLE 0 64,728 50 600
PROCTER & GAMBLE CO. Com 742718109 359 2,846 SH   DFND 0 500 0 2,346
RAYTHEON TECHNOLOGIES CORP Com 75513E101 8,559 104,551 SH   SOLE 0 104,301 0 250
RAYTHEON TECHNOLOGIES CORP Com 75513E101 23 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 5,488 80,699 SH   SOLE 0 80,199 100 400
SYSCO CORP Com 871829107 2,114 29,895 SH   SOLE 0 29,295 100 500
TARGET CORP Com 87612E106 2,160 14,555 SH   SOLE 0 14,530 25 0
TARGET CORP Com 87612E106 57 385 SH   DFND 0 385 0 0
3M CO Com 88579Y101 579 5,236 SH   SOLE 0 5,236 0 0
TOWNEBANK Com 89214P109 427 15,928 SH   SOLE 0 15,928 0 0
TOWNEBANK Com 89214P109 17 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 3,723 85,512 SH   SOLE 0 85,012 0 500
TRUIST FINANCIAL CORP Com 89832Q109 396 9,105 SH   DFND 0 3,372 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 3,114 19,274 SH   SOLE 0 19,174 0 100
VERIZON COMMUNICATIONS Com 92343V104 2,744 72,278 SH   SOLE 0 71,678 200 400
VERIZON COMMUNICATIONS Com 92343V104 55 1,461 SH   DFND 0 769 0 692
VISA INC - CLASS A SHARES Com 92826C839 323 1,818 SH   SOLE 0 1,818 0 0
WAL-MART STORES INC Com 931142103 456 3,515 SH   SOLE 0 3,515 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 838 26,703 SH   SOLE 0 26,703 0 0
WEYERHAEUSER CO Com 962166104 1,810 63,390 SH   SOLE 0 63,390 0 0
WEYERHAEUSER CO Com 962166104 3 100 SH   DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 2,012 18,922 SH   SOLE 0 18,622 0 300
ACCENTURE PLC CL A Com G1151C101 7,672 29,818 SH   SOLE 0 29,318 0 500
EATON CORP PLC Com G29183103 1,017 7,629 SH   SOLE 0 7,229 0 400