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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC Com 001055102   77,798 943 SH   SOLE 0 943 0 0
AT&T INC Com 00206R102   413,795 24,660 SH   SOLE 0 24,660 0 0
AT&T INC Com 00206R102   45,306 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100   372,587 3,385 SH   SOLE 0 3,385 0 0
ABBOTT LABORATORIES Com 002824100   84,754 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109   294,908 1,903 SH   SOLE 0 1,903 0 0
ADOBE SYS INC Com 00724F101   24,461 41 SH   SOLE 0 41 0 0
ADVANCED MICRO DEVICS Com 007903107   237,330 1,610 SH   SOLE 0 1,610 0 0
AGILENT TECHNOLOGIES INC Com 00846U101   449,901 3,236 SH   SOLE 0 3,236 0 0
AIR PRODUCTS & CHEMS INC Com 009158106   12,869 47 SH   SOLE 0 47 0 0
ALBEMARLE CORP Com 012653101   294,739 2,040 SH   SOLE 0 2,040 0 0
ALIBABA GROUP HOLDING-SP ADR Com 01609W102   3,876 50 SH   SOLE 0 50 0 0
ALLIANCE RESOURCE PARTNERS Com 01877R108   21,180 1,000 SH   SOLE 0 1,000 0 0
ALPHABET INC - CL C Com 02079K107   19,730 140 SH   SOLE 0 140 0 0
ALPHABET INC - CL A Com 02079K305   1,056,056 7,560 SH   SOLE 0 7,490 0 70
ALTRIA GROUP INC Com 02209S103   500,861 12,416 SH   SOLE 0 12,416 0 0
AMAZON.COM INC Com 023135106   4,493,170 29,572 SH   SOLE 0 29,507 0 65
AMERICAN INTERNATIONAL GROUP Com 026874784   5,352 79 SH   SOLE 0 79 0 0
AMERICAN WATER WORKS INC Com 030420103   73,518 557 SH   SOLE 0 557 0 0
AMGEN INC Com 031162100   8,021,069 27,849 SH   SOLE 0 27,799 0 50
AMGEN INC Com 031162100   129,609 450 SH   DFND 0 450 0 0
ANALOG DEVICES INC Com 032654105   352,444 1,775 SH   SOLE 0 1,775 0 0
ANGEL OAK FINANCIAL STRAT INC Com 03464A100   23,820 2,000 SH   SOLE 0 2,000 0 0
ANHEUSER BUSCH INBEV SA/NV SPO Com 03524A108   4,717 73 SH   SOLE 0 73 0 0
ELEVANCE HEALTH INC Com 036752103   434,778 922 SH   SOLE 0 922 0 0
APOLLO GLOBAL MANAGEMENT INC Com 03769M106   12,301 132 SH   SOLE 0 132 0 0
APPLE INC Com 037833100   10,757,229 55,873 SH   SOLE 0 55,273 0 600
APPLE INC Com 037833100   500,193 2,598 SH   DFND 0 2,598 0 0
ARCHER DANIELS MIDLAND CO Com 039483102   294,008 4,071 SH   SOLE 0 4,071 0 0
ASTRAZENECA PLC-SPONS ADR Com 046353108   82,504 1,225 SH   SOLE 0 1,225 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107   7,929 217 SH   SOLE 0 217 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   61,038 262 SH   SOLE 0 262 0 0
AUTOZON INC Com 053332102   15,514 6 SH   SOLE 0 6 0 0
AXA ADR Com 054536107   1,042 32 SH   SOLE 0 32 0 0
BCE INC NEW Com 05534B760   19,690 500 SH   SOLE 0 500 0 0
BP PLC SPONSORED ADR Com 055622104   74,340 2,100 SH   SOLE 0 2,100 0 0
BAKER HUGHES CO Com 05722G100   1,375,745 40,250 SH   SOLE 0 39,750 0 500
BANK OF AMERICA CORP Com 060505104   481,447 14,299 SH   SOLE 0 14,299 0 0
BANK OF AMERICA CORP 6 PFD ST Pfd Stk 060505229   25,050 1,000 SH   SOLE 0 1,000 0 0
BANK OF AMERICA CORP PFD Pfd Stk 06055H202   19,530 900 SH   SOLE 0 900 0 0
BARRICK GOLD CORP Com 067901108   7,236 400 SH   SOLE 0 400 0 0
BAXTER INTL INC Com 071813109   888,407 22,980 SH   SOLE 0 22,580 0 400
BAXTER INTL INC Com 071813109   27,062 700 SH   DFND 0 700 0 0
BECTON DICKINSON & CO Com 075887109   28,528 117 SH   SOLE 0 117 0 0
WR BERKLEY CORP Com 084423102   235,498 3,330 SH   SOLE 0 3,330 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   198,303 556 SH   SOLE 0 556 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   203,296 570 SH   DFND 0 570 0 0
BHP BILLITON LTD SPON ADR Com 088606108   9,768 143 SH   SOLE 0 143 0 0
BIOELECTRONICS CORP Com 09062H108   110 550,000 SH   SOLE 0 550,000 0 0
BLACKROCK INC Com 09247X101   24,354 30 SH   SOLE 0 30 0 0
BLACKSTONE INC Com 09260D107   8,722,545 66,625 SH   SOLE 0 65,975 0 650
BLACKSTONE INC Com 09260D107   130,920 1,000 SH   DFND 0 1,000 0 0
BOEING CO. Com 097023105   533,310 2,046 SH   SOLE 0 2,046 0 0
BOSTON CAPITAL TAX CRED-SER 3 Com 100567882   5,742 1,250 SH   SOLE 0 1,250 0 0
BRIGHTHOUSE FINANCIAL INC 5 3/ Pfd Stk 10922N707   27,570 1,500 SH   SOLE 0 1,500 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108   283,796 5,531 SH   SOLE 0 5,531 0 0
BROADCOM INC COM Com 11135F101   7,814 7 SH   SOLE 0 7 0 0
BROOKFIELD CORP VTG SHS CL A Com 11271J107   6,018 150 SH   SOLE 0 150 0 0
BROOKFIELD ASSET MGMT LTD CL A Com 113004105   1,486 37 SH   SOLE 0 37 0 0
C & F FINANCIAL CORPORATION Com 12466Q104   47,733 700 SH   SOLE 0 700 0 0
CIGNA GROUP Com 125523100   115,288 385 SH   SOLE 0 385 0 0
CSX CORP Com 126408103   56,824 1,639 SH   SOLE 0 1,639 0 0
CVS HEALTH CORP Com 126650100   151,287 1,916 SH   SOLE 0 1,916 0 0
CANADIAN PACIFIC KANSAS CITY L Com 13646K108   197,650 2,500 SH   SOLE 0 2,500 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   24,913 190 SH   SOLE 0 190 0 0
CAPITAL ONE FINANCIAL CO 4.25 Pfd Stk 14040H733   32,120 2,000 SH   SOLE 0 2,000 0 0
CATERPILLAR INC Com 149123101   359,830 1,217 SH   SOLE 0 1,217 0 0
CHARTER COMMUNICATIONS INC NEW Com 16119P108   2,332 6 SH   DFND 0 0 0 6
CHESAPEAKE FINANCIAL SHS, INC. Com 16517A109   31,622 1,728 SH   SOLE 0 1,728 0 0
CHEVRON CORP Com 166764100   837,981 5,618 SH   SOLE 0 5,618 0 0
CHIPOTLE MEXICAN GRILL INC Com 169656105   22,870 10 SH   SOLE 0 10 0 0
CHURCH & DWIGHT CO INC Com 171340102   94,560 1,000 SH   SOLE 0 1,000 0 0
CISCO SYSTEMS Com 17275R102   6,799,537 134,591 SH   SOLE 0 133,991 0 600
CISCO SYSTEMS Com 17275R102   126,805 2,510 SH   DFND 0 2,300 0 210
CLOROX CO Com 189054109   270,778 1,899 SH   SOLE 0 1,899 0 0
COCA COLA BOTTLING CO CONS Com 191098102   92,840 100 SH   SOLE 0 100 0 0
COCA-COLA CO Com 191216100   1,470,893 24,960 SH   SOLE 0 24,960 0 0
COLGATE PALMOLIVE CO. Com 194162103   166,674 2,091 SH   SOLE 0 2,091 0 0
COMCAST CORP CL A Com 20030N101   28,459 649 SH   SOLE 0 649 0 0
CONAGRA BRANDS INC Com 205887102   4,299 150 SH   SOLE 0 150 0 0
CONAGRA BRANDS INC Com 205887102   2,866 100 SH   DFND 0 0 0 100
CONOCOPHILLIPS Com 20825C104   9,768,683 84,162 SH   SOLE 0 83,462 0 700
CONOCOPHILLIPS Com 20825C104   150,891 1,300 SH   DFND 0 1,300 0 0
CONSOLIDATED EDISON INC Com 209115104   22,743 250 SH   SOLE 0 250 0 0
CONSTELLATION ENERGY CORPORATI Com 21037T109   42,782 366 SH   SOLE 0 366 0 0
CORNING INC Com 219350105   12,271 403 SH   SOLE 0 403 0 0
CORTEVA INC Com 22052L104   32,394 676 SH   SOLE 0 676 0 0
COSTCO WHOLESALE CORP Com 22160K105   159,079 241 SH   SOLE 0 241 0 0
CROWDSTRIKE HOLDINGS INC - A Com 22788C105   39,064 153 SH   DFND 0 153 0 0
CROWN CASTLE INC Com 22822V101   5,184 45 SH   SOLE 0 45 0 0
DANAHER CORP Com 235851102   125,618 543 SH   SOLE 0 543 0 0
DEERE & CO Com 244199105   254,717 637 SH   SOLE 0 637 0 0
DELL TECHNOLOGIES INC COM CL C Com 24703L202   13,923 182 SH   SOLE 0 182 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103   730,463 16,125 SH   SOLE 0 16,025 0 100
WALT DISNEY CO/THE Com 254687106   783,085 8,673 SH   SOLE 0 8,673 0 0
DOLLAR TREE INC Com 256746108   213,075 1,500 SH   SOLE 0 1,500 0 0
DOMINION ENERGY INC Com 25746U109   3,580,460 76,180 SH   SOLE 0 75,780 0 400
DOMINION ENERGY INC Com 25746U109   9,353 199 SH   DFND 0 199 0 0
DOW INC Com 260557103   44,091 804 SH   SOLE 0 804 0 0
DRAFTKINGS INC NEW CL A Com 26142V105   21,150 600 SH   SOLE 0 600 0 0
DUKE ENERGY CORP NEW COM Com 26441C204   127,414 1,313 SH   SOLE 0 1,313 0 0
DUPONT DE NEMOURS INC Com 26614N102   16,386 213 SH   SOLE 0 213 0 0
ECOLAB INC Com 278865100   5,185,464 26,143 SH   SOLE 0 25,943 0 200
ECOLAB INC Com 278865100   89,258 450 SH   DFND 0 450 0 0
EMERSON ELECTRIC CO Com 291011104   10,706 110 SH   SOLE 0 110 0 0
ENBRIDGE INC Com 29250N105   5,333,373 148,067 SH   SOLE 0 146,867 0 1,200
ENBRIDGE INC Com 29250N105   86,448 2,400 SH   DFND 0 2,400 0 0
ENTERGY CORP NEW Com 29364G103   35,417 350 SH   SOLE 0 350 0 0
EXELON CORPORATION Com 30161N101   39,490 1,100 SH   SOLE 0 1,100 0 0
EXXON MOBIL CORPORATION Com 30231G102   9,188,662 91,905 SH   SOLE 0 91,605 0 300
EXXON MOBIL CORPORATION Com 30231G102   101,380 1,014 SH   DFND 0 903 0 111
META PLATFORMS INC Com 30303M102   127,426 360 SH   SOLE 0 360 0 0
FACTSET RESEARCH SYSTEMS INC Com 303075105   15,743 33 SH   SOLE 0 33 0 0
FEDERAL RLTY INVT TR NEW Com 313745101   166,529 1,616 SH   SOLE 0 1,616 0 0
FEDEX CORPORATION Com 31428X106   50,594 200 SH   SOLE 0 200 0 0
FIFTH THIRD BANCORP Com 316773100   1,725 50 SH   SOLE 0 50 0 0
FIRST SOLAR INC Com 336433107   783,874 4,550 SH   SOLE 0 4,550 0 0
FIRSTENERGY CORP Com 337932107   9,642 263 SH   SOLE 0 263 0 0
FORTUNE BRANDS INNOVATIONS INC Com 34964C106   18,197 239 SH   SOLE 0 239 0 0
FOX CORP - CLASS B Com 35137L204   715,001 25,859 SH   SOLE 0 25,859 0 0
FOX CORP - CLASS B Com 35137L204   35,945 1,300 SH   DFND 0 1,300 0 0
FRANKLIN VA TAX FREE INCOME FU Com 354723769   167,171 16,667 SH   SOLE 0 16,667 0 0
FULTON FINANCIAL CORP Com 360271100   37,529 2,280 SH   SOLE 0 2,280 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   138,403 1,790 SH   SOLE 0 1,790 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   2,397 31 SH   DFND 0 31 0 0
GENERAL DYNAMICS CORP Com 369550108   22,591 87 SH   SOLE 0 87 0 0
GENERAL ELECTRIC CO COM Com 369604301   1,246,307 9,765 SH   SOLE 0 9,765 0 0
GENERAL ELECTRIC CO COM Com 369604301   12,252 96 SH   DFND 0 96 0 0
GENERAL MILLS INC Com 370334104   13,028 200 SH   SOLE 0 200 0 0
GENERAL MOTORS CO Com 37045V100   17,960 500 SH   SOLE 0 500 0 0
GSK PLC SPON ADS EACH REP 2 OR Com 37733W204   20,754 560 SH   SOLE 0 560 0 0
GLOBAL PAYMENTS INC Com 37940X102   76,200 600 SH   SOLE 0 600 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   230,690 598 SH   SOLE 0 598 0 0
GRAPHIC PACKAGING HOLDING CO Com 388689101   26,770 1,086 SH   SOLE 0 1,086 0 0
HALEON PLC - ADR Com 405552100   4,115 500 SH   SOLE 0 500 0 0
HALLIBURTON CO. Com 406216101   10,845 300 SH   SOLE 0 300 0 0
HANCOCK HOLDING CO Com 410120109   48,590 1,000 SH   SOLE 0 1,000 0 0
HECLA MINING CO Com 422704106   1,635 340 SH   SOLE 0 340 0 0
HECLA MINING CO Com 422704106   1,044 217 SH   DFND 0 0 0 217
HERSHEY COMPANY Com 427866108   293,643 1,575 SH   SOLE 0 1,575 0 0
HESS CORP Com 42809H107   10,091 70 SH   SOLE 0 70 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   2,070,371 121,930 SH   SOLE 0 119,730 0 2,200
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   10,188 600 SH   DFND 0 500 0 100
HOME DEPOT INC. Com 437076102   451,901 1,304 SH   SOLE 0 1,304 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,151,308 5,490 SH   SOLE 0 5,490 0 0
HUNTINGTON BANCSHARES 4.5 PFD Pfd Stk 446150823   35,280 2,000 SH   SOLE 0 2,000 0 0
HUNTINGTON INGALLS INDS INC Com 446413106   111,905 431 SH   SOLE 0 431 0 0
ILLINOIS TOOL WORKS Com 452308109   333,974 1,275 SH   SOLE 0 1,275 0 0
INTEL CORP Com 458140100   6,676,466 132,865 SH   SOLE 0 131,965 0 900
INTEL CORP Com 458140100   122,861 2,445 SH   DFND 0 2,400 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101   2,866,868 17,529 SH   SOLE 0 17,529 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101   245,325 1,500 SH   DFND 0 1,500 0 0
INTERPUBLIC GROUP COS INC Com 460690100   19,453 596 SH   SOLE 0 596 0 0
INTUIT INC Com 461202103   20,001 32 SH   SOLE 0 32 0 0
ISHARES SILVER TRUST Com 46428Q109   41,927 1,925 SH   SOLE 0 1,925 0 0
JP MORGAN CHASE & CO Com 46625H100   612,700 3,602 SH   SOLE 0 3,602 0 0
JOHNSON & JOHNSON Com 478160104   7,415,213 47,309 SH   SOLE 0 47,259 0 50
JOHNSON & JOHNSON Com 478160104   157,524 1,005 SH   DFND 0 930 0 75
ZIFF DAVIS INC Com 48123V102   33,595 500 SH   SOLE 0 500 0 0
KIMBERLY CLARK CORP Com 494368103   972,202 8,001 SH   SOLE 0 8,001 0 0
KINDER MORGAN INC Com 49456B101   4,183,238 237,145 SH   SOLE 0 235,645 0 1,500
KINDER MORGAN INC Com 49456B101   68,796 3,900 SH   DFND 0 3,800 0 100
KRAFT HEINZ CO Com 500754106   17,898 484 SH   SOLE 0 484 0 0
KROGER CO Com 501044101   6,857 150 SH   SOLE 0 150 0 0
KYNDRYL HOLDINGS INC Com 50155Q100   1,455 70 SH   SOLE 0 70 0 0
L3HARRIS TECHNOLOGIES INC Com 502431109   20,430 97 SH   SOLE 0 97 0 0
LAM RESEARCH CORP Com 512807108   15,665 20 SH   SOLE 0 20 0 0
LAMB WESTON HOLDINGS INC Com 513272104   10,809 100 SH   DFND 0 0 0 100
LILLY (ELI) & CO. Com 532457108   109,589 188 SH   SOLE 0 188 0 0
LOCKHEED MARTIN CORP Com 539830109   4,622,142 10,198 SH   SOLE 0 10,198 0 0
LOCKHEED MARTIN CORP Com 539830109   4,532 10 SH   DFND 0 10 0 0
LOWES COMPANIES Com 548661107   227,891 1,024 SH   SOLE 0 1,024 0 0
LUMEN TECHNOLOGIES INC Com 550241103   15,149 8,278 SH   SOLE 0 8,278 0 0
LUMINAR TECHNOLOGIES INC Com 550424105   1,685 500 SH   SOLE 0 500 0 0
MAGNA INTL INC CL A Com 559222401   2,954 50 SH   SOLE 0 50 0 0
MARATHON OIL CORP Com 565849106   2,736,966 113,285 SH   SOLE 0 112,185 0 1,100
MARATHON OIL CORP Com 565849106   4,832 200 SH   DFND 0 200 0 0
MARATHON PETROLEUM CORP Com 56585A102   994,012 6,700 SH   SOLE 0 6,700 0 0
MARRIOTT INTERNATIONAL INC NEW Com 571903202   437,489 1,940 SH   SOLE 0 1,940 0 0
MASTERCARD INC - CLASS A Com 57636Q104   14,928 35 SH   SOLE 0 35 0 0
MCDONALDS CORP Com 580135101   345,138 1,164 SH   SOLE 0 1,164 0 0
MERCK & CO INC NEW Com 58933Y105   1,900,764 17,435 SH   SOLE 0 17,435 0 0
METLIFE INC Com 59156R108   14,218 215 SH   SOLE 0 215 0 0
MICROSOFT CORP Com 594918104   15,573,321 41,414 SH   SOLE 0 40,964 0 450
MICROSOFT CORP Com 594918104   676,872 1,800 SH   DFND 0 1,800 0 0
MODERNA INC Com 60770K107   19,890 200 SH   SOLE 0 200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105   438,926 6,060 SH   SOLE 0 6,060 0 0
MONSTER BEVERAGE CORP Com 61174X109   5,531 96 SH   SOLE 0 96 0 0
MORGAN STANLEY Com 617446448   11,097 119 SH   SOLE 0 119 0 0
NESTLE S A SPONSORED ADR REPST Com 641069406   6,140 53 SH   SOLE 0 53 0 0
NETFLIX INC Com 64110L106   22,883 47 SH   SOLE 0 47 0 0
NEWS CORP - CLASS B (NEW) Com 65249B208   2,572 100 SH   SOLE 0 100 0 0
NEXTERA ENERGY INC Com 65339F101   4,468,156 73,562 SH   SOLE 0 72,762 0 800
NEXTERA ENERGY INC Com 65339F101   101,740 1,675 SH   DFND 0 1,675 0 0
NIKE, INC. Com 654106103   453,171 4,174 SH   SOLE 0 4,174 0 0
NORFOLK SOUTHERN CORP. Com 655844108   3,822,501 16,171 SH   SOLE 0 15,771 0 400
NORFOLK SOUTHERN CORP. Com 655844108   141,828 600 SH   DFND 0 600 0 0
NORTHROP GRUMMAN CORP COM Com 666807102   147,464 315 SH   SOLE 0 315 0 0
NUTRAFEED INC Com 67060W105   0 1 SH   SOLE 0 1 0 0
NVIDIA CORP Com 67066G104   373,891 755 SH   SOLE 0 755 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107   4,626,819 258,049 SH   SOLE 0 255,968 0 2,081
OLD POINT FINANCIAL CORPORATIO Com 680194107   143,153 7,984 SH   DFND 0 2,083 0 5,901
ORACLE CORP Com 68389X105   589,037 5,587 SH   SOLE 0 5,587 0 0
ORACLE CORP Com 68389X105   10,543 100 SH   DFND 0 0 0 100
ORGANON & CO Com 68622V106   303 21 SH   SOLE 0 21 0 0
OTIS WORLDWIDE CORP Com 68902V107   22,368 250 SH   SOLE 0 250 0 0
PPG INDUSTRIES, INC. Com 693506107   605,678 4,050 SH   SOLE 0 4,050 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108   2,490,491 145,049 SH   SOLE 0 145,049 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108   37,774 2,200 SH   DFND 0 2,200 0 0
PARKER HANNIFIN CORP Com 701094104   46,070 100 SH   SOLE 0 100 0 0
PAYCHEX INC Com 704326107   15,961 134 SH   SOLE 0 134 0 0
PAYPAL HOLDINGS INC Com 70450Y103   7,553 123 SH   SOLE 0 123 0 0
PEPSICO INC Com 713448108   8,940,547 52,641 SH   SOLE 0 52,241 0 400
PEPSICO INC Com 713448108   148,610 875 SH   DFND 0 875 0 0
PFIZER, INC Com 717081103   1,556,013 54,047 SH   SOLE 0 53,947 0 100
PFIZER, INC Com 717081103   33,252 1,155 SH   DFND 0 1,155 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109   1,174,401 12,483 SH   SOLE 0 12,483 0 0
PHILLIPS 66 Com 718546104   493,017 3,703 SH   SOLE 0 3,703 0 0
PIONEER NATURAL RESOURCES CO Com 723787107   3,598 16 SH   SOLE 0 16 0 0
T ROWE PRICE GROUP INC Com 74144T108   1,392,647 12,932 SH   SOLE 0 12,932 0 0
PRIMIS FINANCIAL CORP Com 74167B109   14,749 1,165 SH   SOLE 0 1,165 0 0
PROCTER & GAMBLE CO. Com 742718109   8,929,122 60,933 SH   SOLE 0 60,433 0 500
PROCTER & GAMBLE CO. Com 742718109   202,225 1,380 SH   DFND 0 1,300 0 80
PROLOGIS INC Com 74340W103   124,236 932 SH   SOLE 0 932 0 0
PRUDENTIAL FINANCIAL INC Com 744320102   2,489 24 SH   SOLE 0 24 0 0
PUBLIC STORAGE INC COM Com 74460D109   56,425 185 SH   SOLE 0 185 0 0
RAYMOND JAMES FINANCIAL INC Com 754730109   33,450 300 SH   SOLE 0 300 0 0
RTX CORPORATION Com 75513E101   7,180,508 85,340 SH   SOLE 0 85,340 0 0
RTX CORPORATION Com 75513E101   185,024 2,199 SH   DFND 0 2,199 0 0
ROKU INC Com 77543R102   4,583 50 SH   SOLE 0 50 0 0
T ROWE PRICE VA TAX-FREE BOND Com 77957R408   9,068 803 SH   SOLE 0 803 0 0
ROYAL BK CDA MONTREAL QUE COM Com 780087102   2,732,027 27,015 SH   SOLE 0 27,015 0 0
SHELL PLC ADR Com 780259305   131,666 2,001 SH   SOLE 0 2,001 0 0
S&P GLOBAL INC Com 78409V104   7,929 18 SH   SOLE 0 18 0 0
SPDR GOLD TRUST Com 78463V107   527,629 2,760 SH   SOLE 0 2,760 0 0
SALESFORCE INC Com 79466L302   152,095 578 SH   SOLE 0 578 0 0
SANOFI-ADR Com 80105N105   4,973 100 SH   SOLE 0 100 0 0
SCHLUMBERGER LTD Com 806857108   12,438 239 SH   SOLE 0 239 0 0
CHARLES SCHWAB CORP NEW Com 808513105   7,981 116 SH   SOLE 0 116 0 0
SEMPRA ENERGY Com 816851109   5,679 76 SH   SOLE 0 76 0 0
SHOPIFY INC CL A Com 82509L107   38,950 500 SH   SOLE 0 500 0 0
SOUTHERN CO Com 842587107   5,581,973 79,606 SH   SOLE 0 79,106 0 500
SOUTHERN CO Com 842587107   91,156 1,300 SH   DFND 0 1,300 0 0
SOUTHERN COPPER CORP Com 84265V105   8,607 100 SH   SOLE 0 100 0 0
STANLEY BLACK & DECKER INC Com 854502101   19,620 200 SH   SOLE 0 200 0 0
STARBUCKS CORP Com 855244109   150,640 1,569 SH   SOLE 0 1,569 0 0
STRYKER CORP Com 863667101   99,421 332 SH   SOLE 0 332 0 0
SYNOPSYS INC Com 871607107   515 1 SH   SOLE 0 1 0 0
SYSCO CORP Com 871829107   2,441,372 33,384 SH   SOLE 0 32,784 0 600
SYSCO CORP Com 871829107   5,485 75 SH   DFND 0 75 0 0
TJX COMPANIES INC Com 872540109   9,381 100 SH   SOLE 0 100 0 0
TAIWAN SEMICONDUCTOR - SP ADR Com 874039100   18,408 177 SH   SOLE 0 177 0 0
TARGET CORP Com 87612E106   1,974,226 13,862 SH   SOLE 0 13,862 0 0
TARGET CORP Com 87612E106   54,832 385 SH   DFND 0 385 0 0
TC ENERGY CORP Com 87807B107   31,272 800 SH   SOLE 0 800 0 0
TEREX CORP Com 880779103   60,563 1,054 SH   SOLE 0 1,054 0 0
TESLA INC Com 88160R101   37,272 150 SH   SOLE 0 150 0 0
TEXTRON INC Com 883203101   4,021 50 SH   SOLE 0 50 0 0
THERMO FISHER SCIENTIFIC INC. Com 883556102   20,701 39 SH   SOLE 0 39 0 0
3M CO Com 88579Y101   388,305 3,552 SH   SOLE 0 3,552 0 0
TOWNEBANK Com 89214P109   667,695 22,436 SH   SOLE 0 22,436 0 0
TOWNEBANK Com 89214P109   18,927 636 SH   DFND 0 0 0 636
TRACTOR SUPPLY COMPANY Com 892356106   40,856 190 SH   SOLE 0 190 0 0
TRAVELERS COMPANIES INC/THE Com 89417E109   80,006 420 SH   SOLE 0 420 0 0
TRUIST FINANCIAL CORP Com 89832Q109   7,409,032 200,678 SH   SOLE 0 200,178 0 500
TRUIST FINANCIAL CORP Com 89832Q109   121,282 3,285 SH   DFND 0 2,655 0 630
UBER TECHNOLOGIES INC Com 90353T100   6,157 100 SH   SOLE 0 100 0 0
ULTA BEAUTY INC Com 90384S303   338,093 690 SH   SOLE 0 690 0 0
UNILEVER PLC SPONSORED ADR Com 904767704   8,872 183 SH   SOLE 0 183 0 0
UNILEVER PLC SPONSORED ADR Com 904767704   69,084 1,425 SH   DFND 0 1,425 0 0
UNION PACIFIC CORP Com 907818108   24,808 101 SH   SOLE 0 101 0 0
UNITED PARCEL SERVICE CL B Com 911312106   3,188,467 20,279 SH   SOLE 0 20,179 0 100
UNITED PARCEL SERVICE CL B Com 911312106   97,483 620 SH   DFND 0 620 0 0
UNITED HEALTH GROUP INC Com 91324P102   313,250 595 SH   SOLE 0 595 0 0
VF CORPORATION Com 918204108   18,800 1,000 SH   SOLE 0 1,000 0 0
VALERO ENERGY CORP Com 91913Y100   226,590 1,743 SH   SOLE 0 1,743 0 0
VERIZON COMMUNICATIONS Com 92343V104   3,061,617 81,210 SH   SOLE 0 80,310 0 900
VERIZON COMMUNICATIONS Com 92343V104   81,771 2,169 SH   DFND 0 2,169 0 0
VISA INC - CLASS A SHARES Com 92826C839   845,877 3,249 SH   SOLE 0 3,249 0 0
VULCAN MATERIALS CO Com 929160109   23,836 105 SH   SOLE 0 105 0 0
WEC ENERGY GROUP INC Com 92939U106   10,100 120 SH   SOLE 0 120 0 0
WALMART INC Com 931142103   554,928 3,520 SH   SOLE 0 3,520 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   460,084 17,621 SH   SOLE 0 17,621 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   20,888 800 SH   DFND 0 800 0 0
WARNER BROS DISCOVERY INC Com 934423104   8,478 745 SH   SOLE 0 745 0 0
WARNER BROS DISCOVERY INC Com 934423104   193 17 SH   DFND 0 0 0 17
WASHINGTON FEDERAL INC Com 938824109   66,579 2,020 SH   SOLE 0 2,020 0 0
WASTE MANAGEMENT INC Com 94106L109   124,295 694 SH   SOLE 0 694 0 0
METAVESCO INC Com 941872103   10,659 142,310 SH   SOLE 0 142,310 0 0
WELLS FARGO & CO NEW Com 949746101   14,766 300 SH   SOLE 0 300 0 0
WELLS FARGO & COMPANY Pfd Stk 95002Y400   35,600 2,000 SH   SOLE 0 2,000 0 0
WESTROCK CO Com 96145D105   35,334 851 SH   SOLE 0 851 0 0
WEYERHAEUSER CO Com 962166104   2,429,032 69,860 SH   SOLE 0 69,760 0 100
WEYERHAEUSER CO Com 962166104   62,586 1,800 SH   DFND 0 1,800 0 0
WILLIAMS COS INC Com 969457100   9,369 269 SH   SOLE 0 269 0 0
YUM! BRANDS INC Com 988498101   2,194,043 16,792 SH   SOLE 0 16,392 0 400
YUM CHINA HOLDINGS INC Com 98850P109   2,037 48 SH   SOLE 0 48 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   26,409 217 SH   SOLE 0 217 0 0
ZOETIS INC Com 98978V103   62,369 316 SH   SOLE 0 316 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101   3,596 50 SH   SOLE 0 50 0 0
ANGLOGOLD ASHANTI PLC ORD Com G0378L100   16,821 900 SH   SOLE 0 900 0 0
ACCENTURE PLC CL A Com G1151C101   9,485,448 27,031 SH   SOLE 0 26,581 0 450
ACCENTURE PLC CL A Com G1151C101   7,018 20 SH   DFND 0 20 0 0
EATON CORP PLC Com G29183103   2,164,731 8,989 SH   SOLE 0 8,589 0 400
JOHNSON CTLS INTL PLC COM Com G51502105   4,438 77 SH   SOLE 0 77 0 0
LINDE PLC Com G54950103   39,017 95 SH   SOLE 0 95 0 0
MEDTRONIC PLC Com G5960L103   10,627 129 SH   SOLE 0 129 0 0
CHUBB CORP Com H1467J104   350,978 1,553 SH   SOLE 0 1,553 0 0
TRANSOCEAN LTD Com H8817H100   25,400 4,000 SH   SOLE 0 4,000 0 0
ASML HOLDING NV-NY REG SHS Com N07059210   15,138 20 SH   SOLE 0 20 0 0