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 4,547 155,995 SH   SOLE 0 153,585 400 2,010
AT&T INC Com 00206R102 112 3,857 SH   DFND 0 3,023 0 834
ALTRIA GROUP INC Com 02209S103 583 15,080 SH   SOLE 0 15,080 0 0
ALTRIA GROUP INC Com 02209S103 23 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 5,992 29,555 SH   SOLE 0 29,555 0 0
APPLE INC Com 037833100 3,580 14,079 SH   SOLE 0 13,929 0 150
APPLE INC Com 037833100 89 350 SH   DFND 0 350 0 0
BAKER HUGHES CO Com 05722G100 683 65,050 SH   SOLE 0 64,550 0 500
BANK OF AMERICA CORP Com 060505104 795 37,446 SH   SOLE 0 37,446 0 0
BANK OF AMERICA CORP Com 060505104 21 1,008 SH   DFND 0 0 0 1,008
BAXTER INTL INC Com 071813109 2,969 36,567 SH   SOLE 0 36,067 100 400
BAXTER INTL INC Com 071813109 8 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 97 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 110 600 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 3,483 76,425 SH   SOLE 0 75,975 0 450
CENTURYLINK INC Com 156700106 1,085 114,650 SH   SOLE 0 114,050 0 600
CENTURYLINK INC Com 156700106 0 48 SH   DFND 0 48 0 0
CHEVRON CORP Com 166764100 343 4,727 SH   SOLE 0 4,727 0 0
CISCO SYSTEMS Com 17275R102 5,557 141,361 SH   SOLE 0 140,561 300 500
CISCO SYSTEMS Com 17275R102 20 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 355 2,050 SH   SOLE 0 2,050 0 0
COCA-COLA CO Com 191216100 1,203 27,188 SH   SOLE 0 26,788 0 400
CONOCOPHILLIPS Com 20825C104 2,761 89,641 SH   SOLE 0 88,609 232 800
CONOCOPHILLIPS Com 20825C104 3 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 166 24,050 SH   SOLE 0 23,750 0 300
DISNEY COM STOCK Com 254687106 1,368 14,165 SH   SOLE 0 13,882 0 283
DOMINION ENERGY INC Com 25746U109 3,872 53,636 SH   SOLE 0 52,786 0 850
DOMINION ENERGY INC Com 25746U109 47 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 4,292 27,540 SH   SOLE 0 27,340 0 200
ENBRIDGE INC Com 29250N105 4,513 155,124 SH   SOLE 0 153,536 196 1,392
EXXON MOBIL CORPORATION Com 30231G102 2,766 72,853 SH   SOLE 0 72,089 100 664
EXXON MOBIL CORPORATION Com 30231G102 36 937 SH   DFND 0 826 0 111
FOX CORP - CLASS B Com 35137L204 711 31,073 SH   SOLE 0 30,140 0 933
GENERAL ELECTRIC CO Com 369604103 917 115,488 SH   SOLE 0 114,298 0 1,190
GENERAL ELECTRIC CO Com 369604103 26 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,862 191,775 SH   SOLE 0 190,075 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 344 1,845 SH   SOLE 0 1,845 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 615 4,600 SH   SOLE 0 4,600 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 40 300 SH   DFND 0 0 0 300
INTEL CORP Com 458140100 8,377 154,790 SH   SOLE 0 153,890 200 700
INTEL CORP Com 458140100 8 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,278 11,518 SH   SOLE 0 11,518 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 11 100 SH   DFND 0 100 0 0
JOHNSON & JOHNSON Com 478160104 6,287 47,945 SH   SOLE 0 47,245 100 600
JOHNSON & JOHNSON Com 478160104 139 1,063 SH   DFND 0 900 0 163
KIMBERLY CLARK CORP Com 494368103 1,694 13,247 SH   SOLE 0 13,047 0 200
KINDER MORGAN INC Com 49456B101 2,867 205,950 SH   SOLE 0 204,850 0 1,100
KINDER MORGAN INC Com 49456B101 8 600 SH   DFND 0 500 0 100
LANCASTER COLONY CORP Com 513847103 289 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 3,469 10,235 SH   SOLE 0 10,235 0 0
LOEWS CORP Com 540424108 326 9,350 SH   SOLE 0 9,350 0 0
MARATHON OIL CORP Com 565849106 553 167,983 SH   SOLE 0 167,183 0 800
MARATHON OIL CORP Com 565849106 1 300 SH   DFND 0 300 0 0
MERCK & CO INC NEW Com 58933Y105 1,279 16,623 SH   SOLE 0 16,462 0 161
MERCK & CO INC NEW Com 58933Y105 46 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 10,051 63,732 SH   SOLE 0 63,097 135 500
MICROSOFT CORP Com 594918104 126 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 318 6,344 SH   SOLE 0 6,344 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 21 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 3,216 13,367 SH   SOLE 0 12,892 75 400
NEXTERA ENERGY INC Com 65339F101 72 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 637 7,700 SH   SOLE 0 7,700 0 0
NORFOLK SOUTHERN CORP. Com 655844108 2,875 19,693 SH   SOLE 0 19,193 0 500
NORTHROP GRUMMAN CORP COM Com 666807102 219 725 SH   SOLE 0 725 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107 3,168 209,552 SH   SOLE 0 188,450 0 21,102
OLD POINT FINANCIAL CORPORATIO Com 680194107 157 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 334 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 7,218 60,099 SH   SOLE 0 59,399 100 600
PEPSICO INC Com 713448108 186 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 1,476 45,218 SH   SOLE 0 45,018 200 0
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 109 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,031 14,137 SH   SOLE 0 13,537 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 44 600 SH   DFND 0 600 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,081 11,067 SH   SOLE 0 11,067 0 0
PROCTER & GAMBLE CO. Com 742718109 7,060 64,179 SH   SOLE 0 63,279 100 800
PROCTER & GAMBLE CO. Com 742718109 322 2,929 SH   DFND 0 500 0 2,429
RAYTHEON COMPANY Com 755111507 5,530 42,169 SH   SOLE 0 41,969 0 200
RAYTHEON COMPANY Com 755111507 13 100 SH   DFND 0 100 0 0
SOUTHERN CO Com 842587107 4,306 79,542 SH   SOLE 0 78,842 100 600
SYSCO CORP Com 871829107 2,488 54,518 SH   SOLE 0 53,618 200 700
TARGET CORP Com 87612E106 1,358 14,602 SH   SOLE 0 14,502 0 100
TARGET CORP Com 87612E106 37 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 393 43,750 SH   SOLE 0 43,750 0 0
3M CO Com 88579Y101 739 5,413 SH   SOLE 0 5,413 0 0
3M CO Com 88579Y101 55 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 207 11,461 SH   SOLE 0 11,461 0 0
TOWNEBANK Com 89214P109 12 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 2,186 70,897 SH   SOLE 0 70,397 0 500
TRUIST FINANCIAL CORP Com 89832Q109 214 6,933 SH   DFND 0 1,200 0 5,733
UNITED TECHNOLOGIES Com 913017109 788 8,350 SH   SOLE 0 8,350 0 0
UNITED TECHNOLOGIES Com 913017109 5 50 SH   DFND 0 50 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,165 96,124 SH   SOLE 0 95,324 300 500
VERIZON COMMUNICATIONS Com 92343V104 100 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 2,298 50,239 SH   SOLE 0 50,239 0 0
WEYERHAEUSER CO Com 962166104 1,764 104,080 SH   SOLE 0 103,480 0 600
WEYERHAEUSER CO Com 962166104 23 1,380 SH   DFND 0 1,380 0 0
YUM! BRANDS INC Com 988498101 1,922 28,040 SH   SOLE 0 27,740 0 300
ACCENTURE PLC CL A Com G1151C101 6,399 39,198 SH   SOLE 0 38,598 0 600
EATON CORP PLC Com G29183103 862 11,092 SH   SOLE 0 10,692 0 400