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 4,668 154,413 SH   SOLE 0 152,003 400 2,010
AT&T INC Com 00206R102 112 3,695 SH   DFND 0 3,023 0 672
ALTRIA GROUP INC Com 02209S103 574 14,630 SH   SOLE 0 14,630 0 0
ALTRIA GROUP INC Com 02209S103 24 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 6,982 29,604 SH   SOLE 0 29,604 0 0
APPLE INC Com 037833100 4,516 12,379 SH   SOLE 0 12,229 0 150
APPLE INC Com 037833100 128 350 SH   DFND 0 350 0 0
BAKER HUGHES CO Com 05722G100 981 63,749 SH   SOLE 0 63,249 0 500
BANK OF AMERICA CORP Com 060505104 887 37,346 SH   SOLE 0 37,346 0 0
BANK OF AMERICA CORP Com 060505104 24 1,008 SH   DFND 0 0 0 1,008
BAXTER INTL INC Com 071813109 2,843 33,017 SH   SOLE 0 32,517 100 400
BAXTER INTL INC Com 071813109 9 100 SH   DFND 0 100 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 95 530 SH   SOLE 0 530 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 107 600 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 4,725 83,400 SH   SOLE 0 82,950 0 450
CENTURYLINK INC Com 156700106 1,216 121,273 SH   SOLE 0 120,673 0 600
CENTURYLINK INC Com 156700106 0 48 SH   DFND 0 48 0 0
CHEVRON CORP Com 166764100 422 4,727 SH   SOLE 0 4,727 0 0
CISCO SYSTEMS Com 17275R102 6,658 142,761 SH   SOLE 0 141,961 300 500
CISCO SYSTEMS Com 17275R102 24 510 SH   DFND 0 300 0 210
CLOROX CO Com 189054109 450 2,050 SH   SOLE 0 2,050 0 0
COCA-COLA CO Com 191216100 1,144 25,603 SH   SOLE 0 25,203 0 400
CONOCOPHILLIPS Com 20825C104 3,618 86,091 SH   SOLE 0 85,059 232 800
CONOCOPHILLIPS Com 20825C104 4 100 SH   DFND 0 100 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 266 23,450 SH   SOLE 0 23,150 0 300
DISNEY COM STOCK Com 254687106 1,144 10,259 SH   SOLE 0 9,976 0 283
DOMINION ENERGY INC Com 25746U109 4,388 54,056 SH   SOLE 0 53,206 0 850
DOMINION ENERGY INC Com 25746U109 53 649 SH   DFND 0 649 0 0
ECOLAB INC Com 278865100 5,737 28,835 SH   SOLE 0 28,635 0 200
ENBRIDGE INC Com 29250N105 4,824 158,583 SH   SOLE 0 156,995 196 1,392
EXXON MOBIL CORPORATION Com 30231G102 3,358 75,083 SH   SOLE 0 74,319 100 664
EXXON MOBIL CORPORATION Com 30231G102 42 937 SH   DFND 0 826 0 111
FOX CORP - CLASS B Com 35137L204 1,242 46,291 SH   SOLE 0 45,358 0 933
GENERAL ELECTRIC CO Com 369604103 774 113,384 SH   SOLE 0 112,194 0 1,190
GENERAL ELECTRIC CO Com 369604103 23 3,300 SH   DFND 0 3,300 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,879 193,075 SH   SOLE 0 191,375 0 1,700
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1 100 SH   DFND 0 0 0 100
HOME DEPOT INC. Com 437076102 462 1,845 SH   SOLE 0 1,845 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 665 4,600 SH   SOLE 0 4,600 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 43 300 SH   DFND 0 0 0 300
ILLINOIS TOOL WORKS Com 452308109 233 1,332 SH   SOLE 0 1,332 0 0
INTEL CORP Com 458140100 9,279 155,090 SH   SOLE 0 154,190 200 700
INTEL CORP Com 458140100 9 145 SH   DFND 0 100 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 1,391 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 6,721 47,793 SH   SOLE 0 47,093 100 600
JOHNSON & JOHNSON Com 478160104 149 1,063 SH   DFND 0 900 0 163
KIMBERLY CLARK CORP Com 494368103 1,575 11,140 SH   SOLE 0 10,940 0 200
KINDER MORGAN INC Com 49456B101 3,289 216,798 SH   SOLE 0 215,698 0 1,100
KINDER MORGAN INC Com 49456B101 9 600 SH   DFND 0 500 0 100
LANCASTER COLONY CORP Com 513847103 310 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 3,705 10,154 SH   SOLE 0 10,154 0 0
MARATHON OIL CORP Com 565849106 1,019 166,533 SH   SOLE 0 165,733 0 800
MARATHON OIL CORP Com 565849106 2 300 SH   DFND 0 300 0 0
MARATHON PETROLEUM CORP Com 56585A102 253 6,766 SH   SOLE 0 6,766 0 0
MCDONALDS CORP Com 580135101 221 1,200 SH   SOLE 0 1,200 0 0
MERCK & CO INC NEW Com 58933Y105 1,208 15,620 SH   SOLE 0 15,459 0 161
MERCK & CO INC NEW Com 58933Y105 46 600 SH   DFND 0 600 0 0
MICROSOFT CORP Com 594918104 12,886 63,318 SH   SOLE 0 62,683 135 500
MICROSOFT CORP Com 594918104 163 800 SH   DFND 0 800 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 324 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 3,192 13,289 SH   SOLE 0 12,814 75 400
NEXTERA ENERGY INC Com 65339F101 72 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 755 7,700 SH   SOLE 0 7,700 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,453 19,668 SH   SOLE 0 19,168 0 500
OLD POINT FINANCIAL CORPORATIO Com 680194107 3,009 197,293 SH   SOLE 0 177,391 0 19,902
OLD POINT FINANCIAL CORPORATIO Com 680194107 159 10,401 SH   DFND 0 3,600 0 6,801
PPG INDUSTRIES, INC. Com 693506107 424 4,000 SH   SOLE 0 4,000 0 0
PEPSICO INC Com 713448108 7,999 60,483 SH   SOLE 0 59,783 100 600
PEPSICO INC Com 713448108 205 1,552 SH   DFND 0 200 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 1,454 44,466 SH   SOLE 0 44,266 200 0
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 110 3,350 SH   DFND 0 1,100 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 978 13,957 SH   SOLE 0 13,357 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 42 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 230 3,200 SH   SOLE 0 3,100 0 100
T ROWE PRICE GROUP INC Com 74144T108 1,317 10,667 SH   SOLE 0 10,667 0 0
PROCTER & GAMBLE CO. Com 742718109 7,326 61,271 SH   SOLE 0 60,371 100 800
PROCTER & GAMBLE CO. Com 742718109 350 2,929 SH   DFND 0 500 0 2,429
RAYTHEON TECHNOLOGIES CORP Com 75513E101 6,677 108,361 SH   SOLE 0 107,895 0 466
RAYTHEON TECHNOLOGIES CORP Com 75513E101 17 283 SH   DFND 0 283 0 0
SOUTHERN CO Com 842587107 4,171 80,449 SH   SOLE 0 79,749 100 600
SYSCO CORP Com 871829107 2,564 46,904 SH   SOLE 0 46,004 200 700
TARGET CORP Com 87612E106 1,760 14,677 SH   SOLE 0 14,577 0 100
TARGET CORP Com 87612E106 48 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 558 45,250 SH   SOLE 0 45,250 0 0
3M CO Com 88579Y101 830 5,322 SH   SOLE 0 5,322 0 0
3M CO Com 88579Y101 62 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 194 10,298 SH   SOLE 0 10,298 0 0
TOWNEBANK Com 89214P109 12 636 SH   DFND 0 0 0 636
TRUIST FINANCIAL CORP Com 89832Q109 2,462 65,558 SH   SOLE 0 65,058 0 500
TRUIST FINANCIAL CORP Com 89832Q109 260 6,933 SH   DFND 0 1,200 0 5,733
UNITED PARCEL SERVICE CL B Com 911312106 2,631 23,665 SH   SOLE 0 23,665 0 0
VERIZON COMMUNICATIONS Com 92343V104 5,389 97,753 SH   SOLE 0 96,953 300 500
VERIZON COMMUNICATIONS Com 92343V104 103 1,861 SH   DFND 0 1,169 0 692
WALGREENS BOOTS ALLIANCE INC Com 931427108 1,922 45,339 SH   SOLE 0 45,339 0 0
WEYERHAEUSER CO Com 962166104 2,399 106,830 SH   SOLE 0 106,230 0 600
WEYERHAEUSER CO Com 962166104 31 1,380 SH   DFND 0 1,380 0 0
YUM! BRANDS INC Com 988498101 2,094 24,090 SH   SOLE 0 23,790 0 300
ACCENTURE PLC CL A Com G1151C101 8,343 38,856 SH   SOLE 0 38,256 0 600
EATON CORP PLC Com G29183103 849 9,702 SH   SOLE 0 9,302 0 400