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 5,786 147,703 SH   SOLE 0 144,693 700 2,310
AT&T INC Com 00206R102 210 5,356 SH   DFND 0 2,605 0 2,751
ALBEMARLE CORP Com 012653101 327 2,400 SH   DFND 0 0 0 2,400
ALTRIA GROUP INC Com 02209S103 1,002 15,804 SH   SOLE 0 15,804 0 0
ALTRIA GROUP INC Com 02209S103 38 600 SH   DFND 0 600 0 0
AMGEN INC Com 031162100 4,506 24,168 SH   SOLE 0 24,168 0 0
AMGEN INC Com 031162100 65 350 SH   DFND 0 350 0 0
APPLE INC Com 037833100 381 2,474 SH   SOLE 0 2,474 0 0
APPLE INC Com 037833100 54 350 SH   DFND 0 350 0 0
B B & T CORP Com 054937107 2,750 58,586 SH   SOLE 0 57,986 0 600
B B & T CORP Com 054937107 357 7,600 SH   DFND 0 2,250 0 5,350
BAKER HUGHES A GE CO LLC Com 05722G100 2,114 57,716 SH   SOLE 0 57,216 0 500
BAKER HUGHES A GE CO LLC Com 05722G100 33 900 SH   DFND 0 900 0 0
BANK OF AMERICA CORP Com 060505104 939 37,046 SH   SOLE 0 37,046 0 0
BANK OF AMERICA CORP Com 060505104 26 1,008 SH   DFND 0 0 0 1,008
BAXTER INTL INC Com 071813109 2,300 36,657 SH   SOLE 0 36,157 100 400
BAXTER INTL INC Com 071813109 44 700 SH   DFND 0 600 0 100
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 128 700 SH   SOLE 0 700 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 110 600 SH   DFND 0 600 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 152 2,386 SH   SOLE 0 2,386 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 133 2,090 SH   DFND 0 1,390 0 700
CSX CORP Com 126408103 707 13,032 SH   SOLE 0 13,032 0 0
CENTURYLINK INC Com 156700106 1,707 90,312 SH   SOLE 0 89,512 0 800
CENTURYLINK INC Com 156700106 23 1,200 SH   DFND 0 1,200 0 0
CHEVRON CORP Com 166764100 574 4,882 SH   SOLE 0 4,882 0 0
CHEVRON CORP Com 166764100 35 300 SH   DFND 0 300 0 0
CISCO SYSTEMS Com 17275R102 4,743 141,044 SH   SOLE 0 140,086 300 658
CISCO SYSTEMS Com 17275R102 67 2,000 SH   DFND 0 1,700 0 300
COCA-COLA CO Com 191216100 2,509 55,736 SH   SOLE 0 54,736 0 1,000
COCA-COLA CO Com 191216100 54 1,200 SH   DFND 0 1,200 0 0
COLGATE PALMOLIVE CO. Com 194162103 58 800 SH   SOLE 0 800 0 0
COLGATE PALMOLIVE CO. Com 194162103 233 3,200 SH   DFND 0 0 0 3,200
CONOCOPHILLIPS Com 20825C104 4,175 83,421 SH   SOLE 0 82,189 232 1,000
CONOCOPHILLIPS Com 20825C104 48 950 SH   DFND 0 950 0 0
DXC TECHNOLOGY CO Com 23355L106 392 4,567 SH   SOLE 0 4,567 0 0
DXC TECHNOLOGY CO Com 23355L106 15 171 SH   DFND 0 171 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103 1,136 30,932 SH   SOLE 0 30,632 0 300
DEVON ENERGY CORPORATION NEW Com 25179M103 18 500 SH   DFND 0 500 0 0
DOMINION ENERGY INC Com 25746U109 3,471 45,123 SH   SOLE 0 44,273 0 850
DOMINION ENERGY INC Com 25746U109 88 1,150 SH   DFND 0 1,150 0 0
DOWDUPONT INC Com 26078J100 1,213 17,522 SH   SOLE 0 17,522 0 0
DOWDUPONT INC Com 26078J100 221 3,196 SH   DFND 0 1,658 0 1,538
DUKE ENERGY CORP NEW COM Com 26441C204 227 2,704 SH   SOLE 0 2,704 0 0
ECOLAB INC Com 278865100 2,709 21,060 SH   SOLE 0 20,860 0 200
ECOLAB INC Com 278865100 45 350 SH   DFND 0 350 0 0
ENBRIDGE INC Com 29250N105 4,846 115,832 SH   SOLE 0 114,163 196 1,473
ENBRIDGE INC Com 29250N105 99 2,364 SH   DFND 0 1,577 0 787
EXXON MOBIL CORPORATION Com 30231G102 5,526 67,408 SH   SOLE 0 66,644 100 664
EXXON MOBIL CORPORATION Com 30231G102 367 4,471 SH   DFND 0 800 0 3,671
GENERAL ELECTRIC CO Com 369604103 4,707 194,671 SH   SOLE 0 193,181 0 1,490
GENERAL ELECTRIC CO Com 369604103 338 13,981 SH   DFND 0 4,127 0 9,854
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 2,090 142,100 SH   SOLE 0 140,900 0 1,200
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 37 2,500 SH   DFND 0 2,400 0 100
HOME DEPOT INC. Com 437076102 387 2,366 SH   SOLE 0 2,366 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 897 6,325 SH   SOLE 0 6,325 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 57 400 SH   DFND 0 400 0 0
INTEL CORP Com 458140100 5,977 156,949 SH   SOLE 0 155,849 200 900
INTEL CORP Com 458140100 66 1,745 SH   DFND 0 1,700 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101 949 6,543 SH   SOLE 0 6,543 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 60 412 SH   DFND 0 412 0 0
ISHARES COMEX GOLD TRUST Com 464285105 219 17,800 SH   SOLE 0 16,800 0 1,000
JOHNSON & JOHNSON Com 478160104 7,819 60,143 SH   SOLE 0 59,243 200 700
JOHNSON & JOHNSON Com 478160104 156 1,200 SH   DFND 0 600 0 600
KIMBERLY CLARK CORP Com 494368103 1,693 14,389 SH   SOLE 0 14,189 0 200
KIMBERLY CLARK CORP Com 494368103 26 225 SH   DFND 0 225 0 0
KINDER MORGAN INC Com 49456B101 2,527 131,750 SH   SOLE 0 130,750 0 1,000
KINDER MORGAN INC Com 49456B101 36 1,900 SH   DFND 0 1,800 0 100
LANCASTER COLONY CORP Com 513847103 240 2,000 SH   SOLE 0 2,000 0 0
LOCKHEED MARTIN CORP Com 539830109 2,942 9,480 SH   SOLE 0 9,480 0 0
LOCKHEED MARTIN CORP Com 539830109 62 200 SH   DFND 0 200 0 0
LOEWS CORP Com 540424108 1,010 21,100 SH   SOLE 0 20,700 0 400
MARATHON OIL CORP Com 565849106 1,829 134,917 SH   SOLE 0 133,717 100 1,100
MARATHON OIL CORP Com 565849106 33 2,443 SH   DFND 0 2,343 0 100
MARATHON PETROLEUM CORP Com 56585A102 357 6,366 SH   SOLE 0 6,366 0 0
MARATHON PETROLEUM CORP Com 56585A102 14 241 SH   DFND 0 241 0 0
MERCK & CO INC NEW Com 58933Y105 2,096 32,739 SH   SOLE 0 32,278 0 461
MERCK & CO INC NEW Com 58933Y105 103 1,610 SH   DFND 0 1,610 0 0
MICRO FOCUS INTL - SPN ADR Com 594837304 586 18,355 SH   SOLE 0 18,191 0 164
MICRO FOCUS INTL - SPN ADR Com 594837304 11 341 SH   DFND 0 328 0 13
MICROSOFT CORP. Com 594918104 4,681 62,835 SH   SOLE 0 62,179 200 456
MICROSOFT CORP. Com 594918104 196 2,628 SH   DFND 0 2,628 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 272 6,679 SH   SOLE 0 6,679 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 17 415 SH   DFND 0 415 0 0
NEXTERA ENERGY INC Com 65339F101 1,736 11,845 SH   SOLE 0 11,345 100 400
NEXTERA ENERGY INC Com 65339F101 44 300 SH   DFND 0 0 0 300
NIKE, INC. Com 654106103 399 7,700 SH   SOLE 0 7,700 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,691 27,912 SH   SOLE 0 27,412 0 500
NORFOLK SOUTHERN CORP. Com 655844108 229 1,734 SH   DFND 0 384 0 1,350
OLD POINT FINANCIAL CORPORATIO Com 680194107 10,354 319,569 SH   SOLE 0 285,799 0 33,770
OLD POINT FINANCIAL CORPORATIO Com 680194107 544 16,801 SH   DFND 0 10,000 0 6,801
PPG INDUSTRIES, INC. Com 693506107 478 4,400 SH   SOLE 0 4,400 0 0
PEPSICO INC Com 713448108 6,687 60,011 SH   SOLE 0 59,161 100 750
PEPSICO INC Com 713448108 234 2,102 SH   DFND 0 750 0 1,352
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 2,860 80,126 SH   SOLE 0 79,826 200 100
PFIZER, INC W/RIGHTS 10/5/07 Com 717081103 231 6,476 SH   DFND 0 4,226 0 2,250
PHILIP MORRIS INTERNATIONAL IN Com 718172109 1,701 15,320 SH   SOLE 0 14,720 0 600
PHILIP MORRIS INTERNATIONAL IN Com 718172109 67 600 SH   DFND 0 600 0 0
PHILLIPS 66 Com 718546104 302 3,300 SH   SOLE 0 3,200 0 100
PHILLIPS 66 Com 718546104 9 100 SH   DFND 0 100 0 0
T ROWE PRICE GROUP INC Com 74144T108 1,381 15,234 SH   SOLE 0 15,234 0 0
T ROWE PRICE GROUP INC Com 74144T108 9 100 SH   DFND 0 100 0 0
PROCTER & GAMBLE CO. Com 742718109 5,498 60,426 SH   SOLE 0 59,426 100 900
PROCTER & GAMBLE CO. Com 742718109 288 3,161 SH   DFND 0 500 0 2,661
RAYTHEON COMPANY Com 755111507 7,489 40,138 SH   SOLE 0 39,838 0 300
RAYTHEON COMPANY Com 755111507 155 831 SH   DFND 0 831 0 0
SOUTHERN CO Com 842587107 3,487 70,956 SH   SOLE 0 70,156 100 700
SOUTHERN CO Com 842587107 44 900 SH   DFND 0 900 0 0
SYSCO CORP Com 871829107 4,405 81,649 SH   SOLE 0 80,749 200 700
SYSCO CORP Com 871829107 59 1,100 SH   DFND 0 1,100 0 0
TARGET CORP Com 87612E106 495 8,387 SH   SOLE 0 8,287 0 100
TARGET CORP Com 87612E106 24 400 SH   DFND 0 400 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 919 52,205 SH   SOLE 0 52,205 0 0
TEVA PHARMACEUTICAL SPONS ADR Com 881624209 23 1,300 SH   DFND 0 1,200 0 100
3M CO Com 88579Y101 1,155 5,502 SH   SOLE 0 5,502 0 0
3M CO Com 88579Y101 84 400 SH   DFND 0 400 0 0
TOWNEBANK Com 89214P109 228 6,798 SH   SOLE 0 6,798 0 0
TOWNEBANK Com 89214P109 21 636 SH   DFND 0 0 0 636
TWENTY-FIRST CENTURY FOX, INC Com 90130A200 832 32,244 SH   SOLE 0 31,744 0 500
UNITED TECHNOLOGIES Com 913017109 713 6,145 SH   SOLE 0 6,145 0 0
UNITED TECHNOLOGIES Com 913017109 6 50 SH   DFND 0 50 0 0
VERIZON COMMUNICATIONS Com 92343V104 4,487 90,666 SH   SOLE 0 89,566 500 600
VERIZON COMMUNICATIONS Com 92343V104 176 3,558 SH   DFND 0 1,700 0 1,858
WALGREENS BOOTS ALLIANCE INC Com 931427108 3,487 45,156 SH   SOLE 0 45,156 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 69 900 SH   DFND 0 900 0 0
WATERSIDE CAPITAL CORP Com 941872103 0 14,940 SH   SOLE 0 14,940 0 0
WELLS FARGO & CO NEW Com 949746101 1,007 18,259 SH   SOLE 0 18,259 0 0
WELLS FARGO & CO NEW Com 949746101 39 700 SH   DFND 0 700 0 0
WEYERHAEUSER CO Com 962166104 2,389 70,200 SH   SOLE 0 69,600 0 600
WEYERHAEUSER CO Com 962166104 88 2,580 SH   DFND 0 2,580 0 0
XINYUAN REAL ESTATE CO L-ADR Com 98417P105 170 30,000 SH   SOLE 0 30,000 0 0
YUM! BRANDS INC Com 988498101 2,282 30,996 SH   SOLE 0 30,696 0 300
ACCENTURE PLC CL A Com G1151C101 5,891 43,616 SH   SOLE 0 43,016 0 600
ACCENTURE PLC CL A Com G1151C101 88 650 SH   DFND 0 650 0 0
EATON CORP PLC Com G29183103 1,203 15,667 SH   SOLE 0 15,267 0 400
NOBLE CORP PLC Com G65431101 61 13,300 SH   SOLE 0 13,300 0 0
SHIRE PLC Com G8124V108 278 5,530 SH   SOLE 0 5,309 44 177
SHIRE PLC Com G8124V108 4 88 SH   DFND 0 0 0 88