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
Expires: July 31, 2015
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 1,858,527 64,220 SH SOLE 0 64,220 0 0
AT&T INC Com 00206R102 75,996 2,626 SH DFND 0 2,626 0 0
ABBOTT LABORATORIES Com 002824100 289,293 2,127 SH SOLE 0 2,127 0 0
ABBOTT LABORATORIES Com 002824100 81,606 600 SH DFND 0 600 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 861,945 7,304 SH SOLE 0 7,304 0 0
ALPHABET INC - CL A Com 02079K305 3,219,722 18,270 SH SOLE 0 18,170 0 100
ALPHABET INC - CL A Com 02079K305 40,533 230 SH DFND 0 230 0 0
ALTRIA GROUP INC Com 02209S103 746,888 12,739 SH SOLE 0 12,739 0 0
AMAZON.COM INC Com 023135106 7,373,917 33,611 SH SOLE 0 33,611 0 0
AMAZON.COM INC Com 023135106 43,878 200 SH DFND 0 200 0 0
AMGEN INC Com 031162100 6,419,317 22,991 SH SOLE 0 22,991 0 0
ELEVANCE HEALTH INC Com 036752103 663,955 1,707 SH SOLE 0 1,707 0 0
APPLE INC Com 037833100 9,303,228 45,344 SH SOLE 0 44,844 0 500
APPLE INC Com 037833100 166,188 810 SH DFND 0 810 0 0
BAKER HUGHES CO Com 05722G100 1,169,370 30,500 SH SOLE 0 30,500 0 0
BANK OF AMERICA CORP Com 060505104 756,268 15,982 SH SOLE 0 15,982 0 0
BAXTER INTL INC Com 071813109 399,121 13,181 SH SOLE 0 13,181 0 0
WR BERKLEY CORP Com 084423102 1,436,192 19,548 SH SOLE 0 19,548 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 182,164 375 SH SOLE 0 375 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702 228,312 470 SH DFND 0 470 0 0
BLACKSTONE INC Com 09260D107 6,900,125 46,130 SH SOLE 0 45,680 0 450
BRISTOL-MYERS SQUIBB CO. Com 110122108 754,573 16,301 SH SOLE 0 16,301 0 0
CBRE GROUP INC Com 12504L109 614,146 4,383 SH SOLE 0 4,383 0 0
CSX CORP Com 126408103 435,708 13,353 SH SOLE 0 12,553 0 800
CATERPILLAR INC Com 149123101 511,273 1,317 SH SOLE 0 1,317 0 0
CHEVRON CORP Com 166764100 1,001,614 6,995 SH SOLE 0 6,995 0 0
CISCO SYSTEMS Com 17275R102 8,577,588 123,632 SH SOLE 0 123,232 0 400
CISCO SYSTEMS Com 17275R102 35,384 510 SH DFND 0 300 0 210
CLOROX CO Com 189054109 282,165 2,350 SH SOLE 0 2,350 0 0
COCA-COLA CO Com 191216100 2,176,765 30,767 SH SOLE 0 30,767 0 0
COLGATE PALMOLIVE CO. Com 194162103 259,065 2,850 SH SOLE 0 2,850 0 0
CONOCOPHILLIPS Com 20825C104 8,809,237 98,164 SH SOLE 0 97,360 0 804
CONOCOPHILLIPS Com 20825C104 8,974 100 SH DFND 0 100 0 0
COSTCO WHOLESALE CORP Com 22160K105 222,737 225 SH SOLE 0 225 0 0
DANAHER CORP Com 235851102 277,741 1,406 SH SOLE 0 1,406 0 0
DARDEN RESTAURANTS INC Com 237194105 261,564 1,200 SH SOLE 0 1,200 0 0
DEERE & CO Com 244199105 1,144,611 2,251 SH SOLE 0 2,176 0 75
DEVON ENERGY CORPORATION NEW Com 25179M103 430,230 13,525 SH SOLE 0 13,525 0 0
WALT DISNEY CO/THE Com 254687106 889,648 7,174 SH SOLE 0 7,174 0 0
DOMINION ENERGY INC Com 25746U109 2,065,523 36,545 SH SOLE 0 36,145 0 400
DOMINION ENERGY INC Com 25746U109 11,247 199 SH DFND 0 199 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 221,840 1,880 SH SOLE 0 1,880 0 0
ECOLAB INC Com 278865100 5,372,634 19,940 SH SOLE 0 19,740 0 200
ENBRIDGE INC Com 29250N105 5,079,647 112,084 SH SOLE 0 111,084 0 1,000
EXXON MOBIL CORPORATION Com 30231G102 9,043,450 83,891 SH SOLE 0 83,591 0 300
EXXON MOBIL CORPORATION Com 30231G102 98,529 914 SH DFND 0 803 0 111
META PLATFORMS INC Com 30303M102 388,973 527 SH SOLE 0 527 0 0
FIRST SOLAR INC Com 336433107 478,411 2,890 SH SOLE 0 2,890 0 0
FOX CORP - CLASS B Com 35137L204 525,180 10,172 SH SOLE 0 10,172 0 0
GE VERNOVA LLC COM Com 36828A101 636,038 1,202 SH SOLE 0 1,202 0 0
GE AEROSPACE Com 369604301 2,296,948 8,924 SH SOLE 0 8,924 0 0
GENUINE PARTS CO Com 372460105 454,306 3,745 SH SOLE 0 3,745 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 416,157 588 SH SOLE 0 588 0 0
HERSHEY COMPANY Com 427866108 438,108 2,640 SH SOLE 0 2,640 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109 1,871,543 91,518 SH SOLE 0 89,818 0 1,700
HOME DEPOT INC. Com 437076102 319,343 871 SH SOLE 0 871 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,099,194 4,720 SH SOLE 0 4,720 0 0
ILLINOIS TOOL WORKS Com 452308109 238,844 966 SH SOLE 0 966 0 0
INTEL CORP Com 458140100 952,694 42,531 SH SOLE 0 41,931 0 600
INTEL CORP Com 458140100 2,240 100 SH DFND 0 100 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 3,636,701 12,337 SH SOLE 0 12,337 0 0
INTERNATIONAL BUSINESS MACHINE Com 459200101 29,478 100 SH DFND 0 100 0 0
JP MORGAN CHASE & CO Com 46625H100 1,297,927 4,477 SH SOLE 0 4,477 0 0
JOHNSON & JOHNSON Com 478160104 7,306,949 47,836 SH SOLE 0 47,836 0 0
JOHNSON & JOHNSON Com 478160104 153,514 1,005 SH DFND 0 930 0 75
KIMBERLY CLARK CORP Com 494368103 1,041,287 8,077 SH SOLE 0 8,077 0 0
KINDER MORGAN INC Com 49456B101 5,706,834 194,110 SH SOLE 0 193,010 0 1,100
KINDER MORGAN INC Com 49456B101 14,700 500 SH DFND 0 500 0 0
LOCKHEED MARTIN CORP Com 539830109 3,731,519 8,057 SH SOLE 0 8,057 0 0
LOCKHEED MARTIN CORP Com 539830109 4,631 10 SH DFND 0 10 0 0
LOWES COMPANIES Com 548661107 201,458 908 SH SOLE 0 908 0 0
MARATHON PETROLEUM CORP Com 56585A102 917,758 5,525 SH SOLE 0 5,525 0 0
MARRIOTT INTERNATIONAL INC NEW Com 571903202 1,519,048 5,560 SH SOLE 0 5,560 0 0
MCDONALDS CORP Com 580135101 268,212 918 SH SOLE 0 918 0 0
MERCK & CO INC NEW Com 58933Y105 1,452,507 18,349 SH SOLE 0 18,349 0 0
MICROSOFT CORP Com 594918104 17,032,811 34,243 SH SOLE 0 33,893 0 350
MICROSOFT CORP Com 594918104 320,829 645 SH DFND 0 645 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 474,643 7,038 SH SOLE 0 7,038 0 0
MOSAIC CO/THE Com 61945C103 211,584 5,800 SH SOLE 0 5,800 0 0
NEXTERA ENERGY INC Com 65339F101 4,894,318 70,503 SH SOLE 0 69,703 0 800
NEXTERA ENERGY INC Com 65339F101 5,207 75 SH DFND 0 75 0 0
NIKE, INC. Com 654106103 288,849 4,066 SH SOLE 0 4,066 0 0
NORFOLK SOUTHERN CORP. Com 655844108 3,553,376 13,882 SH SOLE 0 13,582 0 300
NVIDIA CORP Com 67066G104 955,840 6,050 SH SOLE 0 6,050 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107 9,314,771 237,319 SH SOLE 0 236,828 0 491
ORACLE CORP Com 68389X105 231,311 1,058 SH SOLE 0 1,058 0 0
PPG INDUSTRIES, INC. Com 693506107 403,813 3,550 SH SOLE 0 3,550 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 11,312,379 82,984 SH SOLE 0 82,984 0 0
PEPSICO INC Com 713448108 6,757,807 51,180 SH SOLE 0 50,880 0 300
PEPSICO INC Com 713448108 13,204 100 SH DFND 0 100 0 0
PFIZER, INC Com 717081103 1,488,530 61,408 SH SOLE 0 61,408 0 0
PFIZER, INC Com 717081103 25,573 1,055 SH DFND 0 1,055 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109 2,378,618 13,060 SH SOLE 0 13,060 0 0
PHILLIPS 66 Com 718546104 459,305 3,850 SH SOLE 0 3,850 0 0
T ROWE PRICE GROUP INC Com 74144T108 784,063 8,125 SH SOLE 0 8,125 0 0
PROCTER & GAMBLE CO. Com 742718109 8,853,094 55,568 SH SOLE 0 55,168 0 400
PROCTER & GAMBLE CO. Com 742718109 92,406 580 SH DFND 0 500 0 80
QUALCOMM INC Com 747525103 270,742 1,700 SH SOLE 0 1,700 0 0
RTX CORPORATION Com 75513E101 8,955,845 61,333 SH SOLE 0 61,333 0 0
RTX CORPORATION Com 75513E101 41,324 283 SH DFND 0 283 0 0
ROYAL BK CDA MONTREAL QUE COM Com 780087102 828,765 6,300 SH SOLE 0 6,300 0 0
SPDR GOLD TRUST Com 78463V107 841,026 2,759 SH SOLE 0 2,759 0 0
SALESFORCE INC Com 79466L302 1,124,028 4,122 SH SOLE 0 4,022 0 100
SOUTHERN CO Com 842587107 6,757,127 73,583 SH SOLE 0 73,183 0 400
SYSCO CORP Com 871829107 2,654,914 35,053 SH SOLE 0 34,553 0 500
SYSCO CORP Com 871829107 5,681 75 SH DFND 0 75 0 0
TARGET CORP Com 87612E106 1,100,737 11,158 SH SOLE 0 11,158 0 0
TARGET CORP Com 87612E106 37,980 385 SH DFND 0 385 0 0
3M CO Com 88579Y101 455,807 2,994 SH SOLE 0 2,994 0 0
TOWNEBANK Com 89214P109 625,870 18,311 SH SOLE 0 18,311 0 0
TRUIST FINANCIAL CORP Com 89832Q109 6,547,162 152,295 SH SOLE 0 151,795 0 500
TRUIST FINANCIAL CORP Com 89832Q109 49,653 1,155 SH DFND 0 1,155 0 0
ULTA BEAUTY INC Com 90384S303 1,504,041 3,215 SH SOLE 0 3,215 0 0
UNITED PARCEL SERVICE CL B Com 911312106 1,971,459 19,531 SH SOLE 0 19,431 0 100
UNITED PARCEL SERVICE CL B Com 911312106 2,019 20 SH DFND 0 20 0 0
VALERO ENERGY CORP Com 91913Y100 228,514 1,700 SH SOLE 0 1,700 0 0
VERIZON COMMUNICATIONS Com 92343V104 4,339,202 100,282 SH SOLE 0 99,482 0 800
VERIZON COMMUNICATIONS Com 92343V104 33,275 769 SH DFND 0 769 0 0
VICI PROPERTIES INC Com 925652109 213,530 6,550 SH SOLE 0 6,550 0 0
VISA INC - CLASS A SHARES Com 92826C839 2,155,864 6,072 SH SOLE 0 6,072 0 0
WALMART INC Com 931142103 418,107 4,276 SH SOLE 0 4,276 0 0
WEYERHAEUSER CO Com 962166104 1,749,874 68,115 SH SOLE 0 68,115 0 0
WEYERHAEUSER CO Com 962166104 2,569 100 SH DFND 0 100 0 0
YUM! BRANDS INC Com 988498101 2,220,033 14,982 SH SOLE 0 14,682 0 300
ACCENTURE PLC CL A Com G1151C101 6,751,028 22,587 SH SOLE 0 22,237 0 350
ACCENTURE PLC CL A Com G1151C101 5,978 20 SH DFND 0 20 0 0
EATON CORP PLC Com G29183103 2,945,881 8,252 SH SOLE 0 7,952 0 300
CHUBB CORP Com H1467J104 1,160,618 4,006 SH SOLE 0 4,006 0 0