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
AFLAC INC Com 001055102 73,717 699 SH SOLE 0 699 0 0
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
ABBVIE INC Com 00287Y109 122,509 660 SH SOLE 0 660 0 0
ADOBE SYS INC Com 00724F101 15,862 41 SH SOLE 0 41 0 0
ADVANCED MICRO DEVICS Com 007903107 127,426 898 SH SOLE 0 898 0 0
AEYE INC WT EXP Com 008183113 85 1,000 SH SOLE 0 1,000 0 0
AGILENT TECHNOLOGIES INC Com 00846U101 861,945 7,304 SH SOLE 0 7,304 0 0
ALBEMARLE CORP Com 012653101 83,351 1,330 SH SOLE 0 1,330 0 0
ALIBABA GROUP HOLDING-SP ADR Com 01609W102 5,671 50 SH SOLE 0 50 0 0
ALLIANCE RESOURCE PARTNERS Com 01877R108 26,140 1,000 SH SOLE 0 1,000 0 0
ALPHABET INC - CL C Com 02079K107 17,739 100 SH SOLE 0 100 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
AMERICAN ELECTRIC POWER CO INC Com 025537101 83,008 800 SH SOLE 0 800 0 0
AMERICAN EXPRESS CO Com 025816109 96,332 302 SH SOLE 0 302 0 0
AMERICAN INTERNATIONAL GROUP Com 026874784 6,762 79 SH SOLE 0 79 0 0
AMERICAN WATER WORKS INC Com 030420103 19,197 138 SH SOLE 0 138 0 0
AMGEN INC Com 031162100 6,419,317 22,991 SH SOLE 0 22,991 0 0
ANALOG DEVICES INC Com 032654105 189,464 796 SH SOLE 0 796 0 0
ANNALY CAP MGMT INC NEW Com 035710839 1,412 75 SH SOLE 0 75 0 0
ELEVANCE HEALTH INC Com 036752103 663,955 1,707 SH SOLE 0 1,707 0 0
APOLLO GLOBAL MANAGEMENT INC Com 03769M106 18,727 132 SH SOLE 0 132 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
ARCHER DANIELS MIDLAND CO Com 039483102 161,823 3,066 SH SOLE 0 3,066 0 0
ASTRAZENECA PLC-SPONS ADR Com 046353108 85,603 1,225 SH SOLE 0 1,225 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107 6,788 217 SH SOLE 0 217 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 56,129 182 SH SOLE 0 182 0 0
BCE INC NEW Com 05534B760 11,085 500 SH SOLE 0 500 0 0
BP PLC SPONSORED ADR Com 055622104 32,444 1,084 SH SOLE 0 1,084 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
BARRICK MINING CORPORATION Com 06849F108 18,738 900 SH SOLE 0 900 0 0
BAXTER INTL INC Com 071813109 399,121 13,181 SH SOLE 0 13,181 0 0
BECTON DICKINSON & CO Com 075887109 6,890 40 SH SOLE 0 40 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
BHP BILLITON LTD SPON ADR Com 088606108 6,877 143 SH SOLE 0 143 0 0
BLACKSTONE INC Com 09260D107 6,900,125 46,130 SH SOLE 0 45,680 0 450
BLACKROCK INC NEW COM Com 09290D101 11,542 11 SH SOLE 0 11 0 0
BOEING CO. Com 097023105 5,238 25 SH SOLE 0 25 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108 754,573 16,301 SH SOLE 0 16,301 0 0
BROADCOM INC COM Com 11135F101 46,861 170 SH SOLE 0 170 0 0
BROOKFIELD CORP VTG SHS CL A Com 11271J107 9,278 150 SH SOLE 0 150 0 0
BROOKFIELD ASSET MGMT LTD CL A Com 113004105 2,045 37 SH SOLE 0 37 0 0
Brown-Forman Corporation Class Com 115637209 25,215 937 SH SOLE 0 937 0 0
C & F FINANCIAL CORPORATION Com 12466Q104 43,211 700 SH SOLE 0 700 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
CVS HEALTH CORP Com 126650100 57,460 833 SH SOLE 0 833 0 0
CANADIAN PACIFIC KANSAS CITY L Com 13646K108 79,270 1,000 SH SOLE 0 1,000 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 73,189 344 SH SOLE 0 344 0 0
Carlyle Group Inc. Com 14316J108 154,200 3,000 SH SOLE 0 3,000 0 0
CARRIAGE SERVICES INC Com 143905107 13,722 300 SH SOLE 0 300 0 0
CARRIER GLOBAL CORP Com 14448C104 3,440 47 SH SOLE 0 47 0 0
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
CHURCH & DWIGHT CO INC Com 171340102 81,694 850 SH SOLE 0 850 0 0
CINCINNATI FINANCIAL CORP Com 172062101 37,230 250 SH SOLE 0 250 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
Clearway Energy Inc. Com 18539C105 37,825 1,250 SH SOLE 0 1,250 0 0
CLOROX CO Com 189054109 282,165 2,350 SH SOLE 0 2,350 0 0
COCA COLA BOTTLING CO CONS Com 191098102 31,262 280 SH SOLE 0 280 0 0
COCA-COLA CO Com 191216100 2,176,765 30,767 SH SOLE 0 30,767 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 15,606 200 SH SOLE 0 200 0 0
COLGATE PALMOLIVE CO. Com 194162103 259,065 2,850 SH SOLE 0 2,850 0 0
COMCAST CORP CL A Com 20030N101 13,634 382 SH SOLE 0 382 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
CONSOLIDATED EDISON INC Com 209115104 25,088 250 SH SOLE 0 250 0 0
CONSTELLATION BRANDS INC-A Com 21036P108 16,268 100 SH SOLE 0 100 0 0
CONSTELLATION ENERGY CORPORATI Com 21037T109 118,130 366 SH SOLE 0 366 0 0
CORNING INC Com 219350105 10,518 200 SH SOLE 0 200 0 0
CORTEVA INC Com 22052L104 44,047 591 SH SOLE 0 591 0 0
COSTCO WHOLESALE CORP Com 22160K105 222,737 225 SH SOLE 0 225 0 0
CROWDSTRIKE HOLDINGS INC - A Com 22788C105 25,975 51 SH DFND 0 51 0 0
DXC TECHNOLOGY CO Com 23355L106 122 8 SH SOLE 0 8 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
DELTA AIR LINES INC Com 247361702 24,590 500 SH SOLE 0 500 0 0
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
DOW INC Com 260557103 15,650 591 SH SOLE 0 591 0 0
DRAFTKINGS INC NEW CL A Com 26142V105 25,734 600 SH SOLE 0 600 0 0
DUKE ENERGY CORP NEW COM Com 26441C204 221,840 1,880 SH SOLE 0 1,880 0 0
EASTMAN CHEM CO Com 277432100 49,425 662 SH SOLE 0 662 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
ENTERGY CORP NEW Com 29364G103 58,184 700 SH SOLE 0 700 0 0
EXELON CORPORATION Com 30161N101 47,762 1,100 SH SOLE 0 1,100 0 0
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
FASTENAL CO Com 311900104 33,600 800 SH SOLE 0 800 0 0
FEDEX CORPORATION Com 31428X106 56,828 250 SH SOLE 0 250 0 0
FERGUSON ENTERPRISES INC Com 31488V107 43,986 202 SH SOLE 0 202 0 0
FIRST SOLAR INC Com 336433107 478,411 2,890 SH SOLE 0 2,890 0 0
FIRSTENERGY CORP Com 337932107 10,588 263 SH SOLE 0 263 0 0
FOX CORP - CLASS B Com 35137L204 525,180 10,172 SH SOLE 0 10,172 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107 101,550 1,371 SH SOLE 0 1,371 0 0
GE VERNOVA LLC COM Com 36828A101 636,038 1,202 SH SOLE 0 1,202 0 0
GENERAL DYNAMICS CORP Com 369550108 7,292 25 SH SOLE 0 25 0 0
GE AEROSPACE Com 369604301 2,296,948 8,924 SH SOLE 0 8,924 0 0
GENERAL MILLS INC Com 370334104 10,362 200 SH SOLE 0 200 0 0
GENERAL MOTORS CO Com 37045V100 24,605 500 SH SOLE 0 500 0 0
GENUINE PARTS CO Com 372460105 454,306 3,745 SH SOLE 0 3,745 0 0
GSK PLC SPON ADS EACH REP 2 OR Com 37733W204 21,504 560 SH SOLE 0 560 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 416,157 588 SH SOLE 0 588 0 0
HP INC Com 40434L105 2,446 100 SH SOLE 0 100 0 0
HALEON PLC - ADR Com 405552100 5,185 500 SH SOLE 0 500 0 0
HALLIBURTON CO. Com 406216101 6,114 300 SH SOLE 0 300 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
HILTON WORLDWIDE HOLDINGS IN Com 43300A203 26,634 100 SH SOLE 0 100 0 0
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
HUNTINGTON INGALLS INDS INC Com 446413106 93,686 388 SH SOLE 0 388 0 0
Huntsman Corporation Com 447011107 26,050 2,500 SH SOLE 0 2,500 0 0
HYATT HOTELS CORP CL A Com 448579102 13,965 100 SH SOLE 0 100 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
INTERPUBLIC GROUP COS INC Com 460690100 85,190 3,480 SH SOLE 0 3,480 0 0
INVESCO QQQ TRUST SERIES 1 Com 46090E103 1,312,903 2,380 SH SOLE 0 2,380 0 0
INTUIT INC Com 461202103 25,204 32 SH SOLE 0 32 0 0
INVESCO EMERGING MARKETS SOV D Com 46138E784 1,308 64 SH SOLE 0 64 0 0
INVESCO BULLETSHARES 2029 Com 46138J577 319,546 17,088 SH SOLE 0 17,088 0 0
INVESCO BULLETSHARES 2028 Com 46138J643 955,285 46,622 SH SOLE 0 46,622 0 0
INVESCO BULLETSHARES 2027 Com 46138J783 1,040,487 52,951 SH SOLE 0 52,951 0 0
INVESCO BULLETSHARES 2026 Com 46138J791 640,705 32,823 SH SOLE 0 32,823 0 0
INVESCO BULLETSH 2025 Com 46138J825 650,489 31,455 SH SOLE 0 31,455 0 0
ISHARES GOLD TRUST NEW Com 464285204 623,600 10,000 SH SOLE 0 10,000 0 0
MFC ISHARES TR S&P 100 ETF Com 464287101 8,217 27 SH SOLE 0 27 0 0
ISHARES CORE S&P TOTAL US STOC Com 464287150 33,760 250 SH SOLE 0 250 0 0
ISHARES TIPS BOND ETF Com 464287176 1,981 18 SH SOLE 0 18 0 0
ISHARES S&P 500 INDEX FUND ETF Com 464287200 280,647 452 SH SOLE 0 452 0 0
ISHARES CORE US AGGREGATE BOND Com 464287226 9,424 95 SH SOLE 0 95 0 0
ISHARES 20 YR TR Com 464287432 7,854 89 SH SOLE 0 89 0 0
ISHARES 7-10 YR TREAS BD ETF Com 464287440 3,927 41 SH SOLE 0 41 0 0
MFC ISHARES TR RUSSELL MID-CAP Com 464287499 8,461 92 SH SOLE 0 92 0 0
ISHARES EXPANDED TECH SECTOR Com 464287549 33,702 300 SH SOLE 0 300 0 0
ISHARES RUSSELL 1000 GROWTH ET Com 464287614 896,713 2,112 SH SOLE 0 2,112 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 181,048 839 SH SOLE 0 839 0 0
iShares Core S&P US Value ETF Com 464287663 696,950 7,365 SH SOLE 0 7,365 0 0
ISHARES S&P MID-CAP 400 VALUE Com 464287705 131,242 1,062 SH SOLE 0 1,062 0 0
ISHARES S&P SMALL-CAP 600 VALU Com 464287879 9,949 100 SH SOLE 0 100 0 0
iShares Morningstar Mid-Cap Gr Com 464288307 344,187 4,290 SH SOLE 0 4,290 0 0
iShares Morningstar Mid-Cap Gr Com 464288307 44,447 554 SH DFND 0 554 0 0
ISHARES MBS ETF Com 464288588 18,402 196 SH SOLE 0 196 0 0
ISHARES SILVER TRUST Com 46428Q109 63,159 1,925 SH SOLE 0 1,925 0 0
ISHARES US TREASURY BD FD ETF Com 46429B267 25,692 1,118 SH SOLE 0 1,118 0 0
ISHARES CORE HIG Com 46429B663 12,772 109 SH SOLE 0 109 0 0
iShares MSCI EAFE Min Vol ETF Com 46429B689 2,270 27 SH SOLE 0 27 0 0
ISHARES TR CORE MSCI EAFE ETF Com 46432F842 296,771 3,555 SH SOLE 0 3,555 0 0
ISHARES CORE MSCI EMERGING MKT Com 46434G103 41,901 698 SH SOLE 0 698 0 0
ISHARES CORE DIVIDEND GROWTH Com 46434V621 47,955 750 SH SOLE 0 750 0 0
iShares Core MSCI Internationa Com 46435G326 714,016 9,390 SH SOLE 0 9,390 0 0
MFC ISHARES TR BROAD USD HI YL Com 46435U853 4,501 120 SH SOLE 0 120 0 0
iShares iBonds Dec 2029 Term T Com 46436E825 15,344 700 SH SOLE 0 700 0 0
iShares ibonds Dec 2028 Term T Com 46436E833 46,956 2,100 SH SOLE 0 2,100 0 0
iShares iBonds Dec 2027 Term T Com 46436E841 283,599 12,610 SH SOLE 0 12,610 0 0
iShares iBonds Dec 2026 Term T Com 46436E858 343,950 15,000 SH SOLE 0 15,000 0 0
iShares iBonds Dec 2025 Term T Com 46436E866 84,096 3,600 SH SOLE 0 3,600 0 0
JP MORGAN CHASE & CO Com 46625H100 1,297,927 4,477 SH SOLE 0 4,477 0 0
JPMorgan Core Plus Bond ETF Com 46641Q670 474,647 10,086 SH SOLE 0 10,086 0 0
Jefferies Financial Group Com 47233w109 141,756 2,592 SH SOLE 0 2,592 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
KINROSS GOLD CORP Com 496902404 15,630 1,000 SH SOLE 0 1,000 0 0
KRAFT HEINZ CO Com 500754106 21,534 834 SH SOLE 0 834 0 0
KROGER CO Com 501044101 10,760 150 SH SOLE 0 150 0 0
L3HARRIS TECHNOLOGIES INC Com 502431109 7,024 28 SH SOLE 0 28 0 0
LAM RESEARCH CORP NEW Com 512807306 19,468 200 SH SOLE 0 200 0 0
LEMONADE INC Com 52567D107 4,381 100 SH SOLE 0 100 0 0
LILLY (ELI) & CO. Com 532457108 177,733 228 SH SOLE 0 228 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
LUMEN TECHNOLOGIES INC Com 550241103 2,190 500 SH SOLE 0 500 0 0
LUMINAR TECHNOLOGIES INC Com 550424303 3 1 SH SOLE 0 1 0 0
M & T BANK CORP Com 55261F104 48,498 250 SH SOLE 0 250 0 0
MSC INDUSTRIAL DIRECT CO-A Com 553530106 127,530 1,500 SH SOLE 0 1,500 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
MASTERCARD INC - CLASS A Com 57636Q104 103,959 185 SH SOLE 0 185 0 0
MATTHEWS INTL CORP-CLASS A Com 577128101 5,738 240 SH SOLE 0 240 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
METLIFE INC Com 59156R108 8,846 110 SH SOLE 0 110 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
MIDDLEBY CORP Com 596278101 17,280 120 SH SOLE 0 120 0 0
MODERNA INC Com 60770K107 5,518 200 SH SOLE 0 200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105 474,643 7,038 SH SOLE 0 7,038 0 0
MORGAN STANLEY Com 617446448 157,622 1,119 SH SOLE 0 1,119 0 0
MOSAIC CO/THE Com 61945C103 211,584 5,800 SH SOLE 0 5,800 0 0
NETFLIX INC Com 64110L106 62,939 47 SH SOLE 0 47 0 0
NEWMONT MINING Com 651639106 5,826 100 SH SOLE 0 100 0 0
NEWS CORP - CLASS B (NEW) Com 65249B208 3,431 100 SH SOLE 0 100 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
NORTHROP GRUMMAN CORP COM Com 666807102 123,995 248 SH SOLE 0 248 0 0
NVIDIA CORP Com 67066G104 955,840 6,050 SH SOLE 0 6,050 0 0
Nuveen Multi-Asset Income Fund Com 670750108 51,783 4,100 SH SOLE 0 4,100 0 0
OCCIDENTAL PETROLEUM CORP Com 674599105 4,201 100 SH SOLE 0 100 0 0
OCCIDENTAL PETE CORP WT EXP 08 Com 674599162 249 12 SH SOLE 0 12 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107 9,314,771 237,319 SH SOLE 0 236,828 0 491
ONEOK INC Com 682680103 25,795 316 SH SOLE 0 316 0 0
ORACLE CORP Com 68389X105 231,311 1,058 SH SOLE 0 1,058 0 0
OTIS WORLDWIDE CORP Com 68902V107 594 6 SH SOLE 0 6 0 0
PPG INDUSTRIES, INC. Com 693506107 403,813 3,550 SH SOLE 0 3,550 0 0
PACER TRENDPILOT 100 ETF Com 69374H303 32,259 452 SH SOLE 0 452 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108 11,312,379 82,984 SH SOLE 0 82,984 0 0
PAYPAL HOLDINGS INC Com 70450Y103 9,141 123 SH SOLE 0 123 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
PIMCO HIGH INCOME FUND Com 722014107 4,800 1,000 SH SOLE 0 1,000 0 0
T ROWE PRICE GROUP INC Com 74144T108 784,063 8,125 SH SOLE 0 8,125 0 0
PRIMIS FINANCIAL CORP Com 74167B109 6,326 583 SH SOLE 0 583 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
PROLOGIS INC Com 74340W103 29,959 285 SH SOLE 0 285 0 0
PROSPECT CAP CORP Com 74348T102 954 300 SH SOLE 0 300 0 0
PROTO LABS INC Com 743713109 4,004 100 SH SOLE 0 100 0 0
PRUDENTIAL FINANCIAL INC Com 744320102 21,488 200 SH SOLE 0 200 0 0
PUBLIC STORAGE INC COM Com 74460D109 54,283 185 SH SOLE 0 185 0 0
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
ROCKWELL INTL CORP Com 773903109 51,154 154 SH SOLE 0 154 0 0
ROKU INC Com 77543R102 4,395 50 SH SOLE 0 50 0 0
ROYAL BK CDA MONTREAL QUE COM Com 780087102 828,765 6,300 SH SOLE 0 6,300 0 0
SHELL PLC ADR Com 780259305 35,205 500 SH SOLE 0 500 0 0
SPDR GOLD TRUST Com 78463V107 841,026 2,759 SH SOLE 0 2,759 0 0
SPDR INDEX SHARES EMERG Com 78463X509 211,221 4,942 SH SOLE 0 4,942 0 0
SPDR S&P 600 SMALL CAP VALUE Com 78464A300 9,970 125 SH SOLE 0 125 0 0
SPDR Portfolio S&P 500 Growth Com 78464A409 202,078 2,120 SH SOLE 0 2,120 0 0
SPDR PORT LNG TRM TRSRY Com 78464A664 7,628 287 SH SOLE 0 287 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 801,003 1,414 SH SOLE 0 1,414 0 0
SPDR Portfolio High Yield Bond Com 78468R606 1,200,639 50,447 SH SOLE 0 50,447 0 0
SALESFORCE INC Com 79466L302 1,124,028 4,122 SH SOLE 0 4,022 0 100
SANOFI-ADR Com 80105N105 9,662 200 SH SOLE 0 200 0 0
SCHLUMBERGER LTD Com 806857108 3,380 100 SH SOLE 0 100 0 0
CHARLES SCHWAB CORP NEW Com 808513105 10,584 116 SH SOLE 0 116 0 0
SCHWAB US LARGE CAP Com 808524300 8,062 276 SH SOLE 0 276 0 0
CHARLES SCHWAB US MC Com 808524508 3,534 126 SH SOLE 0 126 0 0
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 3,632,215 90,760 SH SOLE 0 90,760 0 0
SCHWAB FUNDAMENTAL INTL L/C Com 808524755 32,016 800 SH DFND 0 800 0 0
SCHWAB INTERNATIONAL Com 808524805 5,348 242 SH SOLE 0 242 0 0
SCHWAB INTERMEDI Com 808524854 17,521 700 SH SOLE 0 700 0 0
SCHWAB SHORT-TERM US TREAS ETF Com 808524862 7,802 320 SH SOLE 0 320 0 0
SPDR AMEX ENERGY SELECT Com 81369Y506 16,962 200 SH SOLE 0 200 0 0
SEMPRA ENERGY Com 816851109 5,759 76 SH SOLE 0 76 0 0
SHOPIFY INC CL A Com 82509L107 57,675 500 SH SOLE 0 500 0 0
SIMON PROPERTY GROUP INC Com 828806109 48,228 300 SH SOLE 0 300 0 0
SMUCKER J M CO NEW Com 832696405 50,671 516 SH SOLE 0 516 0 0
SOLVENTUM CORP COM Com 83444M101 13,272 175 SH SOLE 0 175 0 0
SOUTHERN CO Com 842587107 6,757,127 73,583 SH SOLE 0 73,183 0 400
STARBUCKS CORP Com 855244109 143,767 1,569 SH SOLE 0 1,569 0 0
STRYKER CORP Com 863667101 72,005 182 SH SOLE 0 182 0 0
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
TJX COMPANIES INC Com 872540109 12,349 100 SH SOLE 0 100 0 0
TAIWAN SEMICONDUCTOR - SP ADR Com 874039100 40,089 177 SH SOLE 0 177 0 0
Take-Two Interactive Software Com 874054109 1,943 8 SH SOLE 0 8 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
TC ENERGY CORP Com 87807B107 14,637 300 SH SOLE 0 300 0 0
TEREX CORP Com 880779103 49,211 1,054 SH SOLE 0 1,054 0 0
TESLA INC Com 88160R101 198,538 625 SH SOLE 0 625 0 0
TEXTRON INC Com 883203101 93,056 1,159 SH SOLE 0 1,159 0 0
THERMO FISHER SCIENTIFIC INC. Com 883556102 15,813 39 SH SOLE 0 39 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
TRACTOR SUPPLY COMPANY Com 892356106 91,028 1,725 SH SOLE 0 1,725 0 0
TRAVELERS COMPANIES INC/THE Com 89417E109 112,367 420 SH SOLE 0 420 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
UBER TECHNOLOGIES INC Com 90353T100 9,330 100 SH SOLE 0 100 0 0
ULTA BEAUTY INC Com 90384S303 1,504,041 3,215 SH SOLE 0 3,215 0 0
UNILEVER PLC SPONSORED ADR Com 904767704 11,194 183 SH SOLE 0 183 0 0
UNION PACIFIC CORP Com 907818108 13,805 60 SH SOLE 0 60 0 0
UNITED CONTINENTAL HOLDINGS IN Com 910047109 15,926 200 SH SOLE 0 200 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
UNITED HEALTH GROUP INC Com 91324P102 171,895 551 SH SOLE 0 551 0 0
VALERO ENERGY CORP Com 91913Y100 228,514 1,700 SH SOLE 0 1,700 0 0
VANGUARD DIVIDEND APPRECIATION Com 921908844 300,865 1,470 SH SOLE 0 1,470 0 0
VANGUARD SHORT - TERM BOND ETF Com 921937827 1,337,507 16,995 SH SOLE 0 16,995 0 0
VANGUARD FTSE DEVELOPED MARKET Com 921943858 2,508 44 SH SOLE 0 44 0 0
VANGUARD INT HDV Com 921946794 59,121 738 SH SOLE 0 738 0 0
VANGUARD CHARLOTTE FDS INTL BD Com 92203J407 16,437 332 SH SOLE 0 332 0 0
VANGUARD FTSE EMERGING MARKET Com 922042858 1,533 31 SH SOLE 0 31 0 0
VANGUARD-S/T COR Com 92206C409 8,268 104 SH SOLE 0 104 0 0
VANGUARD INTERME Com 92206C706 1,496,506 25,021 SH SOLE 0 25,021 0 0
VANGUARD LT TREA Com 92206C847 10,326 184 SH SOLE 0 184 0 0
VANGUARD INTERMED TRM CORP BD Com 92206C870 855,403 10,316 SH SOLE 0 10,316 0 0
VANGUARD S&P 500 ETF Com 922908363 1,819,400 3,203 SH SOLE 0 3,203 0 0
VANGUARD SM-CAP GROWTH ETF Com 922908595 2,769 10 SH SOLE 0 10 0 0
VANGUARD SMALL-CAP VALUE ETF Com 922908611 3,241,456 16,622 SH SOLE 0 16,622 0 0
VANGUARD SMALL-CAP VALUE ETF Com 922908611 5,850 30 SH DFND 0 30 0 0
VANGUARD GROWTH ETF Com 922908736 20,166 46 SH SOLE 0 46 0 0
VANGUARD VALUE ETF Com 922908744 28,455 161 SH SOLE 0 161 0 0
VANGUARD US TOTAL STOCK MARKET Com 922908769 63,217 208 SH SOLE 0 208 0 0
VeriSign, Inc. Com 92343E102 21,660 75 SH SOLE 0 75 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
Vertiv Holdings Co. Com 92537N108 32,103 250 SH SOLE 0 250 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
Virtus Total Return Fund Inc Com 92835W107 49,840 8,000 SH SOLE 0 8,000 0 0
VISTRA CORP Com 92840M102 19,381 100 SH SOLE 0 100 0 0
Vitesse Energy, Inc. Com 92852X103 6,737 305 SH SOLE 0 305 0 0
VULCAN MATERIALS CO Com 929160109 27,386 105 SH SOLE 0 105 0 0
WABTEC CORP COM Com 929740108 16,329 78 SH SOLE 0 78 0 0
WALMART INC Com 931142103 418,107 4,276 SH SOLE 0 4,276 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 58,732 5,116 SH SOLE 0 5,116 0 0
WARNER BROS DISCOVERY INC Com 934423104 745 65 SH SOLE 0 65 0 0
WASTE MANAGEMENT INC Com 94106L109 79,401 347 SH SOLE 0 347 0 0
WELLS FARGO & CO NEW Com 949746101 94,782 1,183 SH SOLE 0 1,183 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
WILLIAMS COS INC Com 969457100 16,896 269 SH SOLE 0 269 0 0
XCEL ENERGY INC Com 98389B100 39,770 584 SH SOLE 0 584 0 0
YUM! BRANDS INC Com 988498101 2,220,033 14,982 SH SOLE 0 14,682 0 300
ZOETIS INC Com 98978V103 49,280 316 SH SOLE 0 316 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101 3,899 50 SH SOLE 0 50 0 0
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
LINDE PLC Com G54950103 21,113 45 SH SOLE 0 45 0 0
CHUBB CORP Com H1467J104 1,160,618 4,006 SH SOLE 0 4,006 0 0
TRANSOCEAN LTD Com H8817H100 10,360 4,000 SH SOLE 0 4,000 0 0
STRATASYS LTD Com M85548101 1,147 100 SH SOLE 0 100 0 0
ASML HOLDING NV-NY REG SHS Com N07059210 16,028 20 SH SOLE 0 20 0 0