Old Point Trust & Financial Services N A 13F-HR Quarterly holdings report by institutional manager

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:	Oct 31, 2018
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	77,798	943	SH		SOLE	0	943	0	0
AT&T INC	Com	00206R102	413,795	24,660	SH		SOLE	0	24,660	0	0
AT&T INC	Com	00206R102	45,306	2,700	SH		DFND	0	2,626	0	74
ABBOTT LABORATORIES	Com	002824100	372,587	3,385	SH		SOLE	0	3,385	0	0
ABBOTT LABORATORIES	Com	002824100	84,754	770	SH		DFND	0	770	0	0
ABBVIE INC	Com	00287Y109	294,908	1,903	SH		SOLE	0	1,903	0	0
ADOBE SYS INC	Com	00724F101	24,461	41	SH		SOLE	0	41	0	0
ADVANCED MICRO DEVICS	Com	007903107	237,330	1,610	SH		SOLE	0	1,610	0	0
AGILENT TECHNOLOGIES INC	Com	00846U101	449,901	3,236	SH		SOLE	0	3,236	0	0
AIR PRODUCTS & CHEMS INC	Com	009158106	12,869	47	SH		SOLE	0	47	0	0
ALBEMARLE CORP	Com	012653101	294,739	2,040	SH		SOLE	0	2,040	0	0
ALIBABA GROUP HOLDING-SP ADR	Com	01609W102	3,876	50	SH		SOLE	0	50	0	0
ALLIANCE RESOURCE PARTNERS	Com	01877R108	21,180	1,000	SH		SOLE	0	1,000	0	0
ALPHABET INC - CL C	Com	02079K107	19,730	140	SH		SOLE	0	140	0	0
ALPHABET INC - CL A	Com	02079K305	1,056,056	7,560	SH		SOLE	0	7,490	0	70
ALTRIA GROUP INC	Com	02209S103	500,861	12,416	SH		SOLE	0	12,416	0	0
AMAZON.COM INC	Com	023135106	4,493,170	29,572	SH		SOLE	0	29,507	0	65
AMERICAN INTERNATIONAL GROUP	Com	026874784	5,352	79	SH		SOLE	0	79	0	0
AMERICAN WATER WORKS INC	Com	030420103	73,518	557	SH		SOLE	0	557	0	0
AMGEN INC	Com	031162100	8,021,069	27,849	SH		SOLE	0	27,799	0	50
AMGEN INC	Com	031162100	129,609	450	SH		DFND	0	450	0	0
ANALOG DEVICES INC	Com	032654105	352,444	1,775	SH		SOLE	0	1,775	0	0
ANGEL OAK FINANCIAL STRAT INC	Com	03464A100	23,820	2,000	SH		SOLE	0	2,000	0	0
ANHEUSER BUSCH INBEV SA/NV SPO	Com	03524A108	4,717	73	SH		SOLE	0	73	0	0
ELEVANCE HEALTH INC	Com	036752103	434,778	922	SH		SOLE	0	922	0	0
APOLLO GLOBAL MANAGEMENT INC	Com	03769M106	12,301	132	SH		SOLE	0	132	0	0
APPLE INC	Com	037833100	10,757,229	55,873	SH		SOLE	0	55,273	0	600
APPLE INC	Com	037833100	500,193	2,598	SH		DFND	0	2,598	0	0
ARCHER DANIELS MIDLAND CO	Com	039483102	294,008	4,071	SH		SOLE	0	4,071	0	0
ASTRAZENECA PLC-SPONS ADR	Com	046353108	82,504	1,225	SH		SOLE	0	1,225	0	0
ATLANTIC UNION BANKSHARES CORP	Com	04911A107	7,929	217	SH		SOLE	0	217	0	0
AUTOMATIC DATA PROCESSING INC	Com	053015103	61,038	262	SH		SOLE	0	262	0	0
AUTOZON INC	Com	053332102	15,514	6	SH		SOLE	0	6	0	0
AXA ADR	Com	054536107	1,042	32	SH		SOLE	0	32	0	0
BCE INC NEW	Com	05534B760	19,690	500	SH		SOLE	0	500	0	0
BP PLC SPONSORED ADR	Com	055622104	74,340	2,100	SH		SOLE	0	2,100	0	0
BAKER HUGHES CO	Com	05722G100	1,375,745	40,250	SH		SOLE	0	39,750	0	500
BANK OF AMERICA CORP	Com	060505104	481,447	14,299	SH		SOLE	0	14,299	0	0
BANK OF AMERICA CORP 6 PFD ST	Pfd Stk	060505229	25,050	1,000	SH		SOLE	0	1,000	0	0
BANK OF AMERICA CORP PFD	Pfd Stk	06055H202	19,530	900	SH		SOLE	0	900	0	0
BARRICK GOLD CORP	Com	067901108	7,236	400	SH		SOLE	0	400	0	0
BAXTER INTL INC	Com	071813109	888,407	22,980	SH		SOLE	0	22,580	0	400
BAXTER INTL INC	Com	071813109	27,062	700	SH		DFND	0	700	0	0
BECTON DICKINSON & CO	Com	075887109	28,528	117	SH		SOLE	0	117	0	0
WR BERKLEY CORP	Com	084423102	235,498	3,330	SH		SOLE	0	3,330	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	198,303	556	SH		SOLE	0	556	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	203,296	570	SH		DFND	0	570	0	0
BHP BILLITON LTD SPON ADR	Com	088606108	9,768	143	SH		SOLE	0	143	0	0
BIOELECTRONICS CORP	Com	09062H108	110	550,000	SH		SOLE	0	550,000	0	0
BLACKROCK INC	Com	09247X101	24,354	30	SH		SOLE	0	30	0	0
BLACKSTONE INC	Com	09260D107	8,722,545	66,625	SH		SOLE	0	65,975	0	650
BLACKSTONE INC	Com	09260D107	130,920	1,000	SH		DFND	0	1,000	0	0
BOEING CO.	Com	097023105	533,310	2,046	SH		SOLE	0	2,046	0	0
BOSTON CAPITAL TAX CRED-SER 3	Com	100567882	5,742	1,250	SH		SOLE	0	1,250	0	0
BRIGHTHOUSE FINANCIAL INC 5 3/	Pfd Stk	10922N707	27,570	1,500	SH		SOLE	0	1,500	0	0
BRISTOL-MYERS SQUIBB CO.	Com	110122108	283,796	5,531	SH		SOLE	0	5,531	0	0
BROADCOM INC COM	Com	11135F101	7,814	7	SH		SOLE	0	7	0	0
BROOKFIELD CORP VTG SHS CL A	Com	11271J107	6,018	150	SH		SOLE	0	150	0	0
BROOKFIELD ASSET MGMT LTD CL A	Com	113004105	1,486	37	SH		SOLE	0	37	0	0
C & F FINANCIAL CORPORATION	Com	12466Q104	47,733	700	SH		SOLE	0	700	0	0
CIGNA GROUP	Com	125523100	115,288	385	SH		SOLE	0	385	0	0
CSX CORP	Com	126408103	56,824	1,639	SH		SOLE	0	1,639	0	0
CVS HEALTH CORP	Com	126650100	151,287	1,916	SH		SOLE	0	1,916	0	0
CANADIAN PACIFIC KANSAS CITY L	Com	13646K108	197,650	2,500	SH		SOLE	0	2,500	0	0
CAPITAL ONE FINANCIAL CORP	Com	14040H105	24,913	190	SH		SOLE	0	190	0	0
CAPITAL ONE FINANCIAL CO 4.25	Pfd Stk	14040H733	32,120	2,000	SH		SOLE	0	2,000	0	0
CATERPILLAR INC	Com	149123101	359,830	1,217	SH		SOLE	0	1,217	0	0
CHARTER COMMUNICATIONS INC NEW	Com	16119P108	2,332	6	SH		DFND	0	0	0	6
CHESAPEAKE FINANCIAL SHS, INC.	Com	16517A109	31,622	1,728	SH		SOLE	0	1,728	0	0
CHEVRON CORP	Com	166764100	837,981	5,618	SH		SOLE	0	5,618	0	0
CHIPOTLE MEXICAN GRILL INC	Com	169656105	22,870	10	SH		SOLE	0	10	0	0
CHURCH & DWIGHT CO INC	Com	171340102	94,560	1,000	SH		SOLE	0	1,000	0	0
CISCO SYSTEMS	Com	17275R102	6,799,537	134,591	SH		SOLE	0	133,991	0	600
CISCO SYSTEMS	Com	17275R102	126,805	2,510	SH		DFND	0	2,300	0	210
CLOROX CO	Com	189054109	270,778	1,899	SH		SOLE	0	1,899	0	0
COCA COLA BOTTLING CO CONS	Com	191098102	92,840	100	SH		SOLE	0	100	0	0
COCA-COLA CO	Com	191216100	1,470,893	24,960	SH		SOLE	0	24,960	0	0
COLGATE PALMOLIVE CO.	Com	194162103	166,674	2,091	SH		SOLE	0	2,091	0	0
COMCAST CORP CL A	Com	20030N101	28,459	649	SH		SOLE	0	649	0	0
CONAGRA BRANDS INC	Com	205887102	4,299	150	SH		SOLE	0	150	0	0
CONAGRA BRANDS INC	Com	205887102	2,866	100	SH		DFND	0	0	0	100
CONOCOPHILLIPS	Com	20825C104	9,768,683	84,162	SH		SOLE	0	83,462	0	700
CONOCOPHILLIPS	Com	20825C104	150,891	1,300	SH		DFND	0	1,300	0	0
CONSOLIDATED EDISON INC	Com	209115104	22,743	250	SH		SOLE	0	250	0	0
CONSTELLATION ENERGY CORPORATI	Com	21037T109	42,782	366	SH		SOLE	0	366	0	0
CORNING INC	Com	219350105	12,271	403	SH		SOLE	0	403	0	0
CORTEVA INC	Com	22052L104	32,394	676	SH		SOLE	0	676	0	0
COSTCO WHOLESALE CORP	Com	22160K105	159,079	241	SH		SOLE	0	241	0	0
CROWDSTRIKE HOLDINGS INC - A	Com	22788C105	39,064	153	SH		DFND	0	153	0	0
CROWN CASTLE INC	Com	22822V101	5,184	45	SH		SOLE	0	45	0	0
DANAHER CORP	Com	235851102	125,618	543	SH		SOLE	0	543	0	0
DEERE & CO	Com	244199105	254,717	637	SH		SOLE	0	637	0	0
DELL TECHNOLOGIES INC COM CL C	Com	24703L202	13,923	182	SH		SOLE	0	182	0	0
DEVON ENERGY CORPORATION NEW	Com	25179M103	730,463	16,125	SH		SOLE	0	16,025	0	100
WALT DISNEY CO/THE	Com	254687106	783,085	8,673	SH		SOLE	0	8,673	0	0
DOLLAR TREE INC	Com	256746108	213,075	1,500	SH		SOLE	0	1,500	0	0
DOMINION ENERGY INC	Com	25746U109	3,580,460	76,180	SH		SOLE	0	75,780	0	400
DOMINION ENERGY INC	Com	25746U109	9,353	199	SH		DFND	0	199	0	0
DOW INC	Com	260557103	44,091	804	SH		SOLE	0	804	0	0
DRAFTKINGS INC NEW CL A	Com	26142V105	21,150	600	SH		SOLE	0	600	0	0
DUKE ENERGY CORP NEW COM	Com	26441C204	127,414	1,313	SH		SOLE	0	1,313	0	0
DUPONT DE NEMOURS INC	Com	26614N102	16,386	213	SH		SOLE	0	213	0	0
ECOLAB INC	Com	278865100	5,185,464	26,143	SH		SOLE	0	25,943	0	200
ECOLAB INC	Com	278865100	89,258	450	SH		DFND	0	450	0	0
EMERSON ELECTRIC CO	Com	291011104	10,706	110	SH		SOLE	0	110	0	0
ENBRIDGE INC	Com	29250N105	5,333,373	148,067	SH		SOLE	0	146,867	0	1,200
ENBRIDGE INC	Com	29250N105	86,448	2,400	SH		DFND	0	2,400	0	0
ENTERGY CORP NEW	Com	29364G103	35,417	350	SH		SOLE	0	350	0	0
EXELON CORPORATION	Com	30161N101	39,490	1,100	SH		SOLE	0	1,100	0	0
EXXON MOBIL CORPORATION	Com	30231G102	9,188,662	91,905	SH		SOLE	0	91,605	0	300
EXXON MOBIL CORPORATION	Com	30231G102	101,380	1,014	SH		DFND	0	903	0	111
META PLATFORMS INC	Com	30303M102	127,426	360	SH		SOLE	0	360	0	0
FACTSET RESEARCH SYSTEMS INC	Com	303075105	15,743	33	SH		SOLE	0	33	0	0
FEDERAL RLTY INVT TR NEW	Com	313745101	166,529	1,616	SH		SOLE	0	1,616	0	0
FEDEX CORPORATION	Com	31428X106	50,594	200	SH		SOLE	0	200	0	0
FIFTH THIRD BANCORP	Com	316773100	1,725	50	SH		SOLE	0	50	0	0
FIRST SOLAR INC	Com	336433107	783,874	4,550	SH		SOLE	0	4,550	0	0
FIRSTENERGY CORP	Com	337932107	9,642	263	SH		SOLE	0	263	0	0
FORTUNE BRANDS INNOVATIONS INC	Com	34964C106	18,197	239	SH		SOLE	0	239	0	0
FOX CORP - CLASS B	Com	35137L204	715,001	25,859	SH		SOLE	0	25,859	0	0
FOX CORP - CLASS B	Com	35137L204	35,945	1,300	SH		DFND	0	1,300	0	0
FRANKLIN VA TAX FREE INCOME FU	Com	354723769	167,171	16,667	SH		SOLE	0	16,667	0	0
FULTON FINANCIAL CORP	Com	360271100	37,529	2,280	SH		SOLE	0	2,280	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	138,403	1,790	SH		SOLE	0	1,790	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	2,397	31	SH		DFND	0	31	0	0
GENERAL DYNAMICS CORP	Com	369550108	22,591	87	SH		SOLE	0	87	0	0
GENERAL ELECTRIC CO COM	Com	369604301	1,246,307	9,765	SH		SOLE	0	9,765	0	0
GENERAL ELECTRIC CO COM	Com	369604301	12,252	96	SH		DFND	0	96	0	0
GENERAL MILLS INC	Com	370334104	13,028	200	SH		SOLE	0	200	0	0
GENERAL MOTORS CO	Com	37045V100	17,960	500	SH		SOLE	0	500	0	0
GSK PLC SPON ADS EACH REP 2 OR	Com	37733W204	20,754	560	SH		SOLE	0	560	0	0
GLOBAL PAYMENTS INC	Com	37940X102	76,200	600	SH		SOLE	0	600	0	0
GOLDMAN SACHS GROUP INC	Com	38141G104	230,690	598	SH		SOLE	0	598	0	0
GRAPHIC PACKAGING HOLDING CO	Com	388689101	26,770	1,086	SH		SOLE	0	1,086	0	0
HALEON PLC - ADR	Com	405552100	4,115	500	SH		SOLE	0	500	0	0
HALLIBURTON CO.	Com	406216101	10,845	300	SH		SOLE	0	300	0	0
HANCOCK HOLDING CO	Com	410120109	48,590	1,000	SH		SOLE	0	1,000	0	0
HECLA MINING CO	Com	422704106	1,635	340	SH		SOLE	0	340	0	0
HECLA MINING CO	Com	422704106	1,044	217	SH		DFND	0	0	0	217
HERSHEY COMPANY	Com	427866108	293,643	1,575	SH		SOLE	0	1,575	0	0
HESS CORP	Com	42809H107	10,091	70	SH		SOLE	0	70	0	0
HEWLETT PACKARD ENTERPRISE CO	Com	42824C109	2,070,371	121,930	SH		SOLE	0	119,730	0	2,200
HEWLETT PACKARD ENTERPRISE CO	Com	42824C109	10,188	600	SH		DFND	0	500	0	100
HOME DEPOT INC.	Com	437076102	451,901	1,304	SH		SOLE	0	1,304	0	0
HONEYWELL INTERNATIONAL INC	Com	438516106	1,151,308	5,490	SH		SOLE	0	5,490	0	0
HUNTINGTON BANCSHARES 4.5 PFD	Pfd Stk	446150823	35,280	2,000	SH		SOLE	0	2,000	0	0
HUNTINGTON INGALLS INDS INC	Com	446413106	111,905	431	SH		SOLE	0	431	0	0
ILLINOIS TOOL WORKS	Com	452308109	333,974	1,275	SH		SOLE	0	1,275	0	0
INTEL CORP	Com	458140100	6,676,466	132,865	SH		SOLE	0	131,965	0	900
INTEL CORP	Com	458140100	122,861	2,445	SH		DFND	0	2,400	0	45
INTERNATIONAL BUSINESS MACHINE	Com	459200101	2,866,868	17,529	SH		SOLE	0	17,529	0	0
INTERNATIONAL BUSINESS MACHINE	Com	459200101	245,325	1,500	SH		DFND	0	1,500	0	0
INTERPUBLIC GROUP COS INC	Com	460690100	19,453	596	SH		SOLE	0	596	0	0
INTUIT INC	Com	461202103	20,001	32	SH		SOLE	0	32	0	0
ISHARES SILVER TRUST	Com	46428Q109	41,927	1,925	SH		SOLE	0	1,925	0	0
JP MORGAN CHASE & CO	Com	46625H100	612,700	3,602	SH		SOLE	0	3,602	0	0
JOHNSON & JOHNSON	Com	478160104	7,415,213	47,309	SH		SOLE	0	47,259	0	50
JOHNSON & JOHNSON	Com	478160104	157,524	1,005	SH		DFND	0	930	0	75
ZIFF DAVIS INC	Com	48123V102	33,595	500	SH		SOLE	0	500	0	0
KIMBERLY CLARK CORP	Com	494368103	972,202	8,001	SH		SOLE	0	8,001	0	0
KINDER MORGAN INC	Com	49456B101	4,183,238	237,145	SH		SOLE	0	235,645	0	1,500
KINDER MORGAN INC	Com	49456B101	68,796	3,900	SH		DFND	0	3,800	0	100
KRAFT HEINZ CO	Com	500754106	17,898	484	SH		SOLE	0	484	0	0
KROGER CO	Com	501044101	6,857	150	SH		SOLE	0	150	0	0
KYNDRYL HOLDINGS INC	Com	50155Q100	1,455	70	SH		SOLE	0	70	0	0
L3HARRIS TECHNOLOGIES INC	Com	502431109	20,430	97	SH		SOLE	0	97	0	0
LAM RESEARCH CORP	Com	512807108	15,665	20	SH		SOLE	0	20	0	0
LAMB WESTON HOLDINGS INC	Com	513272104	10,809	100	SH		DFND	0	0	0	100
LILLY (ELI) & CO.	Com	532457108	109,589	188	SH		SOLE	0	188	0	0
LOCKHEED MARTIN CORP	Com	539830109	4,622,142	10,198	SH		SOLE	0	10,198	0	0
LOCKHEED MARTIN CORP	Com	539830109	4,532	10	SH		DFND	0	10	0	0
LOWES COMPANIES	Com	548661107	227,891	1,024	SH		SOLE	0	1,024	0	0
LUMEN TECHNOLOGIES INC	Com	550241103	15,149	8,278	SH		SOLE	0	8,278	0	0
LUMINAR TECHNOLOGIES INC	Com	550424105	1,685	500	SH		SOLE	0	500	0	0
MAGNA INTL INC CL A	Com	559222401	2,954	50	SH		SOLE	0	50	0	0
MARATHON OIL CORP	Com	565849106	2,736,966	113,285	SH		SOLE	0	112,185	0	1,100
MARATHON OIL CORP	Com	565849106	4,832	200	SH		DFND	0	200	0	0
MARATHON PETROLEUM CORP	Com	56585A102	994,012	6,700	SH		SOLE	0	6,700	0	0
MARRIOTT INTERNATIONAL INC NEW	Com	571903202	437,489	1,940	SH		SOLE	0	1,940	0	0
MASTERCARD INC - CLASS A	Com	57636Q104	14,928	35	SH		SOLE	0	35	0	0
MCDONALDS CORP	Com	580135101	345,138	1,164	SH		SOLE	0	1,164	0	0
MERCK & CO INC NEW	Com	58933Y105	1,900,764	17,435	SH		SOLE	0	17,435	0	0
METLIFE INC	Com	59156R108	14,218	215	SH		SOLE	0	215	0	0
MICROSOFT CORP	Com	594918104	15,573,321	41,414	SH		SOLE	0	40,964	0	450
MICROSOFT CORP	Com	594918104	676,872	1,800	SH		DFND	0	1,800	0	0
MODERNA INC	Com	60770K107	19,890	200	SH		SOLE	0	200	0	0
MONDELEZ INTERNATIONAL, INC	Com	609207105	438,926	6,060	SH		SOLE	0	6,060	0	0
MONSTER BEVERAGE CORP	Com	61174X109	5,531	96	SH		SOLE	0	96	0	0
MORGAN STANLEY	Com	617446448	11,097	119	SH		SOLE	0	119	0	0
NESTLE S A SPONSORED ADR REPST	Com	641069406	6,140	53	SH		SOLE	0	53	0	0
NETFLIX INC	Com	64110L106	22,883	47	SH		SOLE	0	47	0	0
NEWS CORP - CLASS B (NEW)	Com	65249B208	2,572	100	SH		SOLE	0	100	0	0
NEXTERA ENERGY INC	Com	65339F101	4,468,156	73,562	SH		SOLE	0	72,762	0	800
NEXTERA ENERGY INC	Com	65339F101	101,740	1,675	SH		DFND	0	1,675	0	0
NIKE, INC.	Com	654106103	453,171	4,174	SH		SOLE	0	4,174	0	0
NORFOLK SOUTHERN CORP.	Com	655844108	3,822,501	16,171	SH		SOLE	0	15,771	0	400
NORFOLK SOUTHERN CORP.	Com	655844108	141,828	600	SH		DFND	0	600	0	0
NORTHROP GRUMMAN CORP COM	Com	666807102	147,464	315	SH		SOLE	0	315	0	0
NUTRAFEED INC	Com	67060W105	0	1	SH		SOLE	0	1	0	0
NVIDIA CORP	Com	67066G104	373,891	755	SH		SOLE	0	755	0	0
OLD POINT FINANCIAL CORPORATIO	Com	680194107	4,626,819	258,049	SH		SOLE	0	255,968	0	2,081
OLD POINT FINANCIAL CORPORATIO	Com	680194107	143,153	7,984	SH		DFND	0	2,083	0	5,901
ORACLE CORP	Com	68389X105	589,037	5,587	SH		SOLE	0	5,587	0	0
ORACLE CORP	Com	68389X105	10,543	100	SH		DFND	0	0	0	100
ORGANON & CO	Com	68622V106	303	21	SH		SOLE	0	21	0	0
OTIS WORLDWIDE CORP	Com	68902V107	22,368	250	SH		SOLE	0	250	0	0
PPG INDUSTRIES, INC.	Com	693506107	605,678	4,050	SH		SOLE	0	4,050	0	0
PALANTIR TECHNOLOGIES INC - A	Com	69608A108	2,490,491	145,049	SH		SOLE	0	145,049	0	0
PALANTIR TECHNOLOGIES INC - A	Com	69608A108	37,774	2,200	SH		DFND	0	2,200	0	0
PARKER HANNIFIN CORP	Com	701094104	46,070	100	SH		SOLE	0	100	0	0
PAYCHEX INC	Com	704326107	15,961	134	SH		SOLE	0	134	0	0
PAYPAL HOLDINGS INC	Com	70450Y103	7,553	123	SH		SOLE	0	123	0	0
PEPSICO INC	Com	713448108	8,940,547	52,641	SH		SOLE	0	52,241	0	400
PEPSICO INC	Com	713448108	148,610	875	SH		DFND	0	875	0	0
PFIZER, INC	Com	717081103	1,556,013	54,047	SH		SOLE	0	53,947	0	100
PFIZER, INC	Com	717081103	33,252	1,155	SH		DFND	0	1,155	0	0
PHILIP MORRIS INTERNATIONAL IN	Com	718172109	1,174,401	12,483	SH		SOLE	0	12,483	0	0
PHILLIPS 66	Com	718546104	493,017	3,703	SH		SOLE	0	3,703	0	0
PIONEER NATURAL RESOURCES CO	Com	723787107	3,598	16	SH		SOLE	0	16	0	0
T ROWE PRICE GROUP INC	Com	74144T108	1,392,647	12,932	SH		SOLE	0	12,932	0	0
PRIMIS FINANCIAL CORP	Com	74167B109	14,749	1,165	SH		SOLE	0	1,165	0	0
PROCTER & GAMBLE CO.	Com	742718109	8,929,122	60,933	SH		SOLE	0	60,433	0	500
PROCTER & GAMBLE CO.	Com	742718109	202,225	1,380	SH		DFND	0	1,300	0	80
PROLOGIS INC	Com	74340W103	124,236	932	SH		SOLE	0	932	0	0
PRUDENTIAL FINANCIAL INC	Com	744320102	2,489	24	SH		SOLE	0	24	0	0
PUBLIC STORAGE INC COM	Com	74460D109	56,425	185	SH		SOLE	0	185	0	0
RAYMOND JAMES FINANCIAL INC	Com	754730109	33,450	300	SH		SOLE	0	300	0	0
RTX CORPORATION	Com	75513E101	7,180,508	85,340	SH		SOLE	0	85,340	0	0
RTX CORPORATION	Com	75513E101	185,024	2,199	SH		DFND	0	2,199	0	0
ROKU INC	Com	77543R102	4,583	50	SH		SOLE	0	50	0	0
T ROWE PRICE VA TAX-FREE BOND	Com	77957R408	9,068	803	SH		SOLE	0	803	0	0
ROYAL BK CDA MONTREAL QUE COM	Com	780087102	2,732,027	27,015	SH		SOLE	0	27,015	0	0
SHELL PLC ADR	Com	780259305	131,666	2,001	SH		SOLE	0	2,001	0	0
S&P GLOBAL INC	Com	78409V104	7,929	18	SH		SOLE	0	18	0	0
SPDR GOLD TRUST	Com	78463V107	527,629	2,760	SH		SOLE	0	2,760	0	0
SALESFORCE INC	Com	79466L302	152,095	578	SH		SOLE	0	578	0	0
SANOFI-ADR	Com	80105N105	4,973	100	SH		SOLE	0	100	0	0
SCHLUMBERGER LTD	Com	806857108	12,438	239	SH		SOLE	0	239	0	0
CHARLES SCHWAB CORP NEW	Com	808513105	7,981	116	SH		SOLE	0	116	0	0
SEMPRA ENERGY	Com	816851109	5,679	76	SH		SOLE	0	76	0	0
SHOPIFY INC CL A	Com	82509L107	38,950	500	SH		SOLE	0	500	0	0
SOUTHERN CO	Com	842587107	5,581,973	79,606	SH		SOLE	0	79,106	0	500
SOUTHERN CO	Com	842587107	91,156	1,300	SH		DFND	0	1,300	0	0
SOUTHERN COPPER CORP	Com	84265V105	8,607	100	SH		SOLE	0	100	0	0
STANLEY BLACK & DECKER INC	Com	854502101	19,620	200	SH		SOLE	0	200	0	0
STARBUCKS CORP	Com	855244109	150,640	1,569	SH		SOLE	0	1,569	0	0
STRYKER CORP	Com	863667101	99,421	332	SH		SOLE	0	332	0	0
SYNOPSYS INC	Com	871607107	515	1	SH		SOLE	0	1	0	0
SYSCO CORP	Com	871829107	2,441,372	33,384	SH		SOLE	0	32,784	0	600
SYSCO CORP	Com	871829107	5,485	75	SH		DFND	0	75	0	0
TJX COMPANIES INC	Com	872540109	9,381	100	SH		SOLE	0	100	0	0
TAIWAN SEMICONDUCTOR - SP ADR	Com	874039100	18,408	177	SH		SOLE	0	177	0	0
TARGET CORP	Com	87612E106	1,974,226	13,862	SH		SOLE	0	13,862	0	0
TARGET CORP	Com	87612E106	54,832	385	SH		DFND	0	385	0	0
TC ENERGY CORP	Com	87807B107	31,272	800	SH	��	SOLE	0	800	0	0
TEREX CORP	Com	880779103	60,563	1,054	SH		SOLE	0	1,054	0	0
TESLA INC	Com	88160R101	37,272	150	SH		SOLE	0	150	0	0
TEXTRON INC	Com	883203101	4,021	50	SH		SOLE	0	50	0	0
THERMO FISHER SCIENTIFIC INC.	Com	883556102	20,701	39	SH		SOLE	0	39	0	0
3M CO	Com	88579Y101	388,305	3,552	SH		SOLE	0	3,552	0	0
TOWNEBANK	Com	89214P109	667,695	22,436	SH		SOLE	0	22,436	0	0
TOWNEBANK	Com	89214P109	18,927	636	SH		DFND	0	0	0	636
TRACTOR SUPPLY COMPANY	Com	892356106	40,856	190	SH		SOLE	0	190	0	0
TRAVELERS COMPANIES INC/THE	Com	89417E109	80,006	420	SH		SOLE	0	420	0	0
TRUIST FINANCIAL CORP	Com	89832Q109	7,409,032	200,678	SH		SOLE	0	200,178	0	500
TRUIST FINANCIAL CORP	Com	89832Q109	121,282	3,285	SH		DFND	0	2,655	0	630
UBER TECHNOLOGIES INC	Com	90353T100	6,157	100	SH		SOLE	0	100	0	0
ULTA BEAUTY INC	Com	90384S303	338,093	690	SH		SOLE	0	690	0	0
UNILEVER PLC SPONSORED ADR	Com	904767704	8,872	183	SH		SOLE	0	183	0	0
UNILEVER PLC SPONSORED ADR	Com	904767704	69,084	1,425	SH		DFND	0	1,425	0	0
UNION PACIFIC CORP	Com	907818108	24,808	101	SH		SOLE	0	101	0	0
UNITED PARCEL SERVICE CL B	Com	911312106	3,188,467	20,279	SH		SOLE	0	20,179	0	100
UNITED PARCEL SERVICE CL B	Com	911312106	97,483	620	SH		DFND	0	620	0	0
UNITED HEALTH GROUP INC	Com	91324P102	313,250	595	SH		SOLE	0	595	0	0
VF CORPORATION	Com	918204108	18,800	1,000	SH		SOLE	0	1,000	0	0
VALERO ENERGY CORP	Com	91913Y100	226,590	1,743	SH		SOLE	0	1,743	0	0
VERIZON COMMUNICATIONS	Com	92343V104	3,061,617	81,210	SH		SOLE	0	80,310	0	900
VERIZON COMMUNICATIONS	Com	92343V104	81,771	2,169	SH		DFND	0	2,169	0	0
VISA INC - CLASS A SHARES	Com	92826C839	845,877	3,249	SH		SOLE	0	3,249	0	0
VULCAN MATERIALS CO	Com	929160109	23,836	105	SH		SOLE	0	105	0	0
WEC ENERGY GROUP INC	Com	92939U106	10,100	120	SH		SOLE	0	120	0	0
WALMART INC	Com	931142103	554,928	3,520	SH		SOLE	0	3,520	0	0
WALGREENS BOOTS ALLIANCE INC	Com	931427108	460,084	17,621	SH		SOLE	0	17,621	0	0
WALGREENS BOOTS ALLIANCE INC	Com	931427108	20,888	800	SH		DFND	0	800	0	0
WARNER BROS DISCOVERY INC	Com	934423104	8,478	745	SH		SOLE	0	745	0	0
WARNER BROS DISCOVERY INC	Com	934423104	193	17	SH		DFND	0	0	0	17
WASHINGTON FEDERAL INC	Com	938824109	66,579	2,020	SH		SOLE	0	2,020	0	0
WASTE MANAGEMENT INC	Com	94106L109	124,295	694	SH		SOLE	0	694	0	0
METAVESCO INC	Com	941872103	10,659	142,310	SH		SOLE	0	142,310	0	0
WELLS FARGO & CO NEW	Com	949746101	14,766	300	SH		SOLE	0	300	0	0
WELLS FARGO & COMPANY	Pfd Stk	95002Y400	35,600	2,000	SH		SOLE	0	2,000	0	0
WESTROCK CO	Com	96145D105	35,334	851	SH		SOLE	0	851	0	0
WEYERHAEUSER CO	Com	962166104	2,429,032	69,860	SH		SOLE	0	69,760	0	100
WEYERHAEUSER CO	Com	962166104	62,586	1,800	SH		DFND	0	1,800	0	0
WILLIAMS COS INC	Com	969457100	9,369	269	SH		SOLE	0	269	0	0
YUM! BRANDS INC	Com	988498101	2,194,043	16,792	SH		SOLE	0	16,392	0	400
YUM CHINA HOLDINGS INC	Com	98850P109	2,037	48	SH		SOLE	0	48	0	0
ZIMMER BIOMET HOLDINGS INC	Com	98956P102	26,409	217	SH		SOLE	0	217	0	0
ZOETIS INC	Com	98978V103	62,369	316	SH		SOLE	0	316	0	0
ZOOM VIDEO COMMUNICATIONS INC	Com	98980L101	3,596	50	SH		SOLE	0	50	0	0
ANGLOGOLD ASHANTI PLC ORD	Com	G0378L100	16,821	900	SH		SOLE	0	900	0	0
ACCENTURE PLC CL A	Com	G1151C101	9,485,448	27,031	SH		SOLE	0	26,581	0	450
ACCENTURE PLC CL A	Com	G1151C101	7,018	20	SH		DFND	0	20	0	0
EATON CORP PLC	Com	G29183103	2,164,731	8,989	SH		SOLE	0	8,589	0	400
JOHNSON CTLS INTL PLC COM	Com	G51502105	4,438	77	SH		SOLE	0	77	0	0
LINDE PLC	Com	G54950103	39,017	95	SH		SOLE	0	95	0	0
MEDTRONIC PLC	Com	G5960L103	10,627	129	SH		SOLE	0	129	0	0
CHUBB CORP	Com	H1467J104	350,978	1,553	SH		SOLE	0	1,553	0	0
TRANSOCEAN LTD	Com	H8817H100	25,400	4,000	SH		SOLE	0	4,000	0	0
ASML HOLDING NV-NY REG SHS	Com	N07059210	15,138	20	SH		SOLE	0	20	0	0