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
ACCO BRANDS CORP	Com	00081T108	2,243	410	SH		SOLE	0	410	0	0
AFLAC INC	Com	001055102	105,427	943	SH		SOLE	0	943	0	0
AT&T INC	Com	00206R102	606,606	27,573	SH		SOLE	0	27,573	0	0
AT&T INC	Com	00206R102	928,268	42,194	SH		DFND	0	42,194	0	0
ABBOTT LABORATORIES	Com	002824100	385,924	3,385	SH		SOLE	0	3,385	0	0
ABBOTT LABORATORIES	Com	002824100	87,788	770	SH		DFND	0	770	0	0
ABBVIE INC	Com	00287Y109	384,889	1,949	SH		SOLE	0	1,949	0	0
DMK PHARMACEUTICALS CORP	Com	00547W307	0	14	SH		SOLE	0	14	0	0
ADOBE SYS INC	Com	00724F101	21,229	41	SH		SOLE	0	41	0	0
ADVANCED MICRO DEVICS	Com	007903107	264,169	1,610	SH		SOLE	0	1,610	0	0
ADVANCED MICRO DEVICS	Com	007903107	32,816	200	SH		DFND	0	200	0	0
AEROVIRONMENT INC	Com	008073108	30,075	150	SH		SOLE	0	150	0	0
AEYE INC WT EXP	Com	008183113	8	1,000	SH		SOLE	0	1,000	0	0
AGILENT TECHNOLOGIES INC	Com	00846U101	1,101,128	7,416	SH		SOLE	0	7,416	0	0
ALBEMARLE CORP	Com	012653101	196,997	2,080	SH		SOLE	0	2,080	0	0
ALIBABA GROUP HOLDINGSP ADR	Com	01609W102	5,306	50	SH		SOLE	0	50	0	0
ALLIANCE RESOURCE PARTNERS	Com	01877R108	25,000	1,000	SH		SOLE	0	1,000	0	0
ALPHABET INC CL C	Com	02079K107	40,126	240	SH		SOLE	0	240	0	0
ALPHABET INC CL A	Com	02079K305	2,949,642	17,785	SH		SOLE	0	17,615	0	170
ALPHABET INC CL A	Com	02079K305	38,146	230	SH		DFND	0	230	0	0
ALTRIA GROUP INC	Com	02209S103	648,157	12,699	SH		SOLE	0	12,699	0	0
AMAZON.COM INC	Com	023135106	6,493,787	34,851	SH		SOLE	0	34,786	0	65
AMAZON.COM INC	Com	023135106	37,266	200	SH		DFND	0	200	0	0
AMERICAN EXPRESS CO	Com	025816109	81,902	302	SH		SOLE	0	302	0	0
AMERICAN INTERNATIONAL GROUP	Com	026874784	13,108	179	SH		SOLE	0	179	0	0
AMERICAN WATER WORKS INC	Com	030420103	81,456	557	SH		SOLE	0	557	0	0
AMGEN INC	Com	031162100	8,009,818	24,859	SH		SOLE	0	24,809	0	50
ANALOG DEVICES INC	Com	032654105	468,396	2,035	SH		SOLE	0	2,035	0	0
ANGEL OAK FINANCIAL STRAT INC	Com	03464A100	26,440	2,000	SH		SOLE	0	2,000	0	0
ELEVANCE HEALTH INC	Com	036752103	1,012,440	1,947	SH		SOLE	0	1,947	0	0
APOLLO GLOBAL MANAGEMENT INC	Com	03769M106	16,488	132	SH		SOLE	0	132	0	0
APPLE INC	Com	037833100	12,009,519	51,543	SH		SOLE	0	51,043	0	500
APPLE INC	Com	037833100	244,184	1,048	SH		DFND	0	1,048	0	0
APPLIED MATERIALS INC	Com	038222105	10,103	50	SH		SOLE	0	50	0	0
ARCHER DANIELS MIDLAND CO	Com	039483102	313,396	5,246	SH		SOLE	0	5,246	0	0
ASTRAZENECA PLCSPONS ADR	Com	046353108	95,440	1,225	SH		SOLE	0	1,225	0	0
ATLANTIC UNION BANKSHARES CORP	Com	04911A107	8,174	217	SH		SOLE	0	217	0	0
AUTOMATIC DATA PROCESSING INC	Com	053015103	72,503	262	SH		SOLE	0	262	0	0
AUTOZON INC	Com	053332102	18,900	6	SH		SOLE	0	6	0	0
AXA ADR	Com	054536107	1,233	32	SH		SOLE	0	32	0	0
BCE INC NEW	Com	05534B760	17,400	500	SH		SOLE	0	500	0	0
BP PLC SPONSORED ADR	Com	055622104	3,139	100	SH		SOLE	0	100	0	0
BAKER HUGHES CO	Com	05722G100	1,205,494	33,347	SH		SOLE	0	33,247	0	100
BANK OF AMERICA CORP	Com	060505104	806,099	20,315	SH		SOLE	0	20,315	0	0
BANK OF AMERICA CORP 6 PFD ST	Pfd Stk	060505229	25,230	1,000	SH		SOLE	0	1,000	0	0
BANK OF AMERICA CORP PFD	Pfd Stk	06055H202	21,249	900	SH		SOLE	0	900	0	0
BARRICK GOLD CORP	Com	067901108	17,901	900	SH		SOLE	0	900	0	0
BAXTER INTL INC	Com	071813109	606,457	15,972	SH		SOLE	0	15,872	0	100
BECTON DICKINSON & CO	Com	075887109	1,632,488	6,771	SH		SOLE	0	6,771	0	0
WR BERKLEY CORP	Com	084423102	825,705	14,555	SH		SOLE	0	14,555	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	859,766	1,868	SH		SOLE	0	1,868	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	248,540	540	SH		DFND	0	540	0	0
BHP BILLITON LTD SPON ADR	Com	088606108	8,882	143	SH		SOLE	0	143	0	0
BIOELECTRONICS CORP	Com	09062H108	138	550,000	SH		SOLE	0	550,000	0	0
RENOVARE ENVIRONMENTAL INC	Com	09074B107	0	1,000	SH		SOLE	0	1,000	0	0
BLACKROCK INC	Com	09247X101	28,485	30	SH		SOLE	0	30	0	0
BLACKSTONE INC	Com	09260D107	7,932,900	51,805	SH		SOLE	0	51,205	0	600
BOEING CO.	Com	097023105	38,010	250	SH		SOLE	0	250	0	0
BOSTON CAPITAL TAX CREDSER 3	Com	100567882	5,742	1,250	SH		SOLE	0	1,250	0	0
BOSTON PROPERTIES INC	Com	101121101	20,115	250	SH		SOLE	0	250	0	0
BRIGHTHOUSE FINANCIAL INC 5 3/	Pfd Stk	10922N707	30,990	1,500	SH		SOLE	0	1,500	0	0
BRISTOLMYERS SQUIBB CO.	Com	110122108	846,518	16,361	SH		SOLE	0	16,361	0	0
BROADCOM INC COM	Com	11135F101	12,075	70	SH		SOLE	0	70	0	0
BROOKFIELD CORP VTG SHS CL A	Com	11271J107	7,973	150	SH		SOLE	0	150	0	0
BROOKFIELD ASSET MGMT LTD CL A	Com	113004105	1,750	37	SH		SOLE	0	37	0	0
C & F FINANCIAL CORPORATION	Com	12466Q104	40,845	700	SH		SOLE	0	700	0	0
CBRE GROUP INC	Com	12504L109	539,372	4,333	SH		SOLE	0	4,233	0	100
CIGNA GROUP	Com	125523100	133,379	385	SH		SOLE	0	385	0	0
CSX CORP	Com	126408103	497,232	14,400	SH		SOLE	0	13,600	0	800
CVS HEALTH CORP	Com	126650100	120,478	1,916	SH		SOLE	0	1,916	0	0
CANADIAN PACIFIC KANSAS CITY L	Com	13646K108	171,080	2,000	SH		SOLE	0	2,000	0	0
CAPITAL ONE FINANCIAL CORP	Com	14040H105	51,507	344	SH		SOLE	0	344	0	0
CAPITAL ONE FINANCIAL CO 4.25	Pfd Stk	14040H733	38,860	2,000	SH		SOLE	0	2,000	0	0
CARRIAGE SERVICES INC	Com	143905107	9,849	300	SH		SOLE	0	300	0	0
CATERPILLAR INC	Com	149123101	475,993	1,217	SH		SOLE	0	1,217	0	0
CHARTER COMMUNICATIONS INC NEW	Com	16119P108	1,944	6	SH		SOLE	0	6	0	0
CHESAPEAKE FINANCIAL SHS, INC.	Com	16517A109	33,350	1,728	SH		SOLE	0	1,728	0	0
CHEVRON CORP	Com	166764100	1,194,507	8,111	SH		SOLE	0	8,111	0	0
CHIPOTLE MEXICAN GRILL INC	Com	169656105	28,810	500	SH		SOLE	0	500	0	0
CHURCH & DWIGHT CO INC	Com	171340102	104,720	1,000	SH		SOLE	0	1,000	0	0
CINCINNATI FINANCIAL CORP	Com	172062101	34,030	250	SH		SOLE	0	250	0	0
CISCO SYSTEMS	Com	17275R102	7,079,112	133,016	SH		SOLE	0	132,416	0	600
CISCO SYSTEMS	Com	17275R102	27,142	510	SH		DFND	0	300	0	210
CITIGROUP INC NEW	Com	172967424	6,260	100	SH		SOLE	0	100	0	0
CLOROX CO	Com	189054109	301,384	1,850	SH		SOLE	0	1,850	0	0
COCA COLA BOTTLING CO CONS	Com	191098102	36,859	28	SH		SOLE	0	28	0	0
COCACOLA CO	Com	191216100	1,827,615	25,433	SH		SOLE	0	25,433	0	0
COCACOLA CO	Com	191216100	1,171,749	16,306	SH		DFND	0	16,306	0	0
COGNIZANT TECH SOLUTIONSA	Com	192446102	15,436	200	SH		SOLE	0	200	0	0
COLGATE PALMOLIVE CO.	Com	194162103	201,495	1,941	SH		SOLE	0	1,941	0	0
COMCAST CORP CL A	Com	20030N101	30,826	738	SH		SOLE	0	738	0	0
COMCAST CORP CL A	Com	20030N101	150,372	3,600	SH		DFND	0	3,600	0	0
CONAGRA BRANDS INC	Com	205887102	8,130	250	SH		SOLE	0	250	0	0
CONOCOPHILLIPS	Com	20825C104	8,035,075	76,321	SH		SOLE	0	75,621	0	700
CONOCOPHILLIPS	Com	20825C104	10,528	100	SH		DFND	0	100	0	0
CONSOLIDATED EDISON INC	Com	209115104	26,033	250	SH		SOLE	0	250	0	0
CONSTELLATION BRANDS INCA	Com	21036P108	25,769	100	SH		SOLE	0	100	0	0
CONSTELLATION ENERGY CORPORATI	Com	21037T109	95,167	366	SH		SOLE	0	366	0	0
CONTRAFECT CORP	Com	212326409	0	6	SH		SOLE	0	6	0	0
CORNING INC	Com	219350105	18,195	403	SH		SOLE	0	403	0	0
CORTEVA INC	Com	22052L104	34,745	591	SH		SOLE	0	591	0	0
COSTCO WHOLESALE CORP	Com	22160K105	199,467	225	SH		SOLE	0	225	0	0
CROWDSTRIKE HOLDINGS INC A	Com	22788C105	28,608	102	SH		DFND	0	102	0	0
CUE HEALTH INC	Com	229790100	0	350	SH		SOLE	0	350	0	0
DANAHER CORP	Com	235851102	381,165	1,371	SH		SOLE	0	1,371	0	0
DARDEN RESTAURANTS INC	Com	237194105	196,956	1,200	SH		SOLE	0	1,200	0	0
DEERE & CO	Com	244199105	966,536	2,316	SH		SOLE	0	2,241	0	75
DELL TECHNOLOGIES INC COM CL C	Com	24703L202	21,574	182	SH		SOLE	0	182	0	0
DELTA AIR LINES INC	Com	247361702	25,395	500	SH		SOLE	0	500	0	0
DEVON ENERGY CORPORATION NEW	Com	25179M103	689,490	17,625	SH		SOLE	0	17,525	0	100
WALT DISNEY CO/THE	Com	254687106	759,131	7,892	SH		SOLE	0	7,892	0	0
DISCOVER FINANCIAL SERVICES	Com	254709108	15,011	107	SH		SOLE	0	107	0	0
DOLLAR TREE INC	Com	256746108	105,480	1,500	SH		SOLE	0	1,500	0	0
DOMINION ENERGY INC	Com	25746U109	3,538,539	61,231	SH		SOLE	0	60,831	0	400
DOMINION ENERGY INC	Com	25746U109	11,500	199	SH		DFND	0	199	0	0
DOW INC	Com	260557103	39,279	719	SH		SOLE	0	719	0	0
DRAFTKINGS INC NEW CL A	Com	26142V105	23,520	600	SH		SOLE	0	600	0	0
DUKE ENERGY CORP NEW COM	Com	26441C204	124,755	1,082	SH		SOLE	0	1,082	0	0
DUPONT DE NEMOURS INC	Com	26614N102	11,406	128	SH		SOLE	0	128	0	0
EASTMAN CHEM CO	Com	277432100	74,111	662	SH		DFND	0	662	0	0
ECOLAB INC	Com	278865100	5,522,277	21,628	SH		SOLE	0	21,428	0	200
ELOXX PHARMACEUTICALS INC NEW	Com	29014R202	0	62	SH		SOLE	0	62	0	0
EMBECTA CORPORATION COM	Com	29082K105	18,288	1,297	SH		SOLE	0	1,297	0	0
EMERSON ELECTRIC CO	Com	291011104	12,031	110	SH		SOLE	0	110	0	0
ENBRIDGE INC	Com	29250N105	4,994,258	122,981	SH		SOLE	0	121,781	0	1,200
ENTERGY CORP NEW	Com	29364G103	46,064	350	SH		SOLE	0	350	0	0
EXELON CORPORATION	Com	30161N101	44,605	1,100	SH		SOLE	0	1,100	0	0
EXXON MOBIL CORPORATION	Com	30231G102	10,260,735	87,534	SH		SOLE	0	87,234	0	300
EXXON MOBIL CORPORATION	Com	30231G102	431,018	3,677	SH		DFND	0	3,566	0	111
META PLATFORMS INC	Com	30303M102	435,054	760	SH		SOLE	0	760	0	0
FACTSET RESEARCH SYSTEMS INC	Com	303075105	15,175	33	SH		SOLE	0	33	0	0
FEDERAL HOME LN MTG CORP PERP	Pfd Stk	313400673	838	250	SH		SOLE	0	250	0	0
FEDERAL RLTY INVT TR NEW	Com	313745101	185,792	1,616	SH		SOLE	0	1,616	0	0
FEDEX CORPORATION	Com	31428X106	68,420	250	SH		SOLE	0	250	0	0
FERGUSON ENTERPRISES INC	Com	31488V107	40,111	202	SH		SOLE	0	202	0	0
FIFTH THIRD BANCORP	Com	316773100	2,142	50	SH		SOLE	0	50	0	0
FIRST SOLAR INC	Com	336433107	770,770	3,090	SH		SOLE	0	3,090	0	0
FIRSTENERGY CORP	Com	337932107	11,664	263	SH		SOLE	0	263	0	0
FISKER INC CL A	Com	33813J106	0	500	SH		SOLE	0	500	0	0
FORTUNE BRANDS INNOVATIONS INC	Com	34964C106	21,398	239	SH		SOLE	0	239	0	0
FOX CORP CLASS B	Com	35137L204	636,126	16,395	SH		SOLE	0	16,395	0	0
FRANKLIN VA TAX FREE INCOME FU	Com	354723769	111,184	10,932	SH		SOLE	0	10,932	0	0
FULTON FINANCIAL CORP	Com	360271100	41,336	2,280	SH		SOLE	0	2,280	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	122,099	1,301	SH		SOLE	0	1,301	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	61,003	650	SH		DFND	0	650	0	0
GE VERNOVA LLC COM	Com	36828A101	270,279	1,060	SH		SOLE	0	1,060	0	0
GE VERNOVA LLC COM	Com	36828A101	124,685	489	SH		DFND	0	489	0	0
GENERAL DYNAMICS CORP	Com	369550108	26,291	87	SH		SOLE	0	87	0	0
GE AEROSPACE	Com	369604301	1,470,924	7,800	SH		SOLE	0	7,800	0	0
GE AEROSPACE	Com	369604301	370,560	1,965	SH		DFND	0	1,965	0	0
GENERAL MILLS INC	Com	370334104	14,770	200	SH		SOLE	0	200	0	0
GENERAL MOTORS CO	Com	37045V100	22,420	500	SH		SOLE	0	500	0	0
GENUINE PARTS CO	Com	372460105	483,293	3,460	SH		SOLE	0	3,460	0	0
GSK PLC SPON ADS EACH REP 2 OR	Com	37733W204	33,849	828	SH		SOLE	0	828	0	0
GLOBAL TECHNOLOGIES LTD CL A	Com	378949101	3	10,000	SH		SOLE	0	10,000	0	0
GLOBAL PAYMENTS INC	Com	37940X102	61,452	600	SH		SOLE	0	600	0	0
GOLDMAN SACHS GROUP INC	Com	38141G104	296,076	598	SH		SOLE	0	598	0	0
GRAPHIC PACKAGING HOLDING CO	Com	388689101	32,135	1,086	SH		SOLE	0	1,086	0	0
HALEON PLC ADR	Com	405552100	8,845	836	SH		SOLE	0	836	0	0
HALLIBURTON CO.	Com	406216101	8,715	300	SH		SOLE	0	300	0	0
HANCOCK HOLDING CO	Com	410120109	51,170	1,000	SH		SOLE	0	1,000	0	0
HECLA MINING CO	Com	422704106	3,715	557	SH		SOLE	0	557	0	0
HERSHEY COMPANY	Com	427866108	607,943	3,170	SH		SOLE	0	3,170	0	0
HEWLETT PACKARD ENTERPRISE CO	Com	42824C109	2,109,017	103,080	SH		SOLE	0	100,880	0	2,200
HILTON WORLDWIDE HOLDINGS IN	Com	43300A203	23,050	100	SH		SOLE	0	100	0	0
HOME DEPOT INC.	Com	437076102	412,899	1,019	SH		SOLE	0	1,019	0	0
HONEYWELL INTERNATIONAL INC	Com	438516106	1,134,838	5,490	SH		SOLE	0	5,490	0	0
HUMBL INC	Com	44501Q104	0	125	SH		SOLE	0	125	0	0
HUNTINGTON BANCSHARES 4.5 PFD	Pfd Stk	446150823	40,880	2,000	SH		SOLE	0	2,000	0	0
HUNTINGTON INGALLS INDS INC	Com	446413106	102,579	388	SH		SOLE	0	388	0	0
HYATT HOTELS CORP CL A	Com	448579102	15,220	100	SH		SOLE	0	100	0	0
HYRECAR INC	Com	44916T107	0	1,000	SH		SOLE	0	1,000	0	0
ILLINOIS TOOL WORKS	Com	452308109	251,325	959	SH		SOLE	0	959	0	0
ILLINOIS TOOL WORKS	Com	452308109	21,752	83	SH		DFND	0	83	0	0
INFINITY PHARMACEUTICALS INC	Com	45665G303	0	500	SH		SOLE	0	500	0	0
INGEVITY CORP	Com	45688C107	7,020	180	SH		SOLE	0	180	0	0
INTEL CORP	Com	458140100	2,551,158	108,745	SH		SOLE	0	107,845	0	900
INTEL CORP	Com	458140100	19,495	831	SH		DFND	0	831	0	0
INTERNATIONAL BUSINESS MACHINE	Com	459200101	3,561,378	16,109	SH		SOLE	0	16,109	0	0
INTERNATIONAL BUSINESS MACHINE	Com	459200101	22,108	100	SH		DFND	0	100	0	0
INTERPUBLIC GROUP COS INC	Com	460690100	160,554	5,076	SH		SOLE	0	5,076	0	0
INTUIT INC	Com	461202103	19,872	32	SH		SOLE	0	32	0	0
ISHARES 20YR TR	Com	464287432	8,731	89	SH		SOLE	0	89	0	0
ISHARES SILVER TRUST	Com	46428Q109	54,689	1,925	SH		SOLE	0	1,925	0	0
iShares iBonds Dec 2027 Term T	Com	46436E841	67,452	2,980	SH		SOLE	0	2,980	0	0
iShares iBonds Dec 2026 Term T	Com	46436E858	48,437	2,100	SH		SOLE	0	2,100	0	0
JP MORGAN CHASE & CO	Com	46625H100	978,390	4,640	SH		SOLE	0	4,640	0	0
JOHNSON & JOHNSON	Com	478160104	8,020,998	49,494	SH		SOLE	0	49,444	0	50
JOHNSON & JOHNSON	Com	478160104	162,870	1,005	SH		DFND	0	930	0	75
KIMBERLY CLARK CORP	Com	494368103	1,063,828	7,477	SH		SOLE	0	7,477	0	0
KINDER MORGAN INC	Com	49456B101	4,625,094	209,375	SH		SOLE	0	207,875	0	1,500
KINDER MORGAN INC	Com	49456B101	11,045	500	SH		DFND	0	500	0	0
KINROSS GOLD CORP	Com	496902404	9,360	1,000	SH		SOLE	0	1,000	0	0
KONINKLIJKE PHILIPS NV	Com	500472303	33,669	1,029	SH		SOLE	0	1,029	0	0
KRAFT HEINZ CO	Com	500754106	16,993	484	SH		SOLE	0	484	0	0
KRATOS DEFENSE & SEC SOLUTIONS	Com	50077B207	23,300	1,000	SH		SOLE	0	1,000	0	0
KROGER CO	Com	501044101	14,554	254	SH		SOLE	0	254	0	0
L3HARRIS TECHNOLOGIES INC	Com	502431109	6,660	28	SH		SOLE	0	28	0	0
LAM RESEARCH CORP	Com	512807108	16,322	20	SH		SOLE	0	20	0	0
LAMB WESTON HOLDINGS INC	Com	513272104	6,474	100	SH		SOLE	0	100	0	0
LEMONADE INC	Com	52567D107	1,649	100	SH		SOLE	0	100	0	0
LILLY (ELI) & CO.	Com	532457108	166,557	188	SH		SOLE	0	188	0	0
LOCKHEED MARTIN CORP	Com	539830109	4,979,867	8,519	SH		SOLE	0	8,519	0	0
LOCKHEED MARTIN CORP	Com	539830109	5,846	10	SH		DFND	0	10	0	0
LOWES COMPANIES	Com	548661107	290,893	1,074	SH		SOLE	0	1,074	0	0
LUMEN TECHNOLOGIES INC	Com	550241103	19,269	2,714	SH		SOLE	0	2,714	0	0
LUMINAR TECHNOLOGIES INC	Com	550424105	675	750	SH		SOLE	0	750	0	0
M & T BANK CORP	Com	55261F104	44,530	250	SH		SOLE	0	250	0	0
MFS VIRGINIA MUNI BOND FUND A	Com	55273N830	119,828	11,445	SH		SOLE	0	11,445	0	0
MSC INDUSTRIAL DIRECT CO A	Com	553530106	129,090	1,500	SH		SOLE	0	1,500	0	0
MAGNA INTL INC CL A	Com	559222401	2,052	50	SH		SOLE	0	50	0	0
MARATHON OIL CORP	Com	565849106	3,014,649	113,205	SH		SOLE	0	112,105	0	1,100
MARATHON PETROLEUM CORP	Com	56585A102	1,046,697	6,425	SH		SOLE	0	6,425	0	0
MARRIOTT INTERNATIONAL INC NEW	Com	571903202	1,367,300	5,500	SH		SOLE	0	5,500	0	0
MASTERCARD INC CLASS A	Com	57636Q104	91,353	185	SH		SOLE	0	185	0	0
MATTHEWS INTL CORPCLASS A	Com	577128101	5,568	240	SH		SOLE	0	240	0	0
MCDONALDS CORP	Com	580135101	354,450	1,164	SH		SOLE	0	1,164	0	0
MERCK & CO INC NEW	Com	58933Y105	2,002,631	17,635	SH		SOLE	0	17,635	0	0
METLIFE INC	Com	59156R108	9,073	110	SH		SOLE	0	110	0	0
MICROSOFT CORP	Com	594918104	16,231,777	37,722	SH		SOLE	0	37,297	0	425
MICROSOFT CORP	Com	594918104	320,574	745	SH		DFND	0	745	0	0
MIDDLEBY CORP	Com	596278101	16,696	120	SH		SOLE	0	120	0	0
MODERNA INC	Com	60770K107	13,366	200	SH		SOLE	0	200	0	0
MONDELEZ INTERNATIONAL, INC	Com	609207105	436,274	5,922	SH		SOLE	0	5,922	0	0
MONSTER BEVERAGE CORP	Com	61174X109	5,008	96	SH		SOLE	0	96	0	0
MORGAN STANLEY	Com	617446448	12,405	119	SH		SOLE	0	119	0	0
MOSAIC CO/THE	Com	61945C103	192,816	7,200	SH		SOLE	0	7,200	0	0
NCR VOYIX CORP	Com	62886E108	516	38	SH		SOLE	0	38	0	0
NCR ATLEOS CORP	Com	63001N106	542	19	SH		SOLE	0	19	0	0
NESTLE S A SPONSORED ADR REPST	Com	641069406	5,338	53	SH		SOLE	0	53	0	0
NETFLIX INC	Com	64110L106	33,336	47	SH		SOLE	0	47	0	0
NEWMONT MINING	Com	651639106	9,407	176	SH		SOLE	0	176	0	0
NEWS CORP CLASS B (NEW)	Com	65249B208	2,795	100	SH		SOLE	0	100	0	0
NEXTERA ENERGY INC	Com	65339F101	6,517,939	77,108	SH		SOLE	0	76,308	0	800
NEXTERA ENERGY INC	Com	65339F101	6,340	75	SH		DFND	0	75	0	0
NIKE, INC.	Com	654106103	362,175	4,097	SH		SOLE	0	4,097	0	0
NIKOLA CORP	Com	654110303	202	44	SH		SOLE	0	44	0	0
NOKIA CORP SPONSORED ADR	Com	654902204	188	43	SH		DFND	0	43	0	0
NORFOLK SOUTHERN CORP.	Com	655844108	5,312,930	21,380	SH		SOLE	0	21,080	0	300
NORTHROP GRUMMAN CORP COM	Com	666807102	130,961	248	SH		SOLE	0	248	0	0
NUTRAFEED INC	Com	67060W105	0	1	SH		SOLE	0	1	0	0
NVIDIA CORP	Com	67066G104	898,656	7,400	SH		SOLE	0	7,400	0	0
OCCIDENTAL PETROLEUM CORP	Com	674599105	5,154	100	SH		SOLE	0	100	0	0
OLD POINT FINANCIAL CORPORATIO	Com	680194107	5,014,796	259,565	SH		SOLE	0	259,074	0	491
OLD POINT FINANCIAL CORPORATIO	Com	680194107	18,798	973	SH		DFND	0	0	0	973
ONEOK INC	Com	682680103	28,797	316	SH		SOLE	0	316	0	0
CONTRA TRAWS PHARMA I RIGHT	Com	682CVR055	0	166	SH		SOLE	0	166	0	0
ORACLE CORP	Com	68389X105	947,083	5,558	SH		SOLE	0	5,558	0	0
OTIS WORLDWIDE CORP	Com	68902V107	25,985	250	SH		SOLE	0	250	0	0
OZOP ENERGY SOLU INC NEW	Com	692732209	6	5,000	SH		SOLE	0	5,000	0	0
PPG INDUSTRIES, INC.	Com	693506107	536,463	4,050	SH		SOLE	0	4,050	0	0
PALANTIR TECHNOLOGIES INC A	Com	69608A108	4,932,683	132,599	SH		SOLE	0	132,599	0	0
PALO ALTO NETWORKS INC	Com	697435105	102,540	300	SH		SOLE	0	300	0	0
PARKER HANNIFIN CORP	Com	701094104	63,182	100	SH		SOLE	0	100	0	0
PAYCHEX INC	Com	704326107	17,981	134	SH		SOLE	0	134	0	0
PAYPAL HOLDINGS INC	Com	70450Y103	9,598	123	SH		SOLE	0	123	0	0
PEPSICO INC	Com	713448108	8,877,970	52,208	SH		SOLE	0	51,808	0	400
PEPSICO INC	Com	713448108	17,005	100	SH		DFND	0	100	0	0
PFIZER, INC	Com	717081103	1,881,042	64,998	SH		SOLE	0	64,898	0	100
PFIZER, INC	Com	717081103	30,532	1,055	SH		DFND	0	1,055	0	0
PHILIP MORRIS INTERNATIONAL IN	Com	718172109	1,488,364	12,260	SH		SOLE	0	12,260	0	0
PHILLIPS 66	Com	718546104	566,418	4,309	SH		SOLE	0	4,309	0	0
T ROWE PRICE GROUP INC	Com	74144T108	1,058,255	9,715	SH		SOLE	0	9,715	0	0
PRIMIS FINANCIAL CORP	Com	74167B109	10,645	874	SH		SOLE	0	874	0	0
PROCTER & GAMBLE CO.	Com	742718109	9,828,407	56,746	SH		SOLE	0	56,246	0	500
PROCTER & GAMBLE CO.	Com	742718109	100,456	580	SH		DFND	0	500	0	80
PROLOGIS INC	Com	74340W103	117,693	932	SH		SOLE	0	932	0	0
PROTO LABS INC	Com	743713109	2,937	100	SH		SOLE	0	100	0	0
PRUDENTIAL FINANCIAL INC	Com	744320102	12,110	100	SH		SOLE	0	100	0	0
PUBLIC STORAGE INC COM	Com	74460D109	67,316	185	SH		SOLE	0	185	0	0
QUALCOMM INC	Com	747525103	329,217	1,936	SH		SOLE	0	1,936	0	0
RTX CORPORATION	Com	75513E101	8,095,548	66,817	SH		SOLE	0	66,817	0	0
RTX CORPORATION	Com	75513E101	34,288	283	SH		DFND	0	283	0	0
REGENERON PHARMACEUTICAL	Com	75886F107	26,281	25	SH		SOLE	0	25	0	0
ROKU INC	Com	77543R102	3,733	50	SH		SOLE	0	50	0	0
T ROWE PRICE VA TAXFREE BOND	Com	77957R408	9,197	803	SH		SOLE	0	803	0	0
ROYAL BK CDA MONTREAL QUE COM	Com	780087102	1,184,935	9,500	SH		SOLE	0	9,500	0	0
SHELL PLC ADR	Com	780259305	46,231	701	SH		SOLE	0	701	0	0
SPDR GOLD TRUST	Com	78463V107	670,846	2,760	SH		SOLE	0	2,760	0	0
SALESFORCE INC	Com	79466L302	1,018,749	3,722	SH		SOLE	0	3,622	0	100
SANOFIADR	Com	80105N105	5,763	100	SH		SOLE	0	100	0	0
SCHLUMBERGER LTD	Com	806857108	4,195	100	SH		SOLE	0	100	0	0
CHARLES SCHWAB CORP NEW	Com	808513105	7,518	116	SH		SOLE	0	116	0	0
SEMPRA ENERGY	Com	816851109	6,356	76	SH		SOLE	0	76	0	0
SHIFT TECHNOLOGIES INC CL A NE	Com	82452T305	0	35	SH		SOLE	0	35	0	0
SHOPIFY INC CL A	Com	82509L107	40,070	500	SH		SOLE	0	500	0	0
SIMON PROPERTY GROUP INC	Com	828806109	50,706	300	SH		SOLE	0	300	0	0
SIRIUS XM HLDGS INC NEW COM	Com	829933100	1,088	46	SH		SOLE	0	46	0	0
SMILEDIRECTCLUB INC CL A	Com	83192H106	0	250	SH		SOLE	0	250	0	0
SOLVENTUM CORP COM	Com	83444M101	17,430	250	SH		SOLE	0	250	0	0
SONY CORP	Com	835699307	84,982	880	SH		SOLE	0	880	0	0
SOUTHERN CO	Com	842587107	6,929,702	76,843	SH		SOLE	0	76,343	0	500
SOUTHERN COPPER CORP	Com	84265V105	11,683	101	SH		SOLE	0	101	0	0
STANLEY BLACK & DECKER INC	Com	854502101	22,026	200	SH		SOLE	0	200	0	0
STARBUCKS CORP	Com	855244109	152,962	1,569	SH		SOLE	0	1,569	0	0
STRYKER CORP	Com	863667101	119,938	332	SH		SOLE	0	332	0	0
SUNHYDROGEN INC	Com	86738R108	140	5,000	SH		SOLE	0	5,000	0	0
SYNCHRONY FINANCIAL	Com	87165B103	12,470	250	SH		SOLE	0	250	0	0
SYSCO CORP	Com	871829107	2,848,487	36,491	SH		SOLE	0	35,891	0	600
SYSCO CORP	Com	871829107	5,855	75	SH		DFND	0	75	0	0
TJX COMPANIES INC	Com	872540109	11,754	100	SH		SOLE	0	100	0	0
TAIWAN SEMICONDUCTOR SP ADR	Com	874039100	30,740	177	SH		SOLE	0	177	0	0
TARGET CORP	Com	87612E106	1,924,871	12,350	SH		SOLE	0	12,350	0	0
TARGET CORP	Com	87612E106	60,006	385	SH		DFND	0	385	0	0
TC ENERGY CORP	Com	87807B107	14,265	300	SH		SOLE	0	300	0	0
TEREX CORP	Com	880779103	55,767	1,054	SH		SOLE	0	1,054	0	0
TESLA INC	Com	88160R101	239,391	915	SH		SOLE	0	915	0	0
TEXTRON INC	Com	883203101	4,429	50	SH		SOLE	0	50	0	0
TEXTRON INC	Com	883203101	102,664	1,159	SH		DFND	0	1,159	0	0
THERMO FISHER SCIENTIFIC INC.	Com	883556102	24,124	39	SH		SOLE	0	39	0	0
3M CO	Com	88579Y101	451,383	3,302	SH		SOLE	0	3,302	0	0
TITAN MED INC NEW	Com	88830X819	40	1,000	SH		SOLE	0	1,000	0	0
TOWNEBANK	Com	89214P109	756,148	22,872	SH		SOLE	0	22,872	0	0
TRACTOR SUPPLY COMPANY	Com	892356106	100,371	345	SH		SOLE	0	345	0	0
TRAVELERS COMPANIES INC/THE	Com	89417E109	98,330	420	SH		SOLE	0	420	0	0
TRUIST FINANCIAL CORP	Com	89832Q109	7,255,032	169,629	SH		SOLE	0	169,129	0	500
TRUIST FINANCIAL CORP	Com	89832Q109	49,399	1,155	SH		DFND	0	1,155	0	0
TUSIMPLE HLDGS INC CL A	Com	90089L108	24	100	SH		SOLE	0	100	0	0
23ANDME HLDG CO CL A	Com	90138Q108	174	500	SH		SOLE	0	500	0	0
UBER TECHNOLOGIES INC	Com	90353T100	7,516	100	SH		SOLE	0	100	0	0
ULTA BEAUTY INC	Com	90384S303	1,333,514	3,427	SH		SOLE	0	3,427	0	0
UNILEVER PLC SPONSORED ADR	Com	904767704	11,888	183	SH		SOLE	0	183	0	0
UNION PACIFIC CORP	Com	907818108	68,768	279	SH		SOLE	0	279	0	0
UNITED CONTINENTAL HOLDINGS IN	Com	910047109	28,530	500	SH		SOLE	0	500	0	0
UNITED PARCEL SERVICE CL B	Com	911312106	3,164,588	23,211	SH		SOLE	0	23,111	0	100
UNITED PARCEL SERVICE CL B	Com	911312106	2,727	20	SH		DFND	0	20	0	0
UNITED HEALTH GROUP INC	Com	91324P102	347,885	595	SH		SOLE	0	595	0	0
VF CORPORATION	Com	918204108	19,950	1,000	SH		SOLE	0	1,000	0	0
VALERO ENERGY CORP	Com	91913Y100	248,860	1,843	SH		SOLE	0	1,843	0	0
VANGUARD INTERME	Com	92206C706	6,646	110	SH		SOLE	0	110	0	0
VERIZON COMMUNICATIONS	Com	92343V104	4,008,352	89,253	SH		SOLE	0	88,353	0	900
VERIZON COMMUNICATIONS	Com	92343V104	532,363	11,854	SH		DFND	0	11,854	0	0
VICI PROPERTIES INC	Com	925652109	149,895	4,500	SH		SOLE	0	4,500	0	0
VISA INC CLASS A SHARES	Com	92826C839	1,736,309	6,315	SH		SOLE	0	6,315	0	0
VIVEVE MED INC NEW	Com	92852W501	0	1,000	SH		SOLE	0	1,000	0	0
VULCAN MATERIALS CO	Com	929160109	26,295	105	SH		SOLE	0	105	0	0
WABTEC CORP COM	Com	929740108	106,517	586	SH		SOLE	0	586	0	0
WABTEC CORP COM	Com	929740108	14,178	78	SH		DFND	0	78	0	0
WAITR HLDGS INC NEW	Com	930752209	0	100	SH		SOLE	0	100	0	0
WALMART INC	Com	931142103	855,466	10,594	SH		SOLE	0	10,594	0	0
WALGREENS BOOTS ALLIANCE INC	Com	931427108	90,684	10,121	SH		SOLE	0	10,121	0	0
WARNER BROS DISCOVERY INC	Com	934423104	413	50	SH		SOLE	0	50	0	0
WARNER BROS DISCOVERY INC	Com	934423104	78,969	9,572	SH		DFND	0	9,572	0	0
WASHINGTON FEDERAL INC	Com	938824109	70,397	2,020	SH		SOLE	0	2,020	0	0
WASTE MANAGEMENT INC	Com	94106L109	134,317	647	SH		SOLE	0	647	0	0
METAVESCO INC	Com	941872103	8,405	140,310	SH		SOLE	0	140,310	0	0
WELLS FARGO & CO NEW	Com	949746101	66,828	1,183	SH		SOLE	0	1,183	0	0
WELLS FARGO & COMPANY	Pfd Stk	95002Y400	40,900	2,000	SH		SOLE	0	2,000	0	0
WEYERHAEUSER CO	Com	962166104	2,476,182	73,130	SH		SOLE	0	73,030	0	100
WEYERHAEUSER CO	Com	962166104	3,386	100	SH		DFND	0	100	0	0
WILLIAMS COS INC	Com	969457100	12,280	269	SH		SOLE	0	269	0	0
YUM! BRANDS INC	Com	988498101	2,135,747	15,287	SH		SOLE	0	14,887	0	400
ZIMMER BIOMET HOLDINGS INC	Com	98956P102	23,425	217	SH		SOLE	0	217	0	0
ZOETIS INC	Com	98978V103	61,740	316	SH		SOLE	0	316	0	0
ZOSANO PHARMA CORP	Com	98979H301	0	28	SH		SOLE	0	28	0	0
ZOOM VIDEO COMMUNICATIONS INC	Com	98980L101	3,487	50	SH		SOLE	0	50	0	0
ZOMEDICA CORP	Com	98980M109	137	1,000	SH		SOLE	0	1,000	0	0
ANGLOGOLD ASHANTI PLC ORD	Com	G0378L100	23,967	900	SH		SOLE	0	900	0	0
ACCENTURE PLC CL A	Com	G1151C101	8,563,406	24,226	SH		SOLE	0	23,836	0	390
ACCENTURE PLC CL A	Com	G1151C101	7,070	20	SH		DFND	0	20	0	0
EATON CORP PLC	Com	G29183103	2,660,469	8,027	SH		SOLE	0	7,727	0	300
LINDE PLC	Com	G54950103	45,302	95	SH		SOLE	0	95	0	0
SMURFIT WESTROCK LIMITED	Com	G8267P108	53,571	1,084	SH		SOLE	0	1,084	0	0
CHUBB CORP	Com	H1467J104	1,047,432	3,632	SH		SOLE	0	3,632	0	0
TRANSOCEAN LTD	Com	H8817H100	17,000	4,000	SH		SOLE	0	4,000	0	0
STRATASYS LTD	Com	M85548101	831	100	SH		SOLE	0	100	0	0
ASML HOLDING NVNY REG SHS	Com	N07059210	16,665	20	SH		SOLE	0	20	0	0
AZURE POWER GLOB	Com	V0393H103	58	150	SH		SOLE	0	150	0	0
EQONEX LTD	Com	Y2074E109	15	500	SH		SOLE	0	500	0	0