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	2,153	410	SH		SOLE	0	410	0	0
AFLAC INC	Com	001055102	97,544	943	SH		SOLE	0	943	0	0
AT&T INC	Com	00206R102	587,648	25,808	SH		SOLE	0	25,808	0	0
AT&T INC	Com	00206R102	960,757	42,194	SH		DFND	0	42,194	0	0
ABBOTT LABORATORIES	Com	002824100	382,877	3,385	SH		SOLE	0	3,385	0	0
ABBOTT LABORATORIES	Com	002824100	87,095	770	SH		DFND	0	770	0	0
ABBVIE INC	Com	00287Y109	346,337	1,949	SH		SOLE	0	1,949	0	0
ABERDEEN STD SILVER ETF TR	Com	003264108	96,495	3,500	SH		SOLE	0	3,500	0	0
ADOBE SYS INC	Com	00724F101	18,232	41	SH		SOLE	0	41	0	0
ADVANCED MICRO DEVICS	Com	007903107	194,472	1,610	SH		SOLE	0	1,610	0	0
ADVANCED MICRO DEVICS	Com	007903107	24,158	200	SH		DFND	0	200	0	0
AEYE INC WT EXP	Com	008183113	80	1,000	SH		SOLE	0	1,000	0	0
AGILENT TECHNOLOGIES INC	Com	00846U101	947,231	7,051	SH		SOLE	0	7,051	0	0
ALBEMARLE CORP	Com	012653101	170,438	1,980	SH		SOLE	0	1,980	0	0
ALIBABA GROUP HOLDING-SP ADR	Com	01609W102	4,240	50	SH		SOLE	0	50	0	0
ALLIANCE RESOURCE PARTNERS	Com	01877R108	26,290	1,000	SH		SOLE	0	1,000	0	0
ALPHABET INC - CL C	Com	02079K107	38,088	200	SH		SOLE	0	200	0	0
ALPHABET INC - CL A	Com	02079K305	3,286,248	17,360	SH		SOLE	0	17,190	0	170
ALPHABET INC - CL A	Com	02079K305	43,539	230	SH		DFND	0	230	0	0
ALTRIA GROUP INC	Com	02209S103	656,187	12,549	SH		SOLE	0	12,549	0	0
AMAZON.COM INC	Com	023135106	7,492,388	34,151	SH		SOLE	0	34,086	0	65
AMAZON.COM INC	Com	023135106	43,878	200	SH		DFND	0	200	0	0
AMERICAN EXPRESS CO	Com	025816109	89,631	302	SH		SOLE	0	302	0	0
AMERICAN INTERNATIONAL GROUP	Com	026874784	5,751	79	SH		SOLE	0	79	0	0
AMERICAN WATER WORKS INC	Com	030420103	69,341	557	SH		SOLE	0	557	0	0
AMGEN INC	Com	031162100	6,373,691	24,454	SH		SOLE	0	24,404	0	50
ANALOG DEVICES INC	Com	032654105	432,356	2,035	SH		SOLE	0	2,035	0	0
ELEVANCE HEALTH INC	Com	036752103	703,492	1,907	SH		SOLE	0	1,907	0	0
APOLLO GLOBAL MANAGEMENT INC	Com	03769M106	21,801	132	SH		SOLE	0	132	0	0
APPLE INC	Com	037833100	12,140,362	48,480	SH		SOLE	0	47,980	0	500
APPLE INC	Com	037833100	262,440	1,048	SH		DFND	0	1,048	0	0
APPLIED MATERIALS INC	Com	038222105	8,132	50	SH		SOLE	0	50	0	0
ARCHER DANIELS MIDLAND CO	Com	039483102	214,508	4,246	SH		SOLE	0	4,246	0	0
ASTRAZENECA PLC-SPONS ADR	Com	046353108	80,262	1,225	SH		SOLE	0	1,225	0	0
ATLANTIC UNION BANKSHARES CORP	Com	04911A107	8,220	217	SH		SOLE	0	217	0	0
AUTOMATIC DATA PROCESSING INC	Com	053015103	76,695	262	SH		SOLE	0	262	0	0
BCE INC NEW	Com	05534B760	11,590	500	SH		SOLE	0	500	0	0
BP PLC SPONSORED ADR	Com	055622104	2,956	100	SH		SOLE	0	100	0	0
BAKER HUGHES CO	Com	05722G100	1,337,129	32,597	SH		SOLE	0	32,497	0	100
BANK OF AMERICA CORP	Com	060505104	922,862	20,998	SH		SOLE	0	20,998	0	0
BARRICK GOLD CORP	Com	067901108	13,950	900	SH		SOLE	0	900	0	0
BAXTER INTL INC	Com	071813109	461,865	15,839	SH		SOLE	0	15,739	0	100
BECTON DICKINSON & CO	Com	075887109	1,536,137	6,771	SH		SOLE	0	6,771	0	0
WR BERKLEY CORP	Com	084423102	998,059	17,055	SH		SOLE	0	17,055	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	776,015	1,712	SH		SOLE	0	1,712	0	0
BERKSHIRE HATHAWAY INC CL B NE	Com	084670702	244,771	540	SH		DFND	0	540	0	0
BHP BILLITON LTD SPON ADR	Com	088606108	6,983	143	SH		SOLE	0	143	0	0
BLACKSTONE INC	Com	09260D107	8,482,202	49,195	SH		SOLE	0	48,595	0	600
BLACKROCK INC NEW COM	Com	09290D101	30,753	30	SH		SOLE	0	30	0	0
BOEING CO.	Com	097023105	4,425	25	SH		SOLE	0	25	0	0
BOSTON PROPERTIES INC	Com	101121101	18,590	250	SH		SOLE	0	250	0	0
BRISTOL-MYERS SQUIBB CO.	Com	110122108	914,066	16,161	SH		SOLE	0	16,161	0	0
BROADCOM INC COM	Com	11135F101	39,413	170	SH		SOLE	0	170	0	0
BROOKFIELD CORP VTG SHS CL A	Com	11271J107	8,618	150	SH		SOLE	0	150	0	0
BROOKFIELD ASSET MGMT LTD CL A	Com	113004105	2,005	37	SH		SOLE	0	37	0	0
C & F FINANCIAL CORPORATION	Com	12466Q104	49,875	700	SH		SOLE	0	700	0	0
CBRE GROUP INC	Com	12504L109	509,799	3,883	SH		SOLE	0	3,783	0	100
CIGNA GROUP	Com	125523100	106,314	385	SH		SOLE	0	385	0	0
CSX CORP	Com	126408103	448,553	13,900	SH		SOLE	0	13,100	0	800
CVS HEALTH CORP	Com	126650100	74,787	1,666	SH		SOLE	0	1,666	0	0
CANADIAN PACIFIC KANSAS CITY L	Com	13646K108	144,740	2,000	SH		SOLE	0	2,000	0	0
CAPITAL ONE FINANCIAL CORP	Com	14040H105	61,342	344	SH		SOLE	0	344	0	0
CARRIAGE SERVICES INC	Com	143905107	11,955	300	SH		SOLE	0	300	0	0
CATERPILLAR INC	Com	149123101	441,479	1,217	SH		SOLE	0	1,217	0	0
CHEVRON CORP	Com	166764100	1,186,384	8,191	SH		SOLE	0	8,191	0	0
CHURCH & DWIGHT CO INC	Com	171340102	89,004	850	SH		SOLE	0	850	0	0
CINCINNATI FINANCIAL CORP	Com	172062101	35,925	250	SH		SOLE	0	250	0	0
CISCO SYSTEMS	Com	17275R102	7,765,560	131,175	SH		SOLE	0	130,575	0	600
CISCO SYSTEMS	Com	17275R102	30,192	510	SH		DFND	0	300	0	210
CLOROX CO	Com	189054109	300,459	1,850	SH		SOLE	0	1,850	0	0
COCA COLA BOTTLING CO CONS	Com	191098102	35,280	28	SH		SOLE	0	28	0	0
COCA-COLA CO	Com	191216100	1,461,055	23,467	SH		SOLE	0	23,467	0	0
COCA-COLA CO	Com	191216100	1,015,212	16,306	SH		DFND	0	16,306	0	0
COGNIZANT TECH SOLUTIONS-A	Com	192446102	15,380	200	SH		SOLE	0	200	0	0
COLGATE PALMOLIVE CO.	Com	194162103	176,456	1,941	SH		SOLE	0	1,941	0	0
COMCAST CORP CL A	Com	20030N101	27,697	738	SH		SOLE	0	738	0	0
COMCAST CORP CL A	Com	20030N101	135,108	3,600	SH		DFND	0	3,600	0	0
CONOCOPHILLIPS	Com	20825C104	10,215,403	103,009	SH		SOLE	0	102,029	0	980
CONOCOPHILLIPS	Com	20825C104	9,917	100	SH		DFND	0	100	0	0
CONSOLIDATED EDISON INC	Com	209115104	22,308	250	SH		SOLE	0	250	0	0
CONSTELLATION BRANDS INC-A	Com	21036P108	22,100	100	SH		SOLE	0	100	0	0
CONSTELLATION ENERGY CORPORATI	Com	21037T109	81,878	366	SH		SOLE	0	366	0	0
CORNING INC	Com	219350105	19,151	403	SH		SOLE	0	403	0	0
CORTEVA INC	Com	22052L104	33,663	591	SH		SOLE	0	591	0	0
COSTCO WHOLESALE CORP	Com	22160K105	206,161	225	SH		SOLE	0	225	0	0
CROWDSTRIKE HOLDINGS INC - A	Com	22788C105	34,900	102	SH		DFND	0	102	0	0
DANAHER CORP	Com	235851102	337,668	1,471	SH		SOLE	0	1,471	0	0
DARDEN RESTAURANTS INC	Com	237194105	224,028	1,200	SH		SOLE	0	1,200	0	0
DEERE & CO	Com	244199105	964,341	2,276	SH		SOLE	0	2,201	0	75
DELL TECHNOLOGIES INC COM CL C	Com	24703L202	20,974	182	SH		SOLE	0	182	0	0
DELTA AIR LINES INC	Com	247361702	30,250	500	SH		SOLE	0	500	0	0
DEVON ENERGY CORPORATION NEW	Com	25179M103	542,500	16,575	SH		SOLE	0	16,475	0	100
WALT DISNEY CO/THE	Com	254687106	873,207	7,842	SH		SOLE	0	7,842	0	0
DISCOVER FINANCIAL SERVICES	Com	254709108	18,536	107	SH		SOLE	0	107	0	0
DOLLAR TREE INC	Com	256746108	112,410	1,500	SH		SOLE	0	1,500	0	0
DOMINION ENERGY INC	Com	25746U109	3,248,350	60,311	SH		SOLE	0	59,911	0	400
DOMINION ENERGY INC	Com	25746U109	10,718	199	SH		DFND	0	199	0	0
DOW INC	Com	260557103	28,853	719	SH		SOLE	0	719	0	0
DRAFTKINGS INC NEW CL A	Com	26142V105	22,320	600	SH		SOLE	0	600	0	0
DUKE ENERGY CORP NEW COM	Com	26441C204	116,575	1,082	SH		SOLE	0	1,082	0	0
DUPONT DE NEMOURS INC	Com	26614N102	9,760	128	SH		SOLE	0	128	0	0
EASTMAN CHEM CO	Com	277432100	60,454	662	SH		DFND	0	662	0	0
ECOLAB INC	Com	278865100	4,913,690	20,970	SH		SOLE	0	20,770	0	200
EMBECTA CORPORATION COM	Com	29082K105	26,783	1,297	SH		SOLE	0	1,297	0	0
EMERSON ELECTRIC CO	Com	291011104	13,632	110	SH		SOLE	0	110	0	0
ENBRIDGE INC	Com	29250N105	5,048,321	118,980	SH		SOLE	0	117,780	0	1,200
ENTERGY CORP NEW	Com	29364G103	53,074	700	SH		SOLE	0	700	0	0
EXELON CORPORATION	Com	30161N101	41,404	1,100	SH		SOLE	0	1,100	0	0
EXXON MOBIL CORPORATION	Com	30231G102	9,263,821	86,119	SH		SOLE	0	85,819	0	300
EXXON MOBIL CORPORATION	Com	30231G102	395,535	3,677	SH		DFND	0	3,566	0	111
META PLATFORMS INC	Com	30303M102	308,564	527	SH		SOLE	0	527	0	0
FACTSET RESEARCH SYSTEMS INC	Com	303075105	15,849	33	SH		SOLE	0	33	0	0
FEDERAL RLTY INVT TR NEW	Com	313745101	180,911	1,616	SH		SOLE	0	1,616	0	0
FEDEX CORPORATION	Com	31428X106	70,333	250	SH		SOLE	0	250	0	0
FERGUSON ENTERPRISES INC	Com	31488V107	35,061	202	SH		SOLE	0	202	0	0
FIRST SOLAR INC	Com	336433107	535,770	3,040	SH		SOLE	0	3,040	0	0
FIRST TRUST ENH SHORT MAT FD	Com	33739Q408	5,977	100	SH		SOLE	0	100	0	0
FIRSTENERGY CORP	Com	337932107	10,462	263	SH		SOLE	0	263	0	0
FORTUNE BRANDS INNOVATIONS INC	Com	34964C106	16,331	239	SH		SOLE	0	239	0	0
FOX CORP - CLASS B	Com	35137L204	745,791	16,305	SH		SOLE	0	16,305	0	0
FULTON FINANCIAL CORP	Com	360271100	43,958	2,280	SH		SOLE	0	2,280	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	60,590	775	SH		SOLE	0	775	0	0
GE HEALTHCARE TECHNOLOGIES INC	Com	36266G107	50,817	650	SH		DFND	0	650	0	0
GE VERNOVA LLC COM	Com	36828A101	302,945	921	SH		SOLE	0	921	0	0
GE VERNOVA LLC COM	Com	36828A101	160,847	489	SH		DFND	0	489	0	0
GENERAL DYNAMICS CORP	Com	369550108	22,924	87	SH		SOLE	0	87	0	0
GE AEROSPACE	Com	369604301	1,251,926	7,506	SH		SOLE	0	7,506	0	0
GE AEROSPACE	Com	369604301	327,742	1,965	SH		DFND	0	1,965	0	0
GENERAL MILLS INC	Com	370334104	12,754	200	SH		SOLE	0	200	0	0
GENERAL MOTORS CO	Com	37045V100	26,635	500	SH		SOLE	0	500	0	0
GENUINE PARTS CO	Com	372460105	450,694	3,860	SH		SOLE	0	3,860	0	0
GSK PLC SPON ADS EACH REP 2 OR	Com	37733W204	28,003	828	SH		SOLE	0	828	0	0
GLOBAL X MLP & E	Com	37954Y293	3,815	63	SH		SOLE	0	63	0	0
GOLDMAN SACHS GROUP INC	Com	38141G104	336,701	588	SH		SOLE	0	588	0	0
GRAPHIC PACKAGING HOLDING CO	Com	388689101	29,496	1,086	SH		SOLE	0	1,086	0	0
HALEON PLC - ADR	Com	405552100	7,975	836	SH		SOLE	0	836	0	0
HALLIBURTON CO.	Com	406216101	8,157	300	SH		SOLE	0	300	0	0
HERSHEY COMPANY	Com	427866108	548,694	3,240	SH		SOLE	0	3,240	0	0
HEWLETT PACKARD ENTERPRISE CO	Com	42824C109	2,209,298	103,480	SH		SOLE	0	101,280	0	2,200
HILTON WORLDWIDE HOLDINGS IN	Com	43300A203	24,716	100	SH		SOLE	0	100	0	0
HOME DEPOT INC.	Com	437076102	346,590	891	SH		SOLE	0	891	0	0
HONEYWELL INTERNATIONAL INC	Com	438516106	1,203,994	5,330	SH		SOLE	0	5,330	0	0
HUNTINGTON INGALLS INDS INC	Com	446413106	73,320	388	SH		SOLE	0	388	0	0
HYATT HOTELS CORP CL A	Com	448579102	15,698	100	SH		SOLE	0	100	0	0
ILLINOIS TOOL WORKS	Com	452308109	243,164	959	SH		SOLE	0	959	0	0
ILLINOIS TOOL WORKS	Com	452308109	21,045	83	SH		DFND	0	83	0	0
INGEVITY CORP	Com	45688C107	7,335	180	SH		SOLE	0	180	0	0
INTEL CORP	Com	458140100	1,810,575	90,303	SH		SOLE	0	89,403	0	900
INTEL CORP	Com	458140100	16,662	831	SH		DFND	0	831	0	0
INTERNATIONAL BUSINESS MACHINE	Com	459200101	3,307,342	15,045	SH		SOLE	0	15,045	0	0
INTERNATIONAL BUSINESS MACHINE	Com	459200101	21,983	100	SH		DFND	0	100	0	0
INTERPUBLIC GROUP COS INC	Com	460690100	142,230	5,076	SH		SOLE	0	5,076	0	0
INVESCO QQQ TRUST SERIES 1	Com	46090E103	1,217,750	2,382	SH		SOLE	0	2,382	0	0
INTUIT INC	Com	461202103	20,112	32	SH		SOLE	0	32	0	0
MFC INVESCO S&P500 EQUAL WEIGH	Com	46137V357	17,523	100	SH		SOLE	0	100	0	0
INVESCO PREFERRED ETF	Com	46138E511	4,047	351	SH		SOLE	0	351	0	0
INVESCO EMERGING MARKETS SOV D	Com	46138E784	1,268	64	SH		SOLE	0	64	0	0
INVESCO BULLETSHARES 2029	Com	46138J577	180,154	9,823	SH		SOLE	0	9,823	0	0
INVESCO BULLETSHARES 2028	Com	46138J643	711,636	35,352	SH		SOLE	0	35,352	0	0
INVESCO BULLETSHARES 2027	Com	46138J783	891,327	45,756	SH		SOLE	0	45,756	0	0
INVESCO BULLETSHARES 2026	Com	46138J791	597,628	30,758	SH		SOLE	0	30,758	0	0
INVESCO BULLETSH 2025	Com	46138J825	719,756	34,855	SH		SOLE	0	34,855	0	0
ISHARES GOLD TRUST NEW	Com	464285204	507,478	10,250	SH		SOLE	0	10,250	0	0
ISHARES CORE S&P TOTAL US STOC	Com	464287150	32,155	250	SH		SOLE	0	250	0	0
ISHARES TIPS BOND ETF	Com	464287176	1,918	18	SH		SOLE	0	18	0	0
ISHARES S&P 500 INDEX FUND ETF	Com	464287200	304,348	517	SH		SOLE	0	517	0	0
ISHARES 20 YR TR	Com	464287432	7,772	89	SH		SOLE	0	89	0	0
ISHARES 7-10 YR TREAS BD ETF	Com	464287440	3,790	41	SH		SOLE	0	41	0	0
ISHARES EXPANDED TECH SECTOR	Com	464287549	30,627	300	SH		SOLE	0	300	0	0
ISHARES RUSSELL 1000 GROWTH ET	Com	464287614	643,331	1,602	SH		SOLE	0	1,602	0	0
ISHARES RUSSELL 2000 ETF	Com	464287655	183,397	830	SH		SOLE	0	830	0	0
iShares Core S&P US Value ETF	Com	464287663	327,769	3,540	SH		SOLE	0	3,540	0	0
ISHARES S&P MID-CAP 400 VALUE	Com	464287705	132,708	1,062	SH		SOLE	0	1,062	0	0
ISHARES S&P SMALL-CAP 600 VALU	Com	464287879	10,861	100	SH		SOLE	0	100	0	0
ISHARES JP MORGA	Com	464288281	28,226	317	SH		SOLE	0	317	0	0
ISHARES MBS ETF	Com	464288588	17,969	196	SH		SOLE	0	196	0	0
ISHARES SILVER TRUST	Com	46428Q109	50,685	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	12,236	109	SH		SOLE	0	109	0	0
ISHARES TR CORE MSCI EAFE ETF	Com	46432F842	249,845	3,555	SH		SOLE	0	3,555	0	0
ISHARES CORE MSCI EMERGING MKT	Com	46434G103	36,450	698	SH		SOLE	0	698	0	0
ISHARES CORE DIVIDEND GROWTH	Com	46434V621	46,005	750	SH		SOLE	0	750	0	0
iShares Core MSCI Internationa	Com	46435G326	179,227	2,780	SH		SOLE	0	2,780	0	0
ISHARES MSCI UNITED KINGDOM	Com	46435G334	2,882	85	SH		SOLE	0	85	0	0
MFC ISHARES TR BROAD USD HI YL	Com	46435U853	47,386	1,288	SH		SOLE	0	1,288	0	0
iShares ibonds Dec 2028 Term T	Com	46436E833	25,189	1,150	SH		SOLE	0	1,150	0	0
iShares iBonds Dec 2027 Term T	Com	46436E841	162,036	7,300	SH		SOLE	0	7,300	0	0
iShares iBonds Dec 2026 Term T	Com	46436E858	183,621	8,050	SH		SOLE	0	8,050	0	0
iShares iBonds Dec 2025 Term T	Com	46436E866	37,312	1,600	SH		SOLE	0	1,600	0	0
JP MORGAN CHASE & CO	Com	46625H100	1,080,133	4,506	SH		SOLE	0	4,506	0	0
JPMorgan Core Plus Bond ETF	Com	46641Q670	46,346	1,006	SH		SOLE	0	1,006	0	0
JOHNSON & JOHNSON	Com	478160104	7,007,562	48,455	SH		SOLE	0	48,405	0	50
JOHNSON & JOHNSON	Com	478160104	145,343	1,005	SH		DFND	0	930	0	75
KIMBERLY CLARK CORP	Com	494368103	979,786	7,477	SH		SOLE	0	7,477	0	0
KINDER MORGAN INC	Com	49456B101	5,556,994	202,810	SH		SOLE	0	201,310	0	1,500
KINDER MORGAN INC	Com	49456B101	13,700	500	SH		DFND	0	500	0	0
KINROSS GOLD CORP	Com	496902404	9,270	1,000	SH		SOLE	0	1,000	0	0
KONINKLIJKE PHILIPS NV	Com	500472303	26,054	1,029	SH		SOLE	0	1,029	0	0
KRAFT HEINZ CO	Com	500754106	14,864	484	SH		SOLE	0	484	0	0
KROGER CO	Com	501044101	9,173	150	SH		SOLE	0	150	0	0
L3HARRIS TECHNOLOGIES INC	Com	502431109	5,888	28	SH		SOLE	0	28	0	0
LAM RESEARCH CORP NEW	Com	512807306	14,446	200	SH		SOLE	0	200	0	0
LEMONADE INC	Com	52567D107	3,668	100	SH		SOLE	0	100	0	0
LILLY (ELI) & CO.	Com	532457108	145,136	188	SH		SOLE	0	188	0	0
LOCKHEED MARTIN CORP	Com	539830109	3,985,194	8,201	SH		SOLE	0	8,201	0	0
LOCKHEED MARTIN CORP	Com	539830109	4,859	10	SH		DFND	0	10	0	0
LOWES COMPANIES	Com	548661107	258,893	1,049	SH		SOLE	0	1,049	0	0
LUMEN TECHNOLOGIES INC	Com	550241103	10,163	1,914	SH		SOLE	0	1,914	0	0
LUMINAR TECHNOLOGIES INC	Com	550424303	5	1	SH		SOLE	0	1	0	0
M & T BANK CORP	Com	55261F104	47,003	250	SH		SOLE	0	250	0	0
MSC INDUSTRIAL DIRECT CO-A	Com	553530106	112,035	1,500	SH		SOLE	0	1,500	0	0
MARATHON PETROLEUM CORP	Com	56585A102	868,388	6,225	SH		SOLE	0	6,225	0	0
MARRIOTT INTERNATIONAL INC NEW	Com	571903202	1,495,118	5,360	SH		SOLE	0	5,360	0	0
MASTERCARD INC - CLASS A	Com	57636Q104	97,415	185	SH		SOLE	0	185	0	0
MATTHEWS INTL CORP-CLASS A	Com	577128101	6,643	240	SH		SOLE	0	240	0	0
MCDONALDS CORP	Com	580135101	337,432	1,164	SH		SOLE	0	1,164	0	0
MERCK & CO INC NEW	Com	58933Y105	1,849,532	18,592	SH		SOLE	0	18,592	0	0
METLIFE INC	Com	59156R108	9,007	110	SH		SOLE	0	110	0	0
MICROSOFT CORP	Com	594918104	15,404,561	36,547	SH		SOLE	0	36,122	0	425
MICROSOFT CORP	Com	594918104	314,018	745	SH		DFND	0	745	0	0
MIDDLEBY CORP	Com	596278101	16,254	120	SH		SOLE	0	120	0	0
MODERNA INC	Com	60770K107	8,316	200	SH		SOLE	0	200	0	0
MONDELEZ INTERNATIONAL, INC	Com	609207105	353,721	5,922	SH		SOLE	0	5,922	0	0
MORGAN STANLEY	Com	617446448	14,961	119	SH		SOLE	0	119	0	0
MOSAIC CO/THE	Com	61945C103	176,976	7,200	SH		SOLE	0	7,200	0	0
NCR VOYIX CORP	Com	62886E108	526	38	SH		SOLE	0	38	0	0
NCR ATLEOS CORP	Com	63001N106	644	19	SH		SOLE	0	19	0	0
NETFLIX INC	Com	64110L106	41,892	47	SH		SOLE	0	47	0	0
NEWMONT MINING	Com	651639106	2,829	76	SH		SOLE	0	76	0	0
NEWS CORP - CLASS B (NEW)	Com	65249B208	3,043	100	SH		SOLE	0	100	0	0
NEXTERA ENERGY INC	Com	65339F101	5,420,338	75,608	SH		SOLE	0	74,808	0	800
NEXTERA ENERGY INC	Com	65339F101	5,377	75	SH		DFND	0	75	0	0
NIKE, INC.	Com	654106103	310,020	4,097	SH		SOLE	0	4,097	0	0
NOKIA CORP SPONSORED ADR	Com	654902204	190	43	SH		DFND	0	43	0	0
NORFOLK SOUTHERN CORP.	Com	655844108	4,948,884	21,086	SH		SOLE	0	20,786	0	300
NORTHROP GRUMMAN CORP COM	Com	666807102	116,384	248	SH		SOLE	0	248	0	0
NVIDIA CORP	Com	67066G104	778,882	5,800	SH		SOLE	0	5,800	0	0
OCCIDENTAL PETROLEUM CORP	Com	674599105	4,941	100	SH		SOLE	0	100	0	0
OCCIDENTAL PETE CORP WT EXP 08	Com	674599162	331	12	SH		SOLE	0	12	0	0
OLD POINT FINANCIAL CORPORATIO	Com	680194107	6,865,220	263,439	SH		SOLE	0	262,948	0	491
ONEOK INC	Com	682680103	31,726	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	926,185	5,558	SH		SOLE	0	5,558	0	0
PPG INDUSTRIES, INC.	Com	693506107	483,773	4,050	SH		SOLE	0	4,050	0	0
PACER TRENDPILOT 100 ETF	Com	69374H303	33,457	452	SH		SOLE	0	452	0	0
PALANTIR TECHNOLOGIES INC - A	Com	69608A108	8,968,130	118,579	SH		SOLE	0	118,579	0	0
PAYCHEX INC	Com	704326107	18,789	134	SH		SOLE	0	134	0	0
PAYPAL HOLDINGS INC	Com	70450Y103	10,498	123	SH		SOLE	0	123	0	0
PEPSICO INC	Com	713448108	7,985,127	52,513	SH		SOLE	0	52,113	0	400
PEPSICO INC	Com	713448108	15,206	100	SH		DFND	0	100	0	0
PFIZER, INC	Com	717081103	1,698,398	64,018	SH		SOLE	0	63,918	0	100
PFIZER, INC	Com	717081103	27,989	1,055	SH		DFND	0	1,055	0	0
PHILIP MORRIS INTERNATIONAL IN	Com	718172109	1,475,491	12,260	SH		SOLE	0	12,260	0	0
PHILLIPS 66	Com	718546104	490,924	4,309	SH		SOLE	0	4,309	0	0
PIMCO HIGH INCOME FUND	Com	722014107	4,860	1,000	SH		SOLE	0	1,000	0	0
T ROWE PRICE GROUP INC	Com	74144T108	1,070,397	9,465	SH		SOLE	0	9,465	0	0
PRIMIS FINANCIAL CORP	Com	74167B109	6,798	583	SH		SOLE	0	583	0	0
PROCTER & GAMBLE CO.	Com	742718109	8,973,466	53,525	SH		SOLE	0	53,025	0	500
PROCTER & GAMBLE CO.	Com	742718109	97,237	580	SH		DFND	0	500	0	80
PROLOGIS INC	Com	74340W103	98,512	932	SH		SOLE	0	932	0	0
PROTO LABS INC	Com	743713109	3,909	100	SH		SOLE	0	100	0	0
PRUDENTIAL FINANCIAL INC	Com	744320102	11,853	100	SH		SOLE	0	100	0	0
PUBLIC STORAGE INC COM	Com	74460D109	55,396	185	SH		SOLE	0	185	0	0
QUALCOMM INC	Com	747525103	328,132	2,136	SH		SOLE	0	2,136	0	0
RTX CORPORATION	Com	75513E101	7,514,857	64,940	SH		SOLE	0	64,940	0	0
RTX CORPORATION	Com	75513E101	32,749	283	SH		DFND	0	283	0	0
ROKU INC	Com	77543R102	3,717	50	SH		SOLE	0	50	0	0
ROYAL BK CDA MONTREAL QUE COM	Com	780087102	903,825	7,500	SH		SOLE	0	7,500	0	0
SHELL PLC ADR	Com	780259305	43,918	701	SH		SOLE	0	701	0	0
SPDR GOLD TRUST	Com	78463V107	668,037	2,759	SH		SOLE	0	2,759	0	0
SPDR INDEX SHARES EMERG	Com	78463X509	66,841	1,742	SH		SOLE	0	1,742	0	0
SPDR S&P 600 SMALL CAP VALUE	Com	78464A300	10,906	125	SH		SOLE	0	125	0	0
SPDR PORT LNG TRM TRSRY	Com	78464A664	7,517	287	SH		SOLE	0	287	0	0
SPDR S&P MIDCAP 400 ETF TRUST	Com	78467Y107	257,450	452	SH		SOLE	0	452	0	0
SPDR Portfolio High Yield Bond	Com	78468R606	56,657	2,414	SH		SOLE	0	2,414	0	0
SALESFORCE INC	Com	79466L302	1,261,093	3,772	SH		SOLE	0	3,672	0	100
SANOFI-ADR	Com	80105N105	4,823	100	SH		SOLE	0	100	0	0
SCHLUMBERGER LTD	Com	806857108	3,834	100	SH		SOLE	0	100	0	0
CHARLES SCHWAB CORP NEW	Com	808513105	8,585	116	SH		SOLE	0	116	0	0
SCHWAB US LARGE CAP	Com	808524300	7,692	276	SH		SOLE	0	276	0	0
CHARLES SCHWAB US MC	Com	808524508	3,491	126	SH		SOLE	0	126	0	0
SCHWAB FUNDAMENTAL INTL L/C	Com	808524755	2,427,186	73,086	SH		SOLE	0	73,086	0	0
SCHWAB FUNDAMENTAL INTL L/C	Com	808524755	26,568	800	SH		DFND	0	800	0	0
SCHWAB INTERNATIONAL	Com	808524805	4,477	242	SH		SOLE	0	242	0	0
SCHWAB US REIT ETF	Com	808524847	8,677	412	SH		SOLE	0	412	0	0
SCHWAB INTERMEDI	Com	808524854	13,845	570	SH		SOLE	0	570	0	0
SCHWAB SHORT-TERM US TREAS ETF	Com	808524862	24,541	1,020	SH		SOLE	0	1,020	0	0
SPDR AMEX ENERGY SELECT	Com	81369Y506	17,132	200	SH		SOLE	0	200	0	0
SEMPRA ENERGY	Com	816851109	6,667	76	SH		SOLE	0	76	0	0
SHOPIFY INC CL A	Com	82509L107	53,165	500	SH		SOLE	0	500	0	0
SIMON PROPERTY GROUP INC	Com	828806109	51,663	300	SH		SOLE	0	300	0	0
SIRIUS XM HLDGS INC NEW COM	Com	829933100	1,049	46	SH		SOLE	0	46	0	0
SOLVENTUM CORP COM	Com	83444M101	16,515	250	SH		SOLE	0	250	0	0
SONY CORP	Com	835699307	93,104	4,400	SH		SOLE	0	4,400	0	0
MFC SOURCE CAPITAL INC STK CLO	Com	836144105	1,783	41	SH		SOLE	0	41	0	0
SOUTHERN CO	Com	842587107	6,338,887	77,003	SH		SOLE	0	76,503	0	500
STANLEY BLACK & DECKER INC	Com	854502101	16,058	200	SH		SOLE	0	200	0	0
STARBUCKS CORP	Com	855244109	143,171	1,569	SH		SOLE	0	1,569	0	0
STRYKER CORP	Com	863667101	119,537	332	SH		SOLE	0	332	0	0
SYSCO CORP	Com	871829107	2,790,102	36,491	SH		SOLE	0	35,891	0	600
SYSCO CORP	Com	871829107	5,735	75	SH		DFND	0	75	0	0
TJX COMPANIES INC	Com	872540109	12,081	100	SH		SOLE	0	100	0	0
TAIWAN SEMICONDUCTOR - SP ADR	Com	874039100	34,956	177	SH		SOLE	0	177	0	0
TARGET CORP	Com	87612E106	1,660,281	12,282	SH		SOLE	0	12,282	0	0
TARGET CORP	Com	87612E106	52,044	385	SH		DFND	0	385	0	0
TC ENERGY CORP	Com	87807B107	13,959	300	SH		SOLE	0	300	0	0
TEREX CORP	Com	880779103	48,716	1,054	SH		SOLE	0	1,054	0	0
TESLA INC	Com	88160R101	252,400	625	SH		SOLE	0	625	0	0
TEXTRON INC	Com	883203101	88,652	1,159	SH		DFND	0	1,159	0	0
THERMO FISHER SCIENTIFIC INC.	Com	883556102	20,289	39	SH		SOLE	0	39	0	0
3M CO	Com	88579Y101	426,255	3,302	SH		SOLE	0	3,302	0	0
TOWNEBANK	Com	89214P109	745,471	21,887	SH		SOLE	0	21,887	0	0
TRACTOR SUPPLY COMPANY	Com	892356106	91,529	1,725	SH		SOLE	0	1,725	0	0
TRAVELERS COMPANIES INC/THE	Com	89417E109	101,174	420	SH		SOLE	0	420	0	0
TRUIST FINANCIAL CORP	Com	89832Q109	7,171,972	165,329	SH		SOLE	0	164,829	0	500
TRUIST FINANCIAL CORP	Com	89832Q109	50,104	1,155	SH		DFND	0	1,155	0	0
UBER TECHNOLOGIES INC	Com	90353T100	6,032	100	SH		SOLE	0	100	0	0
ULTA BEAUTY INC	Com	90384S303	1,479,632	3,402	SH		SOLE	0	3,402	0	0
UNILEVER PLC SPONSORED ADR	Com	904767704	10,376	183	SH		SOLE	0	183	0	0
UNION PACIFIC CORP	Com	907818108	63,623	279	SH		SOLE	0	279	0	0
UNITED CONTINENTAL HOLDINGS IN	Com	910047109	19,420	200	SH		SOLE	0	200	0	0
UNITED PARCEL SERVICE CL B	Com	911312106	2,982,517	23,652	SH		SOLE	0	23,552	0	100
UNITED PARCEL SERVICE CL B	Com	911312106	2,522	20	SH		DFND	0	20	0	0
UNITED HEALTH GROUP INC	Com	91324P102	300,987	595	SH		SOLE	0	595	0	0
VF CORPORATION	Com	918204108	21,460	1,000	SH		SOLE	0	1,000	0	0
VALERO ENERGY CORP	Com	91913Y100	208,403	1,700	SH		SOLE	0	1,700	0	0
VANGUARD DIVIDEND APPRECIATION	Com	921908844	287,870	1,470	SH		SOLE	0	1,470	0	0
VANGUARD INTERM-TERM BD FD ETF	Com	921937819	8,295	111	SH		SOLE	0	111	0	0
VANGUARD SHORT - TERM BOND ETF	Com	921937827	129,195	1,672	SH		SOLE	0	1,672	0	0
VANGUARD INT HDV	Com	921946794	50,095	738	SH		SOLE	0	738	0	0
VANGUARD SHORT-TERM TIPS	Com	922020805	2,857	59	SH		SOLE	0	59	0	0
VANGUARD CHARLOTTE FDS INTL BD	Com	92203J407	11,674	238	SH		SOLE	0	238	0	0
VANGUARD FTSE EMERGING MARKET	Com	922042858	9,248	210	SH		SOLE	0	210	0	0
VANGUARD-S/T COR	Com	92206C409	8,113	104	SH		SOLE	0	104	0	0
VANGUARD INTERME	Com	92206C706	126,440	2,180	SH		SOLE	0	2,180	0	0
VANGUARD LT TREA	Com	92206C847	10,184	184	SH		SOLE	0	184	0	0
VANGUARD INTERMED TRM CORP BD	Com	92206C870	144,245	1,797	SH		SOLE	0	1,797	0	0
VANGUARD S&P 500 ETF	Com	922908363	1,305,537	2,423	SH		SOLE	0	2,423	0	0
VANGUARD SM-CAP GROWTH ETF	Com	922908595	2,801	10	SH		SOLE	0	10	0	0
VANGUARD SMALL-CAP VALUE ETF	Com	922908611	2,855,179	14,407	SH		SOLE	0	14,352	0	55
VANGUARD SMALL-CAP VALUE ETF	Com	922908611	5,945	30	SH		DFND	0	30	0	0
VANGUARD GROWTH ETF	Com	922908736	18,880	46	SH		SOLE	0	46	0	0
VANGUARD VALUE ETF	Com	922908744	27,257	161	SH		SOLE	0	161	0	0
VANGUARD US TOTAL STOCK MARKET	Com	922908769	60,280	208	SH		SOLE	0	208	0	0
VERIZON COMMUNICATIONS	Com	92343V104	3,535,076	88,399	SH		SOLE	0	87,499	0	900
VERIZON COMMUNICATIONS	Com	92343V104	474,041	11,854	SH		DFND	0	11,854	0	0
VICI PROPERTIES INC	Com	925652109	150,432	5,150	SH		SOLE	0	5,150	0	0
VISA INC - CLASS A SHARES	Com	92826C839	1,778,041	5,626	SH		SOLE	0	5,626	0	0
VODAFONE GROUP PLC NEW - SP AD	Com	92857W308	7,250	854	SH		DFND	0	854	0	0
VULCAN MATERIALS CO	Com	929160109	27,009	105	SH		SOLE	0	105	0	0
WABTEC CORP COM	Com	929740108	111,100	586	SH		SOLE	0	586	0	0
WABTEC CORP COM	Com	929740108	14,788	78	SH		DFND	0	78	0	0
WALMART INC	Com	931142103	1,124,315	12,444	SH		SOLE	0	12,444	0	0
WALGREENS BOOTS ALLIANCE INC	Com	931427108	75,489	8,091	SH		SOLE	0	8,091	0	0
WARNER BROS DISCOVERY INC	Com	934423104	349	33	SH		SOLE	0	33	0	0
WARNER BROS DISCOVERY INC	Com	934423104	101,176	9,572	SH		DFND	0	9,572	0	0
WASHINGTON FEDERAL INC	Com	938824109	65,125	2,020	SH		SOLE	0	2,020	0	0
WASTE MANAGEMENT INC	Com	94106L109	70,021	347	SH		SOLE	0	347	0	0
WELLS FARGO & CO NEW	Com	949746101	83,094	1,183	SH		SOLE	0	1,183	0	0
WEYERHAEUSER CO	Com	962166104	2,002,732	71,145	SH		SOLE	0	71,045	0	100
WEYERHAEUSER CO	Com	962166104	2,815	100	SH		DFND	0	100	0	0
WILLIAMS COS INC	Com	969457100	14,558	269	SH		SOLE	0	269	0	0
YUM! BRANDS INC	Com	988498101	2,060,295	15,357	SH		SOLE	0	14,957	0	400
ZIMMER BIOMET HOLDINGS INC	Com	98956P102	22,922	217	SH		SOLE	0	217	0	0
ZOETIS INC	Com	98978V103	51,486	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	4,081	50	SH		SOLE	0	50	0	0
ACCENTURE PLC CL A	Com	G1151C101	8,180,173	23,253	SH		SOLE	0	22,863	0	390
ACCENTURE PLC CL A	Com	G1151C101	7,036	20	SH		DFND	0	20	0	0
EATON CORP PLC	Com	G29183103	2,423,315	7,302	SH		SOLE	0	7,002	0	300
LINDE PLC	Com	G54950103	39,774	95	SH		SOLE	0	95	0	0
SMURFIT WESTROCK LIMITED	Com	G8267P108	58,384	1,084	SH		SOLE	0	1,084	0	0
CHUBB CORP	Com	H1467J104	1,079,504	3,907	SH		SOLE	0	3,907	0	0
TRANSOCEAN LTD	Com	H8817H100	15,000	4,000	SH		SOLE	0	4,000	0	0
STRATASYS LTD	Com	M85548101	889	100	SH		SOLE	0	100	0	0
ASML HOLDING NV-NY REG SHS	Com	N07059210	13,862	20	SH		SOLE	0	20	0	0