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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC Com 001055102   65,821 943 SH   SOLE 0 943 0 0
AT&T INC Com 00206R102   418,975 26,268 SH   SOLE 0 26,268 0 0
AT&T INC Com 00206R102   43,065 2,700 SH   DFND 0 2,626 0 74
ABBOTT LABORATORIES Com 002824100   376,773 3,456 SH   SOLE 0 3,456 0 0
ABBOTT LABORATORIES Com 002824100   83,945 770 SH   DFND 0 770 0 0
ABBVIE INC Com 00287Y109   256,391 1,903 SH   SOLE 0 1,903 0 0
ACCEPTANCE INS COS INC Com 004308102   0 25 SH   SOLE 0 25 0 0
ADVANCED MICRO DEVICS Com 007903107   167,676 1,472 SH   SOLE 0 1,472 0 0
AIR PRODUCTS & CHEMS INC Com 009158106   20,069 67 SH   SOLE 0 67 0 0
ALBEMARLE CORP Com 012653101   219,744 985 SH   SOLE 0 985 0 0
ALIBABA GROUP HOLDING-SP ADR Com 01609W102   4,168 50 SH   SOLE 0 50 0 0
ALLIANCE RESOURCE PARTNERS Com 01877R108   18,490 1,000 SH   SOLE 0 1,000 0 0
ALPHABET INC - CL C Com 02079K107   31,452 260 SH   SOLE 0 260 0 0
ALPHABET INC - CL A Com 02079K305   225,036 1,880 SH   SOLE 0 1,880 0 0
ALTRIA GROUP INC Com 02209S103   634,019 13,996 SH   SOLE 0 13,996 0 0
AMAZON.COM INC Com 023135106   3,516,461 26,975 SH   SOLE 0 26,975 0 0
AMERICAN INTERNATIONAL GROUP Com 026874784   4,546 79 SH   SOLE 0 79 0 0
AMERICAN TOWER CORP Com 03027X100   3,297 17 SH   SOLE 0 17 0 0
AMERICAN WATER WORKS INC Com 030420103   79,512 557 SH   SOLE 0 557 0 0
AMGEN INC Com 031162100   6,308,476 28,414 SH   SOLE 0 28,264 0 150
AMGEN INC Com 031162100   99,909 450 SH   DFND 0 450 0 0
ANALOG DEVICES INC Com 032654105   250,331 1,285 SH   SOLE 0 1,285 0 0
ANGEL OAK FINANCIAL STRAT INC Com 03464A100   23,620 2,000 SH   SOLE 0 2,000 0 0
ANGLOGOLD LIMITED SPON ADR Com 035128206   18,981 900 SH   SOLE 0 900 0 0
ANHEUSER BUSCH INBEV SA/NV SPO Com 03524A108   4,141 73 SH   SOLE 0 73 0 0
ELEVANCE HEALTH INC Com 036752103   96,855 218 SH   SOLE 0 218 0 0
APOLLO GLOBAL MANAGEMENT INC Com 03769M106   10,139 132 SH   SOLE 0 132 0 0
APPLE INC Com 037833100   11,556,733 59,580 SH   SOLE 0 58,980 0 600
APPLE INC Com 037833100   503,934 2,598 SH   DFND 0 2,598 0 0
ARCHER DANIELS MIDLAND CO Com 039483102   110,771 1,466 SH   SOLE 0 1,466 0 0
ASTRAZENECA PLC-SPONS ADR Com 046353108   7,157 100 SH   SOLE 0 100 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107   5,631 217 SH   SOLE 0 217 0 0
AUTOGRILL SPA-UNSPONSOR ADR Com 05277X102   1,441 200 SH   SOLE 0 200 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103   57,585 262 SH   SOLE 0 262 0 0
AUTOZON INC Com 053332102   14,960 6 SH   SOLE 0 6 0 0
AXA ADR Com 054536107   944 32 SH   SOLE 0 32 0 0
BCE INC NEW Com 05534B760   22,795 500 SH   SOLE 0 500 0 0
BP PLC SPONSORED ADR Com 055622104   74,109 2,100 SH   SOLE 0 2,100 0 0
BAKER HUGHES CO Com 05722G100   1,302,332 41,200 SH   SOLE 0 40,700 0 500
BANK OF AMERICA CORP Com 060505104   191,621 6,679 SH   SOLE 0 6,679 0 0
BANK OF AMERICA CORP 6PCT PFD ST Pfd Stk 060505229   25,000 1,000 SH   SOLE 0 1,000 0 0
BANK OF AMERICA CORP Pfd Stk 06055H202   22,500 900 SH   SOLE 0 900 0 0
BARRICK GOLD CORP Com 067901108   6,772 400 SH   SOLE 0 400 0 0
BAXTER INTL INC Com 071813109   1,094,807 24,030 SH   SOLE 0 23,530 100 400
BAXTER INTL INC Com 071813109   36,448 800 SH   DFND 0 800 0 0
BECTON DICKINSON & CO Com 075887109   36,433 138 SH   SOLE 0 138 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   276,551 811 SH   SOLE 0 811 0 0
BERKSHIRE HATHAWAY INC CL B NE Com 084670702   194,370 570 SH   DFND 0 570 0 0
BHP BILLITON LTD SPON ADR Com 088606108   8,533 143 SH   SOLE 0 143 0 0
BIOELECTRONICS CORP Com 09062H108   303 550,000 SH   SOLE 0 550,000 0 0
BLACKROCK INC Com 09247X101   26,263 38 SH   SOLE 0 38 0 0
BLACKSTONE INC Com 09260D107   6,658,511 71,620 SH   SOLE 0 70,595 75 950
BLACKSTONE INC Com 09260D107   92,970 1,000 SH   DFND 0 1,000 0 0
BOEING CO. Com 097023105   423,376 2,005 SH   SOLE 0 2,005 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   24,705 1,500 SH   SOLE 0 1,500 0 0
BRISTOL-MYERS SQUIBB CO. Com 110122108   69,450 1,086 SH   SOLE 0 1,086 0 0
BROADCOM INC COM Com 11135F101   14,746 17 SH   SOLE 0 17 0 0
C & F FINANCIAL CORPORATION Com 12466Q104   37,590 700 SH   SOLE 0 700 0 0
CIGNA GROUP Com 125523100   108,031 385 SH   SOLE 0 385 0 0
CSX CORP Com 126408103   4,740 139 SH   SOLE 0 139 0 0
CVS HEALTH CORP Com 126650100   132,453 1,916 SH   SOLE 0 1,916 0 0
CANADIAN PACIFIC KANSAS CITY L Com 13646K108   201,925 2,500 SH   SOLE 0 2,500 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105   20,780 190 SH   SOLE 0 190 0 0
CAPITAL ONE FINANCIAL CO 4.25 Pfd Stk 14040H733   32,160 2,000 SH   SOLE 0 2,000 0 0
CATERPILLAR INC Com 149123101   288,617 1,173 SH   SOLE 0 1,173 0 0
CHARTER COMMUNICATIONS INC NEW Com 16119P108   2,204 6 SH   DFND 0 0 0 6
CHESAPEAKE ENERGY CORP Com 165167735   2,343 28 SH   SOLE 0 28 0 0
CHESAPEAKE FINANCIAL SHS, INC. Com 16517A109   33,264 1,728 SH   SOLE 0 0 0 1,728
CHEVRON CORP Com 166764100   873,765 5,553 SH   SOLE 0 5,553 0 0
CHIPOTLE MEXICAN GRILL INC Com 169656105   21,390 10 SH   SOLE 0 10 0 0
CHURCH & DWIGHT CO INC Com 171340102   100,230 1,000 SH   SOLE 0 1,000 0 0
CISCO SYSTEMS Com 17275R102   7,133,446 137,871 SH   SOLE 0 137,121 150 600
CISCO SYSTEMS Com 17275R102   129,867 2,510 SH   DFND 0 2,300 0 210
CLEVELAND CLIFFS INC Com 185899101   8,380 500 SH   SOLE 0 500 0 0
CLOROX CO Com 189054109   305,198 1,919 SH   SOLE 0 1,919 0 0
COCA-COLA CO Com 191216100   1,441,968 23,945 SH   SOLE 0 23,945 0 0
COLGATE PALMOLIVE CO. Com 194162103   163,941 2,128 SH   SOLE 0 2,128 0 0
COMCAST CORP CL A Com 20030N101   26,966 649 SH   SOLE 0 649 0 0
CONAGRA BRANDS INC Com 205887102   5,058 150 SH   SOLE 0 150 0 0
CONAGRA BRANDS INC Com 205887102   3,372 100 SH   DFND 0 0 0 100
CONOCOPHILLIPS Com 20825C104   8,940,196 86,287 SH   SOLE 0 85,547 40 700
CONOCOPHILLIPS Com 20825C104   134,693 1,300 SH   DFND 0 1,300 0 0
CONSENSUS CLOUD SOLUTIONS INC Com 20848V105   10,323 333 SH   SOLE 0 333 0 0
CONSOLIDATED EDISON INC Com 209115104   22,600 250 SH   SOLE 0 250 0 0
CONSTELLATION ENERGY CORPORATI Com 21037T109   33,507 366 SH   SOLE 0 366 0 0
CORNING INC Com 219350105   14,121 403 SH   SOLE 0 403 0 0
CORTEVA INC Com 22052L104   38,735 676 SH   SOLE 0 676 0 0
COSTCO WHOLESALE CORP Com 22160K105   129,750 241 SH   SOLE 0 241 0 0
CROWDSTRIKE HOLDINGS INC - A Com 22788C105   22,471 153 SH   DFND 0 153 0 0
CROWN CASTLE INC Com 22822V101   5,127 45 SH   SOLE 0 45 0 0
DANAHER CORP Com 235851102   4,320 18 SH   SOLE 0 18 0 0
DEERE & CO Com 244199105   116,290 287 SH   SOLE 0 287 0 0
DELL TECHNOLOGIES INC COM CL C Com 24703L202   9,848 182 SH   SOLE 0 182 0 0
DEVON ENERGY CORPORATION NEW Com 25179M103   806,795 16,690 SH   SOLE 0 16,590 0 100
WALT DISNEY CO/THE Com 254687106   893,425 10,007 SH   SOLE 0 10,007 0 0
DOLLAR TREE INC Com 256746108   215,250 1,500 SH   SOLE 0 1,500 0 0
DOMINION RESOURCES BLACK WARRI Com 25746Q108   0 1,101 SH   SOLE 0 1,101 0 0
DOMINION ENERGY INC Com 25746U109   4,372,785 84,433 SH   SOLE 0 83,533 0 900
DOMINION ENERGY INC Com 25746U109   10,306 199 SH   DFND 0 199 0 0
DOW INC Com 260557103   42,821 804 SH   SOLE 0 804 0 0
DRAFTKINGS INC NEW CL A Com 26142V105   15,942 600 SH   SOLE 0 600 0 0
DUKE ENERGY CORP NEW COM Com 26441C204   122,316 1,363 SH   SOLE 0 1,363 0 0
DUPONT DE NEMOURS INC Com 26614N102   15,217 213 SH   SOLE 0 213 0 0
EASTMAN KODAK CO Com 277461406   6,930 1,500 SH   SOLE 0 1,500 0 0
ECOLAB INC Com 278865100   5,427,638 29,073 SH   SOLE 0 28,823 0 250
ECOLAB INC Com 278865100   84,011 450 SH   DFND 0 450 0 0
EDISON INTERNATIONAL Com 281020107   4,306 62 SH   SOLE 0 62 0 0
EMERSON ELECTRIC CO Com 291011104   13,920 154 SH   SOLE 0 154 0 0
ENBRIDGE INC Com 29250N105   5,814,755 156,521 SH   SOLE 0 154,425 196 1,900
ENBRIDGE INC Com 29250N105   89,160 2,400 SH   DFND 0 2,400 0 0
ENTERGY CORP NEW Com 29364G103   34,080 350 SH   SOLE 0 350 0 0
EVERSOURCE ENERGY COM Com 30040W108   3,333 47 SH   SOLE 0 47 0 0
EXELON CORPORATION Com 30161N101   44,814 1,100 SH   SOLE 0 1,100 0 0
EXXON MOBIL CORPORATION Com 30231G102   9,496,344 88,544 SH   SOLE 0 87,664 80 800
EXXON MOBIL CORPORATION Com 30231G102   108,752 1,014 SH   DFND 0 903 0 111
META PLATFORMS INC Com 30303M102   95,564 333 SH   SOLE 0 333 0 0
FACTSET RESEARCH SYSTEMS INC Com 303075105   13,221 33 SH   SOLE 0 33 0 0
FEDERAL RLTY INVT TR NEW Com 313745101   156,380 1,616 SH   SOLE 0 1,616 0 0
FEDEX CORPORATION Com 31428X106   49,580 200 SH   SOLE 0 200 0 0
FIFTH THIRD BANCORP Com 316773100   1,311 50 SH   SOLE 0 50 0 0
FIRST SOLAR INC Com 336433107   912,432 4,800 SH   SOLE 0 4,800 0 0
FIRSTENERGY CORP Com 337932107   10,225 263 SH   SOLE 0 263 0 0
FORTUNE BRANDS INNOVATIONS INC Com 34964C106   17,196 239 SH   SOLE 0 239 0 0
FOX CORP - CLASS B Com 35137L204   1,136,049 35,624 SH   SOLE 0 34,824 0 800
FOX CORP - CLASS B Com 35137L204   41,457 1,300 SH   DFND 0 1,300 0 0
FREEPORT-MCMORAN INC Com 35671D857   1,600 40 SH   SOLE 0 40 0 0
FULTON FINANCIAL CORP Com 360271100   27,178 2,280 SH   SOLE 0 2,280 0 0
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   213,093 2,623 SH   SOLE 0 2,615 0 8
GE HEALTHCARE TECHNOLOGIES INC Com 36266G107   2,518 31 SH   DFND 0 31 0 0
GENERAL DYNAMICS CORP Com 369550108   19,364 90 SH   SOLE 0 90 0 0
GENERAL ELECTRIC CO COM Com 369604301   1,325,121 12,063 SH   SOLE 0 11,915 0 148
GENERAL ELECTRIC CO COM Com 369604301   10,546 96 SH   DFND 0 96 0 0
GENERAL MILLS INC Com 370334104   15,340 200 SH   SOLE 0 200 0 0
GENERAL MOTORS CO Com 37045V100   19,280 500 SH   SOLE 0 500 0 0
GSK PLC SPON ADS EACH REP 2 OR Com 37733W204   19,958 560 SH   SOLE 0 560 0 0
GLOBAL PAYMENTS INC Com 37940X102   59,112 600 SH   SOLE 0 600 0 0
GOLDMAN SACHS GROUP INC Com 38141G104   192,879 598 SH   SOLE 0 598 0 0
GRAPHIC PACKAGING HOLDING CO Com 388689101   26,097 1,086 SH   SOLE 0 1,086 0 0
HALEON PLC - ADR Com 405552100   4,190 500 SH   SOLE 0 500 0 0
HALLIBURTON CO. Com 406216101   9,897 300 SH   SOLE 0 300 0 0
HANCOCK HOLDING CO Com 410120109   38,380 1,000 SH   SOLE 0 1,000 0 0
HECLA MINING CO Com 422704106   1,751 340 SH   SOLE 0 340 0 0
HECLA MINING CO Com 422704106   1,118 217 SH   DFND 0 0 0 217
HERSHEY COMPANY Com 427866108   58,680 235 SH   SOLE 0 235 0 0
HESS CORP Com 42809H107   9,517 70 SH   SOLE 0 70 0 0
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   2,063,544 122,830 SH   SOLE 0 120,630 0 2,200
HEWLETT PACKARD ENTERPRISE CO Com 42824C109   10,080 600 SH   DFND 0 500 0 100
HOME DEPOT INC. Com 437076102   398,862 1,284 SH   SOLE 0 1,284 0 0
HONEYWELL INTERNATIONAL INC Com 438516106   1,137,100 5,480 SH   SOLE 0 5,480 0 0
HUNTINGTON BANCSHARES 4.5PCT PFD Pfd Stk 446150823   35,400 2,000 SH   SOLE 0 2,000 0 0
HUNTINGTON INGALLS INDS INC Com 446413106   143,616 631 SH   SOLE 0 631 0 0
ILLINOIS TOOL WORKS Com 452308109   326,459 1,305 SH   SOLE 0 1,305 0 0
INTEL CORP Com 458140100   4,774,697 142,784 SH   SOLE 0 141,684 200 900
INTEL CORP Com 458140100   81,761 2,445 SH   DFND 0 2,400 0 45
INTERNATIONAL BUSINESS MACHINE Com 459200101   2,394,396 17,894 SH   SOLE 0 17,694 50 150
INTERNATIONAL BUSINESS MACHINE Com 459200101   200,715 1,500 SH   DFND 0 1,500 0 0
INTERPUBLIC GROUP COS INC Com 460690100   22,994 596 SH   SOLE 0 596 0 0
INTUIT INC Com 461202103   14,662 32 SH   SOLE 0 32 0 0
ISHARES SILVER TRUST Com 46428Q109   42,052 2,013 SH   SOLE 0 2,013 0 0
JP MORGAN CHASE & CO Com 46625H100   178,455 1,227 SH   SOLE 0 1,227 0 0
JOHNSON & JOHNSON Com 478160104   8,049,734 48,633 SH   SOLE 0 48,533 50 50
JOHNSON & JOHNSON Com 478160104   166,348 1,005 SH   DFND 0 930 0 75
ZIFF DAVIS INC Com 48123V102   70,060 1,000 SH   SOLE 0 1,000 0 0
KIMBERLY CLARK CORP Com 494368103   1,099,786 7,966 SH   SOLE 0 7,966 0 0
KINDER MORGAN INC Com 49456B101   4,276,501 248,345 SH   SOLE 0 245,545 0 2,800
KINDER MORGAN INC Com 49456B101   67,158 3,900 SH   DFND 0 3,800 0 100
KRAFT HEINZ CO Com 500754106   17,182 484 SH   SOLE 0 484 0 0
KROGER CO Com 501044101   7,050 150 SH   SOLE 0 150 0 0
KYNDRYL HOLDINGS INC Com 50155Q100   1,594 120 SH   SOLE 0 120 0 0
KYNDRYL HOLDINGS INC Com 50155Q100   266 20 SH   DFND 0 20 0 0
L3HARRIS TECHNOLOGIES INC Com 502431109   18,990 97 SH   SOLE 0 97 0 0
LAM RESEARCH CORP Com 512807108   12,857 20 SH   SOLE 0 20 0 0
LAMB WESTON HOLDINGS INC Com 513272104   11,495 100 SH   DFND 0 0 0 100
LILLY (ELI) & CO. Com 532457108   117,245 250 SH   SOLE 0 250 0 0
LOCKHEED MARTIN CORP Com 539830109   4,867,598 10,573 SH   SOLE 0 10,573 0 0
LOCKHEED MARTIN CORP Com 539830109   4,604 10 SH   DFND 0 10 0 0
LOWES COMPANIES Com 548661107   231,117 1,024 SH   SOLE 0 1,024 0 0
LUMEN TECHNOLOGIES INC Com 550241103   85,152 37,678 SH   SOLE 0 37,678 0 0
LUMINAR TECHNOLOGIES INC Com 550424105   3,440 500 SH   SOLE 0 500 0 0
MGM RESORTS INTERNATIONAL Com 552953101   439 10 SH   SOLE 0 10 0 0
MAGNA INTL INC CL A Com 559222401   2,822 50 SH   SOLE 0 50 0 0
MARATHON OIL CORP Com 565849106   2,878,076 125,025 SH   SOLE 0 123,925 0 1,100
MARATHON OIL CORP Com 565849106   4,604 200 SH   DFND 0 200 0 0
MARATHON PETROLEUM CORP Com 56585A102   845,350 7,250 SH   SOLE 0 7,250 0 0
MASTERCARD INC - CLASS A Com 57636Q104   13,766 35 SH   SOLE 0 35 0 0
MCDONALDS CORP Com 580135101   347,349 1,164 SH   SOLE 0 1,164 0 0
MERCK & CO INC NEW Com 58933Y105   1,930,590 16,731 SH   SOLE 0 16,731 0 0
METLIFE INC Com 59156R108   6,218 110 SH   SOLE 0 110 0 0
MICROSOFT CORP Com 594918104   15,117,252 44,392 SH   SOLE 0 43,802 40 550
MICROSOFT CORP Com 594918104   612,972 1,800 SH   DFND 0 1,800 0 0
MODERNA INC Com 60770K107   24,300 200 SH   SOLE 0 200 0 0
MONDELEZ INTERNATIONAL, INC Com 609207105   428,012 5,868 SH   SOLE 0 5,868 0 0
MONSTER BEVERAGE CORP Com 61174X109   5,514 96 SH   SOLE 0 96 0 0
MORGAN STANLEY Com 617446448   10,163 119 SH   SOLE 0 119 0 0
NESTLE S A SPONSORED ADR REPST Com 641069406   6,374 53 SH   SOLE 0 53 0 0
NETFLIX INC Com 64110L106   20,703 47 SH   SOLE 0 47 0 0
NEWS CORP - CLASS B (NEW) Com 65249B208   1,972 100 SH   SOLE 0 100 0 0
NEXTERA ENERGY INC Com 65339F101   5,275,768 71,102 SH   SOLE 0 70,152 150 800
NEXTERA ENERGY INC Com 65339F101   124,285 1,675 SH   DFND 0 1,675 0 0
NIKE, INC. Com 654106103   460,684 4,174 SH   SOLE 0 4,174 0 0
NORFOLK SOUTHERN CORP. Com 655844108   3,612,740 15,932 SH   SOLE 0 15,532 0 400
NORFOLK SOUTHERN CORP. Com 655844108   136,056 600 SH   DFND 0 600 0 0
NORTEL NETWORKS CORP Com 656568508   0 20 SH   SOLE 0 20 0 0
NORTHROP GRUMMAN CORP COM Com 666807102   143,577 315 SH   SOLE 0 315 0 0
NTELOS INC Com 67019U101   0 2,000 SH   SOLE 0 2,000 0 0
NUTRAFEED INC Com 67060W105   0 1 SH   SOLE 0 1 0 0
NUVEEN INTER DURATION MUNI BON Com 67065Q400   123 14 SH   SOLE 0 14 0 0
NVIDIA CORP Com 67066G104   266,503 630 SH   SOLE 0 630 0 0
OLD POINT FINANCIAL CORPORATIO Com 680194107   4,794,204 276,323 SH   SOLE 0 260,479 0 15,844
OLD POINT FINANCIAL CORPORATIO Com 680194107   175,825 10,134 SH   DFND 0 3,333 0 6,801
ORACLE CORP Com 68389X105   788,138 6,618 SH   SOLE 0 6,618 0 0
ORACLE CORP Com 68389X105   11,909 100 SH   DFND 0 0 0 100
OTIS WORLDWIDE CORP Com 68902V107   22,253 250 SH   SOLE 0 250 0 0
PPG INDUSTRIES, INC. Com 693506107   600,615 4,050 SH   SOLE 0 4,050 0 0
PALANTIR TECHNOLOGIES INC - A Com 69608A108   2,530,201 165,049 SH   SOLE 0 164,349 0 700
PALANTIR TECHNOLOGIES INC - A Com 69608A108   33,726 2,200 SH   DFND 0 2,200 0 0
PARKER HANNIFIN CORP Com 701094104   39,004 100 SH   SOLE 0 100 0 0
PAYCHEX INC Com 704326107   14,991 134 SH   SOLE 0 134 0 0
PAYPAL HOLDINGS INC Com 70450Y103   8,208 123 SH   SOLE 0 123 0 0
PEPSICO INC Com 713448108   10,086,155 54,455 SH   SOLE 0 53,790 65 600
PEPSICO INC Com 713448108   162,068 875 SH   DFND 0 875 0 0
PFIZER, INC Com 717081103   1,937,511 52,822 SH   SOLE 0 52,522 200 100
PFIZER, INC Com 717081103   42,365 1,155 SH   DFND 0 1,155 0 0
PHILIP MORRIS INTERNATIONAL IN Com 718172109   1,248,462 12,789 SH   SOLE 0 12,189 0 600
PHILLIPS 66 Com 718546104   353,192 3,703 SH   SOLE 0 3,703 0 0
PIONEER NATURAL RESOURCES CO Com 723787107   3,315 16 SH   SOLE 0 16 0 0
T ROWE PRICE GROUP INC Com 74144T108   1,493,451 13,332 SH   SOLE 0 13,332 0 0
PRIMIS FINANCIAL CORP Com 74167B109   9,809 1,165 SH   SOLE 0 1,165 0 0
PROCTER & GAMBLE CO. Com 742718109   9,416,833 62,059 SH   SOLE 0 61,309 50 700
PROCTER & GAMBLE CO. Com 742718109   209,401 1,380 SH   DFND 0 1,300 0 80
PROLOGIS INC Com 74340W103   114,291 932 SH   SOLE 0 932 0 0
PRUDENTIAL FINANCIAL INC Com 744320102   2,117 24 SH   SOLE 0 24 0 0
PUBLIC SERVICE ENTERPRISE GROU Com 744573106   1,941 31 SH   SOLE 0 31 0 0
RAYMOND JAMES FINANCIAL INC Com 754730109   31,131 300 SH   SOLE 0 300 0 0
RAYTHEON TECHNOLOGIES CORP Com 75513E101   10,042,663 102,518 SH   SOLE 0 102,035 0 483
RAYTHEON TECHNOLOGIES CORP Com 75513E101   215,414 2,199 SH   DFND 0 2,199 0 0
ROKU INC Com 77543R102   3,198 50 SH   SOLE 0 50 0 0
T ROWE PRICE VA TAX-FREE BOND Com 77957R408   8,867 803 SH   SOLE 0 803 0 0
SHELL PLC ADR Com 780259305   151,010 2,501 SH   SOLE 0 2,501 0 0
S&P GLOBAL INC Com 78409V104   7,216 18 SH   SOLE 0 18 0 0
SPDR GOLD TRUST Com 78463V107   492,382 2,762 SH   SOLE 0 2,762 0 0
SALESFORCE INC Com 79466L302   22,605 107 SH   SOLE 0 107 0 0
SANOFI-ADR Com 80105N105   5,390 100 SH   SOLE 0 100 0 0
SAP AG - SPONSORED ADR Com 803054204   4,652 34 SH   SOLE 0 34 0 0
SCHLUMBERGER LTD Com 806857108   11,740 239 SH   SOLE 0 239 0 0
CHARLES SCHWAB CORP NEW Com 808513105   6,575 116 SH   SOLE 0 116 0 0
SEMPRA ENERGY Com 816851109   5,532 38 SH   SOLE 0 38 0 0
SHOPIFY INC CL A Com 82509L107   32,300 500 SH   SOLE 0 500 0 0
SOUTHERN CO Com 842587107   5,680,345 80,859 SH   SOLE 0 80,259 100 500
SOUTHERN CO Com 842587107   91,325 1,300 SH   DFND 0 1,300 0 0
STANLEY BLACK & DECKER INC Com 854502101   18,742 200 SH   SOLE 0 200 0 0
STARBUCKS CORP Com 855244109   155,425 1,569 SH   SOLE 0 1,569 0 0
STRYKER CORP Com 863667101   101,290 332 SH   SOLE 0 332 0 0
SYSCO CORP Com 871829107   2,367,351 31,905 SH   SOLE 0 31,205 100 600
SYSCO CORP Com 871829107   5,565 75 SH   DFND 0 75 0 0
TJX COMPANIES INC Com 872540109   8,479 100 SH   SOLE 0 100 0 0
TAIWAN SEMICONDUCTOR - SP ADR Com 874039100   8,074 80 SH   SOLE 0 80 0 0
TARGET CORP Com 87612E106   1,860,845 14,108 SH   SOLE 0 14,108 0 0
TARGET CORP Com 87612E106   50,782 385 SH   DFND 0 385 0 0
TC ENERGY CORP Com 87807B107   32,328 800 SH   SOLE 0 800 0 0
TESLA INC Com 88160R101   39,266 150 SH   SOLE 0 150 0 0
TEXTRON INC Com 883203101   3,382 50 SH   SOLE 0 50 0 0
THERMO FISHER SCIENTIFIC INC. Com 883556102   20,348 39 SH   SOLE 0 39 0 0
3M CO Com 88579Y101   462,015 4,616 SH   SOLE 0 4,616 0 0
TOWNEBANK Com 89214P109   365,263 15,717 SH   SOLE 0 15,717 0 0
TOWNEBANK Com 89214P109   14,781 636 SH   DFND 0 0 0 636
TRAVELERS COMPANIES INC/THE Com 89417E109   72,937 420 SH   SOLE 0 420 0 0
TRUIST FINANCIAL CORP Com 89832Q109   7,066,299 232,827 SH   SOLE 0 232,327 0 500
TRUIST FINANCIAL CORP Com 89832Q109   102,826 3,388 SH   DFND 0 2,655 0 733
US BANCORP Com 902973304   1,883 57 SH   SOLE 0 57 0 0
UBER TECHNOLOGIES INC Com 90353T100   4,317 100 SH   SOLE 0 100 0 0
UNILEVER PLC SPONSORED ADR Com 904767704   9,540 183 SH   SOLE 0 183 0 0
UNILEVER PLC SPONSORED ADR Com 904767704   74,285 1,425 SH   DFND 0 1,425 0 0
UNION PACIFIC CORP Com 907818108   20,667 101 SH   SOLE 0 101 0 0
UNITED PARCEL SERVICE CL B Com 911312106   3,477,271 19,399 SH   SOLE 0 19,299 0 100
UNITED PARCEL SERVICE CL B Com 911312106   111,135 620 SH   DFND 0 620 0 0
UNITED HEALTH GROUP INC Com 91324P102   285,981 595 SH   SOLE 0 595 0 0
VF CORPORATION Com 918204108   19,090 1,000 SH   SOLE 0 1,000 0 0
VALE SA-SP ADR Com 91912E105   54 4 SH   SOLE 0 4 0 0
VALERO ENERGY CORP Com 91913Y100   204,454 1,743 SH   SOLE 0 1,743 0 0
VERIZON COMMUNICATIONS Com 92343V104   2,994,650 80,523 SH   SOLE 0 79,823 200 500
VERIZON COMMUNICATIONS Com 92343V104   80,665 2,169 SH   DFND 0 2,169 0 0
VISA INC - CLASS A SHARES Com 92826C839   402,054 1,693 SH   SOLE 0 1,693 0 0
VMWARE INC CL A Com 928563402   11,352 79 SH   SOLE 0 79 0 0
VULCAN MATERIALS CO Com 929160109   37,423 166 SH   SOLE 0 166 0 0
WEC ENERGY GROUP INC Com 92939U106   14,736 167 SH   SOLE 0 167 0 0
WABTEC CORP COM Com 929740108   877 8 SH   DFND 0 8 0 0
WALMART INC Com 931142103   554,374 3,527 SH   SOLE 0 3,527 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108   672,449 23,603 SH   SOLE 0 23,503 0 100
WALGREENS BOOTS ALLIANCE INC Com 931427108   22,792 800 SH   DFND 0 800 0 0
WARNER BROS DISCOVERY INC Com 934423104   9,555 762 SH   SOLE 0 762 0 0
WARNER BROS DISCOVERY INC Com 934423104   8,176 652 SH   DFND 0 635 0 17
WASHINGTON FEDERAL INC Com 938824109   53,570 2,020 SH   SOLE 0 2,020 0 0
WASTE MANAGEMENT INC Com 94106L109   120,353 694 SH   SOLE 0 694 0 0
WATERSIDE CAPITAL CORP Com 941872103   13,278 14,231 SH   SOLE 0 14,231 0 0
WELLS FARGO & CO NEW Com 949746101   12,804 300 SH   SOLE 0 300 0 0
WELLS FARGO & COMPANY Pfd Stk 95002Y400   34,040 2,000 SH   SOLE 0 2,000 0 0
WESTROCK CO Com 96145D105   24,739 851 SH   SOLE 0 851 0 0
WEYERHAEUSER CO Com 962166104   2,270,973 67,770 SH   SOLE 0 67,670 0 100
WEYERHAEUSER CO Com 962166104   60,318 1,800 SH   DFND 0 1,800 0 0
WILLIAMS COS INC Com 969457100   25,092 769 SH   SOLE 0 769 0 0
YUM! BRANDS INC Com 988498101   2,323,761 16,772 SH   SOLE 0 16,372 0 400
YUM CHINA HOLDINGS INC Com 98850P109   2,712 48 SH   SOLE 0 48 0 0
ZIMMER BIOMET HOLDINGS INC Com 98956P102   31,595 217 SH   SOLE 0 217 0 0
ZOETIS INC Com 98978V103   54,418 316 SH   SOLE 0 316 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101   5,770 85 SH   SOLE 0 85 0 0
ACCENTURE PLC CL A Com G1151C101   8,610,308 27,903 SH   SOLE 0 27,303 0 600
ACCENTURE PLC CL A Com G1151C101   6,172 20 SH   DFND 0 20 0 0
EATON CORP PLC Com G29183103   1,810,704 9,004 SH   SOLE 0 8,604 0 400
JOHNSON CTLS INTL PLC COM Com G51502105   5,247 77 SH   SOLE 0 77 0 0
LINDE PLC Com G54950103   38,108 100 SH   SOLE 0 100 0 0
MEDTRONIC PLC Com G5960L103   18,942 215 SH   SOLE 0 215 0 0
CHUBB CORP Com H1467J104   19,063 99 SH   SOLE 0 99 0 0
TRANSOCEAN LTD Com H8817H100   28,040 4,000 SH   SOLE 0 4,000 0 0
ASML HOLDING NV-NY REG SHS Com N07059210   14,495 20 SH   SOLE 0 20 0 0
ROYAL CARIBBEAN CRUISES Com V7780T103   155,610 1,500 SH   SOLE 0 1,500 0 0