SECURITIES AND EXCHANGE COMMISSION
                    WASHINGTON, D.C.  20549


                            FORM 8-K


                         CURRENT REPORT
 Pursuant to Section 13 or 15(d) of the Securities Exchange
                         Act of 1934


  Date of Report (Date of earliest event reported):  August
                          26, 2002



               OLD POINT FINANCIAL CORPORATION
               -------------------------------
   (Exact name of registrant as specified in its charter)


                           0-12896
                           -------
                  (Commission File Number)

          Virginia                           54-1265373
          --------                           ----------
   (State of incorporation)      (I.R.S. Employer Identification No.)



          1 West Mellen Street, Hampton, Virginia      23663
          ---------------------------------------      -----
         (Address of principal executive offices)    (Zip Code)


                       (757) 728-1200
                       --------------
    (Registrant's telephone number, including area code)




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Item 9.  Regulation FD Disclosure

On August 14, 2002, the registrant filed with the Commission
its  Quarterly Report on Form 10-Q for the period ended June
30, 2002.  On August 26, 2002, the registrant filed with the
Commission  the  certifications of Robert  F.  Shuford,  the
registrant's chief executive officer, and Louis  G.  Morris,
the  registrant's chief financial officer, required pursuant
to  18 USC Section 1350, as adopted pursuant to Section  906
of  the Sarbanes-Oxley Act of 2002.  Conformed copies of the
certifications  are  attached hereto as  Exhibits  99.1  and
99.2.




                         SIGNATURES

Pursuant to the requirements of the Securities Exchange Act
of 1934, the registrant has duly caused this report to be
signed on its behalf by the undersigned hereunto duly
authorized.



               OLD POINT FINANCIAL CORPORATION
                        (Registrant)



By:     /s/Louis G. Morris
        ----------------------------
        Louis G. Morris
        Executive Vice President and
        Chief Financial Officer