Exhibit 99.1


                  CERTIFICATION PURSUANT TO
                   18 U.S.C. SECTION 1350,
                   AS ADOPTED PURSUANT TO
        SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In  connection with the Quarterly Report on Form 10-Q of Old
Point  Financial Corporation (the "Company") for the  period
ending  June  30,  2002  as filed with  the  Securities  and
Exchange  Commission on the date hereof (the  "Report"),  I,
Robert  F. Shuford, Chief Executive Officer of the  Company,
certify,  pursuant  to 18 U.S.C. Section  1350,  as  adopted
pursuant  to Section 906 of the Sarbanes-Oxley Act of  2002,
that:

(1)  the Report fully complies with the requirements of
   Section 13(a) or 15(d) of the Securities Exchange Act of
   1934; and

(2)  the information contained in the Report fairly
   presents, in all material respects, the financial condition
   and results of operations of the Company.



/s/Robert F. Shuford
- --------------------
Robert F. Shuford
President and Chief Executive Officer


August 26, 2002