Exhibit 31.1



                      CERTIFICATION PURSUANT TO
                       18 U.S.C. SECTION 1350,
                       AS ADOPTED PURSUANT TO
            SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002



I, Robert F. Shuford, certify that:

1.  I have reviewed this quarterly report on Form 10-Q of Old Point
    Financial Corporation;

2.  Based on my knowledge, this quarterly report does not contain
    any untrue statement of a material fact or omit to state a material
    fact necessary to make the statements made, in light of the
    circumstances under which such statements were made, not misleading
    with respect to the period covered by this quarterly report;

3.  Based on my knowledge, the financial statements, and other
    financial information included in this quarterly report, fairly
    present in all material respects the financial condition, results of
    operations and cash flows of the registrant as of, and for, the
    periods presented in this quarterly report;

4.  The registrant's other certifying officer(s) and I are
    responsible for establishing and maintaining disclosure controls and
    procedures (as defined in Exchange Act Rules 13a-15 (e) and 15d-15(e))
    for the registrant and have:

    a)  designed such disclosure controls and procedures, or caused such
        disclosure controls and procedures to be designed under our
        supervision, to ensure that material information relating to the
        registrant, including its consolidated subsidiaries, is made known to
        us by others within those entities, particularly during the period in
        which this report is being prepared;
    b)  evaluated the effectiveness of the registrant's disclosure
        controls and procedures and presented in this report our conclusions
        about the effectiveness of the disclosure controls and procedures, as
        of the end of the period covered by this report based on such
        evaluation; and
    c)  disclosed in this report any change in the registrant's internal
        control over financial reporting that occurred during the
        registrant's most recent fiscal quarter (the registrant's fourth
        fiscal quarter in the case of an annual report) that has materially
        affected, or is reasonably likely to materially affect, the
        registrant's internal control over financial reporting; and

5.  The registrant's other certifying officer(s) and I have
    disclosed, based on our most recent evaluation of internal control
    over financial reporting, to the registrant's auditors and the audit
    committee of the registrant's board of directors (or persons
    performing the equivalent functions):
    a)  all significant deficiencies and material weaknesses in the
        design or operation of internal control over financial reporting
        which are reasonably likely to adversely affect the registrant's
        ability to record , process, summarize and report financial
        information; and
    b)  any fraud, whether or not material, that involves management or
        other employees who have a  significant role in the registrant's
        internal control over financial reporting.




Date:  November 7, 2003



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