EXHIBIT 25. POWERS OF ATTORNEY

Old Point Financial Corporation

Power of Attorney

     I, Russell S. Evans, Jr., do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ Russell S. Evans    (SEAL)


Old Point Financial Corporation

Power of Attorney

     I, Richard F. Clark, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ Richard F. Clark    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, Gertrude S. Dixon, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ Gertrude S. Dixon    (SEAL)


Old Point Financial Corporation

Power of Attorney

     I, Stephen D. Harris, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ Stephen D. Harris    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, John Cabot Ishon, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ John Cabot Ishon  (SEAL)

Old Point Financial Corporation

Power of Attorney


     I, Eugene M. Jordan, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.



 /s/ Eugene M. Jordan    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, John G. Sebrell, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.



 /s/ John G. Sebrell  (SEAL)

Old Point Financial Corporation

Power of Attorney


     I, Robert F. Shuford, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/Robert F. Shuford    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, Dr. Arthur D. Greene, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ Dr. Arthur D. Greene    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, John B. Morgan, do hereby constitute and appoint Robert F. Shuford,
John G. Sebrell, and Eugene M. Jordan, my true and lawful attorney-in-fact,
any of whom acting singly is hereby authorized for me and in my name and on
my behalf as a director and/or officer of Old Point Financial Corporation
(the "Corporation"), to act and to execute any and all instruments as such
attorneys or attorney deem necessary or advisable to enable the Corporation
to comply with the Securities Exchange Act of 1934, as amended ("Act"), and
any rules, regulations, policies or requirements of the Securities Exchange
Commission (the "Commission") in respect thereof in connection with the
preparation and filing by the Corporation with the Commission of its Annual
Report on Form 10-K for the year ended December 31, 1994 and any and all
amendments to such Report, together with such other supplements,
statements, instrument and documents as such attorneys or attorney deem
necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ John B. Morgan    (SEAL)

Old Point Financial Corporation

Power of Attorney

     I, G. Royden Goodson, III, do hereby constitute and appoint Robert F.
Shuford, John G. Sebrell, and Eugene M. Jordan, my true and lawful
attorney-in-fact, any of whom acting singly is hereby authorized for me and
in my name and on my behalf as a director and/or officer of Old Point
Financial Corporation (the "Corporation"), to act and to execute any and
all instruments as such attorneys or attorney deem necessary or advisable
to enable the Corporation to comply with the Securities Exchange Act of
1934, as amended ("Act"), and any rules, regulations, policies or
requirements of the Securities Exchange Commission (the "Commission") in
respect thereof in connection with the preparation and filing by the
Corporation with the Commission of its Annual Report on Form 10-K for the
year ended December 31, 1994 and any and all amendments to such Report,
together with such other supplements, statements, instrument and documents
as such attorneys or attorney deem necessary or appropriate.

     I do hereby ratify and confirm all my said attorneys or attorney shall
do or cause to be done by virtue hereof.

     WITNESS my execution hereof this 14th day of March, 1995.


 /s/ G. Royden Goodson, III    (SEAL)