EXHIBIT 24. CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

EGGLESTON SMITH P.C.
CERTIFIED PUBLIC ACCOUNTANTS AND CONSULTANTS


CONSENT OF INDEPENDENT AUDITORS


Board of Directors
Old Point Financial Corporation


     We consent to the incorporation by reference in this Annual
Reports on Form 10-K of our report dated January 14, 1997, relating
to the consolidated financial statements of Old Point Financial
Corporation as of December 31, 1996, 1994, and 1993, and for each
of the three-year period ended December 31, 1996.

EGGLESTON SMITH P.C.

/s/ EGGLESTON SMITH P.C.

Newport News, Virginia
March 1997