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 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/Russell S. Evans, Jr. (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, Dr. Richard F. Clark, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ Dr. Richard F. Clark (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, Gertrude S. Dixon, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ Gertrude S. Dixon (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, Stephen D. Harris, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ Stephen D. Harris (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, John Cabot Ishon, do hereby constitute and appoint Robert
F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ John Cabot Ishon (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, Eugene M. Jordan, do hereby constitute and appoint Robert
F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ Eugene M. Jordan (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, Robert F. Shuford, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/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 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



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


                 Old Point Financial Corporation

                        Power of Attorney

     I, John B. Morgan, II, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



/s/ John B. Morgan, II (SEAL)


                 Old Point Financial Corporation

                        Power of Attorney

     I, G. Royden Goodson, III, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.



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


                 Old Point Financial Corporation

                        Power of Attorney

     I, Dr. H. Robert Schappert, do hereby constitute and appoint
Robert F. Shuford 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, 1996 and any and all amendments
to such Report, together with such other supplements, statements,
instruments 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 11th day of January, 1997.


/s/ Dr. H. Robert Schappert (SEAL)