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, 1998 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 12th day of January, 1999.



/s/Russell S. Evans, Jr. (SEAL)
                                       56


                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, 1998 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 12th day of January, 1999.



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

                                       57


                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, 1998  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 12th day of January, 1999.



/s/ Gertrude S. Dixon (SEAL)
                                       58


                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, 1998 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 12th day of January, 1999.



/s/ Stephen D. Harris (SEAL)
                                       59


                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, 1998 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 12th day of January, 1999.



/s/ John Cabot Ishon (SEAL)
                                       60


                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, 1998 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 12th day of January, 1999.



/s/ Eugene M. Jordan (SEAL) 
                                       61
                                       

                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, 1998 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 12th day of January, 1999.



/s/ Robert F. Shuford (SEAL)
                                       62


                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, 1998 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 12th day of January, 1999.



/s/ Dr. Arthur D. Greene (SEAL)        63



                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, 1998 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 12th day of January, 1999.



/s/ John B. Morgan, II (SEAL)
                                       64

                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, 1998 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 12th day of January, 1999.



/s/ G. Royden Goodson, III (SEAL)
                                       65


                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, 1998 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 12th day of January, 1999.



/s/ Dr. H. Robert Schappert (SEAL)
                                       66