Form 10-C

Securities and Exchange Commission
Washington, DC 20549

     Report by issuer of securities  quoted on The Nasdaq Stock MarketSM,  filed
pursuant to Section 13 or 15(d) of the Securities  Exchange Act of 1934 and Rule
13a-17 or 15d-17 thereunder.





                                                             
EXACT NAME OF ISSUER AS SPECIFIED IN CHARTER:                  FFVA Financial Corporation
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ADDRESS OF PRINCIPAL EXECUTIVE OFFICES:                        925 Main Street, Lynchburg, Virginia 24504
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ISSUER'S TELEPHONE NUMBER, (INCLUDING AREA CODE):              (804) 845-2371
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I.  CHANGE IN NUMBER OF SHARES OUTSTANDING

Indicate any change (increase or decrease) of five percent or more in the number of shares outstanding:



1.    Title of security    Common stock, $0.10 par value per share
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2.    Number of shares outstanding before the change  2,713,832
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3.    Number of shares outstanding after the change   5,427,644
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4.    Effective date of change      June 5, 1996
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5.    Method of change:    Stock split effected in the form of a 100% stock dividend
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     Specify method (such as merger, acquisition,  exchange, distribution, stock
split, reverse split, acquisition of stock for treasury, etc.)

Give brief description of transaction
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II. CHANGE IN NAME OF ISSUER



1.    Name prior to change
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2.    Name after change
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3.    Effective date of charter amendment changing name
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4.    Date of shareholder approval of change, if required
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June 6, 1996                  /s/ Ronald W. Neblett, Sr. VP & Treasurer
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          DATE                                           OFFICER'S SIGNATURE AND TITLE