Exhibit 99.2

          RETURN THIS CARD ONLY IF YOU WISH TO PARTICIPATE IN THE PLAN

                        Eastern Virginia Bankshares, Inc.
                  Dividend Reinvestment and Stock Purchase Plan
                               Authorization Card

To Join the Plan:

         (1)      Complete this card.  Be sure to include the  signatures of all
                  account owners.

         (2)      Return the card to the Administrator.

         I/we wish to participate in the Eastern Virginia Bankshares, Inc.
("EVB") Dividend Reinvestment and Stock Purchase Plan (the "Plan"). I/we
represent that we are bona fide residents of the state indicated in the mailing
address set forth on the reverse side of this card.

         I/we hereby appoint EVB (the "Administrator") or any successor, to
receive cash dividends that may thereafter become payable to me/us on shares of
common stock of EVB registered in my/our name(s) as set forth below and
authorize the Administrator to apply such dividends together with any optional
cash investments I/we may properly make under the Plan, to the purchase of full
shares and fractional interest in shares of EVB common stock. I/we understand
that the purchases will be made under the terms and conditions of the Plan as
described in the Prospectus and that I/we may revoke this authorization by
notifying the Administrator in writing of my/our desire to terminate my/our
participation. I/we understand that revocation of authorization shall become
effective in accordance with the terms of the Plan.




|_| Yes, I want full dividend reinvestment on all shares of common stock held in
my/our name(s).

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                           Signature(s)

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                           Signature(s)

[Address Label]
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                           Date                  Social Security or Tax I.D. No.