Exhibit 99.1


          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 Southside Bank (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's 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 my 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).



                               _________________________________________________
                               Signature(s)

                               _________________________________________________
                               Signature(s)

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