Exhibit 99.2


                          The Horizon Bank of Virginia
               Proxy Solicited on Behalf of the Board of Directors


         The    undersigned    hereby    appoints    ____________________    and
____________________,  jointly and  severally,  proxies,  with full power to act
alone, and with full power of substitution,  to represent the undersigned and to
vote, as  designated  below and upon any and all other matters that may properly
be brought before such meeting,  all shares of Common Stock that the undersigned
would be entitled to vote at a Special  Meeting of  Shareholders  of The Horizon
Bank of Virginia (the "Bank") to be held at the Westwood Country Club, 800 Maple
Avenue, East, Vienna,  Virginia, on ________ __, 1999 at 10:00 a.m., local time,
or any adjournments thereof, for the following purposes:

         1.       To approve the Agreement and Plan of Reorganization,  dated as
                  of May 3, 1999, as amended,  by and between the Bank, Southern
                  Financial  Bancorp,  Inc. and Southern Financial Bank ("SFB"),
                  and a related Plan of Merger,  which  provides for the Bank to
                  be merged with and into SFB. The  Reorganization  Agreement is
                  enclosed  with  the  accompanying  Joint  Proxy  Statement  as
                  Appendix A.

                      [    ]  FOR        [    ]  AGAINST        [    ]  ABSTAIN


         2.       In their  discretion,  the proxies are authorized to vote upon
                  any other  business that may properly come before the meeting,
                  or any adjournment thereof.


         THIS  PROXY,  WHEN  PROPERLY  EXECUTED,  WILL BE  VOTED  IN THE  MANNER
DIRECTED HEREIN BY THE SHAREHOLDER. IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE
VOTED FOR ITEM 1.


- ---------------------------------       ---------------------------------------
         Printed Name                                    Signature


                                        ---------------------------------------
                                                         Signature

                                        Dated:   ___/___/99

                                        (If  signing as Attorney, Administrator,
                                        Executor, Guardian or  Trustee,  please
                                        add  your  title  as such.)

                   PLEASE MARK, SIGN, DATE AND RETURN PROMPTLY