SECURITIES AND EXCHANGE COMMISSION
                    WASHINGTON, D.C.  20549


                            FORM 8-K


                         CURRENT REPORT
 Pursuant to Section 13 or 15(d) of the Securities Exchange
                         Act of 1934


  Date of Report (Date of earliest event reported):  August
                          26, 2002



               OLD POINT FINANCIAL CORPORATION
               -------------------------------
   (Exact name of registrant as specified in its charter)


                           0-12896
                           -------
                  (Commission File Number)

          Virginia                           54-1265373
          --------                           ----------
   (State of incorporation)      (I.R.S. Employer Identification No.)



          1 West Mellen Street, Hampton, Virginia      23663
          ---------------------------------------      -----
         (Address of principal executive offices)    (Zip Code)


                       (757) 728-1200
                       --------------
    (Registrant's telephone number, including area code)