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Thursday, 02/09/2012 3:10:47 AM

Thursday, February 09, 2012 3:10:47 AM

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Old Point Financial Corporation is a holding company that conducts its operations through two subsidiaries: The Old Point National Bank of Phoebus (the Bank) and Old Point Trust and Financial Services, N.A. (Trust). The Bank services individual and commercial customers, the majority of which are in Hampton Roads. As of December 31, 2010, the Bank had 21 branches offices, throughout the Hampton Roads localities of Chesapeake, Hampton, Isle of Wight County, Newport News, Norfolk, Virginia Beach, Williamsburg/James City County and York County. The Bank offers a line of consumer, mortgage and business banking services, including loan, deposit, and cash management services to individual and business customers. The Bank offers a range of deposit and loan products to its retail and commercial customers. Trust offers a range of services for individuals and businesses.

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