EXHIBIT 21. SUBSIDIARIES OF THE REGISTRANT

The Old Point National Bank of Phoebus, a
wholly-owned subsidiary of the Corporation, is a
national banking association subject to regulation by
the Comptroller of the Currency, the Federal Deposit
Insurance Corporation, and the Federal Reserve
System.

Old Point Trust and Financial Services, N.A., a
wholly-owned subsidiary of the Corporation, is a
national banking association subject to regulation by
the Comptroller of the Currency,  and the Federal
Reserve System.