EXHIBIT 23. CONSENT OF INDEPENDENT CERTIFIED PUBLIC
ACCOUNTANTS

CONSENT OF INDEPENDENT AUDITORS



To the Board of Directors
Old Point Financial Corporation
Hampton, Virginia


We have audited the accompanying consolidated balance sheets
of Old Point Financial Corporation and subsidiaries as of
December 31, 2002 and 2001, and the related consolidated
statements of income, cash flows and changes in
stockholder's equity for each of the years in the three-year
period ended December 31, 2002.  These financial statements
are the responsibility of the Company's management.  Our
responsibility is to express an opinion on these financial
statements based on our audits.

We conducted our audits in accordance with auditing
standards generally accepted in the United States of
America.  Those standards require that we plan and perform
the audit to obtain reasonable assurance about whether the
consolidated financial statements are free of material
misstatement.  An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the
consolidated financial statements.  An audit also includes
assessing the accounting principles used and significant
estimates made by management, as well as evaluating the
overall financial statement presentation.  We believe that
our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements
referred to above, present fairly, in all material respects,
the consolidated financial position of Old Point Financial
Corporation and subsidiaries as of December 31, 2002 and
2001, and the consolidated results of their operations and
cash flows for each of the years in the three-year period
ended December 31, 2002, in conformity with accounting
principles generally accepted in the United States of
America.






Eggleston Smith P.C.
/s/Eggleston Smith P.C.

February 13, 2003
Newport News