UNITED STATES
	SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C.  20549
	FORM 13F
	FORM 13F COVER PAGE
	Report for the Calendar Year or Quarter 	June 30, 2010
Check here if Amendment [   ];  Amendment Number :
This Amendment (Check Only one.): [   ] is a restatement.
	[   ] adds new holdings entries.
Institutional Investment Manager Filing this Report
Name:    	Old Point Trust && Financial Services, N.A.
Address: 	11780 Jefferson Avenue Suite D
	Newport 	VA	23606
13F File Number

The institutional investment manager filing this report and the
 person by whom it is signed hereby represent that the person
 signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager :
Name:	Eugene Jordan II
Title: 	President && CEO
Phone	757-599-2200
Signature,Place, and Date Of Signing:
Eugene Jordan II Newport News VA June 30, 2010
Report Type (Check only one.):
[X]        13F HOLDINGS REPORT.
[  ]        13F NOTICE.
[  ]        13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.

	        FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:	0

Form 13F Information Table Entry 	60
Form 13F Information Table Value 	$94,765,242
List of Other Managers: NONE



13 F Report Of Managed Assets
	As Of Date : 6/30/2010
	Market 	SH/	Investment	Other	Voting Authority
Name Of Issuer	Type	Cusip	Value	Shares/PV	PRN	Discretion	Mgrs	Sole	Shared	None
 	 	 		 				
AT&T INC	Equity	00206R102	3,216,327	132,961	SH	Sole	0	128,721	1,230	3,010
AT&T INC	Equity	00206R102	61,491	2,542	SH	Defined	0	1,991	0	551
ABBOTT LABORATORIES	Equity	002824100	208,311	4,453	SH	Sole	0	4,453	0	0
ALTRIA GROUP INC	Equity	02209S103	308,055	15,372	SH	Sole	0	15,172	0	200
ALTRIA GROUP INC	Equity	02209S103	21,042	1,050	SH	Defined	0	1,050	0	0
AMERILITHIUM CORP	Equity	03077G106	7,000	10,000	SH	Sole	0	10,000	0	0
B B & T CORP	Equity	054937107	1,161,981	44,165	SH	Sole	0	43,565	0	600
B B & T CORP	Equity	054937107	168,831	6,417	SH	Defined	0	1,767	0	4,650
BAKER HUGHES INC	Equity	057224107	2,429,767	58,450	SH	Sole	0	57,050	300	1,100
BAKER HUGHES INC	Equity	057224107	37,413	900	SH	Defined	0	800	0	100
BANK OF AMERICA CORP	Equity	060505104	358,474	24,946	SH	Sole	0	24,946	0	0
BANK OF AMERICA CORP	Equity	060505104	14,485	1,008	SH	Defined	0	0	0	1,008
BAXTER INTL INC	Equity	071813109	1,969,008	48,450	SH	Sole	0	47,350	300	800
BAXTER INTL INC	Equity	071813109	32,512	800	SH	Defined	0	800	0	0
CATERPILLAR INC	Equity	149123101	450,525	7,500	SH	Sole	0	7,500	0	0
CHEVRON CORP	Equity	166764100	236,492	3,485	SH	Sole	0	3,485	0	0
CHEVRON CORP	Equity	166764100	42,752	630	SH	Defined	0	630	0	0
CISCO SYSTEMS	Equity	17275R102	1,598,932	75,032	SH	Sole	0	73,274	500	1,258
CISCO SYSTEMS	Equity	17275R102	23,441	1,100	SH	Defined	0	1,100	0	0
COCA-COLA CO	Equity	191216100	1,451,575	28,962	SH	Sole	0	28,362	0	600
COCA-COLA CO	Equity	191216100	30,072	600	SH	Defined	0	600	0	0
CONOCOPHILLIPS	Equity	20825C104	3,376,312	68,778	SH	Sole	0	67,046	532	1,200
CONOCOPHILLIPS	Equity	20825C104	49,090	1,000	SH	Defined	0	1,000	0	0
DOMINION RESOURCES INC VA 	Equity	25746U109	2,882,488	74,406	SH	Sole	0	72,608	400	1,398

DOMINION RESOURCES INC VA 	Equity	25746U109	71,669	1,850	SH	Defined	0	1,850	0	0
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	2,354,714	68,075	SH	Sole	0	66,075	400	1,600
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	79,557	2,300	SH	Defined	0	1,100	0	1,200
EATON CORP	Equity	278058102	554,604	8,475	SH	Sole	0	8,275	0	200
EMERSON ELECTRIC CO	Equity	291011104	404,832	9,266	SH	Sole	0	9,266	0	0
EXXON MOBIL CORPORATION	Equity	30231G102	4,041,697	70,820	SH	Sole	0	69,406	400	1,014
EXXON MOBIL CORPORATION	Equity	30231G102	216,866	3,800	SH	Defined	0	600	0	3,200
FINOVA GROUP INC	Equity	317928109	0	10,000	SH	Sole	0	10,000	0	0
FOREST LABORATORIES INC	Equity	345838106	533,980	19,467	SH	Sole	0	19,067	0	400
FOREST LABORATORIES INC	Equity	345838106	5,486	200	SH	Defined	0	200	0	0
GENERAL ELECTRIC CO	Equity	369604103	2,381,607	165,160	SH	Sole	0	161,920	600	2,640
GENERAL ELECTRIC CO	Equity	369604103	170,214	11,804	SH	Defined	0	2,900	0	8,904
HEWLETT PACKARD CO.	Equity	428236103	2,343,699	54,152	SH	Sole	0	53,152	400	600
HEWLETT PACKARD CO.	Equity	428236103	25,968	600	SH	Defined	0	600	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	252,992	6,482	SH	Sole	0	6,482	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	15,612	400	SH	Defined	0	400	0	0
INTEL CORP	Equity	458140100	1,992,439	102,439	SH	Sole	0	100,539	200	1,700
INTEL CORP	Equity	458140100	24,215	1,245	SH	Defined	0	1,200	0	45
INTERNATIONAL BUSINESS 	Equity	459200101	1,061,187	8,594	SH	Sole	0	8,494	0	100
INTERNATIONAL BUSINESS 	Equity	459200101	24,696	200	SH	Defined	0	200	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	413,780	34,000	SH	Sole	0	34,000	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	12,170	1,000	SH	Defined	0	1,000	0	0
JOHNSON & JOHNSON	Equity	478160104	7,542,966	127,717	SH	Sole	0	125,967	500	1,250
JOHNSON & JOHNSON	Equity	478160104	47,248	800	SH	Defined	0	800	0	0
KIMBERLY CLARK CORP	Equity	494368103	676,025	11,150	SH	Sole	0	10,850	0	300
KIMBERLY CLARK CORP	Equity	494368103	6,063	100	SH	Defined	0	100	0	0
KRAFT FOODS INC-A	Equity	50075N104	295,064	10,538	SH	Sole	0	10,538	0	0
KRAFT FOODS INC-A	Equity	50075N104	20,328	726	SH	Defined	0	726	0	0
LOCKHEED MARTIN CORP	Equity	539830109	1,534,998	20,604	SH	Sole	0	20,204	150	250
LOCKHEED MARTIN CORP	Equity	539830109	14,900	200	SH	Defined	0	200	0	0
MARATHON OIL CORP	Equity	565849106	2,369,058	76,200	SH	Sole	0	74,600	500	1,100
MARATHON OIL CORP	Equity	565849106	31,090	1,000	SH	Defined	0	900	0	100
MEDTRONIC INC	Equity	585055106	311,922	8,600	SH	Sole	0	8,200	0	400
MERCK & CO INC NEW	Equity	58933Y105	989,406	28,293	SH	Sole	0	27,832	0	461
MERCK & CO INC NEW	Equity	58933Y105	24,479	700	SH	Defined	0	700	0	0
MICROSOFT CORP.	Equity	594918104	1,561,367	67,856	SH	Sole	0	67,000	200	656
MICROSOFT CORP.	Equity	594918104	23,010	1,000	SH	Defined	0	1,000	0	0
MONACO COACH CORP	Equity	60886R103	550	55,000	SH	Sole	0	55,000	0	0
NEXTERA ENERGY INC	Equity	65339F101	1,952,838	40,050	SH	Sole	0	38,750	300	1,000
NEXTERA ENERGY INC	Equity	65339F101	48,760	1,000	SH	Defined	0	1,000	0	0
NORFOLK SOUTHERN CORP.	Equity	655844108	2,563,907	48,330	SH	Sole	0	47,466	300	564
NORFOLK SOUTHERN CORP.	Equity	655844108	103,448	1,950	SH	Defined	0	600	0	1,350
OLD POINT FINANCIAL 	Equity	680194107	6,508,438	499,880	SH	Sole	0	452,083	0	47,797
OLD POINT FINANCIAL 	Equity	680194107	286,113	21,975	SH	Defined	0	16,346	0	5,629

PPG INDUSTRIES, INC.	Equity	693506107	353,882	5,858	SH	Sole	0	5,858	0	0
PEPSICO INC	Equity	713448108	3,646,212	59,823	SH	Sole	0	58,223	400	1,200
PEPSICO INC	Equity	713448108	137,259	2,252	SH	Defined	0	900	0	1,352
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	681,386	47,783	SH	Sole	0	47,783	0	0
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	69,760	4,892	SH	Defined	0	1,892	0	3,000
PHILIP MORRIS INTERNATIONAL	Equity	718172109	722,209	15,755	SH	Sole	0	15,155	0	600
PHILIP MORRIS INTERNATIONAL	Equity	718172109	48,132	1,050	SH	Defined	0	1,050	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	200,274	5,800	SH	Sole	0	5,800	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	27,624	800	SH	Defined	0	800	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	785,703	17,700	SH	Sole	0	17,700	0	0
PROCTER & GAMBLE CO.	Equity	742718109	3,327,271	55,473	SH	Sole	0	53,773	300	1,400
PROCTER & GAMBLE CO.	Equity	742718109	158,707	2,646	SH	Defined	0	400	0	2,246
RAYTHEON COMPANY	Equity	755111507	3,096,960	64,000	SH	Sole	0	62,700	400	900
RAYTHEON COMPANY	Equity	755111507	43,551	900	SH	Defined	0	900	0	0
CHARLES SCHWAB CORP NEW	Equity	808513105	479,284	33,800	SH	Sole	0	33,000	0	800
SMITHFIELD FOODS, INC.	Equity	832248108	149,000	10,000	SH	Sole	0	10,000	0	0
SOUTHERN CO	Equity	842587107	1,090,719	32,774	SH	Sole	0	31,774	100	900
SOUTHERN CO	Equity	842587107	46,592	1,400	SH	Defined	0	1,400	0	0
SPECTRA ENERGY CORP	Equity	847560109	2,367,257	117,950	SH	Sole	0	115,250	700	2,000
SPECTRA ENERGY CORP	Equity	847560109	30,105	1,500	SH	Defined	0	1,500	0	0
SYSCO CORP	Equity	871829107	1,191,369	41,700	SH	Sole	0	40,900	300	500
SYSCO CORP	Equity	871829107	19,999	700	SH	Defined	0	700	0	0
TARGET CORP	Equity	87612E106	1,486,507	30,232	SH	Sole	0	29,282	300	650
TARGET CORP	Equity	87612E106	29,502	600	SH	Defined	0	600	0	0
3M CO	Equity	88579Y101	839,269	10,625	SH	Sole	0	10,625	0	0
3M CO	Equity	88579Y101	31,596	400	SH	Defined	0	400	0	0
TOWNEBANK	Equity	89214P109	180,396	12,424	SH	Sole	0	12,424	0	0
TOWNEBANK	Equity	89214P109	8,973	618	SH	Defined	0	0	0	618
UNITED TECHNOLOGIES	Equity	913017109	1,261,980	19,442	SH	Sole	0	19,442	0	0
UNITED TECHNOLOGIES	Equity	913017109	12,982	200	SH	Defined	0	200	0	0
VERIZON COMMUNICATIONS	Equity	92343V104	2,669,437	95,269	SH	Sole	0	93,029	800	1,440
VERIZON COMMUNICATIONS	Equity	92343V104	114,322	4,080	SH	Defined	0	2,300	0	1,780
WAL-MART STORES INC	Equity	931142103	248,426	5,168	SH	Sole	0	5,168	0	0
WALGREEN CO	Equity	931422109	1,245,555	46,650	SH	Sole	0	46,250	0	400
WALGREEN CO	Equity	931422109	16,020	600	SH	Defined	0	600	0	0
ACCENTURE PLC CL A	Equity	G1151C101	2,046,865	52,959	SH	Sole	0	52,259	0	700
ACCENTURE PLC CL A	Equity	G1151C101	34,785	900	SH	Defined	0	900	0	0
NOBLE CORPORATION COM	Equity	H5833N103	1,813,397	58,667	SH	Sole	0	57,217	300	1,150
NOBLE CORPORATION COM	Equity	H5833N103	21,637	700	SH	Defined	0	600	0	100