UNITED STATES
	SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C.  20549
	FORM 13F
	FORM 13F COVER PAGE
	Report for the Calendar Year or Quarter 	December 31, 2009
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 December 31, 2009
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 	58
Form 13F Information Table Value 	$103,141,125
List of Other Managers: NONE



13 F Report Of Managed Assets
	As Of Date : 12/31/2009
	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	3,536,489	126,168	SH	Sole	0	121,828	1,430	2,910
AT&T INC	Equity	00206R102	118,203	4,217	SH	Other	0	3,666	0	551
ABBOTT LABORATORIES	Equity	002824100	240,417	4,453	SH	Sole	0	4,453	0	0
ALTRIA GROUP INC	Equity	02209S103	316,283	16,112	SH	Sole	0	15,512	0	600
ALTRIA GROUP INC	Equity	02209S103	20,612	1,050	SH	Other	0	1,050	0	0
B B & T CORP	Equity	054937107	1,100,170	43,365	SH	Sole	0	42,765	0	600
B B & T CORP	Equity	054937107	162,799	6,417	SH	Other	0	1,767	0	4,650
BAKER HUGHES INC	Equity	057224107	2,285,096	56,450	SH	Sole	0	55,050	300	1,100
BAKER HUGHES INC	Equity	057224107	44,528	1,100	SH	Other	0	1,000	0	100
BANK OF AMERICA CORP	Equity	060505104	369,063	24,506	SH	Sole	0	24,506	0	0
BANK OF AMERICA CORP	Equity	060505104	15,180	1,008	SH	Other	0	0	0	1,008
BAXTER INTL INC	Equity	071813109	2,608,326	44,450	SH	Sole	0	43,350	300	800
BAXTER INTL INC	Equity	071813109	35,208	600	SH	Other	0	600	0	0
CATERPILLAR INC	Equity	149123101	416,027	7,300	SH	Sole	0	7,300	0	0
CHEVRON CORP	Equity	166764100	283,708	3,685	SH	Sole	0	3,685	0	0
CHEVRON CORP	Equity	166764100	48,504	630	SH	Other	0	630	0	0
CISCO SYSTEMS	Equity	17275R102	1,662,250	69,434	SH	Sole	0	67,676	500	1,258
CISCO SYSTEMS	Equity	17275R102	23,940	1,000	SH	Other	0	1,000	0	0
COCA-COLA CO	Equity	191216100	2,183,784	38,312	SH	Sole	0	37,512	300	500
COCA-COLA CO	Equity	191216100	34,200	600	SH	Other	0	600	0	0
CONOCOPHILLIPS	Equity	20825C104	3,405,245	66,678	SH	Sole	0	65,146	532	1,000
CONOCOPHILLIPS	Equity	20825C104	71,498	1,400	SH	Other	0	1,400	0	0
DOMINION RESOURCES INC VA 	Equity	25746U109	2,778,966	71,402	SH	Sole	0	69,804	400	1,198
DOMINION RESOURCES INC VA 	Equity	25746U109	110,844	2,848	SH	Other	0	2,848	0	0

DUPONT E.I., DENEMOURS & CO.	Equity	263534109	2,117,843	62,900	SH	Sole	0	61,600	400	900
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	90,909	2,700	SH	Other	0	1,500	0	1,200
EATON CORP	Equity	278058102	695,049	10,925	SH	Sole	0	10,525	200	200
EATON CORP	Equity	278058102	12,724	200	SH	Other	0	200	0	0
EMERSON ELECTRIC CO	Equity	291011104	400,781	9,408	SH	Sole	0	9,408	0	0
EXXON MOBIL CORPORATION	Equity	30231G102	4,867,129	71,376	SH	Sole	0	70,112	400	864
EXXON MOBIL CORPORATION	Equity	30231G102	279,579	4,100	SH	Other	0	900	0	3,200
F P L GROUP INC	Equity	302571104	1,941,135	36,750	SH	Sole	0	35,550	200	1,000
F P L GROUP INC	Equity	302571104	52,820	1,000	SH	Other	0	1,000	0	0
FOREST LABORATORIES INC	Equity	345838106	663,617	20,667	SH	Sole	0	19,967	300	400
FOREST LABORATORIES INC	Equity	345838106	12,844	400	SH	Other	0	400	0	0
GENERAL ELECTRIC CO	Equity	369604103	2,412,357	159,442	SH	Sole	0	156,452	600	2,390
GENERAL ELECTRIC CO	Equity	369604103	181,621	12,004	SH	Other	0	3,100	0	8,904
HEWLETT PACKARD CO.	Equity	428236103	2,835,729	55,052	SH	Sole	0	54,052	400	600
HEWLETT PACKARD CO.	Equity	428236103	82,416	1,600	SH	Other	0	1,600	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	1,225,196	31,255	SH	Sole	0	30,255	500	500
HONEYWELL INTERNATIONAL INC	Equity	438516106	31,360	800	SH	Other	0	800	0	0
INTEL CORP	Equity	458140100	1,870,476	91,690	SH	Sole	0	89,790	200	1,700
INTEL CORP	Equity	458140100	25,398	1,245	SH	Other	0	1,200	0	45
INTERNATIONAL BUSINESS 	Equity	459200101	1,190,405	9,094	SH	Sole	0	8,994	0	100
INTERNATIONAL BUSINESS 	Equity	459200101	26,180	200	SH	Other	0	200	0	0
INTERNATIONAL PAPER	Equity	460146103	295,437	11,032	SH	Sole	0	10,332	300	400
JOHNSON & JOHNSON	Equity	478160104	8,200,488	127,317	SH	Sole	0	125,717	500	1,100
JOHNSON & JOHNSON	Equity	478160104	67,631	1,050	SH	Other	0	1,050	0	0
KIMBERLY CLARK CORP	Equity	494368103	1,357,023	21,300	SH	Sole	0	20,800	300	200
KIMBERLY CLARK CORP	Equity	494368103	12,742	200	SH	Other	0	200	0	0
KRAFT FOODS INC-A	Equity	50075N104	293,843	10,811	SH	Sole	0	10,811	0	0
KRAFT FOODS INC-A	Equity	50075N104	19,733	726	SH	Other	0	726	0	0
LOCKHEED MARTIN CORP	Equity	539830109	1,448,076	19,218	SH	Sole	0	18,868	150	200
LOCKHEED MARTIN CORP	Equity	539830109	115,738	1,536	SH	Other	0	1,536	0	0
MARATHON OIL CORP	Equity	565849106	2,197,888	70,400	SH	Sole	0	68,800	500	1,100
MARATHON OIL CORP	Equity	565849106	31,220	1,000	SH	Other	0	900	0	100
MEDTRONIC INC	Equity	585055106	580,536	13,200	SH	Sole	0	12,500	300	400
MEDTRONIC INC	Equity	585055106	6,597	150	SH	Other	0	150	0	0
MERCK & CO INC NEW	Equity	58933Y105	1,066,712	29,193	SH	Sole	0	28,732	0	461
MERCK & CO INC NEW	Equity	58933Y105	25,578	700	SH	Other	0	700	0	0
MICROSOFT CORP.	Equity	594918104	2,138,355	70,156	SH	Sole	0	68,900	600	656
MICROSOFT CORP.	Equity	594918104	30,480	1,000	SH	Other	0	1,000	0	0
MONACO COACH CORP	Equity	60886R103	330	55,000	SH	Sole	0	55,000	0	0
NORFOLK SOUTHERN CORP.	Equity	655844108	2,648,783	50,530	SH	Sole	0	49,666	300	564
NORFOLK SOUTHERN CORP.	Equity	655844108	102,219	1,950	SH	Other	0	600	0	1,350
OLD POINT FINANCIAL 	Equity	680194107	7,733,870	497,355	SH	Sole	0	449,558	0	47,797
OLD POINT FINANCIAL 	Equity	680194107	363,907	23,402	SH	Other	0	17,846	0	5,556
PPG INDUSTRIES, INC.	Equity	693506107	342,927	5,858	SH	Sole	0	5,858	0	0

PEPSICO INC	Equity	713448108	3,585,558	58,973	SH	Sole	0	57,473	400	1,100
PEPSICO INC	Equity	713448108	152,122	2,502	SH	Other	0	1,150	0	1,352
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	878,268	48,283	SH	Sole	0	48,283	0	0
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	94,442	5,192	SH	Other	0	2,192	0	3,000
PHILIP MORRIS INTERNATIONAL	Equity	718172109	782,847	16,245	SH	Sole	0	15,645	0	600
PHILIP MORRIS INTERNATIONAL	Equity	718172109	50,600	1,050	SH	Other	0	1,050	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	219,008	5,800	SH	Sole	0	5,800	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	30,208	800	SH	Other	0	800	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	1,134,225	21,300	SH	Sole	0	21,300	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	21,300	400	SH	Other	0	400	0	0
PROCTER & GAMBLE CO.	Equity	742718109	3,332,589	54,966	SH	Sole	0	53,366	300	1,300
PROCTER & GAMBLE CO.	Equity	742718109	166,490	2,746	SH	Other	0	500	0	2,246
RAYTHEON COMPANY	Equity	755111507	3,316,600	64,375	SH	Sole	0	63,075	400	900
RAYTHEON COMPANY	Equity	755111507	66,976	1,300	SH	Other	0	1,300	0	0
CHARLES SCHWAB CORP NEW	Equity	808513105	1,098,956	58,393	SH	Sole	0	57,593	0	800
SMITHFIELD FOODS, INC.	Equity	832248108	151,900	10,000	SH	Sole	0	10,000	0	0
SOUTHERN CO	Equity	842587107	798,814	23,974	SH	Sole	0	22,974	100	900
SOUTHERN CO	Equity	842587107	46,648	1,400	SH	Other	0	1,400	0	0
SPECTRA ENERGY CORP	Equity	847560109	1,462,691	71,316	SH	Sole	0	69,416	0	1,900
SPECTRA ENERGY CORP	Equity	847560109	20,510	1,000	SH	Other	0	1,000	0	0
TARGET CORP	Equity	87612E106	1,459,903	30,182	SH	Sole	0	29,282	400	500
TARGET CORP	Equity	87612E106	29,022	600	SH	Other	0	600	0	0
3M CO	Equity	88579Y101	878,369	10,625	SH	Sole	0	10,625	0	0
3M CO	Equity	88579Y101	33,068	400	SH	Other	0	400	0	0
TOWNEBANK	Equity	89214P109	286,440	24,524	SH	Sole	0	24,524	0	0
TOWNEBANK	Equity	89214P109	7,218	618	SH	Other	0	0	0	618
UNITED TECHNOLOGIES	Equity	913017109	1,316,291	18,964	SH	Sole	0	18,664	300	0
UNITED TECHNOLOGIES	Equity	913017109	13,882	200	SH	Other	0	200	0	0
VERIZON COMMUNICATIONS	Equity	92343V104	2,971,562	89,694	SH	Sole	0	87,404	950	1,340
VERIZON COMMUNICATIONS	Equity	92343V104	148,422	4,480	SH	Other	0	2,700	0	1,780
WAL-MART STORES INC	Equity	931142103	276,230	5,168	SH	Sole	0	5,168	0	0
WALGREEN CO	Equity	931422109	1,518,372	41,350	SH	Sole	0	40,950	0	400
WALGREEN CO	Equity	931422109	18,360	500	SH	Other	0	500	0	0
ACCENTURE PLC CL A	Equity	G1151C101	2,421,899	58,359	SH	Sole	0	57,459	0	900
ACCENTURE PLC CL A	Equity	G1151C101	37,350	900	SH	Other	0	900	0	0
CDC CORP CL A	Equity	G2022L106	22,300	10,000	SH	Sole	0	10,000	0	0
NOBLE CORPORATION COM	Equity	H5833N103	2,296,172	56,417	SH	Sole	0	55,017	300	1,100
NOBLE CORPORATION COM	Equity	H5833N103	28,490	700	SH	Other	0	600	0	100