UNITED STATES
	SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C.  20549
	FORM 13F
	FORM 13F COVER PAGE
	Report for the Calendar Year or Quarter 	September 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 Ave 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 September 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 	62
Form 13F Information Table Value 	$103,429,327
List of Other Managers: NONE



13 F Report Of Managed Assets
	As Of Date : 9/30/2010
	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	3,905,673	136,562	SH	Sole	0	132,322	1,230	3,010
AT&T INC	Equity	00206R102	72,701	2,542	SH	Defined	0	1,991	0	551
ABBOTT LABORATORIES	Equity	002824100	203,736	3,900	SH	Sole	0	3,900	0	0
ALTRIA GROUP INC	Equity	02209S103	369,235	15,372	SH	Sole	0	15,172	0	200
ALTRIA GROUP INC	Equity	02209S103	25,221	1,050	SH	Defined	0	1,050	0	0
AMERILITHIUM CORP	Equity	03077G106	2,950	10,000	SH	Sole	0	10,000	0	0
B B & T CORP	Equity	054937107	1,080,277	44,862	SH	Sole	0	44,262	0	600
B B & T CORP	Equity	054937107	154,521	6,417	SH	Defined	0	1,767	0	4,650
BAKER HUGHES INC	Equity	057224107	2,517,234	59,090	SH	Sole	0	57,690	300	1,100
BAKER HUGHES INC	Equity	057224107	38,340	900	SH	Defined	0	800	0	100
BANK OF AMERICA CORP	Equity	060505104	302,458	23,084	SH	Sole	0	23,084	0	0
BANK OF AMERICA CORP	Equity	060505104	13,207	1,008	SH	Defined	0	0	0	1,008
BAXTER INTL INC	Equity	071813109	2,336,359	48,970	SH	Sole	0	47,870	300	800
BAXTER INTL INC	Equity	071813109	38,168	800	SH	Defined	0	800	0	0
CATERPILLAR INC	Equity	149123101	590,100	7,500	SH	Sole	0	7,500	0	0
CHEVRON CORP	Equity	166764100	282,459	3,485	SH	Sole	0	3,485	0	0
CHEVRON CORP	Equity	166764100	51,062	630	SH	Defined	0	630	0	0
CISCO SYSTEMS	Equity	17275R102	1,634,025	74,613	SH	Sole	0	72,855	500	1,258
CISCO SYSTEMS	Equity	17275R102	24,090	1,100	SH	Defined	0	1,100	0	0
COCA-COLA CO	Equity	191216100	1,694,856	28,962	SH	Sole	0	28,362	0	600
COCA-COLA CO	Equity	191216100	35,112	600	SH	Defined	0	600	0	0
CONOCOPHILLIPS	Equity	20825C104	4,007,006	69,772	SH	Sole	0	68,040	532	1,200
CONOCOPHILLIPS	Equity	20825C104	57,430	1,000	SH	Defined	0	1,000	0	0
DOMINION RESOURCES INC VA 	Equity	25746U109	3,260,616	74,682	SH	Sole	0	72,884	400	1,398

DOMINION RESOURCES INC VA 	Equity	25746U109	80,771	1,850	SH	Defined	0	1,850	0	0
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	3,043,753	68,215	SH	Sole	0	66,215	400	1,600
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	102,626	2,300	SH	Defined	0	1,100	0	1,200
EATON CORP	Equity	278058102	690,854	8,375	SH	Sole	0	8,175	0	200
EMERSON ELECTRIC CO	Equity	291011104	453,719	8,616	SH	Sole	0	8,616	0	0
EXXON MOBIL CORPORATION	Equity	30231G102	4,249,545	68,774	SH	Sole	0	67,360	400	1,014
EXXON MOBIL CORPORATION	Equity	30231G102	234,802	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	602,114	19,467	SH	Sole	0	19,067	0	400
FOREST LABORATORIES INC	Equity	345838106	6,186	200	SH	Defined	0	200	0	0
FRONTIER COMMUNICATIONS CORP	Equity	35906A108	102,787	12,581	SH	Sole	0	12,044	192	345
FRONTIER COMMUNICATIONS CORP	Equity	35906A108	6,789	831	SH	Defined	0	552	0	279
GENERAL ELECTRIC CO	Equity	369604103	2,584,400	159,040	SH	Sole	0	155,800	600	2,640
GENERAL ELECTRIC CO	Equity	369604103	191,815	11,804	SH	Defined	0	2,900	0	8,904
HEWLETT PACKARD CO.	Equity	428236103	2,602,534	61,862	SH	Sole	0	60,862	400	600
HEWLETT PACKARD CO.	Equity	428236103	25,242	600	SH	Defined	0	600	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	284,819	6,482	SH	Sole	0	6,482	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	17,576	400	SH	Defined	0	400	0	0
INTEL CORP	Equity	458140100	2,078,189	108,239	SH	Sole	0	106,339	200	1,700
INTEL CORP	Equity	458140100	23,904	1,245	SH	Defined	0	1,200	0	45
INTERNATIONAL BUSINESS 	Equity	459200101	1,179,627	8,794	SH	Sole	0	8,694	0	100
INTERNATIONAL BUSINESS 	Equity	459200101	26,828	200	SH	Defined	0	200	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	455,680	35,600	SH	Sole	0	35,600	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	12,800	1,000	SH	Defined	0	1,000	0	0
JOHNSON & JOHNSON	Equity	478160104	7,953,000	128,357	SH	Sole	0	126,607	500	1,250
JOHNSON & JOHNSON	Equity	478160104	49,568	800	SH	Defined	0	800	0	0
KIMBERLY CLARK CORP	Equity	494368103	738,318	11,350	SH	Sole	0	11,050	0	300
KIMBERLY CLARK CORP	Equity	494368103	6,505	100	SH	Defined	0	100	0	0
KRAFT FOODS INC-A	Equity	50075N104	277,030	8,977	SH	Sole	0	8,977	0	0
KRAFT FOODS INC-A	Equity	50075N104	22,404	726	SH	Defined	0	726	0	0
LOCKHEED MARTIN CORP	Equity	539830109	1,413,055	19,824	SH	Sole	0	19,424	150	250
LOCKHEED MARTIN CORP	Equity	539830109	14,256	200	SH	Defined	0	200	0	0
MARATHON OIL CORP	Equity	565849106	2,623,506	79,260	SH	Sole	0	77,660	500	1,100
MARATHON OIL CORP	Equity	565849106	33,100	1,000	SH	Defined	0	900	0	100
MEDTRONIC INC	Equity	585055106	288,788	8,600	SH	Sole	0	8,200	0	400
MERCK & CO INC NEW	Equity	58933Y105	921,833	25,043	SH	Sole	0	24,582	0	461
MERCK & CO INC NEW	Equity	58933Y105	25,767	700	SH	Defined	0	700	0	0
MICROSOFT CORP.	Equity	594918104	1,624,569	66,336	SH	Sole	0	65,480	200	656
MICROSOFT CORP.	Equity	594918104	24,490	1,000	SH	Defined	0	1,000	0	0
MONACO COACH CORP	Equity	60886R103	380	55,000	SH	Sole	0	55,000	0	0
NEXTERA ENERGY INC	Equity	65339F101	2,271,870	41,770	SH	Sole	0	40,470	300	1,000
NEXTERA ENERGY INC	Equity	65339F101	54,390	1,000	SH	Defined	0	1,000	0	0
NORFOLK SOUTHERN CORP.	Equity	655844108	2,777,332	46,670	SH	Sole	0	45,806	300	564
NORFOLK SOUTHERN CORP.	Equity	655844108	116,045	1,950	SH	Defined	0	600	0	1,350

OLD POINT FINANCIAL 	Equity	680194107	5,808,602	495,192	SH	Sole	0	447,395	0	47,797
OLD POINT FINANCIAL 	Equity	680194107	242,819	20,701	SH	Defined	0	15,050	0	5,651
PPG INDUSTRIES, INC.	Equity	693506107	426,462	5,858	SH	Sole	0	5,858	0	0
PEPSICO INC	Equity	713448108	3,987,264	60,013	SH	Sole	0	58,413	400	1,200
PEPSICO INC	Equity	713448108	149,623	2,252	SH	Defined	0	900	0	1,352
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	825,585	48,083	SH	Sole	0	48,083	0	0
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	83,996	4,892	SH	Defined	0	1,892	0	3,000
PHILIP MORRIS INTERNATIONAL	Equity	718172109	882,595	15,755	SH	Sole	0	15,155	0	600
PHILIP MORRIS INTERNATIONAL	Equity	718172109	58,821	1,050	SH	Defined	0	1,050	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	204,740	5,800	SH	Sole	0	5,800	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	28,240	800	SH	Defined	0	800	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	881,144	17,600	SH	Sole	0	17,600	0	0
PROCTER & GAMBLE CO.	Equity	742718109	3,403,837	56,759	SH	Sole	0	55,059	300	1,400
PROCTER & GAMBLE CO.	Equity	742718109	158,681	2,646	SH	Defined	0	400	0	2,246
RAYTHEON COMPANY	Equity	755111507	2,985,320	65,310	SH	Sole	0	64,010	400	900
RAYTHEON COMPANY	Equity	755111507	41,139	900	SH	Defined	0	900	0	0
CHARLES SCHWAB CORP NEW	Equity	808513105	461,480	33,200	SH	Sole	0	32,400	0	800
SMITHFIELD FOODS, INC.	Equity	832248108	168,300	10,000	SH	Sole	0	10,000	0	0
SOUTHERN CO	Equity	842587107	1,341,161	36,014	SH	Sole	0	35,014	100	900
SOUTHERN CO	Equity	842587107	52,136	1,400	SH	Defined	0	1,400	0	0
SPECTRA ENERGY CORP	Equity	847560109	2,841,075	125,990	SH	Sole	0	123,290	700	2,000
SPECTRA ENERGY CORP	Equity	847560109	51,865	2,300	SH	Defined	0	1,500	0	800
SYSCO CORP	Equity	871829107	1,261,725	44,240	SH	Sole	0	43,440	300	500
SYSCO CORP	Equity	871829107	19,964	700	SH	Defined	0	700	0	0
TARGET CORP	Equity	87612E106	1,599,032	29,922	SH	Sole	0	28,972	300	650
TARGET CORP	Equity	87612E106	32,064	600	SH	Defined	0	600	0	0
3M CO	Equity	88579Y101	895,281	10,325	SH	Sole	0	10,325	0	0
3M CO	Equity	88579Y101	34,684	400	SH	Defined	0	400	0	0
TOWNEBANK	Equity	89214P109	191,847	12,824	SH	Sole	0	12,824	0	0
TOWNEBANK	Equity	89214P109	9,245	618	SH	Defined	0	0	0	618
UNITED TECHNOLOGIES	Equity	913017109	1,394,826	19,582	SH	Sole	0	19,582	0	0
UNITED TECHNOLOGIES	Equity	913017109	14,246	200	SH	Defined	0	200	0	0
VERIZON COMMUNICATIONS	Equity	92343V104	3,038,333	93,229	SH	Sole	0	90,989	800	1,440
VERIZON COMMUNICATIONS	Equity	92343V104	132,967	4,080	SH	Defined	0	2,300	0	1,780
WAL-MART STORES INC	Equity	931142103	289,971	5,418	SH	Sole	0	5,418	0	0
WALGREEN CO	Equity	931422109	1,641,165	48,990	SH	Sole	0	48,590	0	400
WALGREEN CO	Equity	931422109	20,100	600	SH	Defined	0	600	0	0
YUM! BRANDS INC	Equity	988498101	529,690	11,500	SH	Sole	0	11,500	0	0
YUM! BRANDS INC	Equity	988498101	18,424	400	SH	Defined	0	400	0	0
ACCENTURE PLC CL A	Equity	G1151C101	2,226,434	52,399	SH	Sole	0	51,699	0	700
ACCENTURE PLC CL A	Equity	G1151C101	38,241	900	SH	Defined	0	900	0	0
NOBLE CORPORATION COM	Equity	H5833N103	1,942,148	57,477	SH	Sole	0	56,027	300	1,150
NOBLE CORPORATION COM	Equity	H5833N103	23,653	700	SH	Defined	0	600	0	100