Form 13F Holdings Report
        UNITED STATES
	SECURITIES AND EXCHANGE COMMISSION
	Washington, D.C.  20549
	FORM 13F
	FORM 13F COVER PAGE
	Report for the Calendar Year or Quarter 	March 31, 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 Jeffereson 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 March 31, 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 	61
Form 13F Information Table Value 	$108,572,282
List of Other Managers: NONE



13 F Report Of Managed Assets
	As Of Date : 3/31/2010
	Market 	SH/	Investment	Other	Voting Authority
Name Of Issuer	Type	Cusip	Value	Shares/PV	PRN	Discretion	Mgrs	Sole	Shared	None
 	 	 		 				
AFLAC INC	Equity	001055102	217,160	4,000	SH	Sole	0	4,000	0	0
AT&T INC	Equity	00206R102	3,304,109	127,868	SH	Sole	0	123,728	1,230	2,910
AT&T INC	Equity	00206R102	65,685	2,542	SH	Defined	0	1,991	0	551
ABBOTT LABORATORIES	Equity	002824100	234,584	4,453	SH	Sole	0	4,453	0	0
ALTRIA GROUP INC	Equity	02209S103	323,641	15,772	SH	Sole	0	15,172	0	600
ALTRIA GROUP INC	Equity	02209S103	21,546	1,050	SH	Defined	0	1,050	0	0
B B & T CORP	Equity	054937107	1,404,592	43,365	SH	Sole	0	42,765	0	600
B B & T CORP	Equity	054937107	207,847	6,417	SH	Defined	0	1,767	0	4,650
BAKER HUGHES INC	Equity	057224107	2,672,222	57,050	SH	Sole	0	55,650	300	1,100
BAKER HUGHES INC	Equity	057224107	42,156	900	SH	Defined	0	800	0	100
BANK OF AMERICA CORP	Equity	060505104	437,432	24,506	SH	Sole	0	24,506	0	0
BANK OF AMERICA CORP	Equity	060505104	17,993	1,008	SH	Defined	0	0	0	1,008
BAXTER INTL INC	Equity	071813109	2,656,830	45,650	SH	Sole	0	44,550	300	800
BAXTER INTL INC	Equity	071813109	34,920	600	SH	Defined	0	600	0	0
CATERPILLAR INC	Equity	149123101	458,805	7,300	SH	Sole	0	7,300	0	0
CHEVRON CORP	Equity	166764100	279,434	3,685	SH	Sole	0	3,685	0	0
CHEVRON CORP	Equity	166764100	47,773	630	SH	Defined	0	630	0	0
CISCO SYSTEMS	Equity	17275R102	1,817,779	69,834	SH	Sole	0	68,076	500	1,258
CISCO SYSTEMS	Equity	17275R102	26,030	1,000	SH	Defined	0	1,000	0	0
COCA-COLA CO	Equity	191216100	2,145,660	39,012	SH	Sole	0	38,212	300	500
COCA-COLA CO	Equity	191216100	33,000	600	SH	Defined	0	600	0	0
CONOCOPHILLIPS	Equity	20825C104	3,457,966	67,578	SH	Sole	0	66,046	532	1,000
CONOCOPHILLIPS	Equity	20825C104	51,170	1,000	SH	Defined	0	1,000	0	0
DOMINION RESOURCES INC VA 	Equity	25746U109	2,972,253	72,300	SH	Sole	0	70,702	400	1,198

DOMINION RESOURCES INC VA 	Equity	25746U109	76,054	1,850	SH	Defined	0	1,850	0	0
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	2,435,496	65,400	SH	Sole	0	63,500	400	1,500
DUPONT E.I., DENEMOURS & CO.	Equity	263534109	85,652	2,300	SH	Defined	0	1,100	0	1,200
EATON CORP	Equity	278058102	744,440	9,825	SH	Sole	0	9,625	0	200
EATON CORP	Equity	278058102	15,154	200	SH	Defined	0	200	0	0
EMERSON ELECTRIC CO	Equity	291011104	466,450	9,266	SH	Sole	0	9,266	0	0
EXXON MOBIL CORPORATION	Equity	30231G102	4,773,665	71,270	SH	Sole	0	70,006	400	864
EXXON MOBIL CORPORATION	Equity	30231G102	254,524	3,800	SH	Defined	0	600	0	3,200
F P L GROUP INC	Equity	302571104	1,867,955	38,650	SH	Sole	0	37,450	200	1,000
F P L GROUP INC	Equity	302571104	48,330	1,000	SH	Defined	0	1,000	0	0
FOREST LABORATORIES INC	Equity	345838106	644,981	20,567	SH	Sole	0	19,867	300	400
FOREST LABORATORIES INC	Equity	345838106	6,272	200	SH	Defined	0	200	0	0
GENERAL ELECTRIC CO	Equity	369604103	3,045,042	167,310	SH	Sole	0	164,320	600	2,390
GENERAL ELECTRIC CO	Equity	369604103	214,833	11,804	SH	Defined	0	2,900	0	8,904
HEWLETT PACKARD CO.	Equity	428236103	2,957,904	55,652	SH	Sole	0	54,652	400	600
HEWLETT PACKARD CO.	Equity	428236103	31,890	600	SH	Defined	0	600	0	0
HONEYWELL INTERNATIONAL INC	Equity	438516106	1,379,920	30,482	SH	Sole	0	29,482	500	500
HONEYWELL INTERNATIONAL INC	Equity	438516106	18,108	400	SH	Defined	0	400	0	0
INTEL CORP	Equity	458140100	2,168,594	97,290	SH	Sole	0	95,390	200	1,700
INTEL CORP	Equity	458140100	27,751	1,245	SH	Defined	0	1,200	0	45
INTERNATIONAL BUSINESS 	Equity	459200101	1,153,481	8,994	SH	Sole	0	8,894	0	100
INTERNATIONAL BUSINESS 	Equity	459200101	25,650	200	SH	Defined	0	200	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	348,896	3,200	SH	Sole	0	3,200	0	0
ISHARES COMEX GOLD TRUST	Equity	464285105	10,903	100	SH	Defined	0	100	0	0
JOHNSON & JOHNSON	Equity	478160104	8,297,808	127,267	SH	Sole	0	125,667	500	1,100
JOHNSON & JOHNSON	Equity	478160104	52,160	800	SH	Defined	0	800	0	0
KIMBERLY CLARK CORP	Equity	494368103	1,307,904	20,800	SH	Sole	0	20,300	300	200
KIMBERLY CLARK CORP	Equity	494368103	6,288	100	SH	Defined	0	100	0	0
KRAFT FOODS INC-A	Equity	50075N104	318,669	10,538	SH	Sole	0	10,538	0	0
KRAFT FOODS INC-A	Equity	50075N104	21,954	726	SH	Defined	0	726	0	0
LOCKHEED MARTIN CORP	Equity	539830109	1,718,826	20,654	SH	Sole	0	20,304	150	200
LOCKHEED MARTIN CORP	Equity	539830109	16,644	200	SH	Defined	0	200	0	0
MARATHON OIL CORP	Equity	565849106	2,357,180	74,500	SH	Sole	0	72,900	500	1,100
MARATHON OIL CORP	Equity	565849106	31,640	1,000	SH	Defined	0	900	0	100
MEDTRONIC INC	Equity	585055106	405,270	9,000	SH	Sole	0	8,600	0	400
MERCK & CO INC NEW	Equity	58933Y105	1,064,214	28,493	SH	Sole	0	28,032	0	461
MERCK & CO INC NEW	Equity	58933Y105	26,145	700	SH	Defined	0	700	0	0
MICROSOFT CORP.	Equity	594918104	2,063,480	70,456	SH	Sole	0	69,200	600	656
MICROSOFT CORP.	Equity	594918104	29,288	1,000	SH	Defined	0	1,000	0	0
MONACO COACH CORP	Equity	60886R103	688	55,000	SH	Sole	0	55,000	0	0
NORFOLK SOUTHERN CORP.	Equity	655844108	2,812,944	50,330	SH	Sole	0	49,466	300	564
NORFOLK SOUTHERN CORP.	Equity	655844108	108,986	1,950	SH	Defined	0	600	0	1,350
OLD POINT FINANCIAL 	Equity	680194107	7,463,468	505,655	SH	Sole	0	457,858	0	47,797
OLD POINT FINANCIAL 	Equity	680194107	326,970	22,152	SH	Defined	0	16,596	0	5,556

PPG INDUSTRIES, INC.	Equity	693506107	383,113	5,858	SH	Sole	0	5,858	0	0
PEPSICO INC	Equity	713448108	3,931,426	59,423	SH	Sole	0	57,923	400	1,100
PEPSICO INC	Equity	713448108	148,992	2,252	SH	Defined	0	900	0	1,352
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	817,763	47,683	SH	Sole	0	47,683	0	0
PFIZER, INC W/RIGHTS 10/5/07	Equity	717081103	83,898	4,892	SH	Defined	0	1,892	0	3,000
PHILIP MORRIS INTERNATIONAL	Equity	718172109	821,781	15,755	SH	Sole	0	15,155	0	600
PHILIP MORRIS INTERNATIONAL	Equity	718172109	54,768	1,050	SH	Defined	0	1,050	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	225,678	5,800	SH	Sole	0	5,800	0	0
PLUM CREEK TIMBER CO INC COM	Equity	729251108	31,128	800	SH	Defined	0	800	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	1,181,855	21,500	SH	Sole	0	21,500	0	0
T ROWE PRICE GROUP INC	Equity	74144T108	21,988	400	SH	Defined	0	400	0	0
PROCTER & GAMBLE CO.	Equity	742718109	3,471,372	54,866	SH	Sole	0	53,266	300	1,300
PROCTER & GAMBLE CO.	Equity	742718109	167,412	2,646	SH	Defined	0	400	0	2,246
RAYTHEON COMPANY	Equity	755111507	3,708,516	64,925	SH	Sole	0	63,625	400	900
RAYTHEON COMPANY	Equity	755111507	51,408	900	SH	Defined	0	900	0	0
CHARLES SCHWAB CORP NEW	Equity	808513105	798,063	42,700	SH	Sole	0	41,900	0	800
SMITHFIELD FOODS, INC.	Equity	832248108	207,400	10,000	SH	Sole	0	10,000	0	0
SOUTHERN CO	Equity	842587107	970,726	29,274	SH	Sole	0	28,274	100	900
SOUTHERN CO	Equity	842587107	46,424	1,400	SH	Defined	0	1,400	0	0
SPECTRA ENERGY CORP	Equity	847560109	2,391,560	106,150	SH	Sole	0	103,750	500	1,900
SPECTRA ENERGY CORP	Equity	847560109	24,783	1,100	SH	Defined	0	1,100	0	0
SYSCO CORP	Equity	871829107	893,850	30,300	SH	Sole	0	29,500	300	500
SYSCO CORP	Equity	871829107	17,700	600	SH	Defined	0	600	0	0
TARGET CORP	Equity	87612E106	1,598,093	30,382	SH	Sole	0	29,582	300	500
TARGET CORP	Equity	87612E106	31,560	600	SH	Defined	0	600	0	0
3M CO	Equity	88579Y101	887,931	10,625	SH	Sole	0	10,625	0	0
3M CO	Equity	88579Y101	33,428	400	SH	Defined	0	400	0	0
TOWNEBANK	Equity	89214P109	173,439	12,424	SH	Sole	0	12,424	0	0
TOWNEBANK	Equity	89214P109	8,627	618	SH	Defined	0	0	0	618
UNITED TECHNOLOGIES	Equity	913017109	1,438,487	19,542	SH	Sole	0	19,242	300	0
UNITED TECHNOLOGIES	Equity	913017109	14,722	200	SH	Defined	0	200	0	0
VERIZON COMMUNICATIONS	Equity	92343V104	2,864,511	92,344	SH	Sole	0	90,204	800	1,340
VERIZON COMMUNICATIONS	Equity	92343V104	126,562	4,080	SH	Defined	0	2,300	0	1,780
WAL-MART STORES INC	Equity	931142103	287,341	5,168	SH	Sole	0	5,168	0	0
WALGREEN CO	Equity	931422109	1,544,799	41,650	SH	Sole	0	41,250	0	400
WALGREEN CO	Equity	931422109	18,545	500	SH	Defined	0	500	0	0
WESTERN REFINING INC	Equity	959319104	55,000	10,000	SH	Sole	0	10,000	0	0
ACCENTURE PLC CL A	Equity	G1151C101	2,385,235	56,859	SH	Sole	0	56,259	0	600
ACCENTURE PLC CL A	Equity	G1151C101	37,755	900	SH	Defined	0	900	0	0
CDC CORP CL A	Equity	G2022L106	29,500	10,000	SH	Sole	0	10,000	0	0
NOBLE CORPORATION COM	Equity	H5833N103	2,392,815	57,217	SH	Sole	0	55,817	300	1,100
NOBLE CORPORATION COM	Equity	H5833N103	29,274	700	SH	Defined	0	600	0	100