POWER OF ATTORNEY

         The undersigned (the "Reporting Person") hereby constitutes and
appoints each of J. Todd Scruggs and Martin E. Waltemyer, signing singly, as the
Reporting Person's true and lawful attorney-in-fact to:

         (1) execute for and on behalf of the Reporting Person, in the Reporting
Person's capacity as an officer and/or director of Bank of the James Financial
Group, Inc. (the "Company"), Forms 3, 4 and 5 in accordance with Section 16(a)
of the Securities Exchange Act of 1934 and the rules thereunder;

         (2) do and perform any and all acts for and on behalf of the Reporting
Person which may be necessary or desirable to complete and execute any such Form
3, 4 or 5, complete and execute any amendment or amendments thereto, and timely
file such form with the United States Securities and Exchange Commission and any
stock exchange or similar authority; and

         (3) take any other action of any type whatsoever in connection with the
foregoing which, in the opinion of such attorney-in-fact, may be of benefit to,
in the best interest of, or legally required by, the Reporting Person, it being
understood that the documents executed by such attorney-in-fact on behalf of the
Reporting Person pursuant to this Power of Attorney shall be in such form and
shall contain such terms and conditions as such attorney-in-fact may approve in
such attorney-in-fact's discretion.

         The Reporting Person grants to each such attorney-in-fact full power
and authority to do and perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in the exercise of any of the rights
and powers herein granted, as fully to all intents and purposes as the Reporting
Person might or could do if personally present, with full power of substitution
or revocation, hereby ratifying and confirming all that such attorney-in-fact,
or such attorney-in-fact's substitute or substitutes, shall lawfully do or cause
to be done by virtue of this Power of Attorney and the rights and powers herein
granted. The Reporting Person acknowledges that the foregoing attorneys-in-fact,
in serving in such capacity at the request of the Reporting Person, are not
assuming, nor is the Company assuming, any of the Reporting Person's
responsibilities to comply with Section 16 of the Securities Exchange Act of
1934.

         This Power of Attorney shall remain in effect until the Reporting
Person is no longer required to file Forms 3, 4 and 5 with respect to the
Reporting Person's holdings of, and transactions in securities issued by, the
Company, unless earlier revoked by the Reporting Person in a signed writing
delivered to the attorneys-in-fact.

         IN WITNESS WHEREOF, the Reporting Person has caused this Power of
Attorney to be executed on December 31, 2003.


Sign here:  /s/ Richard R. Zechini
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Print Name: Richard R. Zechini
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