-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Lakh5wGD2syo7cXskN0mOYGx3iYe0STcjFA3lyXdA9KTobyI9VYzyviPWXTbfj6+
 HYMMXC/mPVbOYc1lY1uX/A==

<SEC-DOCUMENT>0001181431-05-014931.txt : 20050307
<SEC-HEADER>0001181431-05-014931.hdr.sgml : 20050307
<ACCEPTANCE-DATETIME>20050307170204
ACCESSION NUMBER:		0001181431-05-014931
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20050225
FILED AS OF DATE:		20050307
DATE AS OF CHANGE:		20050307

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			C & F FINANCIAL CORP
		CENTRAL INDEX KEY:			0000913341
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541680165
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		EIGHTH & MAIN STREETS
		STREET 2:		P O BOX 391
		CITY:			WEST POINT
		STATE:			VA
		ZIP:			23181
		BUSINESS PHONE:		8048432360

	MAIL ADDRESS:	
		STREET 1:		P O BOX 391
		CITY:			WEST POINT
		STATE:			VA
		ZIP:			23181

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			McKernon Bryan Edwin
		CENTRAL INDEX KEY:			0001319525

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23423
		FILM NUMBER:		05664601

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		804-858-8300

	MAIL ADDRESS:	
		STREET 1:		1400 ALVERSER DRIVE
		CITY:			MIDLOTHIAN
		STATE:			VA
		ZIP:			23113
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>rrd71630.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2005-02-25</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000913341</issuerCik>
        <issuerName>C &amp; F FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>CFFI</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001319525</rptOwnerCik>
            <rptOwnerName>McKernon Bryan Edwin</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1400 ALVERSER DRIVE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>MIDLOTHIAN</rptOwnerCity>
            <rptOwnerState>VA</rptOwnerState>
            <rptOwnerZipCode>23113</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>1</isOther>
            <otherText>President of major subsidiary</otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>C&amp;F Financial Corporation Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4100</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>18.625</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2001-12-15</value>
            </exerciseDate>
            <expirationDate>
                <value>2008-12-16</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>17.000</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2004-12-21</value>
            </exerciseDate>
            <expirationDate>
                <value>2009-12-19</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>15.750</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2005-12-17</value>
            </exerciseDate>
            <expirationDate>
                <value>2010-12-16</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>19.050</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2006-12-18</value>
            </exerciseDate>
            <expirationDate>
                <value>2011-12-17</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>22.750</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2007-12-19</value>
            </exerciseDate>
            <expirationDate>
                <value>2012-12-18</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>42.000</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-12-16</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-12-15</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock Option (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>39.290</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2005-06-21</value>
            </exerciseDate>
            <expirationDate>
                <value>2014-12-21</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>C&amp;F Financial Corporation Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>6000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <ownerSignature>
        <signatureName>/S/ Bryan E. McKernon</signatureName>
        <signatureDate>2005-03-07</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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