Old Point Financial Corporation is a holding company that conducts its operations through two subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (Trust). The Bank services individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2011, the Bank had 21 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers. Trust offers a full range of services for individuals and businesses. Its products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. The Bank�s total available-for-sale and held-to-maturity securities as of December 31, 2011, was $238.1 million. The Bank�s average total deposits were $683.7 million as of December 31, 2011.