Old Point Financial Corporation (NASDAQ:OPOF)

Old Point Financial Corporation operates as the holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services. It offers deposit products, such as savings accounts, interest-bearing transaction accounts, money market deposit accounts, and time deposits. The company also provides commercial, real estate construction, real estate mortgage, consumer, and other loans, as well as cash management services. In addition, Old Point Financial Corporation, through its other subsidiary, Old Point Trust and Financial Services, N.A., provides wealth management services, which include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services, and investment management services for individuals and businesses. As of March 31, 2012, it had 21 branches in Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County, as well as approximately 60 ATMs. The company was founded in 1922 and is headquartered in Hampton, Virginia