Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  McKernon Bryan Edwin
 2. Date of Event Requiring Statement (Month/Day/Year)
02/25/2005		 3. Issuer Name and Ticker or Trading Symbol
C & F FINANCIAL CORP [CFFI]
(Last)
(First)
(Middle)
1400 ALVERSER DRIVE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
_____ Officer (give title below) __X__ Other (specify below)
President of major subsidiary
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

MIDLOTHIAN, VA 23113		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
C&F Financial Corporation Common Stock 4,100
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Common Stock Option (Right to Buy) 12/15/2001 12/16/2008 C&F Financial Corporation Common Stock 2,500 $ 18.625 D  
Common Stock Option (Right to Buy) 12/21/2004 12/19/2009 C&F Financial Corporation Common Stock 2,500 $ 17 D  
Common Stock Option (Right to Buy) 12/17/2005 12/16/2010 C&F Financial Corporation Common Stock 2,500 $ 15.75 D  
Common Stock Option (Right to Buy) 12/18/2006 12/17/2011 C&F Financial Corporation Common Stock 3,000 $ 19.05 D  
Common Stock option (Right to Buy) 12/19/2007 12/18/2012 C&F Financial Corporation Common Stock 3,500 $ 22.75 D  
Common Stock Option (Right to Buy) 12/16/2008 12/15/2013 C&F Financial Corporation Common Stock 3,500 $ 42 D  
Common Stock Option (Right to Buy) 06/21/2005 12/21/2014 C&F Financial Corporation Common Stock 6,000 $ 39.29 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
McKernon Bryan Edwin
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113		       President of major subsidiary

Signatures

/S/ Bryan E. McKernon 03/07/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

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