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<P align="center"><FONT size="2">As filed with the Securities and Exchange Commission on November&nbsp;7, 2003
</FONT>
<P align="right"><FONT size="2"><B>Registration No.&nbsp;333-_________</B>
</FONT>


<P>
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<P align="center"><FONT size="2"><FONT size="4"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B></FONT><BR>
<FONT size="3">Washington, D.C. 20549</FONT>
</FONT>
<P align="center"><HR size="1" noshade width="26%">


<P align="center"><FONT size="2"><FONT size="5"><B>FORM S-8</B></FONT><BR>
<FONT size="3">REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</FONT>
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="6"><B>SOUTHERN FINANCIAL BANCORP, INC.</B>
</FONT>

<DIV align="center"><FONT size="2">(Exact name of registrant as specified in its charter)</FONT></DIV>


<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="55%">

<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2"><B>Virginia</B><BR>
(State or other jurisdiction of<BR>
incorporation or organization)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<B>54-1779978</B><BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><HR size="1" noshade width="26%">

<P align="center"><FONT size="2"><B>37 East Main Street<BR>
Warrenton, Virginia 20186<BR>
(540)&nbsp;349-3900</B><BR>
(Address of Principal Executive Offices Including Zip Code)
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="3"><B>Southern Financial Bancorp, Inc.<BR>
2003 Stock Incentive Plan</B><BR>
(Full title of Plan)
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="2"><B>Georgia S. Derrico<BR>
Southern Financial Bancorp, Inc.<BR>
37 East Main Street<BR>
Warrenton, Virginia 20186</B><BR>
(Name and address of agent for service)
</FONT>
<P align="center"><FONT size="2"><B>(540)&nbsp;349-3900</B><BR>
(Telephone number, including area code, of agent for service)
</FONT>
<P align="center"><FONT size="2"><I>Copy to:</I>
</FONT>
<P align="center"><FONT size="2"><B>Charlotte M. Rasche<BR>
Bracewell &#038; Patterson, L.L.P.<BR>
South Tower Pennzoil Place<BR>
711 Louisiana Street, Suite&nbsp;2900<BR>
Houston, Texas 77002-2781<BR>
(713)&nbsp;223-2900</B>
</FONT>
<P align="center"><HR size="1" noshade width="26%">
<P align="center"><FONT size="2">CALCULATION OF REGISTRATION FEE
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="28%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount of</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Title of Securities</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount to be</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Offering Price</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Aggregate Offering</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registration</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>to be Registered</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registered(1)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Per Share(1)(2)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Price(2)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Fee</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="2">Common Stock,
$0.01 par value</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="center"><FONT size="2">165,000 shares</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">42.91</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">7,080,150</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right"><FONT size="2">$</FONT></TD>
    <TD align="right"><FONT size="2">572.79</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="4%" nowrap align="left"><FONT size="2">(1)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">This Registration Statement shall also include an indeterminate number of
additional shares of Common Stock which may be offered and issued pursuant
to the antidilution provisions of the Southern Financial Bancorp, Inc.
2003 Stock Incentive Plan (the &#147;Plan&#148;).
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="4%" nowrap align="left"><FONT size="2">(2)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">Estimated solely for purposes of calculating the registration fee in
accordance with Rule&nbsp;457(h), based upon the average of the high and low
prices of Common Stock on November&nbsp;5, 2003, as reported on the Nasdaq
National Market System, of $42.91.
</FONT></TD>
</TR>
</TABLE>

<P align="center"><FONT size="2">&nbsp;
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<!-- TOC -->
<A name="toc"><DIV align="CENTER"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

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</TR>
<TR><TD colspan="9"><A HREF="#000">PART I.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">Item&nbsp;1. Plan Information.*</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">Item&nbsp;2. Registrant Information and Employee Plan Annual Information.*</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">PART II.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">Item&nbsp;3. Incorporation of Documents by Reference.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">Item&nbsp;4. Description of Securities.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">Item&nbsp;5. Interests of Named Experts and Counsel.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">Item&nbsp;6. Indemnification of Directors and Officers.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">Item&nbsp;7. Exemption from Registration Claimed.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#009">Item&nbsp;8. Exhibits.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#010">Item&nbsp;9. Undertakings.</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012">INDEX TO EXHIBITS</A></TD></TR>
<TR><TD colspan="9"><A HREF="h10254exv4w3.htm">2003 Stock Incentive Plan</A></TD></TR>
<TR><TD colspan="9"><A HREF="h10254exv5w1.htm">Opinion of Bracewell & Patterson, L.L.P.</A></TD></TR>
<TR><TD colspan="9"><A HREF="h10254exv23w1.htm">Consent of KPMG LLP</A></TD></TR>
</TABLE>
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<!-- link1 "PART I." -->
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<P align="center"><FONT size="2"><B>PART I.</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</B>
</FONT>

<!-- link2 "Item&nbsp;1. Plan Information.*" -->
<DIV align="left"><A NAME="001"></A></DIV>
<DIV align="left"><A name="a001"></A></DIV>

<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
</TR>
<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;1.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Plan Information.*
</FONT></TD>
</TR>
</TABLE>
<DIV>&nbsp;</DIV>
<!-- link2 "Item&nbsp;2. Registrant Information and Employee Plan Annual Information.*" -->
<DIV align="left"><A NAME="002"></A></DIV>
<DIV align="left"><A name="a002"></A></DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
</TR>
<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;2.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Registrant Information and Employee Plan Annual Information.*
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">* The information required by Items 1 and 2 of Part&nbsp;I of Form S-8 is omitted
from this Registration Statement in accordance with the Note to Part&nbsp;1 of Form
S-8 and Rule&nbsp;428 promulgated under the Securities Act of 1933, as amended (the
&#147;Securities Act&#148;).
</FONT>


<P align="center"><FONT size="2">&nbsp;
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<!-- link1 "PART II." -->
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<DIV align="left"><A name="a003"></A></DIV>
<P align="center"><FONT size="2"><B>PART II.</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</FONT>

<!-- link2 "Item&nbsp;3. Incorporation of Documents by Reference." -->
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<DIV>&nbsp;</DIV>
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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
</TR>
<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;3.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Incorporation of Documents by Reference.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed by Southern Financial Bancorp, Inc., a
Virginia corporation (the &#147;Company&#148;), (Commission File No.&nbsp;000-22836) with the
Securities and Exchange Commission (the &#147;Commission&#148;) are incorporated by
reference into this Registration Statement as of their respective dates:
</FONT>
<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The Company&#146;s Annual Report on Form 10-K for the fiscal year
ended December&nbsp;31, 2002;
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The Company&#146;s Quarterly Report on Form 10-Q for the quarter ended
March&nbsp;31, 2003;
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The Company&#146;s Quarterly Report on Form 10-Q for the quarter ended
June&nbsp;30, 2003;
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. The Company&#146;s Current Reports on Form 8-K filed on April&nbsp;25,
2003, July&nbsp;17, 2003, July&nbsp;25, 2003, October&nbsp;23, 2003 and November&nbsp;4,
2003; and
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The description of the common stock, par value $0.10 per share,
contained in &#147;Description of Southern Financial Common Stock&#148; in the
Company&#146;s Prospectus filed as part of the Registration Statement on Form
S-4, Registration No.&nbsp;333-39666, with the Commission on June&nbsp;19, 2000.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents filed by the Company pursuant to Sections&nbsp;13(a), 13(c), 14
and 15(d) of the Securities Exchange Act of 1934, as amended (the &#147;Exchange
Act&#148;), after the date of this Registration Statement and prior to the filing of
a post-effective amendment hereto which indicates that all securities offered
have been sold or which deregisters all such securities then remaining unsold,
shall be deemed to be incorporated herein by reference and to be a part hereof
from the date of filing such documents. Any statement contained herein or in
any document incorporated or deemed to be incorporated by reference herein
shall be deemed to be modified or superseded for purposes of this Registration
Statement to the extent that a statement contained in any other subsequently
filed document which also is or is deemed to be incorporated by reference
herein modifies or supersedes such statement. Any such statement so modified
or superseded shall not be deemed to constitute a part of this Registration
Statement, except as so modified or superseded.
</FONT>

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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;4.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Description of Securities.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel." -->
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<DIV>&nbsp;</DIV>
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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;5.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Interests of Named Experts and Counsel.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers." -->
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<DIV>&nbsp;</DIV>
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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;6.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Indemnification of Directors and Officers.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article&nbsp;10 of Chapter&nbsp;9 of Title 13.1 of the Code of Virginia of 1950, as
amended (the &#147;Code&#148;), permits a Virginia corporation to indemnify any director
or officer for reasonable expenses incurred in
</FONT>
<P align="center"><FONT size="2">II-1
</FONT>
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<P align="left"><FONT size="2">any legal proceeding in advance of final disposition of the proceeding, if
the director or officer furnishes the corporation a written statement of his
good faith belief that he has met the standard of conduct prescribed by the
Code, and a determination is made by the board of directors that such standard
has been met. In a proceeding by or in the right of the corporation, no
indemnification shall be made in respect of any matter as to which an officer
or director is adjudged to be liable to the corporation, unless the court in
which the proceeding took place determines that, despite such liability, such
person is reasonably entitled to indemnification in view of all the relevant
circumstances. In any other proceeding, no indemnification shall be made if the
director or officer is adjudged liable to the corporation on the basis that
personal benefit was improperly received by him. Corporations are given the
power to make any other or further indemnity, including advance of expenses, to
any director or officer that may be authorized by the articles of incorporation
or any bylaw made by the shareholders, or any resolution adopted, before or
after the event, by the shareholders, except an indemnity against willful
misconduct or a knowing violation of the criminal law. Unless limited by its
articles of incorporation, indemnification of a director or officer is
mandatory when he entirely prevails in the defense of any proceeding to which
he is a party because he is or was a director or officer.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Southern Financial&#146;s Articles of Incorporation, as amended, contain
provisions indemnifying the directors and officers of Southern Financial
against expenses and liabilities (including counsel fees) incurred in legal
proceedings to the fullest extent permitted by Virginia law.
</FONT>
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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;7.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Exemption from Registration Claimed.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</FONT>
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    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
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    <TD nowrap><FONT size="2">Item&nbsp;8.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Exhibits.
</FONT></TD>
</TR>
</TABLE>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="88%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.1<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Articles of Incorporation of Southern Financial Bancorp,
Inc., as amended (incorporated herein by reference to Exhibit&nbsp;3.1 to
Southern Financial&#146;s Registration Statement on Form&nbsp;S-4
(Registration No.&nbsp;33-95246 filed with the Securities and Exchange
Commission on August&nbsp;4, 1995)).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.2<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Bylaws of Southern Financial Bancorp, Inc. (incorporated
herein by reference to Exhibit&nbsp;3.2 to Southern Financial Bancorp,
Inc.&#146;s Registration Statement on Form&nbsp;S-4, (Registration No.
33-95246 filed with the Securities and Exchange Commission on August
4, 1995)).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.3*&#134;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Southern Financial Bancorp, Inc. 2003 Stock Incentive Plan.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">5.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Opinion of Bracewell &#038; Patterson, L.L.P. as to the validity
of the Common Stock registered hereunder.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">23.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Consent of KPMG LLP.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">23.2*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Consent of Bracewell &#038; Patterson, L.L.P. (included in the
opinion filed as Exhibit&nbsp;5.1 hereto).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">24.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Powers of Attorney (included on
signature page hereto).</FONT></TD>
</TR>
</TABLE>
</DIV>

<P>
<HR size="1" noshade width="18%" align="left">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
      <TD width="1%" nowrap align="left"><FONT size="2">*
</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Filed herewith.
</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="top">
      <TD width="1%" nowrap align="left"><FONT size="2">&#134;
</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Management contract or compensatory plan or arrangement.
</FONT></TD>
</TR>
</TABLE>

<P align="center"><FONT size="2">II-2
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<!-- link2 "Item&nbsp;9. Undertakings." -->
<DIV align="left"><A NAME="010"></A></DIV>
<DIV align="left"><A name="a010"></A></DIV>
<DIV>&nbsp;</DIV>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR>
    <TD width="7%"></TD>
    <TD width="1%"></TD>
    <TD width="92%"></TD>
</TR>
<TR valign="top">
    <TD nowrap><FONT size="2">Item&nbsp;9.
</FONT></TD>
    <TD><FONT size="2">&nbsp;&nbsp;</FONT></TD>
    <TD><FONT size="2">Undertakings.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The undersigned registrant hereby undertakes:
</FONT>
<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being
made of the securities registered hereby, a post-effective amendment to
this registration statement:
</FONT>

<P align="left" style="margin-left:6%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) To include any prospectus required by Section&nbsp;10(a)(3) of
the Securities Act of 1933;
</FONT>
<P align="left" style="margin-left:6%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) To reflect in the prospectus any facts or events arising
after the effective date of the registration statement (or the most
recent post-effective amendment thereof) which, individually or in
the aggregate, represent a fundamental change in the information
set forth in this registration statement. Notwithstanding the
foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed
that which was registered) and any deviation from the low or high
end of the estimated maximum offering range may be reflected in the
form of prospectus filed with the Commission pursuant to Rule
424(b) if, in the aggregate, the changes in volume and price
represent no more than a 20% change in the maximum aggregate
offering price set forth in the &#147;Calculation of Registration Fee&#148;
table in the effective registration statement;
</FONT>
<P align="left" style="margin-left:6%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) To include any material information with respect to the
plan of distribution not previously disclosed in this registration
statement or any material change to such information in this
registration statement;
</FONT>
<P align="left" style="margin-left:6%"><FONT size="2"><I>provided, however, </I>that the undertakings set forth in paragraphs
(a)(1)(i) and (a)(1)(ii) above do not apply if the information
required to be included in a post-effective amendment by those
paragraphs is contained in periodic reports filed by the registrant
pursuant to Section&nbsp;13 or Section 15(d) of the Securities Exchange
Act of 1934 that are incorporated by reference in this registration
statement.
</FONT>
<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment should be
deemed to be a new registration statement relating to the securities
offered therein, and the offering of such securities at that time shall
be deemed to be the initial bona fide offering thereof.
</FONT>

<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at
the termination of the offering.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;The undersigned registrant hereby undertakes that, for the purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant&#146;s annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934 that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;Insofar as indemnification for liabilities arising under the
Securities Act of 1933 may be permitted to directors, officers and controlling
persons of the registrant pursuant to the foregoing provisions, or otherwise,
the registrant has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed
in the Act and is,
</FONT>
<P align="center"><FONT size="2">II-3
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="left"><FONT size="2">therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer or controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.
</FONT>


<P align="center"><FONT size="2">II-4
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="011"></A></DIV>
<DIV align="left"><A name="a011"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Pursuant to the requirements of the Securities Act of 1933, as amended,
the Registrant certifies that it has reasonable grounds to believe that it
meets all of the requirements for filing on </B><B>Form S-8</B><B> and has duly caused this
Registration Statement or amendment to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Warrenton, Commonwealth
of Virginia on November&nbsp;7, 2003.</B>
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="43%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" valign="top" align="left"><FONT size="2">SOUTHERN FINANCIAL BANCORP, INC.<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ Georgia S. Derrico</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Georgia S. Derrico<BR>
Chairman of the Board and<BR>
Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">II-5
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P align="center"><FONT size="2"><B>POWER OF ATTORNEY</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL
MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Georgia S. Derrico and R. Roderick Porter and
each of them to act without the other, his true and lawful attorney-in-fact and
agent, with full power of substitution, for him and in his name, place and
stead, in any and all capacities, to sign and file any and all amendments
(including post-effective amendments) to this registration statement with all
exhibits thereto, and all documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact and
agent, full power and authority to do and perform each and every other act on
behalf of the undersigned required to be done in connection therewith.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed by the following persons in the
capacities and on the date indicated.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="41%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="29%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Signature</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Title</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Date</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Georgia S. Derrico</FONT>
<HR size="1" noshade>
<FONT size="2">Georgia S. Derrico</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Chairman of the
Board and Chief
Executive Officer
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Patricia A. Ferrick</FONT>
<HR size="1" noshade>
<FONT size="2">Patricia A. Ferrick</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Senior Vice
President and Chief
Financial Officer
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ R. Roderick Porter</FONT>
<HR size="1" noshade>
<FONT size="2">R. Roderick Porter</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
President and Chief
Operating Officer
and Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ David de Give</FONT>
<HR size="1" noshade>
<FONT size="2">David de Give&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Senior Vice
President/Treasurer
and Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ John C. Belotti</FONT>
<HR size="1" noshade>
<FONT size="2">John C. Belotti</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Fred L. Bollerer</FONT>
<HR size="1" noshade>
<FONT size="2">Fred L. Bollerer</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Neil J. Call</FONT>
<HR size="1" noshade>
<FONT size="2">Neil J. Call</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Alfonso G. Finocchiaro</FONT>
<HR size="1" noshade>
<FONT size="2">Alfonso G. Finocchiaro</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Barbara J. Fried</FONT>
<HR size="1" noshade>
<FONT size="2">Barbara J. Fried</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">II-6
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="41%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="29%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="center"><FONT size="1"><B>Signature</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Title</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Date</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Virginia Jenkins</FONT>
<HR size="1" noshade>
<FONT size="2">Virginia Jenkins</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Michael P. Rucker</FONT>
<HR size="1" noshade>
<FONT size="2">Michael P. Rucker</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Richard E. Smith</FONT>
<HR size="1" noshade>
<FONT size="2">Richard E. Smith</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><FONT size="2">/s/ Robert P. Warhurst</FONT>
<HR size="1" noshade>
<FONT size="2">Robert P. Warhurst</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">November&nbsp;7, 2003</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">II-7
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<!-- link1 "INDEX TO EXHIBITS" -->
<DIV align="left"><A NAME="012"></A></DIV>
<DIV align="left"><A name="a012"></A></DIV>
<P align="center"><FONT size="2"><B>INDEX TO EXHIBITS</B>
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="88%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.1<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Articles of Incorporation of Southern Financial Bancorp,
Inc., as amended (incorporated herein by reference to Exhibit&nbsp;3.1 to
Southern Financial&#146;s Registration Statement on Form&nbsp;S-4
(Registration No.&nbsp;33-95246 filed with the Securities and Exchange
Commission on August&nbsp;4, 1995)).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.2<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Bylaws of Southern Financial Bancorp, Inc. (incorporated
herein by reference to Exhibit&nbsp;3.2 to Southern Financial Bancorp,
Inc.&#146;s Registration Statement on Form&nbsp;S-4, (Registration No.
33-95246 filed with the Securities and Exchange Commission on August
4, 1995)).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">4.3*&#134;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Southern Financial Bancorp, Inc. 2003 Stock Incentive Plan.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">5.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Opinion of Bracewell &#038; Patterson, L.L.P. as to the validity
of the Common Stock registered hereunder.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">23.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Consent of KPMG LLP.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">23.2*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Consent of Bracewell &#038; Patterson, L.L.P. (included in the
opinion filed as Exhibit&nbsp;5.1 hereto).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">24.1*<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">Powers of Attorney (included on signature page hereto).</FONT></TD>
</TR>
</TABLE>
</DIV>

<P>
<HR size="1" noshade width="18%" align="left">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
      <TD width="1%" nowrap align="left"><FONT size="2">*
</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Filed herewith.
</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="top">
      <TD width="1%" nowrap align="left"><FONT size="2">&#134;
</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Management contract or compensatory plan or arrangement.
</FONT></TD>
</TR>
</TABLE>

<P align="center"><FONT size="2">&nbsp;
</FONT>
</BODY>
</HTML>
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{"company-data": {"conformed-name": "SOUTHERN FINANCIAL BANCORP INC /VA/", "cik": "0000914789", "assigned-sic": "6035", "irs-number": "541779978", "state-of-incorporation": "VA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-110347", "film-number": "03986190"}, "business-address": {"street1": "37 EAST MAIN ST", "city": "WARRENTON", "state": "VA", "zip": "20186", "phone": "5403493900"}, "mail-address": {"street1": "37 EAST MAIN ST", "city": "WARRENTON", "state": "VA", "zip": "22186"}, "former-company": {"former-conformed-name": "SOUTHERN FINANCIAL FEDERAL SAVINGS BANK", "date-changed": "19931116"}}
sv8
As filed with the Securities and Exchange Commission on November 7, 2003
Registration No. 333-_________
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
SOUTHERN FINANCIAL BANCORP, INC.
(Exact name of registrant as specified in its charter)
Virginia
(State or other jurisdiction of
incorporation or organization)
54-1779978
(I.R.S. Employer
Identification No.)
37 East Main Street
Warrenton, Virginia 20186
(540) 349-3900
(Address of Principal Executive Offices Including Zip Code)
Southern Financial Bancorp, Inc.
2003 Stock Incentive Plan
(Full title of Plan)
Georgia S. Derrico
Southern Financial Bancorp, Inc.
37 East Main Street
Warrenton, Virginia 20186
(Name and address of agent for service)
(540) 349-3900
(Telephone number, including area code, of agent for service)
Copy to:
Charlotte M. Rasche
Bracewell & Patterson, L.L.P.
South Tower Pennzoil Place
711 Louisiana Street, Suite 2900
Houston, Texas 77002-2781
(713) 223-2900
CALCULATION OF REGISTRATION FEE
Proposed Maximum
Proposed Maximum
Amount of
Title of Securities
Amount to be
Offering Price
Aggregate Offering
Registration
to be Registered
Registered(1)
Per Share(1)(2)
Price(2)
Fee
Common Stock,
$0.01 par value
165,000 shares
$
42.91
$
7,080,150
$
572.79
(1)
This Registration Statement shall also include an indeterminate number of
additional shares of Common Stock which may be offered and issued pursuant
to the antidilution provisions of the Southern Financial Bancorp, Inc.
2003 Stock Incentive Plan (the "Plan").
(2)
Estimated solely for purposes of calculating the registration fee in
accordance with Rule 457(h), based upon the average of the high and low
prices of Common Stock on November 5, 2003, as reported on the Nasdaq
National Market System, of $42.91.
TABLE OF CONTENTS
PART I.
Item 1. Plan Information.*
Item 2. Registrant Information and Employee Plan Annual Information.*
PART II.
Item 3. Incorporation of Documents by Reference.
Item 4. Description of Securities.
Item 5. Interests of Named Experts and Counsel.
Item 6. Indemnification of Directors and Officers.
Item 7. Exemption from Registration Claimed.
Item 8. Exhibits.
Item 9. Undertakings.
SIGNATURES
INDEX TO EXHIBITS
2003 Stock Incentive Plan
Opinion of Bracewell & Patterson, L.L.P.
Consent of KPMG LLP
PART I.
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
Item 1.
Plan Information.*
Item 2.
Registrant Information and Employee Plan Annual Information.*
* The information required by Items 1 and 2 of Part I of Form S-8 is omitted
from this Registration Statement in accordance with the Note to Part 1 of Form
S-8 and Rule 428 promulgated under the Securities Act of 1933, as amended (the
"Securities Act").
PART II.
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of Documents by Reference.
The following documents filed by Southern Financial Bancorp, Inc., a
Virginia corporation (the "Company"), (Commission File No. 000-22836) with the
Securities and Exchange Commission (the "Commission") are incorporated by
reference into this Registration Statement as of their respective dates:
1. The Company's Annual Report on Form 10-K for the fiscal year
ended December 31, 2002;
2. The Company's Quarterly Report on Form 10-Q for the quarter ended
March 31, 2003;
3. The Company's Quarterly Report on Form 10-Q for the quarter ended
June 30, 2003;
4. The Company's Current Reports on Form 8-K filed on April 25,
2003, July 17, 2003, July 25, 2003, October 23, 2003 and November 4,
2003; and
5. The description of the common stock, par value $0.10 per share,
contained in "Description of Southern Financial Common Stock" in the
Company's Prospectus filed as part of the Registration Statement on Form
S-4, Registration No. 333-39666, with the Commission on June 19, 2000.
All documents filed by the Company pursuant to Sections 13(a), 13(c), 14
and 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange
Act"), after the date of this Registration Statement and prior to the filing of
a post-effective amendment hereto which indicates that all securities offered
have been sold or which deregisters all such securities then remaining unsold,
shall be deemed to be incorporated herein by reference and to be a part hereof
from the date of filing such documents. Any statement contained herein or in
any document incorporated or deemed to be incorporated by reference herein
shall be deemed to be modified or superseded for purposes of this Registration
Statement to the extent that a statement contained in any other subsequently
filed document which also is or is deemed to be incorporated by reference
herein modifies or supersedes such statement. Any such statement so modified
or superseded shall not be deemed to constitute a part of this Registration
Statement, except as so modified or superseded.
Item 4.
Description of Securities.
Not applicable.
Item 5.
Interests of Named Experts and Counsel.
Not applicable.
Item 6.
Indemnification of Directors and Officers.
Article 10 of Chapter 9 of Title 13.1 of the Code of Virginia of 1950, as
amended (the "Code"), permits a Virginia corporation to indemnify any director
or officer for reasonable expenses incurred in
II-1
any legal proceeding in advance of final disposition of the proceeding, if
the director or officer furnishes the corporation a written statement of his
good faith belief that he has met the standard of conduct prescribed by the
Code, and a determination is made by the board of directors that such standard
has been met. In a proceeding by or in the right of the corporation, no
indemnification shall be made in respect of any matter as to which an officer
or director is adjudged to be liable to the corporation, unless the court in
which the proceeding took place determines that, despite such liability, such
person is reasonably entitled to indemnification in view of all the relevant
circumstances. In any other proceeding, no indemnification shall be made if the
director or officer is adjudged liable to the corporation on the basis that
personal benefit was improperly received by him. Corporations are given the
power to make any other or further indemnity, including advance of expenses, to
any director or officer that may be authorized by the articles of incorporation
or any bylaw made by the shareholders, or any resolution adopted, before or
after the event, by the shareholders, except an indemnity against willful
misconduct or a knowing violation of the criminal law. Unless limited by its
articles of incorporation, indemnification of a director or officer is
mandatory when he entirely prevails in the defense of any proceeding to which
he is a party because he is or was a director or officer.
Southern Financial's Articles of Incorporation, as amended, contain
provisions indemnifying the directors and officers of Southern Financial
against expenses and liabilities (including counsel fees) incurred in legal
proceedings to the fullest extent permitted by Virginia law.
Item 7.
Exemption from Registration Claimed.
Not applicable.
Item 8.
Exhibits.
4.1
Articles of Incorporation of Southern Financial Bancorp,
Inc., as amended (incorporated herein by reference to Exhibit 3.1 to
Southern Financial's Registration Statement on Form S-4
(Registration No. 33-95246 filed with the Securities and Exchange
Commission on August 4, 1995)).
4.2
Bylaws of Southern Financial Bancorp, Inc. (incorporated
herein by reference to Exhibit 3.2 to Southern Financial Bancorp,
Inc.'s Registration Statement on Form S-4, (Registration No.
33-95246 filed with the Securities and Exchange Commission on August
4, 1995)).
4.3*†
Southern Financial Bancorp, Inc. 2003 Stock Incentive Plan.
5.1*
Opinion of Bracewell & Patterson, L.L.P. as to the validity
of the Common Stock registered hereunder.
23.1*
Consent of KPMG LLP.
23.2*
Consent of Bracewell & Patterson, L.L.P. (included in the
opinion filed as Exhibit 5.1 hereto).
24.1*
Powers of Attorney (included on
signature page hereto).
*
Filed herewith.
†
Management contract or compensatory plan or arrangement.
II-2
Item 9.
Undertakings.
(a) The undersigned registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being
made of the securities registered hereby, a post-effective amendment to
this registration statement:
(i) To include any prospectus required by Section 10(a)(3) of
the Securities Act of 1933;
(ii) To reflect in the prospectus any facts or events arising
after the effective date of the registration statement (or the most
recent post-effective amendment thereof) which, individually or in
the aggregate, represent a fundamental change in the information
set forth in this registration statement. Notwithstanding the
foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed
that which was registered) and any deviation from the low or high
end of the estimated maximum offering range may be reflected in the
form of prospectus filed with the Commission pursuant to Rule
424(b) if, in the aggregate, the changes in volume and price
represent no more than a 20% change in the maximum aggregate
offering price set forth in the "Calculation of Registration Fee"
table in the effective registration statement;
(iii) To include any material information with respect to the
plan of distribution not previously disclosed in this registration
statement or any material change to such information in this
registration statement;
provided, however,
that the undertakings set forth in paragraphs
(a)(1)(i) and (a)(1)(ii) above do not apply if the information
required to be included in a post-effective amendment by those
paragraphs is contained in periodic reports filed by the registrant
pursuant to Section 13 or Section 15(d) of the Securities Exchange
Act of 1934 that are incorporated by reference in this registration
statement.
(2) That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment should be
deemed to be a new registration statement relating to the securities
offered therein, and the offering of such securities at that time shall
be deemed to be the initial bona fide offering thereof.
(3) To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at
the termination of the offering.
(b) The undersigned registrant hereby undertakes that, for the purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934 that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
(c) Insofar as indemnification for liabilities arising under the
Securities Act of 1933 may be permitted to directors, officers and controlling
persons of the registrant pursuant to the foregoing provisions, or otherwise,
the registrant has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed
in the Act and is,
II-3
therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer or controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by
such director, officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.
II-4
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, as amended,
the Registrant certifies that it has reasonable grounds to believe that it
meets all of the requirements for filing on
Form S-8
and has duly caused this
Registration Statement or amendment to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Warrenton, Commonwealth
of Virginia on November 7, 2003.
SOUTHERN FINANCIAL BANCORP, INC.
(Registrant)
By:
/s/ Georgia S. Derrico
Georgia S. Derrico
Chairman of the Board and
Chief Executive Officer
II-5
POWER OF ATTORNEY
KNOW ALL
MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Georgia S. Derrico and R. Roderick Porter and
each of them to act without the other, his true and lawful attorney-in-fact and
agent, with full power of substitution, for him and in his name, place and
stead, in any and all capacities, to sign and file any and all amendments
(including post-effective amendments) to this registration statement with all
exhibits thereto, and all documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact and
agent, full power and authority to do and perform each and every other act on
behalf of the undersigned required to be done in connection therewith.
Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed by the following persons in the
capacities and on the date indicated.
Signature
Title
Date
/s/ Georgia S. Derrico
Georgia S. Derrico
Chairman of the
Board and Chief
Executive Officer
November 7, 2003
/s/ Patricia A. Ferrick
Patricia A. Ferrick
Senior Vice
President and Chief
Financial Officer
November 7, 2003
/s/ R. Roderick Porter
R. Roderick Porter
President and Chief
Operating Officer
and Director
November 7, 2003
/s/ David de Give
David de Give
Senior Vice
President/Treasurer
and Director
November 7, 2003
/s/ John C. Belotti
John C. Belotti
Director
November 7, 2003
/s/ Fred L. Bollerer
Fred L. Bollerer
Director
November 7, 2003
/s/ Neil J. Call
Neil J. Call
Director
November 7, 2003
/s/ Alfonso G. Finocchiaro
Alfonso G. Finocchiaro
Director
November 7, 2003
/s/ Barbara J. Fried
Barbara J. Fried
Director
November 7, 2003
II-6
Signature
Title
Date
/s/ Virginia Jenkins
Virginia Jenkins
Director
November 7, 2003
/s/ Michael P. Rucker
Michael P. Rucker
Director
November 7, 2003
/s/ Richard E. Smith
Richard E. Smith
Director
November 7, 2003
/s/ Robert P. Warhurst
Robert P. Warhurst
Director
November 7, 2003
II-7
INDEX TO EXHIBITS
4.1
Articles of Incorporation of Southern Financial Bancorp,
Inc., as amended (incorporated herein by reference to Exhibit 3.1 to
Southern Financial's Registration Statement on Form S-4
(Registration No. 33-95246 filed with the Securities and Exchange
Commission on August 4, 1995)).
4.2
Bylaws of Southern Financial Bancorp, Inc. (incorporated
herein by reference to Exhibit 3.2 to Southern Financial Bancorp,
Inc.'s Registration Statement on Form S-4, (Registration No.
33-95246 filed with the Securities and Exchange Commission on August
4, 1995)).
4.3*†
Southern Financial Bancorp, Inc. 2003 Stock Incentive Plan.
5.1*
Opinion of Bracewell & Patterson, L.L.P. as to the validity
of the Common Stock registered hereunder.
23.1*
Consent of KPMG LLP.
23.2*
Consent of Bracewell & Patterson, L.L.P. (included in the
opinion filed as Exhibit 5.1 hereto).
24.1*
Powers of Attorney (included on signature page hereto).
*
Filed herewith.
†
Management contract or compensatory plan or arrangement.