================================================================================



                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   ___________


                                    FORM 8-K


                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                          Date of Report: June 29, 2000
                        (Date of earliest event reported)



                        SOUTHERN FINANCIAL BANCORP, INC.
             (Exact Name of Registrant as Specified in its Charter)



          Virginia                      000-22836                 54-1779978
(State or Other Jurisdiction     (Commission File Number)       (IRS Employer
      of Incorporation)                                      Identification No.)

              37 East Main Street                           20186
              Warrenton, Virginia                        (Zip Code)
    (Address of Principal Executive Offices)



               Registrant's telephone number, including area code:
                                 (540) 349-3900



================================================================================


<PAGE>

Item 5.      Other Events.

         The  press  release  issued  by the  Registrant  on June  29,  2000 and
attached hereto as Exhibit 99 is incorporated herein by reference.


Item 7.      Financial Statements, Pro Forma Financial Information and Exhibits.

       (c)   Exhibits.

             99   Press release issued by the Registrant on June 29, 2000.









                                      -2-
<PAGE>

                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended,  the  Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.


                                      SOUTHERN FINANCIAL BANCORP, INC.
                                               (Registrant)



Date: June 29, 2000                   By: /s/ David de Give
                                          -----------------------------------
                                          David de Give
                                          Senior Vice President and Treasurer





<PAGE>

                                  Exhibit Index
                                  -------------


Number                 Document
------                 --------

99           Press release issued by the Registrant on June 29, 2000.
[{"type": "8-K", "sequence": "1", "filename": "0001.txt", "description": "8-K - SOUTHERN FINANCIAL BANCORP, INC.", "secsgml_size_bytes": 2657}]
{"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": "8-K", "act": "34", "file-number": "000-22836", "film-number": "666102"}, "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"}}
================================================================================

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   ___________

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

                          Date of Report: June 29, 2000
                        (Date of earliest event reported)

                        SOUTHERN FINANCIAL BANCORP, INC.
             (Exact Name of Registrant as Specified in its Charter)

          Virginia                      000-22836                 54-1779978
(State or Other Jurisdiction     (Commission File Number)       (IRS Employer
      of Incorporation)                                      Identification No.)

              37 East Main Street                           20186
              Warrenton, Virginia                        (Zip Code)
    (Address of Principal Executive Offices)

               Registrant's telephone number, including area code:
                                 (540) 349-3900

================================================================================
Item 5.      Other Events.

         The  press  release  issued  by the  Registrant  on June  29,  2000 and
attached hereto as Exhibit 99 is incorporated herein by reference.

Item 7.      Financial Statements, Pro Forma Financial Information and Exhibits.

       (c)   Exhibits.

             99   Press release issued by the Registrant on June 29, 2000.

                                      -2-
SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended,  the  Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.

                                      SOUTHERN FINANCIAL BANCORP, INC.
                                               (Registrant)

Date: June 29, 2000                   By: /s/ David de Give
                                          -----------------------------------
                                          David de Give
                                          Senior Vice President and Treasurer
Exhibit Index
                                  -------------

Number                 Document
------                 --------

99           Press release issued by the Registrant on June 29, 2000.