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<P style="margin:0pt; line-height:16pt; font-size:14pt" align=center><B>SECURITIES AND EXCHANCE COMMISSION</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Washington, D.C. &nbsp;20549</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>___________</P>
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<P style="margin:0pt; line-height:16pt; font-size:14pt" align=center><B>FORM 8-K</B></P>
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<P style="margin:0pt; line-height:16pt; font-size:14pt" align=center><B>CURRENT REPORT</B></P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Pursuant to Section 13 or 15(d) of the</B></P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>Date of Report: &nbsp;July 31, 2003</P>
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<P style="margin:0pt; line-height:20pt; font-size:18pt" align=center><B>CENTRAL VIRGINIA BANKSHARES, INC.</B></P>
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<TABLE align=center><TR><TD valign=top width=208><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(State or Other Jurisdiction</P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>of Incorporation)</P>
</TD><TD valign=top colspan=2><P style="margin:0pt; line-height:13pt; font-size:12pt" align=center><B>000-24002</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=208><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>54-1467806</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(IRS Employer</P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>Identification No.)</P>
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</TD><TD valign=top width=104>&nbsp;</TD><TD valign=top width=104>&nbsp;</TD><TD valign=top width=208>&nbsp;</TD></TR>
<TR><TD valign=top colspan=2><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>2036 New Dorset Road, P. O. Box 39</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Powhatan, Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Address of Principal Executive Offices)</P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>23139</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Zip Code)</P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>Registrant&#146;s telephone number, including area code:</P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>(804) 403-2000</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-size:12pt" align=justify><B>Item 7.</B></P>
<B><P style="margin:0pt; text-indent:72pt; line-height:14pt; font-size:12pt" align=justify>Financial Statements, <I>Pro Forma</I> Financial Information and Exhibits.</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>(c)</P>
<P style="margin:0pt; text-indent:72pt; line-height:14pt; font-size:12pt" align=justify>Exhibits.</P>
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<P style="margin:0pt; padding-left:72pt; line-height:14pt; font-size:12pt" align=justify>The following exhibit is furnished pursuant to Item 12 of this report and should not be deemed to be &#147;filed&#148; under the Securities Exchange Act of 1934, as amended.</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:72pt; line-height:14pt; font-size:12pt" align=justify><U>Exhibit No.</U></P>
<P style="margin:0pt; text-indent:144pt; line-height:14pt; font-size:12pt" align=justify><U>Description</U></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:144pt; text-indent:-54pt; line-height:14pt; font-size:12pt" align=justify>99</P>
<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:144pt; line-height:14pt; font-size:12pt" align=justify>Press Release issued by the Registrant dated July 31, 2003.</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:72pt; text-indent:-72pt; line-height:14pt; font-size:12pt" align=justify><B>Item 12.</B></P>
<P style="margin:0pt; padding-left:72pt; line-height:14pt; font-size:12pt" align=justify><B>Results of Operations and Financial Condition.</B></P>
<P style="margin:0pt; padding-left:72pt; text-indent:-72pt; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>On July 31, 2003, the Registrant issued a press release reporting its financial results for the period ended June 30, 2003. &nbsp;A copy of this press release is being furnished as Exhibit 99 and is incorporated by reference into Item 12.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>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.</P>
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<P style="margin:0pt; text-indent:216pt; line-height:14pt; font-size:12pt" align=justify><B>CENTRAL VIRGINIA BANKSHARES, INC.</B></P>
<P style="margin:0pt; padding-left:100pt; line-height:14pt; font-size:12pt" align=center>(Registrant)</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-size:12pt" align=justify>Date: &nbsp;August 5, 2003</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:216pt; line-height:14pt; font-size:12pt" align=justify>By: &nbsp;</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:243pt; line-height:14pt; font-size:12pt" align=justify><U>/s/ Charles F. Catlett, III</U></P>
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<P style="margin:0pt; text-indent:243pt; line-height:14pt; font-size:12pt">Charles F. Catlett, III</P>
<P style="margin:0pt; padding-right:-18pt; text-indent:243pt; line-height:14pt; font-size:12pt">Senior Vice President and Chief Financial</P>
<P style="margin:0pt; padding-right:-4.5pt; text-indent:243pt; line-height:14pt; font-size:12pt">Officer </P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B><U>Exhibit Index</U></B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:12.5pt; line-height:14pt; font-size:12pt" align=justify><U>Exhibit No.</U></P>
<P style="margin:0pt; text-indent:108pt; line-height:14pt; font-size:12pt" align=justify><U>Description</U></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:108pt; text-indent:-76.5pt; line-height:14pt; font-size:12pt" align=justify>99</P>
<P style="margin:0pt; padding-left:108pt; line-height:14pt; font-size:12pt" align=justify>Press release issued by the Registrant on July 31, 2003.</P>
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Central Virginia Bankshares, Inc.
SECURITIES AND EXCHANCE 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:  July 31, 2003
(Date of earliest event reported)
CENTRAL VIRGINIA BANKSHARES, INC.
(Exact Name of Registrant as Specified in its Charter)
Virginia
(State or Other Jurisdiction
of Incorporation)
000-24002
(Commission File Number)
54-1467806
(IRS Employer
Identification No.)
2036 New Dorset Road, P. O. Box 39
Powhatan, Virginia
(Address of Principal Executive Offices)
23139
(Zip Code)
Registrant's telephone number, including area code:
(804) 403-2000
Item 7.
Financial Statements,
Pro Forma
Financial Information and Exhibits.
(c)
Exhibits.
The following exhibit is furnished pursuant to Item 12 of this report and should not be deemed to be "filed" under the Securities Exchange Act of 1934, as amended.
Exhibit No.
Description
99
Press Release issued by the Registrant dated July 31, 2003.
Item 12.
Results of Operations and Financial Condition.
On July 31, 2003, the Registrant issued a press release reporting its financial results for the period ended June 30, 2003.  A copy of this press release is being furnished as Exhibit 99 and is incorporated by reference into Item 12.
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.
CENTRAL VIRGINIA BANKSHARES, INC.
(Registrant)
Date:  August 5, 2003
By:
/s/ Charles F. Catlett, III
Charles F. Catlett, III
Senior Vice President and Chief Financial
Officer
Exhibit Index
Exhibit No.
Description
99
Press release issued by the Registrant on July 31, 2003.