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                       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: September 1, 2000
                        (Date of earliest event reported)



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


          Virginia                       0-22836                 54-1779978
(State or Other Jurisdiction    (Commission File Number)        (IRS Employer
      of Incorporation)                                      Identification No.)

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


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




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

<PAGE>

Item 2.      Acquisition or Disposition of Assets.

         On   September   1,  2000,   First   Savings   Bank  of   Virginia,   a
Virginia-chartered  savings association  ("First Savings"),  was merged with and
into Southern  Financial  Bank (the "Bank"),  a Virginia state bank and a wholly
owned subsidiary of Southern Financial Bancorp, Inc. (the "Company"), a Virginia
corporation (the "Merger").  The Merger was consummated pursuant to an Agreement
and Plan of  Reorganization,  dated as of March 31, 2000,  by and between  First
Savings, the Company and the Bank, and a related Plan of Merger.

         Under the terms of the Merger, each outstanding share of First Savings'
common stock,  par value $1.00 per share ("First  Savings  Common  Stock"),  was
converted  into 0.44 shares of the Company's  common stock,  par value $0.01 per
share, and cash in lieu of fractional  shares. As a result,  all shareholders of
First Savings became  shareholders of the Company.  There were 931,605 shares of
First Savings Common Stock outstanding  immediately prior to the consummation of
the Merger.

         For a more detailed  description of the Merger, see the Company's Proxy
Statement/Prospectus,   which  was  filed  with  the   Securities  and  Exchange
Commission  on July  24,  2000 in  connection  with the  Company's  Registration
Statement on Form S-4 (File No. 333-39666),  and which is incorporated herein by
reference.


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

      (a)    Financial Statements of Businesses Acquired.

             The financial  statements of First Savings  required to be included
             in this report are not included herein pursuant to Item 7(a)(4) and
             will be filed as soon as possible.

      (b)    Pro Forma Financial Information.

             The pro forma financial information required to be included in this
             report are not included herein pursuant to Item 7(b)(2) and will be
             filed as soon as possible.




                                      -2-
<PAGE>

      (c)    Exhibits.

             Exhibit No.           Description
             -----------           -----------

                2.1           Agreement and Plan of Reorganization,  dated as of
                              March 31, 2000, by and between First Savings,  the
                              Company and the Bank,  filed as Exhibit 2.1 to the
                              Registration  Statement  on  Form  S-4  (File  No.
                              333-39666),  dated  June  19,  2000,  incorporated
                              herein by reference.











                                      -3-
<PAGE>

                                    SIGNATURE

         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.



Dated: September 18, 2000                   By:   /s/ David de Give
                                                --------------------------------
                                                  David de Give
                                                  Senior Vice President





<PAGE>

                                INDEX TO EXHIBITS


No.         Description
---         -----------

2.1         Agreement and Plan of Reorganization, dated as of March 31, 2000, by
            and between  First  Savings  Bank of  Virginia,  Southern  Financial
            Bancorp,  Inc. and Southern  Financial Bank, filed as Exhibit 2.1 to
            the Registration  Statement on Form S-4 (File No. 333-39666),  dated
            June 19, 2000, incorporated herein by reference.
[{"type": "8-K", "sequence": "1", "filename": "0001.txt", "description": "8-K - SOUTHERN FINANCIAL BANCORP, INC.", "secsgml_size_bytes": 5171}]
{"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": "724696"}, "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"}}
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                       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: September 1, 2000
                        (Date of earliest event reported)

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

          Virginia                       0-22836                 54-1779978
(State or Other Jurisdiction    (Commission File Number)        (IRS Employer
      of Incorporation)                                      Identification No.)

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

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

================================================================================
Item 2.      Acquisition or Disposition of Assets.

         On   September   1,  2000,   First   Savings   Bank  of   Virginia,   a
Virginia-chartered  savings association  ("First Savings"),  was merged with and
into Southern  Financial  Bank (the "Bank"),  a Virginia state bank and a wholly
owned subsidiary of Southern Financial Bancorp, Inc. (the "Company"), a Virginia
corporation (the "Merger").  The Merger was consummated pursuant to an Agreement
and Plan of  Reorganization,  dated as of March 31, 2000,  by and between  First
Savings, the Company and the Bank, and a related Plan of Merger.

         Under the terms of the Merger, each outstanding share of First Savings'
common stock,  par value $1.00 per share ("First  Savings  Common  Stock"),  was
converted  into 0.44 shares of the Company's  common stock,  par value $0.01 per
share, and cash in lieu of fractional  shares. As a result,  all shareholders of
First Savings became  shareholders of the Company.  There were 931,605 shares of
First Savings Common Stock outstanding  immediately prior to the consummation of
the Merger.

         For a more detailed  description of the Merger, see the Company's Proxy
Statement/Prospectus,   which  was  filed  with  the   Securities  and  Exchange
Commission  on July  24,  2000 in  connection  with the  Company's  Registration
Statement on Form S-4 (File No. 333-39666),  and which is incorporated herein by
reference.

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

      (a)    Financial Statements of Businesses Acquired.

             The financial  statements of First Savings  required to be included
             in this report are not included herein pursuant to Item 7(a)(4) and
             will be filed as soon as possible.

      (b)    Pro Forma Financial Information.

             The pro forma financial information required to be included in this
             report are not included herein pursuant to Item 7(b)(2) and will be
             filed as soon as possible.

                                      -2-
(c)    Exhibits.

             Exhibit No.           Description
             -----------           -----------

                2.1           Agreement and Plan of Reorganization,  dated as of
                              March 31, 2000, by and between First Savings,  the
                              Company and the Bank,  filed as Exhibit 2.1 to the
                              Registration  Statement  on  Form  S-4  (File  No.
                              333-39666),  dated  June  19,  2000,  incorporated
                              herein by reference.

                                      -3-
SIGNATURE

         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.

Dated: September 18, 2000                   By:   /s/ David de Give
                                                --------------------------------
                                                  David de Give
                                                  Senior Vice President
INDEX TO EXHIBITS

No.         Description
---         -----------

2.1         Agreement and Plan of Reorganization, dated as of March 31, 2000, by
            and between  First  Savings  Bank of  Virginia,  Southern  Financial
            Bancorp,  Inc. and Southern  Financial Bank, filed as Exhibit 2.1 to
            the Registration  Statement on Form S-4 (File No. 333-39666),  dated
            June 19, 2000, incorporated herein by reference.