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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>
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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 23, 2004</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>
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<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>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; padding-left:72pt; text-indent:-72pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><B>Item 12.</B></P>
<P style="margin:0pt; padding-left:72pt; line-height:14pt; font-family:Times New Roman; 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-family:Times New Roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>On July 23, 2004, the Registrant issued a press release reporting its financial results for the period ended June 30, 2004. &nbsp;A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this Item 12.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>The foregoing information, including the information contained in the press release, is being furnished pursuant to this Item 12 and shall not be deemed to be &#147;filed&#148; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended. In addition, this information shall not be deemed to be incorporated by reference into any of the Registrant&#146;s filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>The exhibit to this report is as follows:</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:72pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify><U>Exhibit No.</U></P>
<P style="margin:0pt; text-indent:144pt; line-height:14pt; font-family:Times New Roman; 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:-57pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>99</P>
<P style="margin:0pt; padding-left:144pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=justify>Press release issued by the Registrant dated July 23, 2004.</P>
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<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>SIGNATURES</B></P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:Times New Roman; 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;July 26, 2004</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/ Ralph Larry Lyons&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
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<P style="margin:0pt; text-indent:243pt; line-height:14pt; font-size:12pt">Ralph Larry Lyons</P>
<P style="margin:0pt; padding-right:-18pt; text-indent:243pt; line-height:14pt; font-size:12pt">President and Chief Executive Officer</P>
<P style="margin:0pt; padding-right:-4.5pt; text-indent:243pt; line-height:14pt; font-size:12pt">&nbsp;</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 23, 2004
(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 12.
Results of Operations and Financial Condition.
On July 23, 2004, the Registrant issued a press release reporting its financial results for the period ended June 30, 2004.  A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this Item 12.
The foregoing information, including the information contained in the press release, is being furnished pursuant to this Item 12 and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended. In addition, this information shall not be deemed to be incorporated by reference into any of the Registrant's filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.
The exhibit to this report is as follows:
Exhibit No.
Description
99
Press release issued by the Registrant dated July 23, 2004.
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:  July 26, 2004
By:
/s/ Ralph Larry Lyons
Ralph Larry Lyons
President and Chief Executive Officer