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<TITLE>Village Bank and Trust Financial Corp.</TITLE>
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<META NAME="date" CONTENT="07/25/2005">
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<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>UNITED STATES</B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>SECURITIES AND EXCHANGE COMMISSION</B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>Washington, D.C. 20549</B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>___________</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><B><BR></B></P>
<P style="margin:0pt; line-height:16pt; font-family:times new roman; font-size:14pt" align=center><B>FORM 8-K</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><B><BR></B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>CURRENT REPORT</B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><B><BR></B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center>Date of Report (Date of earliest event reported): <B>July 25, 2005</B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>___________</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><B><BR></B></P>
<P style="margin:0pt; line-height:18pt; font-family:times new roman; font-size:16pt" align=center><B>VILLAGE BANK AND TRUST FINANCIAL CORP.</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Exact name of registrant as specified in its charter)</P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center>&nbsp;&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR><TD valign=top width=208><P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(State or other jurisdiction</P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>of incorporation)</P>
</TD><TD valign=top width=208 colspan=2><P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>0-50765</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=208><P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>16-1694602</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(IRS Employer</P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>Identification No.)</P>
</TD></TR>
<TR><TD valign=top width=208><P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><BR></P>
</TD><TD valign=top width=208 colspan=2>&nbsp;</TD><TD valign=top width=208>&nbsp;</TD></TR>
<TR><TD valign=top width=312 colspan=2><P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>1231 Alverser Drive, P.O. Box 330, Midlothian, Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Address of principal executive offices)</P>
</TD><TD valign=top width=312 colspan=2><P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><B><BR></B></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>23113 </B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Zip Code)</P>
</TD></TR>
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<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><BR></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center>Registrant&#146;s telephone number, including area code: <B>(804) 897-3900</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><BR></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>Southern Community Financial Corp.</B></P>
<P style="margin:0pt; line-height:13pt; font-family:times new roman; font-size:11pt" align=center>(Former name or former address, if changed since last report)</P>
<P style="margin:0pt; font-family:times new roman; font-size:11pt" align=center><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:11pt" align=center><BR></P>
<P style="margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:wingdings; font-size:12pt" align=justify>o</P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:wingdings; font-size:12pt" align=justify>o</P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:wingdings; font-size:12pt" align=justify>o</P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:18pt; line-height:14pt; font-family:wingdings; font-size:12pt" align=justify>o</P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>
<P style="margin:0pt; padding-bottom:3pt; font-family:times new roman; font-size:12pt; border-bottom:3pt double #000000"><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><B><BR>
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<P style="page-break-before:always; margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><B>Item 2.02</B></P>
<P style="margin:0pt; text-indent: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; font-family:times new roman; font-size:12pt" align=justify><B><BR></B></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>On July 25, 2005, the Registrant issued a press release reporting its financial results for the period ended June 30, 2005. &nbsp;A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this Item 2.02.</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><B>Item 9.01</B></P>
<P style="margin:0pt; text-indent:72pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><B>Financial Statements and Exhibits.</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><B><BR></B></P>
<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>(c)</P>
<P style="margin:0pt; padding-left:36pt; text-indent:22.5pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Exhibits. &nbsp;The following exhibit is being furnished pursuant to Item 2.02 above. &nbsp;</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:90pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><B><U>Exhibit No.</U></B></P>
<P style="margin:0pt; text-indent:162pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><B><U>Description</U></B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><U><BR></U></P>
<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:162pt; text-indent:-72pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>99.1</P>
<P style="margin:0pt; padding-left:162pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Press Release dated July 25, 2005</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><B><BR>
<BR></B></P>
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<P style="page-break-before:always; margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>SIGNATURES</B></P>
<P style="margin:0pt; 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>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>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<B><P style="margin:0pt; text-indent:175.5pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>VILLAGE BANK AND TRUST FINANCIAL CORP. </B></P>
<P style="margin:0pt; text-indent:175.5pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>(Registrant)</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Date: &nbsp;July 25, 2005</P>
<P style="margin:0pt; text-indent:180pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>By: &nbsp;<U>/s/ C. Harril Whitehurst, Jr. </U></P>
<P style="margin:0pt; text-indent:216pt; line-height:14pt; font-family:times new roman; font-size:12pt">C. Harril Whitehurst, Jr. </P>
<P style="margin:0pt; text-indent:216pt; line-height:14pt; font-family:times new roman; font-size:12pt">Senior Vice President and CFO</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR>
<BR></P>
<HR style="padding-top:7.2pt; padding-bottom:7.2pt" noshade size=1.333>
<P style="page-break-before:always; margin:0pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=center><B>EXHIBIT INDEX</B></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt" align=center><B><BR></B></P>
<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:18pt; text-indent:18pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><U>Exhibit No.</U></P>
<P style="margin:0pt; padding-left:18pt; text-indent:90pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify><U>Description</U></P>
<P style="margin:0pt; padding-left:18pt; text-indent:18pt; font-family:times new roman; font-size:12pt" align=justify><U><BR></U></P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:36pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>99.1</P>
<P style="margin:0pt; text-indent:108pt; line-height:14pt; font-family:times new roman; font-size:12pt" align=justify>Press Release dated July 25, 2005</P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR></P>
<P style="margin:0pt; font-family:times new roman; font-size:12pt"><BR>
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Village Bank and Trust Financial Corp.
UNITED STATES
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 (Date of earliest event reported):
July 25, 2005
___________
VILLAGE BANK AND TRUST FINANCIAL CORP.
(Exact name of registrant as specified in its charter)
Virginia
(State or other jurisdiction
of incorporation)
0-50765
(Commission File Number)
16-1694602
(IRS Employer
Identification No.)
1231 Alverser Drive, P.O. Box 330, Midlothian, Virginia
(Address of principal executive offices)
23113
(Zip Code)
Registrant's telephone number, including area code:
(804) 897-3900
Southern Community Financial Corp.
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02
Results of Operations and Financial Condition.
On July 25, 2005, the Registrant issued a press release reporting its financial results for the period ended June 30, 2005.  A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this Item 2.02.
Item 9.01
Financial Statements and Exhibits.
(c)
Exhibits.  The following exhibit is being furnished pursuant to Item 2.02 above.
Exhibit No.
Description
99.1
Press Release dated July 25, 2005
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.
VILLAGE BANK AND TRUST FINANCIAL CORP.
(Registrant)
Date:  July 25, 2005
By:
/s/ C. Harril Whitehurst, Jr.
C. Harril Whitehurst, Jr.
Senior Vice President and CFO
EXHIBIT INDEX
Exhibit No.
Description
99.1
Press Release dated July 25, 2005