SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
Schedule 13G
Under the Securities Exchange Act of 1934
(Amendment No. 2)*
Second National Financial Corporation
(Name of Issuer)
Common Stock
(Title of Class of Securities)
81359B102
(CUSIP Number)
Check the following box if a fee is being paid with this statement [ ]. (A
fee is not required only if the filing person: (1) has a previous statement
on file reporting beneficial ownership of more than five percent of the
class of securities described in Item 1; and (2) has filed no amendment
subsequent thereto reporting beneficial ownership of five percent or less
of such class.) (See Rule 13d-7.)
* The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which
would alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of
that section of the Act but shall be subject to all other provisions of the
Act (however, see the Notes).
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CUSIP NO. 81359B102
(1) Names of Reporting Persons S.S. or I.R.S. Identification No. of
Above Person
Second Bank & Trust 54-0185835
(2) Check the Appropriate Box if a Member of a Group*
(a) [ ]
(b) [ ]
(3) SEC Use Only
(4) Citizenship or Place of Organization
a Virginia state-chartered bank
Number of Shares (5)Sole Voting Power 0
Beneficially (6)Shared Voting Power 0
Owned by Each (7)Sole Dispositive Power 54,221
Reporting Person With: (8)Shared Dispositive Power 38,888
(9) Aggregate Amount Beneficially Owned by Each Reporting Person
93,109
(10) Check if the Aggregate Amount in Row 9 Excludes Certain Shares*
[ ]
(11) Percent of Class Represented by Amount in Row 9
6.2%
(12) Type of Reporting Person*
BK
*SEE INSTRUCTION BEFORE FILLING OUT!
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Schedule 13G
Under the Securities Exchange Act of 1934
Item 1(a) Name of Issuer: Second National Financial Corporation
Item 1(b) Address of Issuer's Principal Executive Offices:
102 South Main Street
P.O. Box 71
Culpeper, Virginia 22701
Item 2(a) Name of Person Filing:
Second Bank & Trust
Item 2(b) Address of Principal Business Office or, if none, Residence:
102 South Main Street
P.O. Box 71
Culpeper, Virginia 22701
Item 2(c) Citizenship:
a Virginia state-chartered bank
Item 2(d) Title of Class of Securities:
Common Stock
Item 2(e) CUSIP Number:
81359B102
Item 3. If this statement is filed pursuant to Rules 13d-1(b), or 13d-2(b),
check whether the person filing is a:
(b) [X] Bank as defined in Section 3(a)(6) of the Act
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Item 4. Ownership.
See Responses to Items 7, 8, 9 and 11 of Cover Page.
Item 5. Ownership of Five Percent or Less of a Class.
If this statement is being filed to report the fact that as of the
date hereof the reporting person has ceased to be the beneficial owner
of more than five percent of the class of securities, check the
following [ ].
Item 6. Ownership of More than Five Percent on Behalf of Another Person.
The reported shares are held in various fiduciary accounts, and
accordingly, dividends, and the proceeds of such shares, are
payable to other persons, including such accounts, the beneficiaries
or settlors thereof or a combination of such persons. In certain
instances, other persons (including beneficiaries and settlors) may be
deemed to have the power to direct receipt of dividends or the proceeds
of the sale of shares reported herein. To the best of the undersigned's
knowledge and belief, no one person has such and economic interest
relating to more than 5% of the class of reported shares.
Item 7. Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company.
N/A
Item 8. Identification and Classification of Members of the Group.
N/A
Item 9. Notice of Dissolution of Group.
N/A
Item 10. Certification
By signing below I certify that, to the best of my knowledge and
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belief, the securities referred to above were acquired in the ordinary course
of business and were not acquired for the purpose of and do not have the effect
of changing or influencing the control of the issuer of such securities and
were not acquired in connection with or as a participant in any transaction
having such purposes or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
SECOND BANK & TRUST
By: /s/ J. Quintin Mullins
--------------------------------------------------
Signature
Name/Title: J. Quintin Mullins, Vice President & Trust Officer
-------------------------------------------------------------
Date: February 4, 1998
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