UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13D
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. )*
Southern Financial Bancorp, Inc.
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
842870107
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(CUSIP Number)
Georgia S. Derrico, 37 E. Main St., Warrenton, VA 20187 540-349-3900
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(Name, Address and Telephone Number of Person Authorized to Receive Notices
and Communications)
12/4/98
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(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition that is the subject of this Schedule 13D, and is filing this
schedule because of ss.ss. 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the
following box [ ].
Note: Schedules filed in paper format shall include a signed original and five
copies of the schedule, including all exhibits. See ss.240.13d-7 for other
parties to whom copies are to be sent.
*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
disclosures provided in a prior cover page.
The information required on 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).
Potential persons who are to respond to the collection of information contained
in this form are not required to respond unless the form displays a currently
valid OMB control number.
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CUSIP No. 842870107
____________________
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1. Names of Reporting Persons.
I.R.S. Identification Nos. of above persons (entities only).
Georgia S. Derrico SS# ###-##-####
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2. Check the Appropriate Box if a Member of a Group (See Instructions)
(a) _______________________________________________________________
(b) _______________________________________________________________
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3. SEC Use Only ______________________________________________________
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4. Source of Funds (See Instructions) PF
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5. Check if Disclosure of Legal Proceedings Is Required Pursuant to
Items 2(d) or 2(e)
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6. Citizenship or Place of Organization USA
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Number of 7. Sole Voting Power 165,545 shares
Shares Bene-
ficially by 8. Shared Voting Power 34,180
Owned by Each
Reporting 9. Sole Dispositive Power
Person With
10. Shared Dispositive Power
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11. Aggregate Amount Beneficially Owned by Each Reporting Person
199,725 shares
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12. Check if the Aggregate Amount in Row (11) Excludes Certain Shares
(See Instructions)
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13. Percent of Class Represented by Amount in Row (11) 10.74
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14. Type of Reporting Person (See Instructions)
IN
2
<PAGE>
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.
12/11/98
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Date
/s/ Georgia S. Derrico
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Signature
Georgia S. Derrico
Chairman and Chief Executive Officer
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Name/Title
The original statement shall be signed by each person on whose behalf
the statement is filed or his authorized representative. If the statement is
signed on behalf of a person by his authorized representative (other than an
executive officer or general partner of the filing person), evidence of the
representative's authority to sign on behalf of such person shall be filed with
the statement; provided, however, that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed
or printed beneath his signature.
Attention: Intentional misstatements or omissions of fact constitute Federal
criminal violations (See 18 U.S.C. 1001)
3
<PAGE>
SCHEDULE SC13D
SOUTHERN FINANCIAL BANK
Georgia S. Derrico hereby submits the following statement on Schedule 13D (the
"Statement"):
Item 1. Security and Issuer
The class of security to which this statement relates is the common stock, of
Southern Financial Bancorp, Inc. (the "Issuer"). The address of the principal
executive offices of the Issuer is 37 East Main Street, Warrenton, VA 20186.
Item 2. Identity and Background
(a) Georgia S. Derrico
(b) Chief Executive Officer
(c) 37 East Main Street, Warrenton, VA 20186
(d) None
(e) None
(f) USA
Item 3. Source and Amount of Funds or Other Consideration
The shares of Common Stock beneficially owned by Ms. Derrico, her husband,
R. Roderick Porter, and their children were purchased with personal funds.
Item 4. Purpose of Transaction
The reporting person has acquired the Shares for investment purposes and as
set forth below:
(a) Ms. Derrico may acquire additional shares or dispose of some or all its
Shares.
(b) None
(c) None
(d) None
(e) None
(f) None
(g) None
(h) None
(i) None
(j) None
Item 5. Interest in Securities of Issuer
(a) The aggregate number of shares of Common Stock owned beneficially by
Ms. Derrico as of the close of business on January 31, 1998 was
179,786, approximately 10.74% of the shares of Common Stock outstanding.
(b) By virtue of her marriage to R. Roderick Porter, Ms. Derrico may be deemed
to share the power to vote and dispose of the shares, 24,241, of Common
Stock.
(c) Ms. Derrico has purchased 146 shares of Common Stock (26,000 per share) on
December 4, 1998.
(d) None
<PAGE>
(e) None
Item 6. Contracts, Arrangements, Understandings or Relationships with Respect
to Securities of the Issuer
Ms. Derrico is married to R. Roderick Porter, who owns directly 24,241 shares
of the Company's Common Stock. By virtue of these relationships, Ms. Derrico
may be said to have an understanding with regard to both voting and dispositive
power over such shares of Common Stock. Ms. Derrico disclaims such an
understanding.
Item 7. Material to be Filed as Exhibits
None
