SOUTHERN FINANCIAL BANCORP INC /VA/
S-4, EX-99, 2000-06-19
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                                                    Exhibit 99.1


                         First Savings Bank of Virginia
               Proxy Solicited on Behalf of the Board of Directors


         The    undersigned    hereby    appoints    ____________________    and
____________________,  jointly and  severally,  proxies,  with full power to act
alone, and with full power of substitution,  to represent the undersigned and to
vote, as  designated  below and upon any and all other matters that may properly
be brought before such meeting,  all shares of Common Stock that the undersigned
would be entitled to vote at a Special  Meeting of Shareholders of First Savings
Bank of Virginia, a  Virginia-chartered  savings association (the "Bank"), to be
held at  ________________________,  ________,  Virginia, on ________ __, 2000 at
_____ _.m., local time, or any adjournments thereof, for the following purposes:

         1.       To approve the Agreement and Plan of Reorganization,  made and
                  entered  into as of March 31,  2000,  by and between the Bank,
                  Southern Financial  Bancorp,  Inc. and Southern Financial Bank
                  ("SFB"),  and a related Plan of Merger, which provides for the
                  Bank to be  merged  with  and  into  SFB.  The  Reorganization
                  Agreement   is   enclosed   with   the   accompanying    Proxy
                  Statement/Prospectus as Appendix A.

                      [  ] FOR          [  ] AGAINST         [  ] ABSTAIN


         2.       In their  discretion,  the proxies are authorized to vote upon
                  any other  business that may properly come before the meeting,
                  or any adjournment thereof.


         THIS  PROXY,  WHEN  PROPERLY  EXECUTED,  WILL BE  VOTED  IN THE  MANNER
DIRECTED HEREIN BY THE SHAREHOLDER. IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE
VOTED FOR ITEM 1.


_____________________________________      _____________________________________
           Printed Name                                  Signature


                                           _____________________________________
                                                         Signature

                                           Dated:   ___/___/00

                                           (If signing as Attorney,
                                           Administrator, Executor, Guardian or
                                           Trustee, please add your title as
                                           such.)

                   PLEASE MARK, SIGN, DATE AND RETURN PROMPTLY




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