0001005150-99-000837 DEF 14A 1 19991101 19991006 AF BANKSHARES INC 0001064025 6770 562098545 0630 DEF 14A 34 000-24479 99723517 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 DEF 14A 1 000100515099000837-001-seq1-def-14a.txt DEFINITIVE 14A