0000882377-99-000240 10QSB 1 19990331 19990507 AF BANKSHARES INC 0001064025 6770 562098545 0630 10QSB 34 000-24479 99613864 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 10QSB 1 000088237799000240-001-seq1-10qsb.txt AF BANKSHARES, INC.