0001005150-99-000805 10KSB 3 19990630 19990928 AF BANKSHARES INC 0001064025 6770 562098545 0630 10KSB 34 000-24479 99718254 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 10KSB 1 000100515099000805-001-seq1-10ksb.txt FORM 10KSB EX-13.1 2 000100515099000805-002-seq2-ex-13-1.txt EXHIBIT 13.1 EX-27 3 000100515099000805-003-seq3-ex-27.txt FDS --