0001005150-00-001423 DEF 14A 1 20001106 20001004 AF BANKSHARES INC 0001064025 6770 562098545 0630 DEF 14A 34 000-24479 734585 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 0001.txt DEFINITVE 14A