0001005150-00-001408 10KSB 3 20000630 20000928 AF BANKSHARES INC 0001064025 6770 562098545 0630 10KSB 34 000-24479 730142 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 0001.txt FORM 10-KSB EX-13 2 0002.txt EXHIBIT 13 EX-27 3 0003.txt EXHIBIT 27