-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HFZ/vGFo/G9HhAYkYaBVTtZ9KVtsWSSojTi22AtqHsuKZPt6nHIScnSm3l98BKug
 j7D04jgczUlhcgYml7E3bg==

<SEC-DOCUMENT>/in/edgar/work/0001005150-00-001525/0001005150-00-001525.txt : 20001108
<SEC-HEADER>0001005150-00-001525.hdr.sgml : 20001108
ACCESSION NUMBER:		0001005150-00-001525
CONFORMED SUBMISSION TYPE:	10KSB/A
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20000630
FILED AS OF DATE:		20001107

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AF BANKSHARES INC
		CENTRAL INDEX KEY:			0001064025
		STANDARD INDUSTRIAL CLASSIFICATION:	 [6770
]		IRS NUMBER:				562098545
		FISCAL YEAR END:			0630
</COMPANY-DATA>

		FILING VALUES:
			FORM TYPE:		10KSB/A
			SEC ACT:		
			SEC FILE NUMBER:	000-24479
			FILM NUMBER:		754635
</FILING-VALUES>

			BUSINESS ADDRESS:	
				STREET 1:		206 SOUTH JEFFERSON AVENUE
				STREET 2:		PO BOX 26
				CITY:			WEST JEFFERSON
				STATE:			NC
				ZIP:			28694
				BUSINESS PHONE:		3362464344
</BUSINESS-ADDRESS>

				MAIL ADDRESS:	
					STREET 1:		206 SOUTH JEFFERSON AVENUE
					STREET 2:		PO BOX 26
					CITY:			WEST JEFFERSON
					STATE:			NC
					ZIP:			28694
</MAIL-ADDRESS>
</FILER>
</SEC-HEADER>
<DOCUMENT>
<TYPE>10KSB/A
<SEQUENCE>1
<FILENAME>0001.txt
<DESCRIPTION>FORM 10-KSB/A
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-13
<SEQUENCE>2
<FILENAME>0002.txt
<DESCRIPTION>EXHIBIT 13
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-27
<SEQUENCE>3
<FILENAME>0003.txt
<DESCRIPTION>EXHIBIT 27
</DOCUMENT>
</SUBMISSION>