0000928385-01-501972 DEF 14A 1 20011105 20011004 AF BANKSHARES INC 0001064025 6770 562098545 0630 DEF 14A 34 000-24479 1751902 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 ddef14a.txt NOTICE & PROXY