0000882377-01-000072 10QSB 1 20001231 20010212 AF BANKSHARES INC 0001064025 6770 562098545 0630 10QSB 34 000-24479 1533018 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 10QSB 1 0001.txt AF BANKSHARES, INC.