0000928385-01-501902 10KSB40 2 20010630 20010928 AF BANKSHARES INC 0001064025 6770 562098545 0630 10KSB40 34 000-24479 1747245 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 10KSB40 1 d10ksb40.txt FORM 10-KSB40 EX-13.1 3 dex131.txt EXHIBIT - 13.1