0000928385-01-501973 8-K/A 2 20010803 4 7 20011004 AF BANKSHARES INC 0001064025 6770 562098545 0630 8-K/A 34 000-24479 1751917 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 8-K/A 1 d8ka.txt AMENDMENT #2 EX-16 3 dex16.txt EXHIBIT 16