0000882377-01-500371 10QSB 1 20010930 20011102 AF BANKSHARES INC 0001064025 6770 562098545 0630 10QSB 34 000-24479 1774315 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 10QSB 1 afb10qsb.txt AF BANKSHARES, INC.