0000928385-01-502344 8-K/A 2 20010803 4 7 20011109 AF BANKSHARES INC 0001064025 6770 562098545 0630 8-K/A 34 000-24479 1779952 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 8-K/A 1 d8ka.txt FORM 8-K/A EX-16 3 dex16.txt EXHIBIT 16