0000882377-03-000185 8-K 4 20030121 5 7 20030127 AF BANKSHARES INC 0001064025 6021 562098545 0630 8-K 34 000-24479 03526356 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 206 SOUTH JEFFERSON AVENUE PO BOX 26 WEST JEFFERSON NC 28694 8-K 1 d3131281.txt AF FINANCIAL GROUP EX-3.1 3 d3132209.txt BY-LAWS, ARTICLES OF INCORPORATION EX-3.2 4 d3132216.txt BY-LAWS, ARTICLES OF INCORPORATION EX-4.1 5 d3132211.txt INSTRUMENTS DEFINING RIGHTS OF SECURITY HOLDERS