0000882377-03-000263 10QSB 2 20021231 20030213 AF FINANCIAL GROUP 0001064025 6021 562098545 0630 10QSB 34 000-24479 03558541 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 21 EAST ASHE STREET PO BOX 26 WEST JEFFERSON NC 28694 10QSB 1 daffinancial10qsb123102.txt AF FINANCIAL GROUP EX-99.1 3 dafex99-1.txt ADDITIONAL EXHIBITS