0000882377-03-001330 8-K 2 20030818 4 7 20030821 AF FINANCIAL GROUP 0001064025 6021 562098545 0630 8-K 34 000-24479 03858909 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 21 EAST ASHE STREET PO BOX 26 WEST JEFFERSON NC 28694 8-K 1 d3133899.txt AF FINANCIAL GROUP EX-16 3 d3133899_ex16.txt LETTER RE: CHANGE OF CERTIFYING ACCOUNTANT