0001193125-03-055468 10KSB 26 20030630 20030929 AF FINANCIAL GROUP 0001064025 6021 562098545 0630 10KSB 34 000-24479 03915813 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 21 EAST ASHE STREET PO BOX 26 WEST JEFFERSON NC 28694 10KSB 1 d10ksb.htm FORM 10-KSB EX-4.2 3 dex42.htm EXHIBIT 4.2 EX-4.3 4 dex43.htm EXHIBIT 4.3 EX-10.1 5 dex101.htm EXHIBIT 10.1 EX-10.2 6 dex102.htm EXHIBIT 10.2 EX-10.5 7 dex105.htm EXHIBIT 10.5 EX-10.6 8 dex106.htm EXHIBIT 10.6 EX-10.7 9 dex107.htm EXHIBIT 10.7 EX-10.8 10 dex108.htm EXHIBIT 10.8 EX-10.9 11 dex109.htm EXHIBIT 10.9 EX-10.10 12 dex1010.htm EXHIBIT 10.10 EX-10.11 13 dex1011.htm EXHIBIT 10.11 EX-10.13 14 dex1013.htm EXHIBIT 10.13 EX-13.1 15 dex131.htm EXHBIT 13.1 EX-31.1 16 dex311.htm EXHIBIT 31.1 EX-32.1 17 dex321.htm EXHIBIT 32.1 GRAPHIC 18 g71229g05b76.jpg GRAPHIC GRAPHIC 19 g71229g05n23.jpg GRAPHIC GRAPHIC 20 g71229g24w32.jpg GRAPHIC GRAPHIC 21 g71229g63y89.jpg GRAPHIC GRAPHIC 22 g71229g67c06.jpg GRAPHIC GRAPHIC 23 g71229g75v33.jpg GRAPHIC GRAPHIC 24 g71229g77m31.jpg GRAPHIC GRAPHIC 25 g71229g90x60.jpg GRAPHIC GRAPHIC 26 g71229g95j88.jpg GRAPHIC GRAPHIC 27 g71229g99v02.jpg GRAPHIC