0000882377-03-001819 10QSB 3 20030930 20031113 AF FINANCIAL GROUP 0001064025 6021 562098545 0630 10QSB 34 000-24479 03996014 21 EAST ASHE STREET WEST JEFFERSON NC 28694 3362464344 21 EAST ASHE STREET PO BOX 26 WEST JEFFERSON NC 28694 10QSB 1 d3137085.txt AF FINANCIAL GROUP EX-31.1 3 d3137085_ex31-1.txt CERT REQ UNDER SEC 302 OF SARBANES-OXLEY ACT 2002 EX-32.1 4 d3137085_ex32-1.txt CERT REQ UNDER SEC 906 OF SARBANES-OXLEY ACT 2002