<SUBMISSION>
<ACCESSION-NUMBER>0001245052-04-000001
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20040217
<FILING-DATE>20040218
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>ROTEN JERRY L
<CIK>0001245052
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>000-24479
<FILM-NUMBER>04613080
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>C/O AF FINANCIAL GROUP
<STREET2>21 EAST ASHE STREET
<CITY>WEST JEFFERSON
<STATE>NC
<ZIP>28894
<PHONE>3362464344
</BUSINESS-ADDRESS>
</REPORTING-OWNER>
<ISSUER>
<COMPANY-DATA>
<CONFORMED-NAME>AF FINANCIAL GROUP
<CIK>0001064025
<ASSIGNED-SIC>6021
<IRS-NUMBER>562098545
<FISCAL-YEAR-END>0630
</COMPANY-DATA>
<BUSINESS-ADDRESS>
<STREET1>21 EAST ASHE STREET
<CITY>WEST JEFFERSON
<STATE>NC
<ZIP>28694
<PHONE>3362464344
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>21 EAST ASHE STREET
<STREET2>PO BOX 26
<CITY>WEST JEFFERSON
<STATE>NC
<ZIP>28694
</MAIL-ADDRESS>
</ISSUER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-02-17</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001064025</issuerCik>
        <issuerName>AF FINANCIAL GROUP</issuerName>
        <issuerTradingSymbol>ASFE</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001245052</rptOwnerCik>
            <rptOwnerName>ROTEN JERRY L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2>21 EAST ASHE STREET</rptOwnerStreet2>
            <rptOwnerCity>WEST JEFFERSON</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>28694-0026</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, par value $.01 per share</value>
            </securityTitle>
            <transactionDate>
                <value>2004-02-17</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>260</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>21</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>6180</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Melanie P. Miller for Jerry L. Roten, by power of attorney</signatureName>
        <signatureDate>2004-02-18</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>3
<FILENAME>rotenpoa.txt
<DESCRIPTION>POWER OF ATTORNEY
<TEXT>
                     AF BANKSHARES, INC.

                         SECTION 16
                      POWER OF ATTORNEY

     Know all by these presents, that the undersigned hereby
constitutes and appoints each of  James A. Todd and Melanie
P. Miller, signing singly, the undersigned's true and lawful
attorney-in-fact to:

     (1)  execute for and on behalf of the undersigned, in
          the undersigned's capacity as an officer and/or
          director of AF Bankshares, Inc. (the "Company"),
          Forms 3, 4 and 5 in accordance with Section 16(a)
          of the Securities Exchange Act of 1934, as
          amended, and the rules thereunder;

     (2)  do and perform any and all acts for and on behalf
          of the undersigned which may be necessary or
          desirable to complete and execute any such Form 3,
          4, or 5 and timely file such form with the United
          States Securities and Exchange Commission and any
          stock exchange or similar authority; and

     (3)  take any other action of any type whatsoever in
          connection with the foregoing which, in the
          opinion of such attorney-in-fact, may be of
          benefit to, in the best interest of, or legally
          required by, the undersigned, it being understood
          that the documents executed by such attorney-in-
          fact on behalf of the undersigned pursuant to this
          Power of Attorney shall be in such form and shall
          contain such terms and conditions as such attorney-
          in-fact may approve in such attorney-in-fact's
          discretion.

     The undersigned hereby grants to each such attorney-in-
fact full power and authority to do and perform any and
every act and thing whatsoever requisite, necessary, or
proper to be done in the exercise of any of the rights and
powers herein granted, as fully to all intents and purposes
as the undersigned might or could do if personally present,
with full power of substitution or revocation, hereby
ratifying and confirming all that such attorney-in-fact, or
such attorney-in-fact's substitute or substitutes, shall
lawfully do or cause to be done by virtue of this power of
attorney and the rights and powers herein granted. The
undersigned acknowledges that the foregoing attorneys-in-
fact, in serving in such capacity at the request of the
undersigned, are not assuming, nor is the Company assuming,
any of the undersigned's responsibilities to comply with
Section 16 of the Securities Exchange Act of 1934, as
amended.

     This Power of Attorney shall remain in full force and
effect until the undersigned is no longer required to file
Forms 3, 4, and 5 with respect to the undersigned's holdings
of and transactions in securities issued by the Company,
unless earlier revoked by the undersigned in a signed
writing delivered to the foregoing attorneys-in-fact.

     IN WITNESS WHEREOF, the undersigned has caused this
Power of Attorney to be executed as of this 21st day of
October, 2002.


     /s/ Jerry L. Roten




</TEXT>
</DOCUMENT>
</SUBMISSION>
