Exhibit 32.1

STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF

2002, 18 U.S.C. 1350

The undersigned, Robert E. Washburn, is the President and Chief Executive Officer of AF Financial Group (the Company).

This statement is being furnished in connection with the filing by the Company of the Companys Quarterly Report on Form 10-QSB for
the period ended September 30, 2006 (the Report).

By execution of this statement, I certify that:



| | A) | the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a) or 78o(d)); and
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------



| | B) | the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the
periods covered by the Report.
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

This statement is authorized to be attached as an exhibit to the Report so that this
statement will accompany the Report at such time as the Report is filed with the Securities and Exchange Commission, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that this statement
be deemed to be filed for purposes of the Securities Exchange Act of 1934, as amended.

A signed original of this written statement
required by Section 1350 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.



|                        |  |                    |  |                                      
|----------------------- |  | ------------------ |  | -------------------------------------
|                        |  | AF Financial Group
|                        |  |                   
|Dated November 20, 2006 |  | By:                |  | Robert E. Washburn                   
|                        |  |                    |  | Robert E. Washburn                   
|                        |  |                    |  | President and Chief Executive Officer



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STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF

2002, 18 U.S.C. 1350

The undersigned,
Melanie Paisley Miller, is the Executive Vice President, Secretary, Treasurer and Chief Financial Officer of AF Financial Group (the Company).

This statement is being furnished in connection with the filing by the Company of the Companys Quarterly Report on Form 10-QSB for the period ended September 30, 2006 (the Report).

By execution of this statement, I certify that:



| | A) | the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m(a) or 78o(d)); and
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------



| | B) | the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the
periods covered by the Report.
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

This statement is authorized to be attached as an exhibit to the Report so that this
statement will accompany the Report at such time as the Report is filed with the Securities and Exchange Commission, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that this statement
be deemed to be filed for purposes of the Securities Exchange Act of 1934, as amended.

A signed original of this written statement
required by Section 1350 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.



|                        |  |                    |  |                                      
|----------------------- |  | ------------------ |  | -------------------------------------
|                        |  | AF Financial Group
|                        |  |                   
|Dated November 20, 2006 |  | By:                |  | /s/ Melanie P. Miller                
|                        |  |                    |  | Melanie Paisley Miller               
|                        |  |                    |  | Executive Vice President, Secretary, 
|                        |  |                    |  | Treasurer and Chief Financial Officer