SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  FORM 10-KSB/A
                                (Amendment No. 1)
(Mark One)
[X]  Annual report  pursuant to section 13 or 15 (d) of the Securities  Exchange
     Act of 1934

     For the fiscal year ended   June 30, 2002

                                       OR

[ ]  Transition  report  pursuant  to section  13 or 15(d) of the  Securities
     Exchange Act of 1934 For the transition period from         to        .
                                                         -------    -------
Commission File No. 0-21885

                            Advance Financial Bancorp
                            -------------------------
                 (Name of Small Business Issuer in Its Charter)

Delaware                                                     55-0753533
----------------------------------                       -------------------
(State or Other Jurisdiction of                          (I.R.S. Employer
Incorporation or Organization)                           Identification No.)

1015 Commerce Street, Wellsburg, West Virginia                 26070
----------------------------------------------                 -----
(Address of Principal Executive Offices)                     (Zip Code)

Issuer's Telephone Number, Including Area Code:           (304) 737-3531
                                                          --------------

Securities registered under to Section 12(b) of the Exchange Act:    None
                                                                     ----
Securities registered under to Section 12(g) of the Exchange Act:

                     Common Stock, par value $0.10 per share
                     ---------------------------------------
                         Preferred Share Purchase Rights
                         -------------------------------
                                (Title of Class)

         Check  whether  the issuer:  (1) has filed all  reports  required to be
filed by Section 13 or 15(d) of the  Exchange  Act during the past 12 months (or
for such shorter  period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days.
YES  X   NO
    ---     ---

         Check if there is no  disclosure  of  delinquent  filers in response to
Item 405 of  Regulation  S-B contained in this form,  and no disclosure  will be
contained,  to the  best of  registrant's  knowledge,  in  definitive  proxy  or
information statements incorporated by reference in Part III of this Form 10-KSB
or any amendment to this Form 10-KSB. [X]

         State issuer's revenues for its most recent fiscal year.  $14.7 million
                                                                   -------------

         The aggregate  market value of the voting and non-voting  common equity
held by  non-affiliates  of the  registrant,  based on the average bid and asked
price  of the  registrant's  Common  Stock  on the  Nasdaq  Smallcap  Market  at
September 3, 2002, was $17.1 million.

         As of  September  3, 2002,  there were issued and  outstanding  932,285
shares of the registrant's Common Stock.

         Transition Small Business Disclosure Format (check one): YES     NO  X
                                                                      ---    ---

                       DOCUMENTS INCORPORATED BY REFERENCE

1.   Portions  of the Annual  Report to  Stockholders  for the Fiscal Year ended
     June 30, 2002. (Part II)
2.   Portions of the Proxy Statement for the Annual Meeting of Stockholders  for
     the Fiscal Year ended June 30, 2002. (Part III)
<PAGE>

         This Amendment No. 1 on Form 10-KSB/A  amends the annual report on Form
10-KSB for the fiscal year ended June 30, 2002,  as filed on September 24, 2002,
to include  the 302  Certifications  from the  principal  executive  officer and
principal financial officer.




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<PAGE>

                            SECTION 302 CERTIFICATION


     I, Stephen M. Gagliardi, President and Chief Executive Officer, certify
that:

1.   I have  reviewed  the annual  report on Form  10-KSB of  Advance  Financial
     Bancorp filed on September 24, 2002 ("this annual report");

2.   Based on my  knowledge,  this  annual  report  does not  contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this annual report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information included in this annual report,  fairly present in all material
     respects the financial  condition,  results of operations and cash flows of
     the registrant as of, and for, the periods presented in this annual report.

Date: October 15, 2002                    /s/Stephen M. Gagliardi
                                          --------------------------------------
                                          Stephen M. Gagliardi
                                          President and Chief Executive Officer




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<PAGE>

                            SECTION 302 CERTIFICATION


     I, Stephen M. Magnone, Treasurer, certify that:

1.   I have  reviewed  the annual  report on Form  10-KSB of  Advance  Financial
     Bancorp filed on September 24, 2002 ("this annual report");

2.   Based on my  knowledge,  this  annual  report  does not  contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this annual report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information included in this annual report,  fairly present in all material
     respects the financial  condition,  results of operations and cash flows of
     the registrant as of, and for, the periods presented in this annual report.

Date: October 15, 2002                       /s/Stephen M. Magnone
                                             -----------------------------------
                                             Stephen M. Magnone
                                             Treasurer
                                             (Principal Accounting Officer)



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