-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 WKfJ5lyZWeJeLK7eASCoUCvhF20ZK5o8ljFzxGSUNOnkg4O0mFqH9flMAqeDskl2
 Zv6DrMVPKkWGNTfMP9+c+Q==

<SEC-DOCUMENT>9999999997-02-052421.txt : 20020926
<SEC-HEADER>9999999997-02-052421.hdr.sgml : 20020926
<ACCEPTANCE-DATETIME>20020926100914
<PAPER>
ACCESSION NUMBER:		9999999997-02-052421
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20020630
FILED AS OF DATE:		20020925

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ADVANCE FINANCIAL BANCORP
		CENTRAL INDEX KEY:			0001023398
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				550753533
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-21885
		FILM NUMBER:		02058984

	BUSINESS ADDRESS:	
		STREET 1:		1015 COMMERCE STREET
		CITY:			WELLSBURG
		STATE:			WV
		ZIP:			26070
		BUSINESS PHONE:		3047373531

	MAIL ADDRESS:	
		STREET 1:		1015 COMMERCE STREET
		CITY:			WELLSBURG
		STATE:			WV
		ZIP:			26070
</SEC-HEADER>
<DOCUMENT>
<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-02-052421.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 02058984 for access to the original document.
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----