X0201 5 2003-07-01 0 0 0 0001023398 ADVANCE FINANCIAL BANCORP AFBC 0001234102 GAGLIARDI STEPHEN M 1015 COMMERCE ST WELLSBURG WV 26070 1 1 0 0 President & CEO Common Stock 2003-02-01 5 F 0 1055 0 D 10516 D The registrant owns 5,000 shares indirectly through a 401K account and 7,284 shares indirectly through an ESOP account. Stephen G. Gagliardi 2003-08-11