X0203 3 2009-11-12 1 0001472093 Athens Bancshares Corp AFCB 0001472963 Cathcart Elaine M 106 WASHINGTON AVENUE ATHENS TN 37303 1 No Securities Are Beneficially Owned; Exhibit List: Exhibit 24 Power of Attorney, emcpoa.TXT Elaine M. Cathcart 2009-11-12