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    <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-weight: bold;"> <font style="font-weight: bold;">Registration No. 333-______________</font></div>
    <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-weight: bold;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-weight: bold;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-weight: bold;">As filed with the Securities and Exchange Commission on January 25, 2021</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font style="font-weight: bold;">UNITED STATES</font></div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font style="font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font style="font-weight: bold;">Washington, D.C.&#160; 20549</font></div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font style="font-weight: bold;"></font>_________________________</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">FORM S-8</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">REGISTRATION STATEMENT</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">UNDER</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">THE SECURITIES ACT OF 1933</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">Affinity Bancshares, Inc.</div>
    <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">(Exact Name of Registrant as Specified in its Charter)</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zaac6a2928fe946fabe5a9b25472753aa">

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          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">Maryland</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">86-1339773</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(State or Other Jurisdiction of</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(I.R.S. Employer Identification No.)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">Incorporation or Organization)</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">3175 Highway 278</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Covington, Georgia 30014</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"></font><font style="font-size: 8pt;">(Address of Principal Executive Offices)</font><font style="font-weight: bold;"></font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Affinity Bancshares, Inc. 2018 Equity Incentive Plan</font></div>
    <div style="text-align: center;"><font style="font-size: 8pt;">(Full Title of the Plan)</font></div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center;">Copies to:</div>
    <div style="text-align: center;"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zdee5977cc1a543b6bc001b6b759b1c44">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Mr. Edward J. Cooney</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Ned Quint, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Chief Executive Officer</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Thomas P. Hutton, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Affinity Bancshares, Inc.</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Luse Gorman, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">3175 Highway 278</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">5335 Wisconsin Ave., N.W., Suite 780</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Covington, Georgia 30014</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Washington, DC 20015-2035</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(770) 786-7088</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(202) 274-2000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(Name, Address and Telephone</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Number of Agent for Service)</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of &#8220;large
      accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;):</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z467d13d0bc3a44689203411db15260e5">

        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Large accelerated filer &#9723;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Accelerated filer &#9723;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Non-accelerated filer&#160; &#8999;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Smaller reporting company &#8999;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Emerging growth company &#8999;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. &#9723;</div>
    <div><br>
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    <div style="text-align: center; font-weight: bold;">CALCULATION OF REGISTRATION FEE</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z81be9d75c4af40e0a05cb9773d866be8">

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          <td style="width: 19.81%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Title of Securities to be Registered</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center;">Amount to be Registered <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td style="width: 24.53%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Proposed Maximum Offering Price Per Share</div>
          </td>
          <td style="width: 23.58%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center;">Proposed Maximum Aggregate Offering Price</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center;">Amount of Registration Fee</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.81%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div>Common stock, par value $0.01 per share</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">190,928<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (2)</sup></div>
          </td>
          <td style="width: 24.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">$9.1593<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></div>
          </td>
          <td style="width: 23.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$1,748,767</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$191</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.81%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div>Common stock, par value $0.01 per share</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">130,587<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> (3)</sup></div>
          </td>
          <td style="width: 24.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">$6.3934<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></div>
          </td>
          <td style="width: 23.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$834,895</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$91</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.81%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div>Common stock, par value $0.01 per share</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">133,577<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup></div>
          </td>
          <td style="width: 24.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">$10.83<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></div>
          </td>
          <td style="width: 23.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$1,446,639</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$158</div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.81%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="font-weight: bold;">Total Securities</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">455,092</div>
          </td>
          <td style="width: 24.53%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">&#822;</div>
          </td>
          <td style="width: 23.58%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$4,030,301</div>
          </td>
          <td style="width: 16.04%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$440</div>
          </td>
        </tr>

    </table>
    <div>_______________________</div>
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          <td style="width: 18pt; vertical-align: top; align: right;">(1)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Affinity Bancshares, Inc. 2018 Equity Incentive Plan (the &#8220;Equity Plan&#8221;) as a result of a
              stock split, stock dividend or similar adjustment of the outstanding common stock of Affinity Bancshares, Inc. (the &#8220;Company&#8221;) pursuant to 17 C.F.R. Section 230.416(a) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;).</div>
          </td>
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          <td style="width: 18pt; vertical-align: top; align: right;">
            <div>(2)</div>
            <div> <br>
            </div>
            <div>(3)<br>
            </div>
          </td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Represents the number of shares of common stock currently reserved for issuance for options that were granted on April 23, 2019, but have not been exercised by the recipient pursuant to the Equity Plan.</div>
            <div> Represents the number of shares of common stock currently reserved for issuance for options that were granted on April 30, 2020, but have not been exercised by the recipient pursuant to the Equity Plan.</div>
          </td>
        </tr>

    </table>
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        <tr>
          <td style="width: 18pt; vertical-align: top; align: right;">4)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Represents the number of shares of common stock reserved for issuance under the Equity Plan for any unvested awards of restricted stock and for any grants of stock options and restricted stock.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcbca5cbb981548c79146b71da2ab4012">

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          <td style="width: 18pt; vertical-align: top; align: right;">(5)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.</div>
          </td>
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    <div style="text-align: center; font-size: 12pt; font-weight: bold;">____________________</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act and 17 C.F.R. &#167; 230.462 under the Securities Act.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">PART I.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">INFORMATION REQUIRED
        IN THE SECTION 10(a) PROSPECTUS</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">Items 1 and 2.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">Plan
        Information; and Registrant Information and Employee Plan Annual Information</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Plan as specified by Rule 428(b)(1) promulgated
      by the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Such documents are not being filed with the Commission, but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of
      Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.</div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">PART II.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">INFORMATION REQUIRED
        IN THE REGISTRATION STATEMENT</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">Item 3.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">Incorporation of
        Documents by Reference</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following documents previously or concurrently filed with the Commission are hereby incorporated by reference in this Registration Statement:</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(a)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><a href="https://www.sec.gov/Archives/edgar/data/1823406/000119312520301235/d26823d424b3.htm">The latest prospectus filed by Affinity Bancshares, Inc.</a> (the &#8220;Company&#8221;) pursuant to Rule 424(b)(3) of the Securities Act with the Commission on November
      23, 2020 (Commission File No. 333-248745);</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(b)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s Quarterly Report on <a href="https://www.sec.gov/Archives/edgar/data/1823406/000156459020057490/afbi-10q_20200930.htm">Form 10-Q for the quarter ended September 30, 2020</a>, filed with the Commission on December 17, 2020 ( Commission File No. 333-248745);</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(c)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s Current Reports on Form 8-K filed with the
      Commission on <a href="https://www.sec.gov/Archives/edgar/data/1823406/000094337421000007/form8k_affinity-123020.htm">January 5, 2021</a> and <a href="https://www.sec.gov/Archives/edgar/data/1823406/000094337421000022/form8k_011221aff.htm">January
        19, 2021</a> (Commission File No. 333-248745);</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(d)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The description of the Company&#8217;s common stock contained in the
      Registration Statement on <a href="https://www.sec.gov/Archives/edgar/data/1823406/000094337421000024/affinity8a_01192021.htm">Form 8-A filed with the Commission on January 20, 2021</a><font style="font-weight: bold;">&#160;</font>to register the
      Company's common stock under the Exchange Act (Commission File No. 001-39914).</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the
      filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and to be a
      part thereof from the date of the filing of such documents.&#160; Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of this
      Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or supersedes
      such statement.&#160; Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 4.&#160; Description of Securities</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Not applicable.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 5.&#160; Interests of Named Experts and Counsel</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">None.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 6.&#160;&#160;Indemnification of Directors and Officers</div>
    <div>
      <div style="text-align: justify; text-indent: 36pt;">Articles 10 and 11 of the Articles of Incorporation of Affinity Bancshares, Inc. (the &#8220;Corporation&#8221;) set forth the circumstances under which directors, officers, employees and agents of the
        Corporation may be insured or indemnified against liability which they may occur in their capacity as such:</div>
      <div style="text-align: justify; text-indent: 36pt;"> <br>
      </div>
    </div>
    <div style="text-indent: 36pt; font-weight: bold;">ARTICLE&#160;10.&#160; Indemnification, etc. of Directors and Officers.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">A.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Indemnification.</font><font style="font-size: 12pt;">&#160; </font>The Corporation shall indemnify (1) its current and former directors and officers, whether serving the Corporation or at its request any other entity, to the
      fullest extent required or permitted by the MGCL now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2)&#160;other employees and agents to such extent as shall be
      authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section&#160;B of this Article 10 with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such
      indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">B.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Procedure.</font>&#160; If a claim under Section&#160;A of this Article&#160;10 is not paid in full by the Corporation within sixty (60) days after a written claim has been received by the Corporation, except in the case of a claim for
      an advancement of expenses, in which case the applicable period shall be twenty (20) days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim.&#160; If successful in whole or in part in
      any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be reimbursed the expense of prosecuting or defending such suit.&#160; It shall
      be a defense to any action for advancement of expenses that the Corporation has not received both (i) an undertaking as required by law to repay such advances in the event it shall ultimately be determined that the standard of conduct has not been
      met and (ii)&#160;a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met.&#160; In (i) any suit brought by the indemnitee to enforce a right to indemnification
      hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking
      the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set forth in the MGCL.&#160; Neither the failure of the Corporation (including its Board of
      Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable
      standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall
      create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit.&#160; In any suit brought by the indemnitee to enforce a right to indemnification
      or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of
      expenses, under this Article&#160;10 or otherwise shall be on the Corporation.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">C.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Non-Exclusivity.</font>&#160; The rights to indemnification and to the advancement of expenses conferred in this Article&#160;10 shall not be exclusive of any other right that any Person may have or hereafter acquire under any
      statute, these Articles, the Corporation&#8217;s Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">D.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Insurance.</font>&#160; The Corporation may maintain insurance, at its expense, to insure itself and any director, officer, employee or agent of the Corporation or another corporation, partnership, joint venture, trust or
      other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">E.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Miscellaneous.</font>&#160; The Corporation shall not be liable for any payment under this Article 10 in connection with a claim made by any indemnitee to the extent such indemnitee has otherwise actually received payment
      under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder.&#160; The rights to indemnification and to the advancement of expenses conferred in Sections A and B of this Article 10 shall be contract rights and
      such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee&#8217;s heirs, executors and administrators.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"> <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">F.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Limitations Imposed by Federal Law. </font> Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the Corporation pursuant to this Article 10 exceed the amount
      permissible under applicable federal law, including, without limitation, Section 18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any repeal or modification of this Article&#160;10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the
      obligations of the Corporation arising hereunder with respect to events occurring, or claims made, while this Article 10 is in force.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">ARTICLE 11.&#160; Limitation of Liability.</font>&#160; An officer or director of the Corporation, as such, shall not be liable to the Corporation or its
      stockholders for money damages, except (A)&#160;to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services, for the amount of the benefit or profit in money, property or services actually
      received; or (B) to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person&#8217;s action, or failure to act, was the result of active and deliberate
      dishonesty and was material to the cause of action adjudicated in the proceeding; or (C) to the extent otherwise provided by the MGCL.&#160; If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the
      liability of officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the
      Corporation existing at the time of such repeal or modification.</div>
    <div style="text-align: justify; font-weight: bold;">Item 7.&#160; Exemption From Registration Claimed.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Not applicable.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 8.&#160; List of Exhibits.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="za4333281c6a440b598e5b9be847fac01">

        <tr>
          <td style="width: 20.45%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Regulation S-K</div>
            <div style="text-align: center;">Exhibit Number</div>
          </td>
          <td style="width: 5.38%; vertical-align: bottom;">&#160;</td>
          <td style="width: 74.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1823406/000119312520244110/d26823dex4.htm">4</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Form of Common Stock Certificate (incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1, as amended (File No. 333-248745), originally filed on September 11, 2020, as amended)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex-5.htm#POWEROFATTORNEY">5</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Opinion of Luse Gorman, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1691507/000119312518220401/d690728ddef14a.htm">10.1</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Affinity Bancshares, Inc. 2018 Equity Incentive Plan (formerly known as Community First Bancshares, Inc. 2018 Equity Incentive Plan) (incorporated by reference to Appendix A to the proxy statement for the Special Meeting of Stockholders of
              Community First Bancshares, Inc. (File No. 001-38074), filed by Community First Bancshares, Inc. (the Company&#8217;s predecessor) on July 18, 2018)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1691507/000094337418000319/ex10-2.htm">10.2</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Form of Restricted Stock Award Agreement (incorporated by reference to Exhibit 10.2 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company&#8217;s predecessor) on September 6,
              2018)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1691507/000094337418000319/ex10-3.htm">10.3</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Form of Incentive Stock Option Award Agreement (incorporated by reference to Exhibit 10.3 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company&#8217;s predecessor) on September
              6, 2018)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1691507/000094337418000319/ex10-4.htm">10.4</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Form of Non-Qualified Stock Option Award Agreement (incorporated by reference to Exhibit 10.4 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company&#8217;s predecessor) on
              September 6, 2018)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex-5.htm">23.1</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Consent of Luse Gorman, PC (contained in Exhibit 5)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-2.htm">23.2</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Consent of Wipfil LLP (Independent Registered Public Accounting Firm)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-3.htm">23.3</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Consent of Maudlin &amp; Jenkins, LLC (Independent Registered Public Accounting Firm)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-4.htm">23.4</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Consent of Porter Keadle Moore LLC (Independent Registered Public Accounting Firm)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="#POWEROFATTORNEY">24</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">
            <div>Power of Attorney (contained on signature page)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc730b18378914f7b8b63d2e92e71243a">

        <tr>
          <td style="width: 72pt; vertical-align: top; align: right; font-weight: bold;">Item 9.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">Undertakings</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned registrant hereby undertakes:</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">1.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>To file, during any period in which offers or sales are being
      made, a post-effective amendment to the Registration Statement to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the
      Registration Statement;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">2.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>That, for the purpose of determining any liability under the
      Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">3.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>To remove from registration by means of a post-effective
      amendment any of the securities being registered which remain unsold at the termination of the offering;</div>
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      pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">The Registrant.</font>&#160; Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
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            <div style="text-align: justify; font-weight: bold;">AFFINITY BANCSHARES, INC.</div>
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    <div style="text-align: center; font-weight: bold;"><a name="POWEROFATTORNEY"><!--Anchor--></a>POWER OF ATTORNEY</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We, the undersigned directors and officers of Affinity Bancshares, Inc. (the &#8220;Company&#8221;) hereby severally constitute and appoint Edward J. Cooney, as our true and lawful attorney
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      Bancshares, Inc. 2018 Equity Incentive Plan, including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective
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Registration No. 333-______________
As filed with the Securities and Exchange Commission on January 25, 2021
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
_________________________
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Affinity Bancshares, Inc.
(Exact Name of Registrant as Specified in its Charter)
Maryland
86-1339773
(State or Other Jurisdiction of
(I.R.S. Employer Identification No.)
Incorporation or Organization)
3175 Highway 278
Covington, Georgia 30014
(Address of Principal Executive Offices)
Affinity Bancshares, Inc. 2018 Equity Incentive Plan
(Full Title of the Plan)
Copies to:
Mr. Edward J. Cooney
Ned Quint, Esquire
Chief Executive Officer
Thomas P. Hutton, Esquire
Affinity Bancshares, Inc.
Luse Gorman, PC
3175 Highway 278
5335 Wisconsin Ave., N.W., Suite 780
Covington, Georgia 30014
Washington, DC 20015-2035
(770) 786-7088
(202) 274-2000
(Name, Address and Telephone
Number of Agent for Service)
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of "large
      accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"):
Large accelerated filer ◻
Accelerated filer ◻
Non-accelerated filer  ⌧
Smaller reporting company ⌧
Emerging growth company ⌧
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. ◻
CALCULATION OF REGISTRATION FEE
Title of Securities to be Registered
Amount to be Registered
(1)
Proposed Maximum Offering Price Per Share
Proposed Maximum Aggregate Offering Price
Amount of Registration Fee
Common stock, par value $0.01 per share
190,928
(2)
$9.1593
(5)
$1,748,767
$191
Common stock, par value $0.01 per share
130,587
(3)
$6.3934
(5)
$834,895
$91
Common stock, par value $0.01 per share
133,577
(4)
$10.83
(5)
$1,446,639
$158
Total Securities
455,092
̶
$4,030,301
$440
_______________________
(1)
Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Affinity Bancshares, Inc. 2018 Equity Incentive Plan (the "Equity Plan") as a result of a
              stock split, stock dividend or similar adjustment of the outstanding common stock of Affinity Bancshares, Inc. (the "Company") pursuant to 17 C.F.R. Section 230.416(a) under the Securities Act of 1933, as amended (the "Securities Act").
(2)
(3)
Represents the number of shares of common stock currently reserved for issuance for options that were granted on April 23, 2019, but have not been exercised by the recipient pursuant to the Equity Plan.
Represents the number of shares of common stock currently reserved for issuance for options that were granted on April 30, 2020, but have not been exercised by the recipient pursuant to the Equity Plan.
4)
Represents the number of shares of common stock reserved for issuance under the Equity Plan for any unvested awards of restricted stock and for any grants of stock options and restricted stock.
(5)
Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.
____________________
This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act and 17 C.F.R. § 230.462 under the Securities Act.
2
PART I.
INFORMATION REQUIRED
        IN THE SECTION 10(a) PROSPECTUS
Items 1 and 2.
Plan
        Information; and Registrant Information and Employee Plan Annual Information
The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Plan as specified by Rule 428(b)(1) promulgated
      by the Securities and Exchange Commission (the "Commission") under the Securities Act.
Such documents are not being filed with the Commission, but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of
      Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.
PART II.
INFORMATION REQUIRED
        IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of
        Documents by Reference
The following documents previously or concurrently filed with the Commission are hereby incorporated by reference in this Registration Statement:
(a)
The latest prospectus filed by Affinity Bancshares, Inc.
(the "Company") pursuant to Rule 424(b)(3) of the Securities Act with the Commission on November
      23, 2020 (Commission File No. 333-248745);
(b)
The Company's Quarterly Report on
Form 10-Q for the quarter ended September 30, 2020
, filed with the Commission on December 17, 2020 ( Commission File No. 333-248745);
(c)
The Company's Current Reports on Form 8-K filed with the
      Commission on
January 5, 2021
and
January
        19, 2021
(Commission File No. 333-248745);
(d)
The description of the Company's common stock contained in the
      Registration Statement on
Form 8-A filed with the Commission on January 20, 2021
to register the
      Company's common stock under the Exchange Act (Commission File No. 001-39914).
All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the
      filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and to be a
      part thereof from the date of the filing of such documents.  Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of this
      Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or supersedes
      such statement.  Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.
All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.
Item 4.  Description of Securities
Not applicable.
Item 5.  Interests of Named Experts and Counsel
None.
3
Item 6.  Indemnification of Directors and Officers
Articles 10 and 11 of the Articles of Incorporation of Affinity Bancshares, Inc. (the "Corporation") set forth the circumstances under which directors, officers, employees and agents of the
        Corporation may be insured or indemnified against liability which they may occur in their capacity as such:
ARTICLE 10.  Indemnification, etc. of Directors and Officers.
A.
Indemnification.
The Corporation shall indemnify (1) its current and former directors and officers, whether serving the Corporation or at its request any other entity, to the
      fullest extent required or permitted by the MGCL now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2) other employees and agents to such extent as shall be
      authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section B of this Article 10 with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such
      indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.
B.
Procedure.
If a claim under Section A of this Article 10 is not paid in full by the Corporation within sixty (60) days after a written claim has been received by the Corporation, except in the case of a claim for
      an advancement of expenses, in which case the applicable period shall be twenty (20) days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim.  If successful in whole or in part in
      any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be reimbursed the expense of prosecuting or defending such suit.  It shall
      be a defense to any action for advancement of expenses that the Corporation has not received both (i) an undertaking as required by law to repay such advances in the event it shall ultimately be determined that the standard of conduct has not been
      met and (ii) a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met.  In (i) any suit brought by the indemnitee to enforce a right to indemnification
      hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii) any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking
      the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set forth in the MGCL.  Neither the failure of the Corporation (including its Board of
      Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable
      standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall
      create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit.  In any suit brought by the indemnitee to enforce a right to indemnification
      or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of
      expenses, under this Article 10 or otherwise shall be on the Corporation.
C.
Non-Exclusivity.
The rights to indemnification and to the advancement of expenses conferred in this Article 10 shall not be exclusive of any other right that any Person may have or hereafter acquire under any
      statute, these Articles, the Corporation's Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.
D.
Insurance.
The Corporation may maintain insurance, at its expense, to insure itself and any director, officer, employee or agent of the Corporation or another corporation, partnership, joint venture, trust or
      other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.
E.
Miscellaneous.
The Corporation shall not be liable for any payment under this Article 10 in connection with a claim made by any indemnitee to the extent such indemnitee has otherwise actually received payment
      under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder.  The rights to indemnification and to the advancement of expenses conferred in Sections A and B of this Article 10 shall be contract rights and
      such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee's heirs, executors and administrators.
4
F.
Limitations Imposed by Federal Law.
Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the Corporation pursuant to this Article 10 exceed the amount
      permissible under applicable federal law, including, without limitation, Section 18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.
Any repeal or modification of this Article 10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the
      obligations of the Corporation arising hereunder with respect to events occurring, or claims made, while this Article 10 is in force.
ARTICLE 11.  Limitation of Liability.
An officer or director of the Corporation, as such, shall not be liable to the Corporation or its
      stockholders for money damages, except (A) to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services, for the amount of the benefit or profit in money, property or services actually
      received; or (B) to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person's action, or failure to act, was the result of active and deliberate
      dishonesty and was material to the cause of action adjudicated in the proceeding; or (C) to the extent otherwise provided by the MGCL.  If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the
      liability of officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.
Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the
      Corporation existing at the time of such repeal or modification.
Item 7.  Exemption From Registration Claimed.
Not applicable.
Item 8.  List of Exhibits.
Regulation S-K
Exhibit Number
Document
4
Form of Common Stock Certificate (incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1, as amended (File No. 333-248745), originally filed on September 11, 2020, as amended)
5
Opinion of Luse Gorman, PC
10.1
Affinity Bancshares, Inc. 2018 Equity Incentive Plan (formerly known as Community First Bancshares, Inc. 2018 Equity Incentive Plan) (incorporated by reference to Appendix A to the proxy statement for the Special Meeting of Stockholders of
              Community First Bancshares, Inc. (File No. 001-38074), filed by Community First Bancshares, Inc. (the Company's predecessor) on July 18, 2018)
10.2
Form of Restricted Stock Award Agreement (incorporated by reference to Exhibit 10.2 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company's predecessor) on September 6,
              2018)
10.3
Form of Incentive Stock Option Award Agreement (incorporated by reference to Exhibit 10.3 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company's predecessor) on September
              6, 2018)
10.4
Form of Non-Qualified Stock Option Award Agreement (incorporated by reference to Exhibit 10.4 to the Registration Statement on Form S-8 (File No. 333-227212), filed by Community First Bancshares, Inc. (the Company's predecessor) on
              September 6, 2018)
23.1
Consent of Luse Gorman, PC (contained in Exhibit 5)
23.2
Consent of Wipfil LLP (Independent Registered Public Accounting Firm)
23.3
Consent of Maudlin & Jenkins, LLC (Independent Registered Public Accounting Firm)
23.4
Consent of Porter Keadle Moore LLC (Independent Registered Public Accounting Firm)
24
Power of Attorney (contained on signature page)
5
Item 9.
Undertakings
The undersigned registrant hereby undertakes:
1.
To file, during any period in which offers or sales are being
      made, a post-effective amendment to the Registration Statement to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the
      Registration Statement;
2.
That, for the purpose of determining any liability under the
      Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof;
3.
To remove from registration by means of a post-effective
      amendment any of the securities being registered which remain unsold at the termination of the offering;
4.
That, for purposes of determining any liability under the
      Securities Act, each filing of the registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the
      securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof;
5.
The undersigned registrant hereby undertakes that, for purposes
      of determining any liability under the Securities Act of 1933, each filing of the registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report
      pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that
      time shall be deemed to be the initial bona fide offering thereof; and
6.
Insofar as indemnification for liabilities arising under the
      Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against
      public policy as expressed in the Securities Act and is, therefore, unenforceable.  In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer
      or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the
      opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be
      governed by the final adjudication of such issue.
6
SIGNATURES
The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
      believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement on Form S-8 to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Covington, State of Georgia, on
      January 25, 2021.
AFFINITY BANCSHARES, INC.
By:
/s/ Edward J. Cooney
Edward J. Cooney
Chief Executive Officer
(Duly Authorized Representative)
POWER OF ATTORNEY
We, the undersigned directors and officers of Affinity Bancshares, Inc. (the "Company") hereby severally constitute and appoint Edward J. Cooney, as our true and lawful attorney
      and agent, to do any and all things in our names in the capacities indicated below which said Edward J. Cooney may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, as amended, and any rules, regulations and
      requirements of the Securities and Exchange Commission, in connection with the registration of shares of common stock to be granted and shares of common stock to be issued upon the exercise of stock options to be granted under the Affinity
      Bancshares, Inc. 2018 Equity Incentive Plan, including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective
      amendments) thereto; and we hereby approve, ratify and confirm all that said Edward J. Cooney shall do or cause to be done by virtue thereof.
Pursuant to the requirements of the Securities Act of 1933, as amended, this registration statement has been signed by the following persons in the capacities and on the date
      indicated.
Signatures
Title
Date
/s/ Edward J. Cooney
Chief Executive Officer
January 25, 2021
Edward J. Cooney
and Director
(Principal Executive Officer)
/s/ Tessa M. Nolan
Senior Vice President and Chief
January 25, 2021
Tessa M. Nolan
Financial Officer (Principal Financial and Accounting Officer)
Chairman of the Board
William D. Fortson, Jr.
/s/ Marshall L. Ginn
Director
January 25, 2021
Marshall L. Ginn
Signatures
Title
Date
Director
Bob W. Richardson
Director
Robin S. Reich
/s/ Howard G. Roberts
Director
January 25, 2021
Howard G. Roberts
/s/Mark J. Ross
Director
January 25, 2021
Mark J. Ross
/s/ Edward P. Stone
Director
January 25, 2021
Edward P. Stone