<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                       0001064025
<NAME>                   AF BANKSHARES
<MULTIPLIER>                                     1,000
<CURRENCY>                                  US DOLLARS

<S>                        <C>              <C>
<PERIOD-TYPE>                    12-MOS           YEAR
<FISCAL-YEAR-END>           JUN-30-1999    JUN-30-1999
<PERIOD-START>              JUL-01-1998    JUL-01-1998
<PERIOD-END>                JUN-30-1999    JUN-30-1999
<EXCHANGE-RATE>                   1.000          1.000
<CASH>                            8,222          2,950
<INT-BEARING-DEPOSITS>            4,173         11,839
<FED-FUNDS-SOLD>                      0              0
<TRADING-ASSETS>                      0              0
<INVESTMENTS-HELD-FOR-SALE>      10,976          8,075
<INVESTMENTS-CARRYING>              822            922
<INVESTMENTS-MARKET>                822            922
<LOANS>                          82,280         73,792
<ALLOWANCE>                       1,123          1,164
<TOTAL-ASSETS>                  109,931        100,074
<DEPOSITS>                       93,106         82,488
<SHORT-TERM>                          0              0
<LIABILITIES-OTHER>               1,788          1,689
<LONG-TERM>                       2,819          4,411
<PREFERRED-MANDATORY>                 0              0
<PREFERRED>                           0              0
<COMMON>                             11             11
<OTHER-SE>                       12,207         11,475
<TOTAL-LIABILITIES-AND-EQUITY>  109,931        100,074
<INTEREST-LOAN>                   6,807          6,667
<INTEREST-INVEST>                   501            422
<INTEREST-OTHER>                    571            267
<INTEREST-TOTAL>                  7,879          7,356
<INTEREST-DEPOSIT>                3,770          3,542
<INTEREST-EXPENSE>                3,967          3,795
<INTEREST-INCOME-NET>             3,912          3,561
<LOAN-LOSSES>                        20           (25)
<SECURITIES-GAINS>                  166            306
<EXPENSE-OTHER>                   4,348          3,488
<INCOME-PRETAX>                     749          1,090
<INCOME-PRE-EXTRAORDINARY>          749          1,090
<EXTRAORDINARY>                       0              0
<CHANGES>                             0              0
<NET-INCOME>                        514            708
<EPS-BASIC>                       .52            .73
<EPS-DILUTED>                       .52            .72
<YIELD-ACTUAL>                     8.18           8.62
<LOANS-NON>                          60              0
<LOANS-PAST>                          0             24
<LOANS-TROUBLED>                      0              0
<LOANS-PROBLEM>                       0              0
<ALLOWANCE-OPEN>                  1,164          1,031
<CHARGE-OFFS>                      (74)           (13)
<RECOVERIES>                         13            171
<ALLOWANCE-CLOSE>                 1,123          1,164
<ALLOWANCE-DOMESTIC>              1,123          1,164
<ALLOWANCE-FOREIGN>                   0              0
<ALLOWANCE-UNALLOCATED>               0              0


</TABLE>