<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  AF
BANKSHARES, INC. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                    1,000
<CURRENCY>                                     US DOLLAR
                                                                                
<S>                             <C>                         <C>                 
<PERIOD-TYPE>                   YEAR                        YEAR                
<FISCAL-YEAR-END>                            JUN-30-1998             JUN-30-1997
<PERIOD-START>                               JUL-01-1997             JUL-01-1996
<PERIOD-END>                                 JUN-30-1998             JUN-30-1997
<EXCHANGE-RATE>                               1.000                        1.000
<CASH>                                         2,950                       1,366
<INT-BEARING-DEPOSITS>                        11,358                       1,166
<FED-FUNDS-SOLD>                                  0                            0
<TRADING-ASSETS>                                  0                            0
<INVESTMENTS-HELD-FOR-SALE>                    8,095                       6,063
<INVESTMENTS-CARRYING>                           922                         874
<INVESTMENTS-MARKET>                             922                         874
<LOANS>                                       73,792                      71,267
<ALLOWANCE>                                    1,164                       1,031
<TOTAL-ASSETS>                                99,593                      82,024
<DEPOSITS>                                    82,488                      68,218
<SHORT-TERM>                                   4,116                       1,654
<LIABILITIES-OTHER>                            1,208                       1,842
<LONG-TERM>                                      295                         332
<PREFERRED-MANDATORY>                              0                           0
<PREFERRED>                                        0                           0
<COMMON>                                          11                          10
<OTHER-SE>                                    11,476                      10,969
<TOTAL-LIABILITIES-AND-EQUITY>                99,593                      82,024
<INTEREST-LOAN>                                6,668                       5,746
<INTEREST-INVEST>                                421                         377
<INTEREST-OTHER>                                 267                          90
<INTEREST-TOTAL>                               7,356                       6,213
<INTEREST-DEPOSIT>                             3,542                       3,196
<INTEREST-EXPENSE>                             3,795                       3,245
<INTEREST-INCOME-NET>                          3,562                       2,968
<LOAN-LOSSES>                                    (25)                         20
<SECURITIES-GAINS>                               306                           0
<EXPENSE-OTHER>                                3,488                       2,556
<INCOME-PRETAX>                                1,090                         561
<INCOME-PRE-EXTRAORDINARY>                     1,090                         561
<EXTRAORDINARY>                                    0                           0
<CHANGES>                                          0                           0
<NET-INCOME>                                     708                         343
<EPS-PRIMARY>                                    .73                         .44
<EPS-DILUTED>                                    .72                         .44
<YIELD-ACTUAL>                                  8.62                        8.30
<LOANS-NON>                                        0                           0
<LOANS-PAST>                                      24                         131
<LOANS-TROUBLED>                                   0                           0
<LOANS-PROBLEM>                                    0                           0
<ALLOWANCE-OPEN>                               1,031                       1,096
<CHARGE-OFFS>                                     13                          89
<RECOVERIES>                                     171                           4
<ALLOWANCE-CLOSE>                              1,164                       1,031
<ALLOWANCE-DOMESTIC>                           1,164                       1,031
<ALLOWANCE-FOREIGN>                                0                           0
<ALLOWANCE-UNALLOCATED>                            0                           0
                                                                 



</TABLE>