<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         0001064025
<NAME>                        AF BANKSHARES
<MULTIPLIER>                                                 1,000
<CURRENCY>                                                   US DOLLARS

<S>                                            <C>                <C>
<PERIOD-TYPE>                                  YEAR            12-MOS
<FISCAL-YEAR-END>                              JUN-30-2000     JUN-30-1998
<PERIOD-START>                                 JUL-01-1999     JUL-01-1999
<PERIOD-END>                                   JUN-30-2000     JUN-30-1999
<EXCHANGE-RATE>                                1,000           1,000
<CASH>                                         4,824           8,222
<INT-BEARING-DEPOSITS>                         2,599           8,173
<FED-FUNDS-SOLD>                               0               0
<TRADING-ASSETS>                               0               0
<INVESTMENTS-HELD-FOR-SALE>                    8,860           10,976
<INVESTMENTS-CARRYING>                         975             822
<INVESTMENTS-MARKET>                           975             822
<LOANS>                                        108,778         82,280
<ALLOWANCE>                                    979             1,323
<TOTAL-ASSETS>                                 133,370         109,931
<DEPOSITS>                                     102,680         93,106
<SHORT-TERM>                                   0               0
<LIABILITIES-OTHER>                            2,407           1,788
<LONG-TERM>                                    15,742          2,819
<PREFERRED-MANDATORY>                          0               0
<PREFERRED>                                    0               0
<COMMON>                                       11              11
<OTHER-SE>                                     12,529          12,207
<TOTAL-LIABILITIES-AND-EQUITY>                 133,370         109,931
<INTEREST-LOAN>                                8,598           6,807
<INTEREST-INVEST>                              605             501
<INTEREST-OTHER>                               189             571
<INTEREST-TOTAL>                               9,393           7,878
<INTEREST-DEPOSIT>                             4,069           3,770
<INTEREST-EXPENSE>                             4,685           3,957
<INTEREST-INCOME-NET>                          4,708           3,912
<LOAN-LOSSES>                                  (88)            20
<SECURITIES-GAINS>                             95              166
<EXPENSE-OTHER>                                5,660           4,348
<INCOME-PRETAX>                                781             749
<INCOME-PRE-EXTRAORDINARY>                     781             749
<EXTRAORDINARY>                                0               0
<CHANGES>                                      0               0
<NET-INCOME>                                   453             514
<EPS-BASIC>                                    .45             .52
<EPS-DILUTED>                                  .45             .52
<YIELD-ACTUAL>                                 8.62            8.18
<LOANS-NON>                                    411             60
<LOANS-PAST>                                   0               0
<LOANS-TROUBLED>                               40              0
<LOANS-PROBLEM>                                0               0
<ALLOWANCE-OPEN>                               1,123           1,164
<CHARGE-OFFS>                                  (328)           (74)
<RECOVERIES>                                   96              13
<ALLOWANCE-CLOSE>                              979             1,123
<ALLOWANCE-DOMESTIC>                           979             1,123
<ALLOWANCE-FOREIGN>                            0               0
<ALLOWANCE-UNALLOCATED>                        0               0


</TABLE>