<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
        This schedule contains summary financial information extracted from the
consolidated balance sheets and the statements of income of AF Bankshares, Inc.
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0001064025
<NAME>                        AF BANKSHARES, INC.

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-START>                                 JUN-30-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                          14,756,853
<INT-BEARING-DEPOSITS>                           3,943,829
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                           3,998,348
<INVESTMENTS-MARKET>                             4,161,780
<LOANS>                                         88,714,830
<ALLOWANCE>                                      1,118,495
<TOTAL-ASSETS>                                 119,541,386
<DEPOSITS>                                      94,416,698
<SHORT-TERM>                                    11,306,951
<LIABILITIES-OTHER>                              1,553,769
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            10,537
<OTHER-SE>                                      12,253,431
<TOTAL-LIABILITIES-AND-EQUITY>                 119,541,386
<INTEREST-LOAN>                                  1,871,667
<INTEREST-INVEST>                                  239,852
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                 2,111,519
<INTEREST-DEPOSIT>                                 936,552
<INTEREST-EXPENSE>                               1,023,233
<INTEREST-INCOME-NET>                            1,088,286
<LOAN-LOSSES>                                        9,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,254,119
<INCOME-PRETAX>                                    129,657
<INCOME-PRE-EXTRAORDINARY>                         129,657
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       129,657
<EPS-BASIC>                                         0.13
<EPS-DILUTED>                                         0.13
<YIELD-ACTUAL>                                        8.13
<LOANS-NON>                                         84,000
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                    87,683
<LOANS-PROBLEM>                                    397,000
<ALLOWANCE-OPEN>                                 1,122,681
<CHARGE-OFFS>                                       25,911
<RECOVERIES>                                        12,725
<ALLOWANCE-CLOSE>                                1,118,495
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,118,495


</TABLE>