<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>                   6-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                          17,412,427
<INT-BEARING-DEPOSITS>                          12,409,563
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      7,474,850
<INVESTMENTS-CARRYING>                             100,000
<INVESTMENTS-MARKET>                               100,000
<LOANS>                                         73,930,492
<ALLOWANCE>                                      1,152,541
<TOTAL-ASSETS>                                 103,572,273
<DEPOSITS>                                      87,882,164
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                603,779
<LONG-TERM>                                      2,589,991
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            10,537
<OTHER-SE>                                      11,985,362
<TOTAL-LIABILITIES-AND-EQUITY>                 103,572,273
<INTEREST-LOAN>                                  3,364,600
<INTEREST-INVEST>                                  554,741
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                 3,919,341
<INTEREST-DEPOSIT>                               1,942,509
<INTEREST-EXPENSE>                               2,018,316
<INTEREST-INCOME-NET>                            1,091,025
<LOAN-LOSSES>                                       10,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  1,980,865
<INCOME-PRETAX>                                    436,751
<INCOME-PRE-EXTRAORDINARY>                         436,751
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       279,491
<EPS-PRIMARY>                                         0.28
<EPS-DILUTED>                                         0.28
<YIELD-ACTUAL>                                        8.28
<LOANS-NON>                                        190,800
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    215,775
<ALLOWANCE-OPEN>                                 1,164,263
<CHARGE-OFFS>                                       20,112
<RECOVERIES>                                           360
<ALLOWANCE-CLOSE>                                1,152,541
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,152,541
                                               


</TABLE>