<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>                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-2000
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               MAR-31-2000
<CASH>                                           6,902
<INT-BEARING-DEPOSITS>                           1,701
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,525
<INVESTMENTS-CARRYING>                             781
<INVESTMENTS-MARKET>                               781
<LOANS>                                        103,387
<ALLOWANCE>                                        996
<TOTAL-ASSETS>                                 127,854
<DEPOSITS>                                     103,086
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,376
<LONG-TERM>                                      9,981
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<PREFERRED>                                          0
<COMMON>                                            11
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<TOTAL-LIABILITIES-AND-EQUITY>                 127,854
<INTEREST-LOAN>                                  6,130
<INTEREST-INVEST>                                  612
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,742
<INTEREST-DEPOSIT>                               2,987
<INTEREST-EXPENSE>                               3,431
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<LOAN-LOSSES>                                       48
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<INCOME-PRE-EXTRAORDINARY>                         571
<EXTRAORDINARY>                                      0
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<EPS-BASIC>                                        .35
<EPS-DILUTED>                                      .35
<YIELD-ACTUAL>                                    8.50
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<ALLOWANCE-DOMESTIC>                               981
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             15



</TABLE>