<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-30-2001
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           6,945
<INT-BEARING-DEPOSITS>                             509
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,835
<INVESTMENTS-CARRYING>                           1,099
<INVESTMENTS-MARKET>                             1,099
<LOANS>                                        117,133
<ALLOWANCE>                                      1,024
<TOTAL-ASSETS>                                 141,013
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<SHORT-TERM>                                     4,000
<LIABILITIES-OTHER>                                671
<LONG-TERM>                                     14,914
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
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<OTHER-SE>                                      12,731
<TOTAL-LIABILITIES-AND-EQUITY>                 141,013
<INTEREST-LOAN>                                  2,554
<INTEREST-INVEST>                                  183
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,737
<INTEREST-DEPOSIT>                               1,166
<INTEREST-EXPENSE>                               1,418
<INTEREST-INCOME-NET>                            1,319
<LOAN-LOSSES>                                       59
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,523
<INCOME-PRETAX>                                    285
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       173
<EPS-BASIC>                                        .17
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    8.65
<LOANS-NON>                                        173
<LOANS-PAST>                                         0
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<ALLOWANCE-CLOSE>                                1,024
<ALLOWANCE-DOMESTIC>                               933
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             91


</TABLE>