<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>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       5,242,118
<INT-BEARING-DEPOSITS>                       7,594,112
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  7,774,459
<INVESTMENTS-CARRYING>                         298,000
<INVESTMENTS-MARKET>                           298,000
<LOANS>                                     75,189,892
<ALLOWANCE>                                  1,163,763
<TOTAL-ASSETS>                             100,802,257
<DEPOSITS>                                  85,186,650
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            655,028
<LONG-TERM>                                  2,602,797
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,537
<OTHER-SE>                                  11,783,865
<TOTAL-LIABILITIES-AND-EQUITY>             100,802,257
<INTEREST-LOAN>                              1,685,282
<INTEREST-INVEST>                              284,821
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,970,103
<INTEREST-DEPOSIT>                             981,737
<INTEREST-EXPENSE>                           1,039,718
<INTEREST-INCOME-NET>                          930,385
<LOAN-LOSSES>                                    5,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                904,466
<INCOME-PRETAX>                                235,344
<INCOME-PRE-EXTRAORDINARY>                     235,344
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   147,275
<EPS-PRIMARY>                                     0.15
<EPS-DILUTED>                                     0.15
<YIELD-ACTUAL>                                    7.85         
<LOANS-NON>                                     64,693
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                477,999
<ALLOWANCE-OPEN>                             1,164,263
<CHARGE-OFFS>                                    6,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,163,763
<ALLOWANCE-DOMESTIC>                            25,500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,138,263
                                             

</TABLE>