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<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
<DEPOSITS> 108,687
<SHORT-TERM> 4,000
<LIABILITIES-OTHER> 671
<LONG-TERM> 14,914
0
0
<COMMON> 11
<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
<INCOME-PRE-EXTRAORDINARY> 285
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 173
<EPS-BASIC> .17
<EPS-DILUTED> .17
<YIELD-ACTUAL> 8.65
<LOANS-NON> 173
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 783
<ALLOWANCE-OPEN> 979
<CHARGE-OFFS> 76
<RECOVERIES> 62
<ALLOWANCE-CLOSE> 1,024
<ALLOWANCE-DOMESTIC> 933
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 91
</TABLE>
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