You'll need to clarify your requirements before someone can recommend the best SDK for what you want to do. I'm not quite current on opencv modules but that and SourceAFIS have the benefit of being free at any project scale. AFAIK all the others are provided basically on a trial basis by biometric vendors who will eventually want you to purchase a license for every end user.
That being said any biometric scanner vendor should provide you (for free) with device drivers to get an image from their scanner. Typically you'll have to modify some sample C code to do what you're talking about, and without JNI it will likely be impossible to get a scan directly into Java. In my experience it's pretty easy to use a vendor SDK to dump an image into a BMP, so you shouldn't be discouraged even if your C skills are minimal. Of the scanner companies you mention I know that the Futronics sample application is quite simple to adapt to the kind of image acquisition you're looking for, and their basic scanners are cheap and robust.