<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF GATEWAY BANCSHARES INC. FOR THE THREE MONTHS ENDED MARCH
31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                       2,445,785
<INT-BEARING-DEPOSITS>                      78,380,210
<FED-FUNDS-SOLD>                             2,700,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 16,394,331
<INVESTMENTS-CARRYING>                       4,728,189
<INVESTMENTS-MARKET>                         4,446,118
<LOANS>                                     63,762,869
<ALLOWANCE>                                    770,711
<TOTAL-ASSETS>                              92,875,195
<DEPOSITS>                                  84,791,534
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            430,634
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,395,240
<OTHER-SE>                                   3,257,787
<TOTAL-LIABILITIES-AND-EQUITY>               6,653,027
<INTEREST-LOAN>                              1,524,425
<INTEREST-INVEST>                              332,295
<INTEREST-OTHER>                                 9,908
<INTEREST-TOTAL>                             1,866,628
<INTEREST-DEPOSIT>                             987,304
<INTEREST-EXPENSE>                           1,002,803
<INTEREST-INCOME-NET>                          863,825
<LOAN-LOSSES>                                   76,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                644,988
<INCOME-PRETAX>                                244,187
<INCOME-PRE-EXTRAORDINARY>                     244,187
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   161,687
<EPS-BASIC>                                       0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    1.01
<LOANS-NON>                                    144,726
<LOANS-PAST>                                    21,205
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                391,579
<ALLOWANCE-OPEN>                               701,234
<CHARGE-OFFS>                                    7,533
<RECOVERIES>                                       510
<ALLOWANCE-CLOSE>                              770,711
<ALLOWANCE-DOMESTIC>                           770,711
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>