<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
SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                         665,705
<INT-BEARING-DEPOSITS>                       1,833,295
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,034,592
<INVESTMENTS-CARRYING>                       5,012,346
<INVESTMENTS-MARKET>                         4,584,854
<LOANS>                                     57,779,319
<ALLOWANCE>                                    641,560
<TOTAL-ASSETS>                              84,776,117
<DEPOSITS>                                  73,223,333
<SHORT-TERM>                                 1,500,000
<LIABILITIES-OTHER>                            350,702
<LONG-TERM>                                  3,300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,395,240
<OTHER-SE>                                   3,006,842
<TOTAL-LIABILITIES-AND-EQUITY>              84,776,117
<INTEREST-LOAN>                              3,434,900
<INTEREST-INVEST>                            1,106,568
<INTEREST-OTHER>                                29,359
<INTEREST-TOTAL>                             4,570,827
<INTEREST-DEPOSIT>                           2,397,343
<INTEREST-EXPENSE>                           2,462,459
<INTEREST-INCOME-NET>                        2,108,368
<LOAN-LOSSES>                                  360,000
<SECURITIES-GAINS>                               9,433
<EXPENSE-OTHER>                              1,593,151
<INCOME-PRETAX>                                463,313
<INCOME-PRE-EXTRAORDINARY>                     463,313
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   295,313
<EPS-BASIC>                                        .43
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    6.26
<LOANS-NON>                                    161,115
<LOANS-PAST>                                    32,050
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               366,158
<CHARGE-OFFS>                                   84,691
<RECOVERIES>                                        93
<ALLOWANCE-CLOSE>                              641,560
<ALLOWANCE-DOMESTIC>                           641,560
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>