<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM GATEWAY
BANCORP INC.'S BALANCE SHEET AS OF SEPTEMBER 30, 1997, AND THE RELATED 
STATEMENT OF INCOME FOR THE NINE MONTHS THEN ENDED AND IS QUALIFIED IN ITS 
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          169808
<INT-BEARING-DEPOSITS>                         4849780
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                        35451058
<INVESTMENTS-MARKET>                          35836058
<LOANS>                                       21501271
<ALLOWANCE>                                      80758
<TOTAL-ASSETS>                                62608504
<DEPOSITS>                                    44859991
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             378335
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         10817
<OTHER-SE>                                  17,359,361
<TOTAL-LIABILITIES-AND-EQUITY>              62,608,504
<INTEREST-LOAN>                              1,144,977
<INTEREST-INVEST>                            2,064,632
<INTEREST-OTHER>                               187,577
<INTEREST-TOTAL>                               3317186
<INTEREST-DEPOSIT>                             1707638
<INTEREST-EXPENSE>                             1722591
<INTEREST-INCOME-NET>                          1594595
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                1500
<EXPENSE-OTHER>                                 948123
<INCOME-PRETAX>                                 665607
<INCOME-PRE-EXTRAORDINARY>                      665607
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   432,372
<EPS-PRIMARY>                                      .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    3.30
<LOANS-NON>                                     432889
<LOANS-PAST>                                     85597
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 80758
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                80758
<ALLOWANCE-DOMESTIC>                             80758
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>