<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, 1996 AND THE STATEMENT OF
INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         218,682
<INT-BEARING-DEPOSITS>                       2,668,828
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      47,576,647
<INVESTMENTS-MARKET>                        47,120,047
<LOANS>                                     18,222,201
<ALLOWANCE>                                     80,758
<TOTAL-ASSETS>                              69,496,168
<DEPOSITS>                                  51,490,403
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            581,089
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,139
<OTHER-SE>                                  17,413,537
<TOTAL-LIABILITIES-AND-EQUITY>              69,496,168
<INTEREST-LOAN>                              1,006,162
<INTEREST-INVEST>                            2,442,590
<INTEREST-OTHER>                               113,001
<INTEREST-TOTAL>                             3,561,753
<INTEREST-DEPOSIT>                           2,031,385
<INTEREST-EXPENSE>                           2,031,385
<INTEREST-INCOME-NET>                        1,530,368
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               2,000
<EXPENSE-OTHER>                              1,061,498<F1>
<INCOME-PRETAX>                                492,631
<INCOME-PRE-EXTRAORDINARY>                     492,631
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   342,346
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                   2.887
<LOANS-NON>                                     60,152
<LOANS-PAST>                                   254,124
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                80,758
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               80,758
<ALLOWANCE-DOMESTIC>                            80,758
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Includes $338,631 SAIF special assessment.
</FN>
        

</TABLE>