<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Gateway
Bancorp Inc's balance sheet as of June 30, 1997, and the related statement of
income for the six months then ended and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JAN-30-1997
<CASH>                                          82,847
<INT-BEARING-DEPOSITS>                       2,278,685
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      39,557,928
<INVESTMENTS-MARKET>                        39,802,000
<LOANS>                                     21,085,949
<ALLOWANCE>                                     80,758
<TOTAL-ASSETS>                              63,828,329
<DEPOSITS>                                  46,317,816
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            248,336
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,758
<OTHER-SE>                                  17,251,419
<TOTAL-LIABILITIES-AND-EQUITY>              63,828,329
<INTEREST-LOAN>                                748,995
<INTEREST-INVEST>                            1,419,976
<INTEREST-OTHER>                                65,936
<INTEREST-TOTAL>                             2,234,907
<INTEREST-DEPOSIT>                           1,155,149
<INTEREST-EXPENSE>                           1,169,777
<INTEREST-INCOME-NET>                        1,065,130
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                530,449
<INCOME-PRETAX>                                541,531
<INCOME-PRE-EXTRAORDINARY>                     541,531
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   348,492
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                    441,000
<LOANS-PAST>                                    88,000
<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
        

</TABLE>