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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549

FORM 10-Q

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES
EXCHANGE ACT OF 1934

For The Quarterly Period Ended             December 31, 2002          

Commission File Number                     0-19022                    

                     Gateway Tax Credit Fund II Ltd.                  
          (Exact name of Registrant as specified in its charter)      

            Florida                            65-0142704           
(State or other jurisdiction of             ( I.R.S. Employer No.)
incorporation or organization)

   880 Carillon Parkway,  St. Petersburg,  Florida        33716      
 (Address of principal executive offices)                 (Zip Code)

Registrant's Telephone Number, Including Area Code:   (727)567-3800  


Indicate by check mark whether the Registrant: (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period
that the Registrant was required to file such reports), and (2) has
been subject to such filing requirements for the past 90 days.

                           YES     X          NO          


                                                    Number of Units
     Title of Each Class                            December 31,2002

Beneficial Assignee Certificates:
$1,000 per certificate                                   37,228

DOCUMENTS INCORPORATED BY REFERENCE

Parts I and II, 2002 Form 10-K, filed with the
Securities and Exchange Commission on July 11, 2002
Parts III and IV - Form S-11 Registration Statement
and all amendments and supplements thereto
File No. 33-31821


PART I - Financial Information
  Item 1. Financial Statements

GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

SERIES 2

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
 Investments in Securities

    Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:
 Payable to General Partners

    Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest consisting of 40,000 authorized BAC's,of which 6,136 at December 31, 2002 and March 31, 2002 have been issued to the assignees
Assignees
 Units of beneficial interest of the limited partnership interest of the assignor limited partner, $1,000 stated value per BAC, 6,136 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$  237,252 
57,529 
- ---------- 
294,781 

160,523 

7,186 
- ---------- 
$  462,490 
========== 


$   46,304 
- ---------- 
46,304 
- ---------- 

448,624 
- ----------- 













21,686 
(54,124)
- ----------
(32,438)
- ---------- 

$  462,490 
========== 



$  235,805 
56,098 
- ---------- 
291,903 

205,743 

78,301 
- ---------- 
$  575,947 
========== 


$   54,118 
- ---------- 
54,118 
- ---------- 

429,262 
- ---------- 













145,441 
(52,874)
- ---------- 
92,567 
- ---------- 

$  575,947 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

SERIES 3

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
 Investments in Securities

  Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:

 Payable to General Partners

  Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest
consisting of 40,000 authorized BAC's,
of which 5,456 at December 31, 2002 and
March 31, 2002 have been issued to the
assignees
Assignees
 Units of beneficial interest of the
limited partnership interest of the
assignor limited partner, $1,000 stated
value per BAC, 5,456 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$  198,066 
51,171 
- ---------- 
249,237 

142,782 

7,210 
- ---------- 
$  399,229 
========== 



$   50,875 
- ---------- 
50,875 
- ---------- 

329,986 
- ---------- 













66,001 
(47,633)
- ---------- 
18,368 
- ---------- 

$  399,229 
========== 



$  198,028 
49,898 
- ---------- 
247,926 

183,003 

34,601 
- ---------- 
$  465,530 
========== 



$  58,717 
- ---------- 
58,717 
- ---------- 

319,290 
- ---------- 













134,464 
(46,941)
- ---------- 
87,523 
- ---------- 

$  465,530 
===========

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

SERIES 4

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
 Investments in Securities

  Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:
 Payable to General Partners

  Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest
consisting of 40,000 authorized BAC's,
of which 6,915 at December 31, 2002 and
March 31, 2002 have been issued to the
assignees
Assignees
 Units of beneficial interest of the
limited partnership interest of the
assignor limited partner, $1,000 stated
value per BAC, 6,915 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$  273,267 
64,828 
- ---------- 
338,095 

180,890 

7,089 
- ---------- 
$  526,074 
========== 


$   56,871 
- ---------- 
56,871 
- ---------- 

433,630 
- ---------- 













95,872 
(60,299)
- ---------- 
35,573 
- ---------- 

$  526,074 
========== 



$  272,179 
63,215 
- ---------- 
335,394 

231,848 

96,741 
- ---------- 
$  663,983 
========== 


$   66,364 
- ---------- 
66,364 
- ---------- 

415,676 
- ---------- 













240,778 
(58,835)
- ---------- 
181,943 
- ---------- 

$  663,983 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

SERIES 5

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
 Investments in Securities

  Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:
 Payable to General Partners

  Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest
consisting of 40,000 authorized BAC's, of which 8,616 at December 31, 2002 and March 31, 2002 have been issued to the assignees
Assignees
 Units of beneficial interest of the
limited partnership interest of the
assignor limited partner, $1,000 stated value per BAC, 8,616 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$  379,536 
80,800 
- ---------- 
460,336 

225,456 

440,261 
- ---------- 
$ 1,126,053 
=========== 


$   75,814 
- ----------- 
75,814 
- ----------- 

436,938 
- ----------- 













682,792 
(69,491)
- ----------- 
613,301 
- ----------- 

$ 1,126,053 
=========== 



$  380,377 
78,790 
- ---------- 
459,167 

288,968 

550,146 
- ---------- 
$ 1,298,281 
=========== 


$   87,779 
- ----------- 
87,779 
- ----------- 

417,637 
- ----------- 













860,560 
(67,695)
- ----------- 
792,865 
- ----------- 

$ 1,298,281 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

SERIES 6

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
 Investments in Securities

  Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:
 Payable to General Partners

  Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest
consisting of 40,000 authorized BAC's,
of which 10,105 at December 31, 2002
and March 31, 2002 have been issued to
the assignees
Assignees
 Units of beneficial interest of the
limited partnership interest of the
assignor limited partner, $1,000 stated
value per BAC, 10,105 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$  369,152 
65,936 
- ---------- 
435,088 

255,025 

1,090,960 
- ---------- 
$ 1,781,073 
=========== 


$   72,077 
- ----------- 
72,077 
- ----------- 

565,065 
- ----------- 













1,221,217 
(77,286)
- ----------- 
1,143,931 
- ----------- 

$ 1,781,073 
=========== 



$  455,377 
62,622 
- ---------- 
517,999 

241,587 

1,257,026 
- ---------- 
$ 2,016,612 
============ 


$   83,891 
- ----------- 
83,891 
- ----------- 

536,157 
- ----------- 













1,471,324 
(74,760)
- ----------- 
1,396,564 
- ----------- 

$ 2,016,612 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
BALANCE SHEETS

TOTAL SERIES 2 - 6

December 31,
2002
- ---------
(Unaudited)

March 31,
2002
- ----------
(Audited)

ASSETS
Current Assets:
 Cash and Cash Equivalents
  Investments in Securities

  Total Current Assets

 Investments in Securities
 Investments in Project Partnerships,  Net

    Total Assets

LIABILITIES AND PARTNERS' EQUITY
Current Liabilities:
 Payable to General Partners

  Total Current Liabilities

Long-Term Liabilities:
 Payable to General Partners

Partners' Equity (deficit):
Assignor Limited Partner
 Units of limited partnership interest
consisting of 40,000 authorized BAC's,
of which 37,228 at December 31, 2002 and
March 31, 2002 have been issued to the
assignees
Assignees
 Units of beneficial interest of the
limited partnership interest of the
assignor limited partner, $1,000 stated
value per BAC, 37,228 at December 31, 2002 and March 31, 2002, issued and outstanding
General Partners

  Total Partners' Equity

    Total Liabilities and Partners'     Equity



$ 1,457,273 
320,264 
- ---------- 
1,777,537 

964,676 

1,552,706 
- ---------- 
$ 4,294,919 
========== 


$  301,941 
- ----------
301,941 
- ---------- 

2,214,243 
- ---------- 













2,087,568 
(308,833)
- ----------- 
1,778,735 
- ----------- 

$ 4,294,919 
=========== 



$ 1,541,766 
310,623 
- ----------- 
1,852,389 

1,151,149 

2,016,815 
- ----------- 
$ 5,020,353 
=========== 


$  350,869 
- ----------- 
350,869 
- ----------- 

2,118,022 
- ----------- 













2,852,567 
(301,105)
- ----------- 
2,551,462 
- ----------- 

$5,020,353 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 2

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of Project
Partnerships
Equity in Gain or Losses of Project
Partnerships

Net Gain or Loss

Allocation of Net Gain or Loss:
 Assignees
 General Partners



Net Gain or Loss Per Beneficial
 Assignee Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$    4,755 
- ---------- 

17,050 

3,638 
883 
174 
- ---------- 
21,745 
- ---------- 

(16,990)

(21,606)
- ---------- 
$  (38,596)
========== 

(38,210)
(386)
- ---------- 
$  (38,596)
========== 

$    (6.23)
========== 
6,136 
========== 


$    6,024 
- ---------- 

17,090 

3,029 
1,014 
450 
- ---------- 
21,583 
- ---------- 

(15,559)

(6,181)
- ---------- 
$  (21,740)
========== 

(21,523)
(217)
- ---------- 
$  (21,740)
========== 

$    (3.51)
========== 
6,136 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 3

2002 
- ---- 

2001 
- ---- 

Revenues:
Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Gain or Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial
 Assignee Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$    4,197 
- ---------- 

15,723 

3,803 
1,195 
280 
- ---------- 
21,001 
- ---------- 

(16,804)

(4,952)
- ---------- 
$  (21,756)
========== 

(21,538)
(218)
- ----------
$  (21,756)
========== 

$    (3.95)
========== 
5,456 
========== 


$    5,298 
- ---------- 

15,776 

3,168 
1,077 
280 
- ---------- 
20,301 
- ---------- 

(15,003)

860 
- ---------- 
$  (14,143)
========== 

(14,002)
(141)
- ----------
$  (14,143)
========== 

$    (2.57)
========== 
5,456 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 4

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Gain or Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   5,375 
- ---------- 

19,369 

4,796 
1,764 
988 
- ---------- 
26,917 
- ---------- 

(21,542)

(7,990)
- ---------- 
$ (29,532)
========== 

(29,237)
(295)
- ---------- 
$ (29,532)
========== 

$   (4.23)
========== 
6,915 
========== 


$   6,852 
- ---------- 

19,415 

3,994 
1,258 
1,322 
- ---------- 
25,989 
- ---------- 

(19,137)

(21,267)
- ---------- 
$ (40,404)
========== 

(40,000)
(404)
- ---------- 
$ (40,404)
========== 

$   (5.78)
========== 
6,915 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 5

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Gain or Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   6,790 
- ---------- 

23,939 

5,953 
2,051 
1,278 
- ---------- 
33,221 
- ---------- 

(26,431)

(44,581)
- ---------- 
$ (71,012)
========== 

(70,302)
(710)
- ---------- 
$ (71,012)
========== 

$   (8.16)
========== 
8,616 
========== 


$   8,697 
- ---------- 

24,002 

4,958 
1,493 
1,278 
- ---------- 
31,731 
- ---------- 

(23,034)

(72,495)
- ---------- 
$ (95,529)
========== 

(94,574)
(955)
- ---------- 
$ (95,529)
========== 

$  (10.98)
========== 
8,616 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 6

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Gain or Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   6,576 
- --------- 

26,438 

6,284 
2,742 
2,363 
- --------- 
37,827 
- --------- 

(31,251)

(55,023)
- --------- 
$ (86,274)
========= 

(85,411)
(863)
- --------- 
$ (86,274)
========= 

$   (8.45)
========= 
10,105 
========= 


$   8,310 
- --------- 

26,351 

5,234 
1,690 
3,329 
- --------- 
36,604 
- --------- 

(28,294)

(98,089)
- --------- 
$(126,383)
========= 

(125,119)
(1,264)
- --------- 
$(126,383)
========= 

$  (12.38)
========= 
10,105 
========= 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE THREE MONTHS ENDED DECEMBER 31,
(Unaudited)

TOTAL SERIES 2 - 6

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Gain or Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners


$   27,693 
- ---------- 

102,519 

24,474 
8,635 
5,083 
- ---------- 
140,711 
- ---------- 

(113,018)

(134,152)
- ---------- 
$(247,170)
========== 

(244,698)
(2,472)
- ---------- 
$(247,170)
========== 


$   35,181 
- ---------- 

102,634 

20,383 
6,532 
6,659 
- ---------- 
136,208 
- ---------- 

(101,027)

(197,172)
- ---------- 
$(298,199)
========== 

(295,218)
(2,981)
- ---------- 
$(298,199)
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 2

2002
- ----

2001
- ----

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial
 Assignee Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   14,430 
- ---------- 

51,150 

14,845 
7,382 
522 
- ---------- 
73,899 
- ---------- 

(59,469)
(65,536)
- ---------- 
$ (125,005)
========== 

(123,755)
(1,250)
- ---------- 
$ (125,005)
========== 

$   (20.17)
==========
6,136 
==========


$   20,152 
- ---------- 

51,270 

9,089 
6,538 
1,350 
- ---------- 
68,247 
- -----------

(48,095)
(7,114)
- ---------- 
$  (55,209)
========== 

(54,657)
(552)
- ---------- 
$  (55,209)
========== 

$    (8.91)
==========
6,136 
==========

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 3

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project
 Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial
 Assignee Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$  12,756 
- --------- 

47,178 

15,520 
7,475 
840 
- --------- 
71,013 
- --------- 

(58,257)

(10,898)
- --------- 
$ (69,155)
========= 

(68,463)
(692)
- --------- 
$ (69,155)
========= 

$  (12.55)
========= 
5,456 
========= 


$  17,540 
- --------- 

47,328 

9,504 
6,948 
840 
- --------- 
64,620 
- --------- 

(47,080)

(4,715)
- --------- 
$ (51,795)
========= 

(51,277)
(518)
- --------- 
$ (51,795)
========= 

$   (9.40)
==========
5,456 
========= 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 4

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   16,345 
- ---------- 

58,107 

19,569 
9,528 
2,964 
- ---------- 
90,168 
- ---------- 

(73,823)
(72,547)
- ---------- 
$ (146,370)
========== 

(144,906)
(1,464)
- ---------- 
$ (146,370)
========== 

$   (20.96)
========== 
6,915 
========== 


$   22,824 
- ---------- 

58,245 

11,982 
8,438 
3,966 
- ---------- 
82,631 
- ---------- 

(59,807)
(59,907)
- ---------- 
$ (119,714)
========== 

(118,517)
(1,197)
- ---------- 
$ (119,714)
========== 

$   (17.14)
========== 
6,915 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 5

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   20,711 
- ---------- 

71,817 

24,292 
11,206 
3,834 
- ---------- 
111,149 
- ---------- 

(90,438)
(89,126)
- ---------- 
$ (179,564)
========== 

(177,768)
(1,796)
- ---------- 
$ (179,564)
========== 

$   (20.63)
========== 
8,616 
========== 


$   29,246 
- ---------- 

72,006 

14,875 
10,017 
3,834 
- ---------- 
100,732 
- ---------- 

(71,486)
(137,228)
- ---------- 
$ (208,714)
========== 

(206,627)
(2,087)
- ---------- 
$ (208,714)
========== 

$   (23.98)
========== 
8,616 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

SERIES 6

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners



Net Loss Per Beneficial Assignee
 Certificate
Number of Beneficial Assignee
 Certificates Outstanding


$   20,134 
- ---------- 

79,314 

25,642 
13,010 
7,089 
- ---------- 
125,055 
- ---------- 

(104,921)
(147,712)
- ---------- 
$ (252,633)
========== 

(250,107)
(2,526)
- ---------- 
$ (252,633)
========== 

$   (24.75)
========== 
10,105 
========== 


$   28,353 
- ---------- 

79,233 

15,702 
11,205 
9,987 
- ---------- 
116,127 
- ---------- 

(87,774)
(224,668)
- ---------- 
$ (312,442)
========== 

(309,318)
(3,124)
- ---------- 
$ (312,442)
========== 

$   (30.61)
========== 
10,105 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF OPERATIONS
FOR THE NINE MONTHS ENDED DECEMBER 31,
(Unaudited)

TOTAL SERIES 2 - 6

2002 
- ---- 

2001 
- ---- 

Revenues:
 Interest Income

Expenses:
 Asset Management Fee-General Partner
 General and Administrative:
  General Partner
  Other
 Amortization

  Total Expenses

Loss Before Equity in Losses of
 Project Partnerships
Equity in Losses of Project Partnerships

Net Loss

Allocation of Net Loss:
 Assignees
 General Partners


$   84,376 
- ---------- 

307,566 

99,868 
48,601 
15,249 
- ---------- 
471,284 
- ---------- 

(386,908)
(385,819)
- ---------- 
$  (772,727)
========== 

(764,999)
(7,728)
- ---------- 
$  (772,727)
===========


$  118,115 
- ---------- 

308,082 

61,152 
43,146 
19,977 
- ---------- 
432,357 
- ---------- 

(314,242)
(433,632)
- ---------- 
$  (747,874)
========== 

(740,396)
(7,478)
- ---------- 
$  (747,874)
===========

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)




SERIES 2




Assignees
- ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$  243,647 

(54,657)
- ----------

$  188,990 
=========== 


$  145,441 

(123,755)
- ----------

$   21,686 
===========



$  (51,882)

(552)
- ----------

$  (52,434)
========== 


$  (52,874)

(1,250)
- ----------

$  (54,124)
==========



$  191,765 

(55,209)
- -----------

$  136,556 
=========== 


$   92,567 

(125,005)
- -----------

$  (32,438)
===========

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)




SERIES 3




Assignees
- ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$  213,725 

(51,277)
- ----------- 

$  162,448 
============


$  134,464 

(68,463)
- ----------- 

$   66,001 
============



$  (46,140)

(518)
- ----------- 

$  (46,658)
=========== 


$  (46,941)

(692)
- ----------- 

$  (47,633)
=========== 



$  167,585 

(51,795)
- ----------- 

$  115,790 
=========== 


$   87,523 

(69,155)
- ----------- 

$   18,368 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)




SERIES 4




Assignees
- ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$  424,290 

(118,517)
- ---------- 

$  305,773 
========== 


$  240,778 

(144,906)
- ---------- 

$   95,872 
=========== 



$ (56,981)

(1,197)
- ---------- 

$ (58,178)
========== 


$ (58,835)

(1,464)
- ---------- 

$ (60,299)
========== 



$ 367,309 

(119,714)
- --------- 

$ 247,595 
========== 


$ 181,943 

(146,370)
- --------- 

$  35,573 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)




SERIES 5




Assignees
- ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$ 1,126,154 

(206,627)
- ----------- 

$   919,527 
=========== 


$   860,560 

(177,768)
- ----------- 

$   682,792 
=========== 



$  (65,012)

(2,087)
- ---------- 

$  (67,099)
========== 


$  (67,695)

(1,796)
- ---------- 

$  (69,491)
========== 



$ 1,061,142 

(208,714)
- ----------- 

$   852,428 
=========== 


$   792,865 

(179,564)
- ----------- 

$   613,301 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)




SERIES 6




Assignees
- ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$ 1,875,009 

(309,318)
- ----------- 

$ 1,565,691 
=========== 


$ 1,471,324 

(250,107)
- ----------- 

$ 1,221,217 
=========== 



$  (70,682)

(3,124)
- ---------- 

$  (73,806)
========== 


$  (74,760)

(2,526)
- ---------- 

$  (77,286)
========== 



$ 1,804,327 

(312,442)
- ----------- 

$ 1,491,885 
=========== 


$ 1,396,564 

(252,633)
- ----------- 

$ 1,143,931 
=========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

STATEMENTS OF PARTNERS' EQUITY (Deficit)
FOR THE NINE MONTHS ENDED DECEMBER 30, 2002 AND 2001
(Unaudited)




TOTAL SERIES 2 - 6




Assignees
 ---------


General
Partners
(Deficit)
- --------




Total
- -----



Balance at March 31, 2001

Net Loss


Balance at December 31, 2001



Balance at March 31, 2002

Net Loss


Balance at December 31, 2002



$ 3,882,825 

(740,396)
- ----------- 

$ 3,142,429 
=========== 


$ 2,852,567 

(764,999)
- ----------- 

$ 2,087,568 
=========== 



$ (290,697)

(7,478)
- ---------- 

$ (298,175)
========== 


$ (301,105)

(7,728)
- ---------- 

$ (308,833)
========== 



$ 3,592,128 

(747,874)
- ----------- 

$ 2,844,254 
=========== 


$ 2,551,462 

(772,727)
- ----------- 

$ 1,778,735 
=========== 

See accompanying notes to financial statements.



GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

SERIES 2
- --------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to Net
 Cash Used in Operating Activities:
   Amortization
   Accreted Interest Income on Investments
   in Securities
   Equity in Losses of Project    Partnerships
   Interest Income from Redemption of
   Securities
   Changes in Operating Assets and
   Liabilities:
     Increase in Payable to General      Partners

       Net Cash Used in Operating        Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships
 Redemption of Investment in Securities

      Net Cash Provided by Investing
      Activities

Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of
Year

Cash and Cash Equivalents at End of Year


$ (125,005)


522 

(12,309)

65,536 

30,399 



11,548 
- ---------- 

(29,309)
- ---------- 


5,057 
25,699 
- ---------- 

30,756 
- ---------- 
1,447 

235,805 
- ---------- 
$  237,252 
========== 


$  (55,209)


1,350 

(14,445)
  
7,114 

26,908 



16,054 
- ---------- 

(18,228)
- ---------- 


3,700 
26,928 
- ---------- 

30,628 
- ---------- 
12,400 

213,928 
- ---------- 
$  226,328 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

SERIES 3
- --------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to Net
 Cash Used in Operating Activities:
   Amortization
   Accreted Interest Income on Investments
   in Securities
   Equity in Losses of Project    Partnerships
   Interest Income from Redemption of
   Securities
   Changes in Operating Assets and
   Liabilities:
     Increase in Payable to General      Partners

     Net Cash Used in Operating Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships
 Redemption of Investment in Securities

     Net Cash Provided by Investing
     Activities

Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of
Year

Cash and Cash Equivalents at End of Year


$  (69,155)


840 

(10,948)

10,898 

27,037 



2,854 
- ---------- 
(38,474)
- ---------- 


15,653 
22,859 
- ---------- 

38,512 
- ---------- 
38 

198,028 
- ---------- 
$  198,066 
========== 


$  (51,795)


840 

(12,849)

4,715 

23,934 



10,043 
- ---------- 
(25,112)
- ---------- 


14,267 
23,952 
- ---------- 

38,219 
- ---------- 
13,107 

177,615 
- ---------- 
$  190,722 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

SERIES 4
- --------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to Net
 Cash Used in Operating Activities:
    Amortization
    Accreted Interest Income on     Investments in Securities
    Equity in Losses of Project     Partnerships
    Interest Income from Redemption of
    Securities
    Changes in Operating Assets and
    Liabilities:
      Increase in Payable to General
      Partners

     Net Cash Used in Operating Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships
 Redemption of Investment in Securities

     Net Cash Provided by Investing
     Activities

Increase in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of
Year

Cash and Cash Equivalents at End of Year


$ (146,370)


2,964 

(13,870)

72,547 

34,255 



8,461 
- ---------- 
(42,013)
- ---------- 


14,141 
28,960 
- ---------- 

43,101 
- ---------- 
1,088 

272,179 
- ---------- 
$  273,267 
========== 


$ (119,714)


3,966 

(16,278)

59,907 

30,322 



13,414 
- ---------- 
(28,383)
- ---------- 


16,180 
30,344 
- ---------- 

46,524 
- ---------- 
18,141 

249,491 
- ---------- 
$  267,632 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

SERIES 5
- --------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to Net
 Cash Used in Operating Activities:
    Amortization
    Accreted Interest Income on     Investments in Securities
    Equity in Losses of Project     Partnerships
    Interest Income from Redemption of
    Securities
    Changes in Operating Assets and
    Liabilities:
      Increase in Payable to General
      Partners

      Net Cash Used in Operating       Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships
 Redemption of Investment in Securities

      Net Cash Provided by Investing
      Activities

Increase (Decrease) in Cash and Cash
Equivalents
Cash and Cash Equivalents at Beginning of
Year

Cash and Cash Equivalents at End of Year


$  (179,564)


3,834 

(17,288)

89,126 

42,696 



7,336 
- ---------- 

(53,860)
- ---------- 


16,925 
36,094 
- ---------- 

53,019 
- ---------- 

(841)

380,377 
- ---------- 
$  379,536 
========== 


$  (208,714)


3,834 

(20,288)

137,228 

37,792 



11,518 
- ---------- 

(38,630)
- ---------- 


16,013 
37,820 
- ---------- 

53,833 
- ---------- 

15,203 

350,854 
- ---------- 
$  366,057 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

SERIES 6
- -------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to Net
 Cash Used in Operating Activities:
    Amortization
    Accreted Interest Income on     Investments in Securities
    Equity in Losses of Project     Partnerships
    Changes in Operating Assets and
    Liabilities:
      Increase in Payable to General
      Partners

      Net Cash Used in Operating       Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships

      Net Cash Provided by Investing
      Activities

Decrease in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of
Year

Cash and Cash Equivalents at End of Year


$ (252,633)


7,089 

(16,752)

147,712 



17,094 
- ---------- 

(97,490)
- ---------- 


11,265 
- ---------- 

11,265 
- ---------- 
(86,225)

455,377 
- ---------- 
$  369,152 
========== 


$ (312,442)


9,987 

(18,952)

224,668 



21,197 
- ---------- 

(75,542)
- ---------- 


14,389 
- ---------- 

14,389 
- ---------- 
(61,153)

437,636 
- ---------- 
$  376,483 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)
STATEMENTS OF CASH FLOWS
FOR THE NINE MONTHS ENDED DECEMBER 31, 2002 AND 2001
(Unaudited)

TOTAL SERIES 2 - 6
- --------

2002 
- ---- 

2001 
- ---- 

Cash Flows from Operating Activities:
 Net Loss
 Adjustments to Reconcile Net Loss to  Net Cash Used in Operating Activities:
    Amortization
    Accreted Interest Income on     Investments in Securities
    Equity in Losses of Project     Partnerships
    Interest Income from Redemption of
    Securities
    Changes in Operating Assets and
    Liabilities:
      Increase in Payable to General
      Partners

      Net Cash Used in Operating       Activities

Cash Flows from Investing Activities:
 Distributions Received from Project
 Partnerships
 Redemption of Investment in Securities

      Net Cash Provided by Investing
      Activities

Decrease in Cash and Cash Equivalents
Cash and Cash Equivalents at Beginning of Year
Cash and Cash Equivalents at End of Year


$  (772,727)


15,249 

(71,167)

385,819 

134,387 



47,293 
- ---------- 

(261,146)
- ---------- 


63,041 
113,612 
- ---------- 

176,653 
- ---------- 
(84,493)

1,541,766 
- ---------- 
$ 1,457,273 
========== 


$  (747,874)


19,977 

(82,812)

433,632 

118,956 



72,226 
- ---------- 

(185,895)
- ---------- 


64,549 
119,044 
- ---------- 

183,593 
- ---------- 
(2,302)

1,429,524 
- ---------- 
$ 1,427,222 
========== 

See accompanying notes to financial statements.


GATEWAY TAX CREDIT FUND II LTD.
(A Florida Limited Partnership)

NOTES TO FINANCIAL STATEMENTS
(Unaudited)
DECEMBER 31, 2002

NOTE 1 - ORGANIZATION:

   Gateway Tax Credit Fund II Ltd. ("Gateway"), a Florida Limited Partnership, was formed September 12, 1989, under the laws of Florida. Operations commenced on September 14, 1990 for Series 2, September 28, 1990 for Series 3, February 1, 1991 for Series 4, July 1, 1991 for Series 5 and January 1, 1992 for Series 6. Gateway has invested, as a limited partner, in other limited partnerships ("Project Partnerships") each of which owns and operates one or more apartment complexes expected to qualify for Low-Income Housing Tax Credits. Gateway will terminate on December 31, 2040, or sooner, in accordance with the terms of the Limited Partnership Agreement. As of December 31, 2002, Gateway had received capital contributions of $1,000 from the General Partners and $37,228,000 from Beneficial Assignee Certificate investors (the "Assignees"). The fiscal year of Gateway for reporting purposes ends on March 31.

   Pursuant to the Securities Act of 1933, Gateway filed a Form S-11 Registration Statement with the Securities and Exchange Commission, effective September 12, 1989, which covered the offering (the "Public Offering") of Gateway's Beneficial Assignee Certificates ("BACs") representing assignments of units for the beneficial interest of the limited partnership interest of the Assignor Limited Partner. The Assignor Limited Partner was formed for the purpose of serving in that capacity for the Fund and will not engage in any other business.

   Raymond James Partners, Inc. and Raymond James Tax Credit Funds, Inc., wholly-owned subsidiaries of Raymond James Financial, Inc., are the General Partner and the Managing General Partner, respectively. The Managing General Partner manages and controls the business of Gateway.

   Gateway offered BACs in five series. BACs in the amounts of $6,136,000, $5,456,000, $6,915,000, $8,616,000 and $10,105,000 for Series 2, 3, 4, 5 and 6, respectively had been issued as of March 31, 1997. Each Series is treated as a separate partnership, investing in a separate and distinct pool of Project Partnerships. Net proceeds from each Series are used to acquire Project Partnerships which are specifically allocated to such Series. Income or loss and all tax items from the Project Partnerships acquired by each Series are specifically allocated among the Assignees of such Series.

   Operating profits and losses, cash distributions from operations and tax credits are allocated 99% to the Assignees and 1% to the General Partners. Profit or loss and cash distributions from sales of properties will be allocated as formulated in the Limited Partnership Agreement.

NOTE 2 - SIGNIFICANT ACCOUNTING POLICIES:

Basis of Accounting

   Gateway utilizes the accrual basis of accounting whereby revenues are recognized when earned and expenses are recognized when obligations are incurred.

   Gateway accounts for its investments as the sole limited partner in Project Partnerships ("Investments in Project Partnerships") using the equity method of accounting, because management believes that Gateway does not have a majority control of the major operating and financial policies of the Project Partnerships in which it invests, and reports the equity in losses of the Project Partnerships on a 3-month lag in the Statements of Operations. Under the equity method, the Investments in Project Partnerships initially include:

   1) Gateway's capital contribution,
   2) Acquisition fees paid to the General Partner for services       rendered in selecting properties for acquisition, and
   3) Acquisition expenses including legal fees, travel and other       miscellaneous costs relating to acquiring properties.

Quarterly the Investments in Project Partnerships are increased or decreased as follows:

   1) Increased for equity in income or decreased for equity in losses       of the Project Partnerships,
   2) Decreased for cash distributions received from the Project       Partnerships, and
   3) Decreased for the amortization of the acquisition fees and       expenses.

   Amortization is calculated on a straight-line basis over 35 years, as this is the average estimated useful life of the underlying assets. The amortization is shown as amortization expense on the Statements of Operations.

   Pursuant to the limited partnership agreements for the Project Partnerships, cash losses generated by the Project Partnerships are allocated to the general partners of those partnerships. In subsequent years, cash profits, if any, are first allocated to the general partners to the extent of the allocation of prior years' cash losses.

   Since Gateway invests as a limited partner, and therefore is not obligated to fund losses or make additional capital contributions, it does not recognize losses from individual Project Partnerships to the extent that these losses would reduce the investment in those Project Partnerships below zero. The suspended losses will be used to offset future income from the individual Project Partnerships.

   Gateway reviews its investment in the Project Partnerships to determine if there has been any permanent impairment whenever events or changes in circumstances indicate that the carrying amount of the investment may not be recoverable. If the sum of the expected future cash flows is less than the carrying amount of the investment, Gateway recognizes an impairment loss. No impairment loss has been recognized in the accompanying financial statements.

   Gateway, as a limited partner in the Project Partnerships, is subject to risks inherent in the ownership of property which are beyond its control, such as fluctuations in occupancy rates and operating expenses, variations in rental schedules, proper maintenance and continued eligibility of tax credits. If the cost of operating a property exceeds the rental income earned thereon, Gateway may deem it in its best interest to voluntarily provide funds in order to protect its investment.

Cash and Cash Equivalents

   It is Gateway's policy to include short-term investments with an original maturity of three months or less in Cash and Cash Equivalents. Short-term investments are comprised of money market mutual funds.

Concentration of Credit Risk

   Financial instruments which potentially subject Gateway to concentrations of credit risk consist of cash investments in a money market mutual fund that is a wholly-owned subsidiary of Raymond James Financial, Inc.

Use of Estimates in the Preparation of Financial Statements

   The preparation of financial statements in conformity with generally accepted accounting principles requires the use of estimates that affect certain reported amounts and disclosures. These estimates are based on management's knowledge and experience. Accordingly, actual results could differ from these estimates.

Investment in Securities

   Effective April 1, 1995, Gateway adopted Statement of Financial Accounting Standards No. 115, Accounting for Certain Investments in Debt and Equity Securities ("FAS 115"). Under FAS 115, Gateway is required to categorize its debt securities as held-to-maturity, available-for-sale or trading securities, dependent upon Gateway's intent in holding the securities. Gateway's intent is to hold all of its debt securities (U. S. Government Security Strips) until maturity and to use these reserves to fund Gateway's ongoing operations. Interest income is recognized ratably on the U. S. Government Strips using the effective yield to maturity.

Offering and Commission Costs

   Offering and commission costs were charged against Assignees' Equity upon the admission of Limited Partners.

Income Taxes

   No provision for income taxes has been made in these financial statements, as income taxes are a liability of the partners rather than of Gateway.

Reclassifications

   For comparability, the 2001 figures have been reclassified, where appropriate, to conform with the financial statement presentation used in 2002.

Basis of Preparation

   The unaudited financial statements presented herein have been prepared in accordance with the instructions to Form 10-Q and do not include all of the information and note disclosures required by generally accepted accounting principles. These statements should be read in conjunction with the financial statements and notes thereto included with the Partnership's Form 10-K for the year ended March 31, 2002. In the opinion of management these financial statements include adjustments, consisting only of normal recurring adjustments, necessary to fairly summarize the Partnership's financial position and results of operations. The results of operations for the periods may not be indicative of the results to be expected for the year.

NOTE 3 - INVESTMENT IN SECURITIES:

   The December 31, 2002 Balance Sheet includes Investment in Securities consisting of U.S. Government Security Strips which represents their cost, plus accreted interest income of $125,308 for Series 2, $111,459 for Series 3, $141,206 for Series 4, $175,996 for Series 5 and $168,282 for Series 6. For convenience, the Investment in Securities are commonly held in a brokerage account with Raymond James and Associates, Inc. A separate accounting is maintained for each series' share of the investments.

 

Estimated Market
Value
- -----------------

Cost Plus Accreted
Interest
- -----------------

Gross Unrealized
Gains and (Losses)
- ----------------

Series 2

$  240,508  

$  218,052  

$  22,456  

Series 3

213,857  

193,953  

19,904  

Series 4

271,042  

245,718  

25,324  

Series 5

337,713  

306,256  

31,457  

Series 6

355,819  

320,961  

34,858  


   As of December 31, 2002, the cost and accreted interest of debt securities by contractual maturities is as follows:

 

Series 2
- --------

Series 3
- --------

Series 4
- --------

Due within 1 year

$   57,529

$   51,171

$   64,828

After 1 year through 5 years

160,523

142,782

180,890

After 5 years through 10 years

0
- ----------

0
- ----------

0
- ----------

  Total Amount Carried on
  Balance Sheet


$  218,052
==========


$  193,953
==========


$  245,718
==========

 

Series 5
- --------

Series 6
- --------

Total
- --------

Due within 1 year

$   80,800

$   65,936

$  320,264

After 1 year through 5 years

225,456

193,423

903,074

After 5 years through 10 years

0
- ----------

61,602
- ----------

61,602
- ----------

  Total Amount Carried on
  Balance Sheet


$  306,256
==========


$  320,961
==========


$1,284,940
==========


NOTE 4 - RELATED PARTY TRANSACTIONS:

   The Payable to General Partners primarily represents the asset management fees owed to the General Partners at the end of the period.
It is unsecured, due on demand and, in accordance with the limited partnership agreement, non-interest bearing. Within the next 12 months, the Managing General Partner does not intend to demand payment on the portion of Asset Management Fees payable classified as long-term on the Balance Sheet.

   The Payable to Project Partnerships represents unpaid capital contributions to the Project Partnerships and will be paid after certain performance criteria are met. Such contributions are in turn payable to the general partner of the Project Partnerships.

   For the nine months ended December 31, 2002 and 2001 the General Partners and affiliates are entitled to compensation and reimbursement for costs and expenses incurred by Gateway as follows:

   Asset Management Fee - The Managing General Partner is entitled to be paid an annual asset management fee equal to 0.25% of the aggregate cost of Gateway's interest in the projects owned by the Project Partnerships. The asset management fee will be paid only after all other expenses of Gateway have been paid. These fees are included in the Statements of Operations.

                                2002             2001
                             -------           ------
Series 2                   $  51,150        $  51,270
Series 3                      47,178           47,328
Series 4                      58,107           58,245
Series 5                      71,817           72,006
Series 6                      79,314           79,233
                           ---------        ---------
Total                      $ 307,566        $ 308,082
                           =========        =========

   General and Administrative Expenses - The Managing General Partner is reimbursed for general and administrative expenses of Gateway on an accountable basis. This expense is included in the Statements of Operations.

Series 2                   $  14,845        $   9,089
Series 3                      15,520            9,504
Series 4                      19,569           11,982
Series 5                      24,292           14,875
Series 6                      25,642           15,702
                           ---------          -------
Total                      $  99,868        $  61,152
                           =========        =========


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS:

   As of December 31, 2002, the Partnership had acquired a 99% interest in the profits, losses and tax credits as a limited partner in 148 Project Partnerships for the Series which own and operate government assisted multi-family housing complexes (Series 2 - 22,Series 3 - 23, Series 4 - 29, Series 5 - 36 and Series 6 - 38).

   Cash flows from operations are allocated according to each partnership agreement. Upon dissolution proceeds will be distributed according to each partnership agreement.

   The following is a summary of Investments in Project Partnerships as of:

SERIES 2

DECEMBER 31,
2002
- -----------

MARCH 31,
2002
- ----------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$  4,524,678 


(4,739,186)


(86,260)
- -----------

(300,768)



390,838 

(82,884)
- -----------

$     7,186 
============



$  4,524,678 


(4,673,651)


(81,202)
- -----------

(230,175)



390,838 

(82,362)
- -----------

$    78,301 
============

(1) In accordance with the Partnership's accounting policy to not carry Investments in Project Partnerships below zero, cumulative suspended losses of $3,362,634 for the period ended December 31, 2002 and cumulative suspended losses of $2,940,699,for the year ended March 31, 2002 are not included.


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   The following is a summary of Investments in Project Partnerships as of:

SERIES 3

DECEMBER 31,
2002
- -----------

MARCH 31,
2002
- ----------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$ 3,888,713 


(4,113,734)


(177,143)
- ---------

(402,164)



491,746
 

(82,372)
- ----------

$    7,210 
===========



$ 3,888,713 


(4,102,836)


(161,490)
- ----------

(375,613)



491,746 

(81,532)
- ----------

$   34,601 
===========

(1) In accordance with the Partnership's accounting policy to not carry Investments in Project Partnerships below zero, cumulative suspended losses of $4,171,474 for the period ended December 31, 2002 and cumulative suspended losses of $3,840,222 for the year ended March 31, 2002 are not included.


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   The following is a summary of Investments in Project Partnerships as of:

SERIES 4

DECEMBER 31,
2002
- ----------

MARCH 31,
2002
- ---------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$  4,952,519 


(5,255,033)


(130,544)
- -----------

(433,058)



562,967 

(122,820)
- ----------

$    7,089 
===========



$  4,952,519 


(5,182,485)


(116,404)
- ----------

(346,370)



562,967 

(119,856)
- ----------

$   96,741 
===========

(1) In accordance with the Partnership's accounting policy to not carry Investments in Project Partnerships below zero, cumulative suspended losses of $3,121,001 for the period ended December 31, 2002 and cumulative suspended losses of $2,771,886 for the year ended March 31, 2002 are not included.


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   The following is a summary of Investments in Project Partnerships as of:

SERIES 5

DECEMBER 31,
2002
- -----------

MARCH 31,
2002
- ----------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$ 6,164,472 


(6,043,757)


(195,464)
- ----------

(74,749)



650,837 

(135,827)
- ----------

$  440,261 
===========



$ 6,164,472 


(5,954,631)


(178,539)
- ----------

31,302 



650,837 

(131,993)
- ----------

$  550,146 
===========

(1) In accordance with the Partnership's accounting policy to not carry Investments in Project Partnerships below zero, cumulative suspended losses of $3,661,764 for the period ended December 31, 2002 and cumulative suspended losses of $3,217,418 for the year ended March 31, 2002 are not included.


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   The following is a summary of Investments in Project Partnerships as of:

SERIES 6

DECEMBER 31,
2002
- -----------

MARCH 31,
2002
- ----------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$ 7,462,215 


(6,768,305)


(201,865)
- ----------

492,045 



785,179 

(186,264)
- ----------

$ 1,090,960 
===========



$ 7,462,215 


(6,620,593)


(190,600)
- ----------

651,022 



785,179 

(179,175)
- ----------

$ 1,257,026 
===========

(1) In accordance with the Partnership's accounting policy to not carry Investments in Project Partnerships below zero, cumulative suspended losses of $2,539,442 for the period ended December 31, 2002 and cumulative suspended losses of $2,161,546 for the year ended March 31, 2002 are not included.


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   The following is a summary of Investments in Project Partnerships as of:

TOTAL SERIES 2 - 6

DECEMBER 31,
2002
- -----------

MARCH 31,
2002
- ----------

Capital Contributions to Project Partner-
ships and purchase price paid for limited
partner interests in Project Partnerships

Cumulative equity in losses of Project
Partnerships (1)

Cumulative distributions received from
Project Partnerships

Investment in Project Partnerships before
Adjustment

Excess of investment cost over the
underlying assets acquired:
 Acquisition fees and expenses
 Accumulated amortization of acquisition
 fees and expenses


Investments in Project Partnerships



$ 26,992,597 


(26,920,015)


(791,276)
- ----------

(718,694)



2,881,567 

(610,167)
- ----------

$ 1,552,706 
===========



$ 26,992,597 


(26,534,196)


(728,235)
- -----------

(269,834)



2,881,567 

(594,918)
- -----------

$ 2,016,815 
===========


NOTE 5 - INVESTMENTS IN PROJECT PARTNERSHIPS (continued):

   In accordance with the Partnership's policy of presenting the financial information of the Project Partnerships on a three month lag, below is the summarized financial information for the Series' Project Partnerships as of September 30, of each year:

  SEPTEMBER 30,

SERIES 2