UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934
                                (Amendment No. )*

                             CENTURY BANCSHARES, INC.
                                (Name of Issuer)

                          COMMON STOCK, $1.00 PAR VALUE
                         (Title of Class of Securities)

                                   156436107
                                 (CUSIP Number)


*The  remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities,and
for any  subsequent  amendment  containing  information  which  would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover pages shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however,
see the Notes).















CUSIP No.  56436107         13G                        Page   2   of   4  Pages


1.       NAME OF REPORTING PERSON
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

                  Neal R. Gross
                  ###-##-####

2.       CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*    (A)
                                                              (B)


3.       SEC USE ONLY


4.       CITIZENSHIP OR PLACE OF ORGANIZATION

                  U.S.A.

NUMBER OF                  5.      SOLE VOTING POWER                   168,085
SHARES
BENEFICIALLY               6.      SHARED VOTING
OWNED BY
EACH                       7.      SOLE DISPOSITIVE POWER              168,085
REPORTING PERSON
WITH                       8.      SHARED DISPOSITIVE POWER

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

                  168,085

10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
         SHARES *

                  N/A

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

                  6.46%

12.      TYPE OF REPORTING PERSON *

                  IN



CUSIP No.  56436107         13G                       Page   3   of   4   Pages

Schedule 13 G Additional Information

Item #

1.    (a)      Name of Issuer:
               Century Bancshares, Inc.

      (b)      Address of Issuer's Principal Executive Offices:
               1275 Pennsylvania Avenue, NW
               Washington, DC  20004

2.    (a)      Name of Person Filing:
               Neal R. Gross

      (b)      Address of Principal Business Office:
               1323 Rhode Island Avenue, NW
               Washington, DC  20005

      (c)      Citizenship:
               United States

      (d)      Title of Class of Securities:
               The class of securities of Century Bancshares, Inc. owned
               beneficially by the reporting person is common stock, $1.00 par
               value (the "Common Stock")

      (e)      Cusip Number:
               156436107

3.       Not Applicable

4.       (a)      Amount Beneficially Owned:                            168,085
         (b)      Percent of Class:                                        6.46
         (c)      Number of Shares as to which such person has
            (i)      Sole power to vote or to direct the vote:          168,085
            (ii)     Shared power to vote or direct the vote:               -0-
            (iii) Sole power to dispose or direct the disposition:      168,085
            (iv)  Shared power to dispose or direct the disposition:        -0-

5.       Ownership of Five Percent or Less of a Class:
         Not Applicable



CUSIP No.  56436107        13G                        Page   4   of   4   Pages


6.       Ownership of More than Five Percent on Behalf of Another Person:
         Not Applicable

7.       Identification and Classification of the Subsidiary Which Acquired the
         Security Being Reported on By the Parent Holding Company:
         Not Applicable

8.       Identification and Classification of Members of the Group:
         Not Applicable

9.       Notice of Dissolution of Group:
         Not Applicable

10.      Certification:
         Not Applicable

Date:    February 10, 2000

Signature: After reasonable inquiry and to the best of my knowledge and belief,
           I certify that the information set forth in this statement is true,
           complete and correct.


                  By:
                  Neal R. Gross
                  Director - Century Bancshares, Inc.