protected void dgCustomer_DataBound(object sender, System.EventArgs e)
    {
            Label pLabel = new Label();
            double dItemPremium = (Eval("Premium")!= DBNull.Value) ? (double)(Eval("Premium")) : 0;
            pLabel.Text = dItemPremium.ToString("0.00");
            dTotal_m += dItemPremium;

        dgCustomer.HeaderRow.TableSection = TableRowSection.TableHeader;
        dgCustomer.FooterRow.TableSection = TableRowSection.TableFooter;
        dgCustomer.FooterRow.Controls.Add(pLabel);

    }


    protected void dgCustomer_RowCreated(object sender, GridViewRowEventArgs e)
    {
        if (e.Row.RowType == DataControlRowType.DataRow)
        {

        dTotal_m += Convert.ToDouble(DataBinder.Eval(e.Row.DataItem,"Premium"));

        }
        else if (e.Row.RowType == DataControlRowType.Footer)
        {
            e.Row.Cells[0].Text = "Totals:";
            e.Row.Cells[1].Text = dTotal_m.ToString("0.00");

            e.Row.Cells[1].HorizontalAlign = HorizontalAlign.Right;
            e.Row.Font.Bold = true;
        }
    }

<asp:TemplateField>
                        <ItemTemplate>
                            <%#DataBinder.Eval(DataItem,"Premium")%></ItemTemplate>
                        <HeaderTemplate>
                            Premium Amount Paid</HeaderTemplate>
                    </asp:TemplateField>

e.Row.Cells[0].Text

string tempstr=((Label)dgCustomer.Rows[e.RowIndex].Cells[<cell_number>].FindControl("Label_ID")).Text;

<ItemTemplate>
   <%= DataBinder.Eval(DataItem,"Premium")%></ItemTemplate>
<HeaderTemplate>