<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED AUDITED FINANCIAL STATEMENTS OF VALLEY RIDGE FINANICAL
CORP. AND ITS SUBSIDIARIES FOR THE YEAR ENDED DECEMBER 31, 1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000

<S>                                                            <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                               DEC-31-1997
<PERIOD-START>                                                  JAN-01-1997
<PERIOD-END>                                                    DEC-31-1997
<CASH>                                                                5,503
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      3,000
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          23,300
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              92,417
<ALLOWANCE>                                                           1,187
<TOTAL-ASSETS>                                                      130,875
<DEPOSITS>                                                          105,175
<SHORT-TERM>                                                            284
<LIABILITIES-OTHER>                                                   1,118
<LONG-TERM>                                                          11,000
<COMMON>                                                              6,200
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            7,098
<TOTAL-LIABILITIES-AND-EQUITY>                                      130,875
<INTEREST-LOAN>                                                       8,615
<INTEREST-INVEST>                                                     1,208
<INTEREST-OTHER>                                                        113
<INTEREST-TOTAL>                                                      9,937
<INTEREST-DEPOSIT>                                                    3,501
<INTEREST-EXPENSE>                                                    4,016
<INTEREST-INCOME-NET>                                                 5,921
<LOAN-LOSSES>                                                           190
<SECURITIES-GAINS>                                                       32
<EXPENSE-OTHER>                                                       4,921
<INCOME-PRETAX>                                                       1,895
<INCOME-PRE-EXTRAORDINARY>                                            1,895
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,482
<EPS-PRIMARY>                                                          2.39
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                             107
<LOANS-PAST>                                                          2,090
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,182
<CHARGE-OFFS>                                                           228
<RECOVERIES>                                                             43
<ALLOWANCE-CLOSE>                                                     1,187
<ALLOWANCE-DOMESTIC>                                                    706
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 481



</TABLE>