LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or
attorney, with full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the
Securities and Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as
the undersigned could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 22, 2000 | s/Ben J. Landheer
Ben J. Landheer
|------------------------ | ---------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 23, 2000 | s/Robert C. Humphreys
Robert C. Humphreys
|------------------------ | -----------------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 23, 2000 | s/Gary Gust
Gary Gust
|------------------------ | ---------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 23, 2000 | s/Ronald Hansen
Ronald Hansen
|------------------------ | -----------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 23, 2000 | s/Fred J. Finkbeiner
Fred J. Finkbeiner
|------------------------ | ---------------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 24, 2000 | s/Dennis C. Nelson
Dennis C. Nelson
|------------------------ | -----------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 21, 2000 | s/Paul K. Spoelman
Paul K. Spoelman
|------------------------ | -----------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 25, 2000 | s/Donald Swanson
Donald Swanson
|------------------------ | -------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: March 2, 2000 | s/Jerry Arends
Jerry Arends
|-------------------- | ---------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: March 1, 2000 | s/John Niederer
John Niederer
|-------------------- | -----------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: March 2, 2000 | s/Donald VanSingel
Donald VanSingel
|-------------------- | -----------------------------------

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LimitedPower of Attorney

The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of Valley Ridge Financial Corp., does hereby appoint RICHARD L. EDGAR and MICHAEL E. McHUGH, or either of them, his or her attorneys or attorney, with
full power of substitution, to execute in his or her name an Annual Report of Valley Ridge Financial Corp. on Form 10-KSB for its fiscal year ended December 31, 1999, and any amendments to that report, and to file it with the Securities and
Exchange Commission. Each attorney shall have power and authority to do and perform in the name and on behalf of the undersigned, in any and all capacities, every act to be done in the premises as fully and to all intents and purposes as the undersigned
could do in person, and the undersigned hereby ratifies and approves the acts of such attorneys.

|Dated: February 24, 2000 | s/K. Tim Bull
K. Tim Bull
|------------------------ | -------------------------