<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE AUDITED CONSOLIDATED FINANCIAL STATEMENTS OF VALLEY RIDGE
FINANCIAL CORP. AND SUBSIDIARIES FOR THE PERIOD ENDED DECEMBER 31, 1999
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                              1

<S>                                                            <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                               DEC-31-1999
<PERIOD-START>                                                  JAN-01-1999
<PERIOD-END>                                                    DEC-31-1999
<CASH>                                                           10,657,692
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                      30,153,805
<INVESTMENTS-CARRYING>                                           30,153,805
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                         116,774,847
<ALLOWANCE>                                                       1,619,688
<TOTAL-ASSETS>                                                  166,881,540
<DEPOSITS>                                                      119,331,696
<SHORT-TERM>                                                      1,800,000
<LIABILITIES-OTHER>                                               6,206,822
<LONG-TERM>                                                      25,000,000
<COMMON>                                                          7,866,728
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                        6,696,283
<TOTAL-LIABILITIES-AND-EQUITY>                                  166,881,540
<INTEREST-LOAN>                                                   9,812,010
<INTEREST-INVEST>                                                 1,917,864
<INTEREST-OTHER>                                                          0
<INTEREST-TOTAL>                                                 11,729,874
<INTEREST-DEPOSIT>                                                3,522,792
<INTEREST-EXPENSE>                                                4,664,803
<INTEREST-INCOME-NET>                                             7,065,071
<LOAN-LOSSES>                                                       400,000
<SECURITIES-GAINS>                                                 (15,935)
<EXPENSE-OTHER>                                                   6,080,861
<INCOME-PRETAX>                                                   2,107,647
<INCOME-PRE-EXTRAORDINARY>                                        2,107,647
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                      1,716,167
<EPS-BASIC>                                                          2.75
<EPS-DILUTED>                                                          2.75
<YIELD-ACTUAL>                                                         5.37
<LOANS-NON>                                                         438,038
<LOANS-PAST>                                                         75,222
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                  1,388,700
<CHARGE-OFFS>                                                     (207,237)
<RECOVERIES>                                                         38,225
<ALLOWANCE-CLOSE>                                                 1,619,688
<ALLOWANCE-DOMESTIC>                                              1,060,000
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             560,000



</TABLE>