<PAGE>
                                 EXHIBIT 24

                         LIMITED POWER 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, 1998, 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:   2-11      , 1999         /S/ PAUL K. SPOELMAN
                                           (signature)


                                  PAUL K. SPOELMAN
                                      (please type or print name)


























<PAGE>
                         LIMITED POWER 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, 1998, 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:   2-12      , 1999         /S/ DONALD VAN SINGEL
                                           (signature)



                                  DONALD VAN SINGEL
                                       (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   Feb 5      , 1999        /S/ DENNIS C. NELSON
                                            (signature)



                                  DENNIS C. NELSON
                                         (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   Feb 5      , 1999        /S/ BEN J. LANDHEER
                                              (signature)



                                  BEN J. LANDHEER
                                        (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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 2   , 1999      /S/ RONALD HANSEN
                                            (signature)



                                  RONALD HANSEN
                                       (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   1/28      , 1999         /S/ K. TIMOTHY BULL
                                               (signature)



                                  K. TIMOTHY BULL
                                         (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   Jan. 31     , 1999       /S/ GARY GUST
                                          (signature)



                                  GARY GUST
                                        (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   2/1      , 1999          /S/ FRED J. FINKBEINER
                                              (signature)



                                  FRED J. FINKBEINER
                                         (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   Feb 2nd     , 1999       /S/ JOHN NIEDERER
                                           (signature)



                                  JOHN NIEDERER
                                      (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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:   2-5      , 1999          /S/ DONALD SWANSON
                                           (signature)



                                  DONALD SWANSON
                                      (please type or print name)



























<PAGE>
                         LIMITED POWER 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, 1998, 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 10    , 1999       /S/ JERRY ARENDS
                                           (signature)



                                  JERRY ARENDS
                                      (please type or print name)