<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, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                                                            <C>
<PERIOD-TYPE>                                                        12-MOS
<FISCAL-YEAR-END>                                               DEC-31-1998
<PERIOD-START>                                                  JAN-01-1998
<PERIOD-END>                                                    DEC-31-1998
<CASH>                                                            5,553,484
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                    500,000
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                               0
<INVESTMENTS-CARRYING>                                           30,646,690
<INVESTMENTS-MARKET>                                             30,646,690
<LOANS>                                                          99,433,953
<ALLOWANCE>                                                       1,388,700
<TOTAL-ASSETS>                                                  148,195,110
<DEPOSITS>                                                      119,582,751
<SHORT-TERM>                                                      1,204,014
<LIABILITIES-OTHER>                                               1,923,894
<LONG-TERM>                                                      11,000,000
<COMMON>                                                          6,225,730
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                        8,258,721
<TOTAL-LIABILITIES-AND-EQUITY>                                  148,195,110
<INTEREST-LOAN>                                                   9,050,545
<INTEREST-INVEST>                                                 1,545,778
<INTEREST-OTHER>                                                    165,341
<INTEREST-TOTAL>                                                 10,761,664
<INTEREST-DEPOSIT>                                                3,720,477
<INTEREST-EXPENSE>                                                4,377,051
<INTEREST-INCOME-NET>                                             6,384,613
<LOAN-LOSSES>                                                       300,000
<SECURITIES-GAINS>                                                  182,268
<EXPENSE-OTHER>                                                   5,436,531
<INCOME-PRETAX>                                                   2,030,868
<INCOME-PRE-EXTRAORDINARY>                                        2,030,868
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                      1,627,173
<EPS-PRIMARY>                                                          2.62
<EPS-DILUTED>                                                          2.62
<YIELD-ACTUAL>                                                         5.48
<LOANS-NON>                                                         276,458
<LOANS-PAST>                                                        104,182
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                  1,186,772
<CHARGE-OFFS>                                                       141,684
<RECOVERIES>                                                         43,612
<ALLOWANCE-CLOSE>                                                 1,388,700
<ALLOWANCE-DOMESTIC>                                              1,388,700
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             601,000
        


</TABLE>