<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INOORMATION EXTRACTED FROM THE
REGISTRANT'S  UNAUDITED  CONSOLIDATED  FINANCIAL STATEMENTS FOR THE THREE MONTHS
ENDED  DECEMBER  31, 1998 AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                         0001015593
<NAME>                        River Valley Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-1-1998
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         4,014
<INT-BEARING-DEPOSITS>                         7,468
<FED-FUNDS-SOLD>                               825
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    3,079
<INVESTMENTS-CARRYING>                         4,190
<INVESTMENTS-MARKET>                           4,200
<LOANS>                                        112,385
<ALLOWANCE>                                    1,477
<TOTAL-ASSETS>                                 138,369
<DEPOSITS>                                     118,151
<SHORT-TERM>                                   270
<LIABILITIES-OTHER>                            1,335
<LONG-TERM>                                    0
<COMMON>                                       0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     18,613
<TOTAL-LIABILITIES-AND-EQUITY>                 138,369
<INTEREST-LOAN>                                9,263
<INTEREST-INVEST>                              612
<INTEREST-OTHER>                               233
<INTEREST-TOTAL>                               10,108
<INTEREST-DEPOSIT>                             4,682
<INTEREST-EXPENSE>                             4,842
<INTEREST-INCOME-NET>                          5,266
<LOAN-LOSSES>                                  275
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                4,093
<INCOME-PRETAX>                                2,086
<INCOME-PRE-EXTRAORDINARY>                     1,253
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,253   
<EPS-PRIMARY>                                  1.13
<EPS-DILUTED>                                  1.12
<YIELD-ACTUAL>                                 4.08
<LOANS-NON>                                    0
<LOANS-PAST>                                   1,947
<LOANS-TROUBLED>                               937
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,276 
<CHARGE-OFFS>                                  223
<RECOVERIES>                                   149
<ALLOWANCE-CLOSE>                              1,477
<ALLOWANCE-DOMESTIC>                           122
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,355
        

</TABLE>