<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, 1999 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-31-1999
<PERIOD-START>                                 JAN-1-1999
<PERIOD-END>                                   DEC-31-1999
<EXCHANGE-RATE>                                1.000
<CASH>                                         3,648
<INT-BEARING-DEPOSITS>                         2,854
<FED-FUNDS-SOLD>                               1,550
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    6,301
<INVESTMENTS-CARRYING>                         3,138
<INVESTMENTS-MARKET>                           3,142
<LOANS>                                        115,131
<ALLOWANCE>                                    1,522
<TOTAL-ASSETS>                                 138,695
<DEPOSITS>                                     114,251
<SHORT-TERM>                                   6,500
<LIABILITIES-OTHER>                            1,078
<LONG-TERM>                                    0
<COMMON>                                       0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     16,866
<TOTAL-LIABILITIES-AND-EQUITY>                 138,695
<INTEREST-LOAN>                                8,740
<INTEREST-INVEST>                              577
<INTEREST-OTHER>                               417
<INTEREST-TOTAL>                               9,734
<INTEREST-DEPOSIT>                             4,474
<INTEREST-EXPENSE>                             4,617
<INTEREST-INCOME-NET>                          5,117
<LOAN-LOSSES>                                  140
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                4,080
<INCOME-PRETAX>                                1,741
<INCOME-PRE-EXTRAORDINARY>                     1,039
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,039
<EPS-BASIC>                                    1.03
<EPS-DILUTED>                                  1.03
<YIELD-ACTUAL>                                 3.94
<LOANS-NON>                                    72
<LOANS-PAST>                                   785
<LOANS-TROUBLED>                               835
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,477
<CHARGE-OFFS>                                  123
<RECOVERIES>                                   28
<ALLOWANCE-CLOSE>                              1,522
<ALLOWANCE-DOMESTIC>                           113
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,409


</TABLE>