<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE UNAUDITED CONSOLIDATED CONDENSED FINANCIAL STATEMENTS OF VALLEY
RIDGE FINANCIAL CORP. AND ITS SUBSIDIARY FOR THE NINE-MONTH PERIOD ENDED
SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000
       
<S>                                                            <C>
<PERIOD-TYPE>                                                         9-MOS
<FISCAL-YEAR-END>                                               DEC-31-1997
<PERIOD-START>                                                  JAN-01-1997
<PERIOD-END>                                                    SEP-30-1997
<CASH>                                                                5,716
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      1,750
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          21,578
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              93,664
<ALLOWANCE>                                                           1,117
<TOTAL-ASSETS>                                                      127,325
<DEPOSITS>                                                          102,163
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                   1,217
<LONG-TERM>                                                          11,000
<COMMON>                                                              4,961
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            7,984
<TOTAL-LIABILITIES-AND-EQUITY>                                      127,325
<INTEREST-LOAN>                                                       6,369
<INTEREST-INVEST>                                                       859
<INTEREST-OTHER>                                                         89
<INTEREST-TOTAL>                                                      7,318
<INTEREST-DEPOSIT>                                                    2,584
<INTEREST-EXPENSE>                                                    2,937
<INTEREST-INCOME-NET>                                                 4,381
<LOAN-LOSSES>                                                            75
<SECURITIES-GAINS>                                                       32
<EXPENSE-OTHER>                                                       3,704
<INCOME-PRETAX>                                                       1,376
<INCOME-PRE-EXTRAORDINARY>                                            1,376
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,103
<EPS-PRIMARY>                                                          2.22
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                             119
<LOANS-PAST>                                                          1,076
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,211
<CHARGE-OFFS>                                                           126
<RECOVERIES>                                                             13
<ALLOWANCE-CLOSE>                                                     1,117
<ALLOWANCE-DOMESTIC>                                                    710
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 407
        


</TABLE>