<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED CONDENSED FINANCIAL STATEMENTS OF VALLEY RIDGE
FINANCIAL CORP. FOR THE PERIOD ENDED SEPTEMBER 30, 1996, 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-31-1996
<PERIOD-START>                                                  JAN-01-1996
<PERIOD-END>                                                    SEP-30-1996
<CASH>                                                                6,251
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      2,500
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          18,273
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              81,965
<ALLOWANCE>                                                           1,216
<TOTAL-ASSETS>                                                      113,549
<DEPOSITS>                                                           92,844
<SHORT-TERM>                                                          3,211
<LIABILITIES-OTHER>                                                     829
<LONG-TERM>                                                           5,000
<COMMON>                                                              4,956
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            6,709
<TOTAL-LIABILITIES-AND-EQUITY>                                      113,549
<INTEREST-LOAN>                                                       5,817
<INTEREST-INVEST>                                                       831
<INTEREST-OTHER>                                                        170
<INTEREST-TOTAL>                                                      6,818
<INTEREST-DEPOSIT>                                                    2,383
<INTEREST-EXPENSE>                                                    2,632
<INTEREST-INCOME-NET>                                                 4,185
<LOAN-LOSSES>                                                           107
<SECURITIES-GAINS>                                                       16
<EXPENSE-OTHER>                                                       3,602
<INCOME-PRETAX>                                                       1,289
<INCOME-PRE-EXTRAORDINARY>                                            1,289
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            970
<EPS-PRIMARY>                                                          1.96
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                              98
<LOANS-PAST>                                                            266
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,109
<CHARGE-OFFS>                                                            41
<RECOVERIES>                                                             41
<ALLOWANCE-CLOSE>                                                     1,216
<ALLOWANCE-DOMESTIC>                                                    600
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 616
        


</TABLE>