<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF VALLEY
RIDGE CORP. FOR THE PERIOD ENDED SEPTEMBER 30, 1999 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-31-1999
<PERIOD-START>                                                  JAN-01-1999
<PERIOD-END>                                                    SEP-30-1999
<CASH>                                                                6,886
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          32,019
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                             113,832
<ALLOWANCE>                                                           1,376
<TOTAL-ASSETS>                                                      161,079
<DEPOSITS>                                                          115,650
<SHORT-TERM>                                                          7,870
<LIABILITIES-OTHER>                                                     954
<LONG-TERM>                                                          22,000
<COMMON>                                                              7,879
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            6,726
<TOTAL-LIABILITIES-AND-EQUITY>                                      161,079
<INTEREST-LOAN>                                                       7,119
<INTEREST-INVEST>                                                     1,421
<INTEREST-OTHER>                                                          7
<INTEREST-TOTAL>                                                      8,547
<INTEREST-DEPOSIT>                                                    2,638
<INTEREST-EXPENSE>                                                    3,383
<INTEREST-INCOME-NET>                                                 5,164
<LOAN-LOSSES>                                                           113
<SECURITIES-GAINS>                                                      (9)
<EXPENSE-OTHER>                                                       4,445
<INCOME-PRETAX>                                                       1,732
<INCOME-PRE-EXTRAORDINARY>                                            1,353
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,353
<EPS-BASIC>                                                          2.17
<EPS-DILUTED>                                                          2.17
<YIELD-ACTUAL>                                                         4.97
<LOANS-NON>                                                             208
<LOANS-PAST>                                                          2,478
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,376
<CHARGE-OFFS>                                                           158
<RECOVERIES>                                                             33
<ALLOWANCE-CLOSE>                                                     1,389
<ALLOWANCE-DOMESTIC>                                                  1,376
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 274



</TABLE>