<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 SIX-MONTH PERIOD ENDED JUNE
30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000
       
<S>                                                            <C>
<PERIOD-TYPE>                                                         6-MOS
<FISCAL-YEAR-END>                                               DEC-31-1997
<PERIOD-START>                                                  JAN-01-1997
<PERIOD-END>                                                    JUN-30-1997
<CASH>                                                                7,746
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      1,750
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          18,864
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              90,800
<ALLOWANCE>                                                           1,211
<TOTAL-ASSETS>                                                      122,999
<DEPOSITS>                                                          101,336
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                   1,107
<LONG-TERM>                                                           8,000
<COMMON>                                                              4,961
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            7,595
<TOTAL-LIABILITIES-AND-EQUITY>                                      122,999
<INTEREST-LOAN>                                                       4,160
<INTEREST-INVEST>                                                       563
<INTEREST-OTHER>                                                         77
<INTEREST-TOTAL>                                                      4,800
<INTEREST-DEPOSIT>                                                    1,699
<INTEREST-EXPENSE>                                                    1,931
<INTEREST-INCOME-NET>                                                 2,869
<LOAN-LOSSES>                                                            60
<SECURITIES-GAINS>                                                       18
<EXPENSE-OTHER>                                                       2,459
<INCOME-PRETAX>                                                         872
<INCOME-PRE-EXTRAORDINARY>                                              872
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            703
<EPS-PRIMARY>                                                          1.42
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                             239
<LOANS-PAST>                                                            827
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,209
<CHARGE-OFFS>                                                            40
<RECOVERIES>                                                             13
<ALLOWANCE-CLOSE>                                                     1,211
<ALLOWANCE-DOMESTIC>                                                    687
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 524
        


</TABLE>