<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 SUBSIDIARIES FOR THE PERIOD ENDED MARCH 31, 1997
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                           1,000
       
<S>                                                             <C>
<PERIOD-TYPE>                                                          3-MOS
<FISCAL-YEAR-END>                                                DEC-31-1997
<PERIOD-START>                                                   JAN-01-1997
<PERIOD-END>                                                     MAR-31-1997
<CASH>                                                                 6,658
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                       4,000
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           17,683
<INVESTMENTS-CARRYING>                                                     0
<INVESTMENTS-MARKET>                                                       0
<LOANS>                                                               88,144
<ALLOWANCE>                                                            1,209
<TOTAL-ASSETS>                                                       120,285
<DEPOSITS>                                                            99,245
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                      880
<LONG-TERM>                                                            8,000
<COMMON>                                                               4,961
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<OTHER-SE>                                                             5,803
<TOTAL-LIABILITIES-AND-EQUITY>                                       120,285
<INTEREST-LOAN>                                                        2,026
<INTEREST-INVEST>                                                        278
<INTEREST-OTHER>                                                          36
<INTEREST-TOTAL>                                                       2,340
<INTEREST-DEPOSIT>                                                       826
<INTEREST-EXPENSE>                                                       943
<INTEREST-INCOME-NET>                                                  1,397
<LOAN-LOSSES>                                                             30
<SECURITIES-GAINS>                                                        18
<EXPENSE-OTHER>                                                        1,215
<INCOME-PRETAX>                                                          423
<INCOME-PRE-EXTRAORDINARY>                                               423
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             349
<EPS-PRIMARY>                                                           0.70
<EPS-DILUTED>                                                              0
<YIELD-ACTUAL>                                                             0
<LOANS-NON>                                                              193
<LOANS-PAST>                                                             437
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                       1,182
<CHARGE-OFFS>                                                             11
<RECOVERIES>                                                               7
<ALLOWANCE-CLOSE>                                                      1,209
<ALLOWANCE-DOMESTIC>                                                     547
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                  662
        


</TABLE>