<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 MARCH 31, 1998 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-31-1998
<PERIOD-START>                                                  JAN-01-1998
<PERIOD-END>                                                    MAR-31-1998
<CASH>                                                                5,993
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      3,100
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                               0
<INVESTMENTS-CARRYING>                                               25,029
<INVESTMENTS-MARKET>                                                 25,029
<LOANS>                                                              92,417
<ALLOWANCE>                                                           1,233
<TOTAL-ASSETS>                                                      132,467
<DEPOSITS>                                                          106,689
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                       0
<LONG-TERM>                                                          11,000
<COMMON>                                                              6,200
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            7,365
<TOTAL-LIABILITIES-AND-EQUITY>                                      132,467
<INTEREST-LOAN>                                                       2,178
<INTEREST-INVEST>                                                       345
<INTEREST-OTHER>                                                         69
<INTEREST-TOTAL>                                                      2,593
<INTEREST-DEPOSIT>                                                      934
<INTEREST-EXPENSE>                                                    1,099
<INTEREST-INCOME-NET>                                                 1,494
<LOAN-LOSSES>                                                            38
<SECURITIES-GAINS>                                                       81
<EXPENSE-OTHER>                                                       1,224
<INCOME-PRETAX>                                                         584
<INCOME-PRE-EXTRAORDINARY>                                              584
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            454
<EPS-PRIMARY>                                                           .71
<EPS-DILUTED>                                                           .71
<YIELD-ACTUAL>                                                         4.97
<LOANS-NON>                                                             123
<LOANS-PAST>                                                          2,779
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,187
<CHARGE-OFFS>                                                             2
<RECOVERIES>                                                             10
<ALLOWANCE-CLOSE>                                                     1,233
<ALLOWANCE-DOMESTIC>                                                    699
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 534
        


</TABLE>