<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF VALLEY
RIDGE FINANCIAL CORP. FOR THE PERIOD ENDED JUNE 30, 1998 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-31-1998
<PERIOD-START>                                                  JAN-01-1998
<PERIOD-END>                                                    JUN-30-1998
<CASH>                                                                5,973
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      1,300
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          25,791
<INVESTMENTS-CARRYING>                                               25,791
<INVESTMENTS-MARKET>                                                 25,791
<LOANS>                                                              96,666
<ALLOWANCE>                                                           1,230
<TOTAL-ASSETS>                                                      136,723
<DEPOSITS>                                                          109,986
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                   1,898
<LONG-TERM>                                                          11,000
<COMMON>                                                              6,200
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            7,639
<TOTAL-LIABILITIES-AND-EQUITY>                                      136,723
<INTEREST-LOAN>                                                       4,412
<INTEREST-INVEST>                                                       716
<INTEREST-OTHER>                                                        109
<INTEREST-TOTAL>                                                      5,238
<INTEREST-DEPOSIT>                                                    1,822
<INTEREST-EXPENSE>                                                    2,152
<INTEREST-INCOME-NET>                                                 3,085
<LOAN-LOSSES>                                                            75
<SECURITIES-GAINS>                                                       80
<EXPENSE-OTHER>                                                       2,574
<INCOME-PRETAX>                                                       1,046
<INCOME-PRE-EXTRAORDINARY>                                            1,046
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            818
<EPS-PRIMARY>                                                          1.32
<EPS-DILUTED>                                                          1.32
<YIELD-ACTUAL>                                                         4.98
<LOANS-NON>                                                             922
<LOANS-PAST>                                                            569
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,187
<CHARGE-OFFS>                                                            53
<RECOVERIES>                                                             21
<ALLOWANCE-CLOSE>                                                     1,230
<ALLOWANCE-DOMESTIC>                                                  1,230
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 547
        


</TABLE>