<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 SEPTEMBER 30, 1998 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-31-1998
<PERIOD-START>                                                  JAN-01-1998
<PERIOD-END>                                                    SEP-30-1998
<CASH>                                                                5,397
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      1,500
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                               0
<INVESTMENTS-CARRYING>                                               27,524
<INVESTMENTS-MARKET>                                                 27,524
<LOANS>                                                              99,742
<ALLOWANCE>                                                           1,229
<TOTAL-ASSETS>                                                      142,490
<DEPOSITS>                                                          115,211
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                       0
<LONG-TERM>                                                          11,000
<COMMON>                                                              7,677
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            6,606
<TOTAL-LIABILITIES-AND-EQUITY>                                      142,490
<INTEREST-LOAN>                                                       6,701
<INTEREST-INVEST>                                                     1,094
<INTEREST-OTHER>                                                        148
<INTEREST-TOTAL>                                                      7,943
<INTEREST-DEPOSIT>                                                    2,762
<INTEREST-EXPENSE>                                                    3,264
<INTEREST-INCOME-NET>                                                 4,679
<LOAN-LOSSES>                                                           113
<SECURITIES-GAINS>                                                      127
<EXPENSE-OTHER>                                                       3,959
<INCOME-PRETAX>                                                       1,482
<INCOME-PRE-EXTRAORDINARY>                                            1,482
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,172
<EPS-PRIMARY>                                                          1.89
<EPS-DILUTED>                                                          1.89
<YIELD-ACTUAL>                                                         4.82
<LOANS-NON>                                                             237
<LOANS-PAST>                                                            125
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,187
<CHARGE-OFFS>                                                            99
<RECOVERIES>                                                             29
<ALLOWANCE-CLOSE>                                                     1,229
<ALLOWANCE-DOMESTIC>                                                  1,229
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 396
        


</TABLE>