<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Registrant's  unaudited  consolidated  financial  statements for the nine months
ended  September  30, 2000 and is qualified in its entirety by reference to such
statements.
</LEGEND>
<CIK>                                          0001015593
<NAME>                                         River Valley Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                1.000
<CASH>                                         3,350
<INT-BEARING-DEPOSITS>                         4,692
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    5,658
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        137,064
<ALLOWANCE>                                    1,633
<TOTAL-ASSETS>                                 156,208
<DEPOSITS>                                     128,044
<SHORT-TERM>                                   9,450
<LIABILITIES-OTHER>                            1,561
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       0
<OTHER-SE>                                     17,153
<TOTAL-LIABILITIES-AND-EQUITY>                 156,208
<INTEREST-LOAN>                                7,498
<INTEREST-INVEST>                              316
<INTEREST-OTHER>                               246
<INTEREST-TOTAL>                               8,060
<INTEREST-DEPOSIT>                             3,690
<INTEREST-EXPENSE>                             3,995
<INTEREST-INCOME-NET>                          4,065
<LOAN-LOSSES>                                  132
<SECURITIES-GAINS>                             (4)
<EXPENSE-OTHER>                                2,848
<INCOME-PRETAX>                                1,906
<INCOME-PRE-EXTRAORDINARY>                     707
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,199
<EPS-BASIC>                                    1.39
<EPS-DILUTED>                                  1.39
<YIELD-ACTUAL>                                 3.90
<LOANS-NON>                                    0
<LOANS-PAST>                                   542
<LOANS-TROUBLED>                               785
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,479
<CHARGE-OFFS>                                  55
<RECOVERIES>                                   33
<ALLOWANCE-CLOSE>                              1,633
<ALLOWANCE-DOMESTIC>                           1,633
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        24



</TABLE>