<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
         THE SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM
RIVER VALLEY AND IS  QUALIFIED  IN ITS  ENTIRETY BY REFERENCE TO SUCH  FINANCIAL
STATEMENTS.
</LEGEND>
<CIK>                         0001015593
<NAME>                        River Valley Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-1-1997
<PERIOD-END>                                   MAR-31-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         2,999
<INT-BEARING-DEPOSITS>                         3,534
<FED-FUNDS-SOLD>                               300
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    6,457
<INVESTMENTS-CARRYING>                         10,692
<INVESTMENTS-MARKET>                           10,573
<LOANS>                                        108,640
<ALLOWANCE>                                    1,169
<TOTAL-ASSETS>                                 138,325
<DEPOSITS>                                     118,661
<SHORT-TERM>                                   500
<LIABILITIES-OTHER>                            2,065
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       0
<OTHER-SE>                                     17,099
<TOTAL-LIABILITIES-AND-EQUITY>                 138,325
<INTEREST-LOAN>                                2,201
<INTEREST-INVEST>                              293
<INTEREST-OTHER>                               117
<INTEREST-TOTAL>                               2,611
<INTEREST-DEPOSIT>                             1,250
<INTEREST-EXPENSE>                             1,254
<INTEREST-INCOME-NET>                          1,357
<LOAN-LOSSES>                                  96
<SECURITIES-GAINS>                             2
<EXPENSE-OTHER>                                1,088
<INCOME-PRETAX>                                584
<INCOME-PRE-EXTRAORDINARY>                     584
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   341
<EPS-PRIMARY>                                  .31
<EPS-DILUTED>                                  .31
<YIELD-ACTUAL>                                 4.07
<LOANS-NON>                                    0
<LOANS-PAST>                                   86
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,074
<CHARGE-OFFS>                                  1
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              1,169
<ALLOWANCE-DOMESTIC>                           12
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,157
        


</TABLE>