<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED CONDENSED FINANCIAL STATEMENTS OF VALLEY RIDGE
FINANCIAL CORP. FOR THE PERIOD ENDED MARCH 31, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000
       
                                                            
<PERIOD-TYPE>                                                         3-MOS
<FISCAL-YEAR-END>                                               DEC-31-1996
<PERIOD-START>                                                  JAN-01-1996
<PERIOD-END>                                                    MAR-31-1996
<CASH>                                                                3,715
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      3,400
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          14,114
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              60,256
<ALLOWANCE>                                                             912
<TOTAL-ASSETS>                                                       85,064
<DEPOSITS>                                                           70,372
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                     590
<LONG-TERM>                                                           5,000
<COMMON>                                                              3,739
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            5,219
<TOTAL-LIABILITIES-AND-EQUITY>                                       85,064
<INTEREST-LOAN>                                                       1,427
<INTEREST-INVEST>                                                       237
<INTEREST-OTHER>                                                         21
<INTEREST-TOTAL>                                                      1,685
<INTEREST-DEPOSIT>                                                      607
<INTEREST-EXPENSE>                                                      677
<INTEREST-INCOME-NET>                                                 1,008
<LOAN-LOSSES>                                                            30
<SECURITIES-GAINS>                                                       10
<EXPENSE-OTHER>                                                         906
<INCOME-PRETAX>                                                         273
<INCOME-PRE-EXTRAORDINARY>                                              273
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            222
<EPS-PRIMARY>                                                           .59
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                              71
<LOANS-PAST>                                                             53
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                        884
<CHARGE-OFFS>                                                             7
<RECOVERIES>                                                              6
<ALLOWANCE-CLOSE>                                                       912
<ALLOWANCE-DOMESTIC>                                                    400
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 512