<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         0001015593
<NAME>                        River Valley Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
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<PERIOD-END>                                   DEC-31-1996
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<COMMON>                                       0
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<LOAN-LOSSES>                                  22
<SECURITIES-GAINS>                             (9)
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<CHANGES>                                      0
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