VALLEY RIDGE FINANCIAL CORP
S-8, 1999-12-30
STATE COMMERCIAL BANKS
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EXHIBIT 23.2


CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

 

We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of our Report of Independent Auditors dated February 19, 1999 which appears in Valley Ridge Financial Corporation's Annual Report on Form 10-KSB for the year ended December 31, 1998.
 
 

  s/Crowe, Chizek and Company LLP 
  Crowe, Chizek and Company LLP
   
   
Grand Rapids, Michigan
December 30, 1999
 


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