<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONDENSED
CONSOLIDATED  FINANCIAL STATEMENTS OF RIDGESTONE FINANCIAL SERVICES,  INC. AS OF
AND FOR THE YEAR ENDED  DECEMBER  31, 1998 AND IS  QUALIFIED  IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         2,741,672
<INT-BEARING-DEPOSITS>                         2,649
<FED-FUNDS-SOLD>                               12,525,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    615,284
<INVESTMENTS-CARRYING>                         1,750,335
<INVESTMENTS-MARKET>                           1,780,700
<LOANS>                                        48,869,077
<ALLOWANCE>                                    562,747
<TOTAL-ASSETS>                                 71,335,535
<DEPOSITS>                                     64,552,856
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            614,535
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       8,417,117
<OTHER-SE>                                     (2,196,449)
<TOTAL-LIABILITIES-AND-EQUITY>                 71,335,535
<INTEREST-LOAN>                                4,284,718
<INTEREST-INVEST>                              237,396
<INTEREST-OTHER>                               418,829
<INTEREST-TOTAL>                               4,940,943
<INTEREST-DEPOSIT>                             2,881,181
<INTEREST-EXPENSE>                             2,881,181
<INTEREST-INCOME-NET>                          2,059,762  
<LOAN-LOSSES>                                  126,993    
<SECURITIES-GAINS>                             (7,687)    
<EXPENSE-OTHER>                                2,137,760  
<INCOME-PRETAX>                                139,174    
<INCOME-PRE-EXTRAORDINARY>                     139,174    
<EXTRAORDINARY>                                0          
<CHANGES>                                      0          
<NET-INCOME>                                   139,174    
<EPS-PRIMARY>                                  0.38       
<EPS-DILUTED>                                  0.37       
<YIELD-ACTUAL>                                 8.17       
<LOANS-NON>                                    492,540    
<LOANS-PAST>                                   2,511,942  
<LOANS-TROUBLED>                               0          
<LOANS-PROBLEM>                                30,000     
<ALLOWANCE-OPEN>                               624,740    
<CHARGE-OFFS>                                  126,993    
<RECOVERIES>                                   0          
<ALLOWANCE-CLOSE>                              562,747    
<ALLOWANCE-DOMESTIC>                           310,296       
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        252,451
        


</TABLE>