<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     THE SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     CONSOLIDATED FINANCIAL STATEMENTS OF RIDGESTONE FINANCIAL SERVICES, INC. AS
     OF AND FOR THE TWELVE  MONTHS  ENDED  DECEMBER 31, 1999 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-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                           2,400,560
<INT-BEARING-DEPOSITS>                             264,024
<FED-FUNDS-SOLD>                                 4,532,173
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        128,500
<INVESTMENTS-CARRYING>                             999,381
<INVESTMENTS-MARKET>                               995,203
<LOANS>                                         51,692,567
<ALLOWANCE>                                        653,270
<TOTAL-ASSETS>                                  64,838,223
<DEPOSITS>                                      57,464,391
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                712,424
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         8,417,117
<OTHER-SE>                                      (1,717,271)
<TOTAL-LIABILITIES-AND-EQUITY>                  64,838,223
<INTEREST-LOAN>                                  4,263,539
<INTEREST-INVEST>                                  276,087
<INTEREST-OTHER>                                   292,190
<INTEREST-TOTAL>                                 4,831,816
<INTEREST-DEPOSIT>                               2,417,939
<INTEREST-EXPENSE>                               2,417,939
<INTEREST-INCOME-NET>                            2,413,877
<LOAN-LOSSES>                                      191,977
<SECURITIES-GAINS>                                 (15,402)
<EXPENSE-OTHER>                                  2,339,430
<INCOME-PRETAX>                                    104,143
<INCOME-PRE-EXTRAORDINARY>                         104,143
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       104,143
<EPS-BASIC>                                         0.55
<EPS-DILUTED>                                         0.55
<YIELD-ACTUAL>                                        7.93
<LOANS-NON>                                        325,055
<LOANS-PAST>                                     1,471,621
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   562,747
<CHARGE-OFFS>                                      191,977
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                  653,270
<ALLOWANCE-DOMESTIC>                               613,280
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                             39,990



</TABLE>