<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 SIX MONTHS  ENDED JUNE 30, 1999 AND IS  QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                         1,888,813
<INT-BEARING-DEPOSITS>                         259,892
<FED-FUNDS-SOLD>                               7,457,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,818,361
<INVESTMENTS-CARRYING>                         1,752,419
<INVESTMENTS-MARKET>                           1,752,419
<LOANS>                                        49,676,250
<ALLOWANCE>                                    449,884
<TOTAL-ASSETS>                                 68,135,126
<DEPOSITS>                                     60,938,437
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            745,628
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       8,417,117
<OTHER-SE>                                     (1,948,047)
<TOTAL-LIABILITIES-AND-EQUITY>                 68,135,126
<INTEREST-LOAN>                                1,959,286
<INTEREST-INVEST>                              204,189
<INTEREST-OTHER>                               148,102
<INTEREST-TOTAL>                               2,311,577
<INTEREST-DEPOSIT>                             1,233,777
<INTEREST-EXPENSE>                             1,233,777
<INTEREST-INCOME-NET>                          1,077,800
<LOAN-LOSSES>                                  180,363
<SECURITIES-GAINS>                             15,402
<EXPENSE-OTHER>                                1,102,388
<INCOME-PRETAX>                                52,392
<INCOME-PRE-EXTRAORDINARY>                     52,392
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   52,392
<EPS-BASIC>                                  0.17
<EPS-DILUTED>                                  0.17
<YIELD-ACTUAL>                                 7.53
<LOANS-NON>                                    215,841
<LOANS-PAST>                                   5,438,688
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               562,747
<CHARGE-OFFS>                                  180,363
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              449,884
<ALLOWANCE-DOMESTIC>                           606,733
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        156,849


</TABLE>