<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATIOON EXTRACTED FROM THE
CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF RIDGESTONE FINANCIAL
SERVICES, INC. AS OF AND FOR THE THREE MONTHS ENDED SEPTEMBER 30, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         3,614,362
<INT-BEARING-DEPOSITS>                         261,948
<FED-FUNDS-SOLD>                               1,975,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,807,486
<INVESTMENTS-CARRYING>                         999,340
<INVESTMENTS-MARKET>                           999,340
<LOANS>                                        52,690,306
<ALLOWANCE>                                    563,305
<TOTAL-ASSETS>                                 66,175,462
<DEPOSITS>                                     59,090,540
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            525,057
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       8,417,117
<OTHER-SE>                                     (1,825,627)
<TOTAL-LIABILITIES-AND-EQUITY>                 66,175,462
<INTEREST-LOAN>                                3,062,623
<INTEREST-INVEST>                              307,950
<INTEREST-OTHER>                               177,279
<INTEREST-TOTAL>                               3,547,852
<INTEREST-DEPOSIT>                             1,834,932
<INTEREST-EXPENSE>                             1,834,932
<INTEREST-INCOME-NET>                          1,712,920
<LOAN-LOSSES>                                  191,942
<SECURITIES-GAINS>                             15,402
<EXPENSE-OTHER>                                1,672,296
<INCOME-PRETAX>                                79,972
<INCOME-PRE-EXTRAORDINARY>                     79,972
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   79,972
<EPS-BASIC>                                  0.42
<EPS-DILUTED>                                  0.38
<YIELD-ACTUAL>                                 7.71
<LOANS-NON>                                    148,846
<LOANS-PAST>                                   2,626,775
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               562,747
<CHARGE-OFFS>                                  191,942
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              563,305
<ALLOWANCE-DOMESTIC>                           643,572
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        80,267


</TABLE>