<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 THREE MONTHS ENDED MARCH 31, 1997 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       1,177,859
<INT-BEARING-DEPOSITS>                         200,018
<FED-FUNDS-SOLD>                            10,306,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,118,043
<INVESTMENTS-CARRYING>                       4,999,463
<INVESTMENTS-MARKET>                         4,997,312
<LOANS>                                     26,178,498
<ALLOWANCE>                                    334,740
<TOTAL-ASSETS>                              45,449,011
<DEPOSITS>                                  39,369,774
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            293,149
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,721,399
<OTHER-SE>                                 (1,876,969)
<TOTAL-LIABILITIES-AND-EQUITY>               5,844,430
<INTEREST-LOAN>                                498,970
<INTEREST-INVEST>                              189,896
<INTEREST-OTHER>                                67,483
<INTEREST-TOTAL>                               756,349
<INTEREST-DEPOSIT>                             459,575
<INTEREST-EXPENSE>                             459,575
<INTEREST-INCOME-NET>                          296,774
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              76,354
<EXPENSE-OTHER>                                399,882
<INCOME-PRETAX>                                  3,408
<INCOME-PRE-EXTRAORDINARY>                       3,408
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,408
<EPS-PRIMARY>                                     0.00
<EPS-DILUTED>                                     0.00
<YIELD-ACTUAL>                                    7.30
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               334,740
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              334,740
<ALLOWANCE-DOMESTIC>                           135,494
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        199,246
        

</TABLE>