<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, 1998 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       2,201,173
<INT-BEARING-DEPOSITS>                           9,196
<FED-FUNDS-SOLD>                            10,711,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    894,056
<INVESTMENTS-CARRYING>                       2,501,616
<INVESTMENTS-MARKET>                         2,531,256
<LOANS>                                     48,190,081
<ALLOWANCE>                                    513,367
<TOTAL-ASSETS>                              67,190,105
<DEPOSITS>                                  60,377,129
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            766,632
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,721,399
<OTHER-SE>                                 (1,675,055)
<TOTAL-LIABILITIES-AND-EQUITY>              67,190,105
<INTEREST-LOAN>                              2,008,681
<INTEREST-INVEST>                              152,195
<INTEREST-OTHER>                               158,166
<INTEREST-TOTAL>                             2,319,042
<INTEREST-DEPOSIT>                           1,390,367
<INTEREST-EXPENSE>                           1,390,367
<INTEREST-INCOME-NET>                          928,675
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                             (7,687)
<EXPENSE-OTHER>                                951,878
<INCOME-PRETAX>                                 61,810
<INCOME-PRE-EXTRAORDINARY>                      61,810
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   154,510
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                  624,740
<RECOVERIES>                                   126,373
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                           513,367
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        513,367
        

</TABLE>