# Exhibit 31.1

# Certification of
Chairman of the Board and Chief Executive Officer Pursuant to Section 302 of the
Sarbanes-Oxley Act and Rule 13a-14(a) or 15d-14(a) under the Securities Exchange
Act of 1934

I, Paul E. Menzel, certify that:

1.              I
have reviewed this Quarterly Report on Form 10-QSB of Ridgestone Financial
          Services, Inc.;

2.              Based
on my knowledge, this report does not contain any untrue statement of a
          material fact or omit to state a material fact necessary to make the statements
          made, in light of the circumstances under which such statements were made, not
          misleading with respect to the period covered by this report;

3.              Based
on my knowledge, the financial statements, and other financial information
          included in this report, fairly present in all material respects the financial
          condition, results of operations and cash flows of the small business issuer as
          of, and for, the periods presented in this report;

4.              The
small business issuers other certifying officer and I are responsible           for
establishing and maintaining disclosure controls and procedures (as defined           in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the small business issuer and
          have:

| | (a)
                  Designed such disclosure controls
and procedures, or caused such disclosure           controls and procedures to be
designed under our supervision, to ensure that           material information relating to
the small business issuer, including its           consolidated subsidiaries, is made
known to us by others within those entities,           particularly during the period in
which this report is being prepared;
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (b)
                  Evaluated the effectiveness of the
small business issuers disclosure           controls and procedures and presented
in this report our conclusions about the           effectiveness of the disclosure
controls and procedures, as of the end of the           period covered by this report
based on such evaluation; and
| | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (c)
                  Disclosed in this report any change
in the small business issuers           internal control over financial reporting
that occurred during the small           business issuers most recent fiscal
quarter (the small business           issuers fourth fiscal quarter in the case of
an annual report) that has           materially affected, or is reasonably likely to
materially affect, the small           business issuers internal control over
financial reporting; and
| | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.              The
small business issuers other certifying officer and I have disclosed,
          based on our most recent evaluation of internal control over financial
          reporting, to the small business issuers auditors and the audit committee
          of the small business issuers board of directors (or persons performing
          the equivalent functions):

| | (a)
                  All significant deficiencies and
material weaknesses in the design or operation           of internal control over
financial reporting which are reasonably likely to           adversely affect the small
business issuers ability to record, process,           summarize and report
financial information; and
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (b)
                  Any fraud, whether or not material,
that involves management or other employees           who have a significant role in the
small business issuers internal control           over financial reporting.
| | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date:  November 10, 2004

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|/s/  Paul E. Menzel                                              | 
|Paul E. Menzel
Chairman of the Board and
Chief Executive Officer |