<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FINANCIAL
STATEMENTS OF RIDGESTONE FINANCIAL SERVICES INC. AS OF AND FOR THE NINE MONTHS
ENDED SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                             981
<INT-BEARING-DEPOSITS>                             516
<FED-FUNDS-SOLD>                                18,162
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,075
<INVESTMENTS-CARRYING>                           5,255
<INVESTMENTS-MARKET>                             5,257
<LOANS>                                          8,335
<ALLOWANCE>                                         70
<TOTAL-ASSETS>                                  35,580
<DEPOSITS>                                      29,043
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                221
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,721
<OTHER-SE>                                     (1,405)
<TOTAL-LIABILITIES-AND-EQUITY>                   6,316
<INTEREST-LOAN>                                    291
<INTEREST-INVEST>                                  584
<INTEREST-OTHER>                                    26
<INTEREST-TOTAL>                                   901
<INTEREST-DEPOSIT>                                 587
<INTEREST-EXPENSE>                                 587
<INTEREST-INCOME-NET>                              314
<LOAN-LOSSES>                                       61
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,055
<INCOME-PRETAX>                                    802
<INCOME-PRE-EXTRAORDINARY>                         802
<EXTRAORDINARY>                                      1
<CHANGES>                                            0
<NET-INCOME>                                       803
<EPS-PRIMARY>                                   (0.96)
<EPS-DILUTED>                                   (0.96)
<YIELD-ACTUAL>                                    6.31
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     9
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   61
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             70
        

</TABLE>