<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONDENSED
CONSOLIDATED  FINANCIAL  STATEMENTS OF RIDESTONE FINANCIAL SERVICES,  INC. AS OF
AND FOR THE  NINE  MONTHS  ENDED  SEPTEMBER  30,  1998 AND IS  QULAIFIED  IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   SEP-30-1998
 <CASH>                                        2,120,061   
<INT-BEARING-DEPOSITS>                         6,655      
<FED-FUNDS-SOLD>                               8,623,000  
<TRADING-ASSETS>                               0          
<INVESTMENTS-HELD-FOR-SALE>                    613,225    
<INVESTMENTS-CARRYING>                         2,042,000  
<INVESTMENTS-MARKET>                           1,999,556  
<LOANS>                                        50,559,001 
<ALLOWANCE>                                    543,367    
<TOTAL-ASSETS>                                 69,449,103 
<DEPOSITS>                                     62,567,217
<SHORT-TERM>                                   0              
<LIABILITIES-OTHER>                            725,430        
<LONG-TERM>                                    0              
<PREFERRED-MANDATORY>                          0              
<PREFERRED>                                    0              
<COMMON>                                       8,411,732      
<OTHER-SE>                                     (2,272,745)    
<TOTAL-LIABILITIES-AND-EQUITY>                 69,449,103         
<INTEREST-LOAN>                                3,127,392      
<INTEREST-INVEST>                              292,327        
<INTEREST-OTHER>                               208,197        
<INTEREST-TOTAL>                               3,627,916      
<INTEREST-DEPOSIT>                             2,151,636      
<INTEREST-EXPENSE>                             2,151,636      
<INTEREST-INCOME-NET>                          1,476,580      
<LOAN-LOSSES>                                  126,373        
<SECURITIES-GAINS>                             (7,687)        
<EXPENSE-OTHER>                                1,487,726      
<INCOME-PRETAX>                                112,848        
<INCOME-PRE-EXTRAORDINARY>                     112,848 
<EXTRAORDINARY>                                0               
<CHANGES>                                      0               
<NET-INCOME>                                   112,848         
<EPS-PRIMARY><F1>                              0.29            
<EPS-DILUTED><F1>                              0.29            
<YIELD-ACTUAL>                                 8.15            
<LOANS-NON>                                    700,522         
<LOANS-PAST>                                   4,038,934       
<LOANS-TROUBLED>                               0               
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               624,740
<CHARGE-OFFS>                                  126,373
<RECOVERIES>                                   543,367
<ALLOWANCE-CLOSE>                              0
<ALLOWANCE-DOMESTIC>                           360,980
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        182,387
<FN>
<F1>On May 21, 1998, Ridgestone Financial Services, Inc. paid a 5% stock
dividend on issued and outstanding shares of its common stock.  Prior
Financial Data Schedules have not been restated to reflect this dividend.
</FN>
        

</TABLE>