<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       2,290,914
<INT-BEARING-DEPOSITS>                         204,829
<FED-FUNDS-SOLD>                             5,103,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    892,778
<INVESTMENTS-CARRYING>                       4,252,382
<INVESTMENTS-MARKET>                         4,287,287
<LOANS>                                     46,497,033
<ALLOWANCE>                                    504,325
<TOTAL-ASSETS>                              62,293,945
<DEPOSITS>                                  55,833,344
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            542,302
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,721,399
<OTHER-SE>                                 (1,831,675)
<TOTAL-LIABILITIES-AND-EQUITY>               5,889,724
<INTEREST-LOAN>                              1,013,187
<INTEREST-INVEST>                               81,913
<INTEREST-OTHER>                                52,463
<INTEREST-TOTAL>                             1,147,563
<INTEREST-DEPOSIT>                             671,745
<INTEREST-EXPENSE>                             671,745
<INTEREST-INCOME-NET>                          475,818
<LOAN-LOSSES>                                  125,415
<SECURITIES-GAINS>                            (31,435)
<EXPENSE-OTHER>                                498,504
<INCOME-PRETAX>                                 15,618
<INCOME-PRE-EXTRAORDINARY>                      15,618
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,618
<EPS-PRIMARY>                                     0.01
<EPS-DILUTED>                                     0.01
<YIELD-ACTUAL>                                    8.19
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               629,740
<CHARGE-OFFS>                                  125,415
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              504,325
<ALLOWANCE-DOMESTIC>                           323,916
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        180,408
        

</TABLE>