# Exhibit 31.2

# Certification of
Senior Vice President and Treasurer 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, William R. Hayes, 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 e nd 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 13, 2003

/s/ William R. Hayes William
R. Hayes Senior Vice President and Treasurer