<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF RIDGESTEON FINANCIAL
SERVICES, INC. AS OF AND FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1997
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,445,332
<INT-BEARING-DEPOSITS>                          29,195
<FED-FUNDS-SOLD>                             4,056,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,878,594
<INVESTMENTS-CARRYING>                       4,799,394
<INVESTMENTS-MARKET>                         4,753,781
<LOANS>                                     40,351,115
<ALLOWANCE>                                    334,740
<TOTAL-ASSETS>                              54,129,199
<DEPOSITS>                                  47,541,600
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            395,662
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,721,399
<OTHER-SE>                                 (1,529,464)
<TOTAL-LIABILITIES-AND-EQUITY>               6,191,935
<INTEREST-LOAN>                              1,922,499
<INTEREST-INVEST>                              458,926
<INTEREST-OTHER>                               162,362
<INTEREST-TOTAL>                             2,543,788
<INTEREST-DEPOSIT>                           1,495,304
<INTEREST-EXPENSE>                           1,495,304
<INTEREST-INCOME-NET>                        1,048,484
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                             167,659
<EXPENSE-OTHER>                              1,310,666
<INCOME-PRETAX>                                 36,986
<INCOME-PRE-EXTRAORDINARY>                      36,986
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    36,986
<EPS-PRIMARY>                                      .04
<EPS-DILUTED>                                      .04
<YIELD-ACTUAL>                                    7.72
<LOANS-NON>                                    448,699
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               334,740
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              334,740
<ALLOWANCE-DOMESTIC>                           482,959
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      (148,219)
        

</TABLE>