<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATIOON EXTRACTED FROM THE 
CONDENSED CONSOLIDATED FINANCIAL STATEMENTS OF RIDGESTONE FINANCIAL 
SERVICES, INC. AS OF AND FOR THE THREE MONTHS ENDED MARCH 31, 1999 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-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                         2,651,399
<INT-BEARING-DEPOSITS>                         8,141
<FED-FUNDS-SOLD>                               11,563,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    2,104,377
<INVESTMENTS-CARRYING>                         1,750,009
<INVESTMENTS-MARKET>                           1,770,228
<LOANS>                                        47,344,917
<ALLOWANCE>                                    540,247
<TOTAL-ASSETS>                                 70,445,713
<DEPOSITS>                                     63,609,892
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            529,806
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       8,417,117
<OTHER-SE>                                     (2,101,368)
<TOTAL-LIABILITIES-AND-EQUITY>                 70,445,713
<INTEREST-LOAN>                                950,154
<INTEREST-INVEST>                              82,407
<INTEREST-OTHER>                               111,393
<INTEREST-TOTAL>                               1,143,953
<INTEREST-DEPOSIT>                             626,686
<INTEREST-EXPENSE>                             626,686
<INTEREST-INCOME-NET>                          517,267
<LOAN-LOSSES>                                  30,000
<SECURITIES-GAINS>                             (15,402)
<EXPENSE-OTHER>                                552,521
<INCOME-PRETAX>                                20,131
<INCOME-PRE-EXTRAORDINARY>                     20,131
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   20,131
<EPS-PRIMARY>                                  0.11
<EPS-DILUTED>                                  0.11
<YIELD-ACTUAL>                                 7.43
<LOANS-NON>                                    532,935
<LOANS-PAST>                                   3,055,517
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               562,747
<CHARGE-OFFS>                                  30,000
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              540,247
<ALLOWANCE-DOMESTIC>                           400,011
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        140,236
        


</TABLE>