Registration No. 333-
                                                                             


                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.  20549
                           ___________________________

                                    FORM S-8
                             REGISTRATION STATEMENT
                                      Under
                           THE SECURITIES ACT OF 1933
                               __________________

                       Ridgestone Financial Services, Inc.
             (Exact name of registrant as specified in its charter)


             Wisconsin                                       39-1797151      
    (State or other jurisdiction                          (I.R.S. Employer   
   of incorporation or organization)                     Identification No.) 

                        
              13925 West North Avenue
               Brookfield, Wisconsin                              53005
     (Address of principal executive offices)                   (Zip Code)


           Ridgestone Financial Services, Inc. 1996 Stock Option Plan
                            (Full title of the plan)


 
                                                         Copy to:
             Paul E. Menzel
  President and Chief Executive Officer                Jay O. Rothman
   Ridgestone Financial Services, Inc.                 Foley & Lardner
         13925 West North Avenue                  777 East Wisconsin Avenue
       Brookfield, Wisconsin 53005               Milwaukee, Wisconsin 53202
             (414) 789-1011                            (414) 271-2400
            
(Name, address and telephone number, including area
       code, of agent for service)

                           __________________________

                         CALCULATION OF REGISTRATION FEE

                                   Proposed       Proposed
                                   Maximum        Maximum
       Title of        Amount      Offering      Aggregate       Amount of
     Securities to     to be        Price        Offering       Registration
     be Registered   Registered   Per Share        Price            Fee
    Common Stock,     100,000     $14.75 (1)   $1,475,000 (1)     $446.97 
     no par value      shares


   (1)   Estimated pursuant to Rule 457(c) under the Securities Act of 1933
         solely for the purpose of calculating the registration fee based on
         market data for Ridgestone Financial Services, Inc. Common Stock as
         reflected on the over-the-counter market on May 30, 1997.

   <PAGE>

                                     PART I

              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

             The document or documents containing the information specified
   in Part I are not required to be filed with the Securities and Exchange
   Commission (the "Commission") as part of this Form S-8 Registration
   Statement. 

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

   Item 3.   Incorporation of Documents by Reference.

             The following documents filed with the Commission by Ridgestone
   Financial Services, Inc. (the "Company") under File No. 0-27984 are hereby
   incorporated herein by reference:

             1.   The Company's Annual Report on Form 10-KSB for the fiscal
   year ended December 31, 1996, which includes certified financial
   statements as of and for the fiscal year ended December 31, 1996.

             2.   The Company's Quarterly Report on Form 10-QSB for the
   quarter ended March 31, 1997.

             3.   The description of the Company's Common Stock contained in
   Item 1 of the Company's Registration Statement on Form 8-A, dated March
   13, 1996, and any amendment or report filed for the purpose of updating
   such description.

             All documents subsequently filed by the Company pursuant to
   Sections 13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of
   1934, as amended, after the date of filing of this Registration Statement
   and prior to such time as the Company files a post-effective amendment to
   this Registration Statement which indicates that all securities offered
   hereby have been sold or which deregisters all securities then remaining
   unsold shall be deemed to be incorporated by reference in this
   Registration Statement and to be a part hereof from the date of filing of
   such documents.

   Item 4.   Description of Securities.

             Not applicable.

   Item 5.   Interests of Named Experts and Counsel.

             Not applicable.

   Item 6.   Indemnification of Directors and Officers.

             Pursuant to the Wisconsin Business Corporation Law and the
   Company's By-laws, directors and officers of the Company are entitled to
   mandatory indemnification from the Company against certain liabilities and
   expenses (i) to the extent such officers or directors are successful in
   the defense of a proceeding and (ii) in proceedings in which the director
   or officer is not successful in defense thereof, unless it is determined
   that the director or officer breached or failed to perform his or her
   duties to the Company and such breach or failure constituted:  (a) a
   willful failure to deal fairly with the Company or its shareholders in
   connection with a matter in which the director or officer had a material
   conflict of interest; (b) a violation of the criminal law unless the
   director or officer had reasonable cause to believe his or her conduct was
   lawful or had no reasonable cause to believe his or her conduct was
   unlawful; (c) a transaction from which the director or officer derived an
   improper personal profit; or (d) willful misconduct.  It should be noted
   that the Wisconsin Business Corporation Law specifically states that it is
   the public policy of Wisconsin to require or permit indemnification in
   connection with a proceeding involving securities regulation, as described
   therein, to the extent required or permitted as described above. 
   Additionally, under the Wisconsin Business Corporation Law, directors of
   the Company are not subject to personal liability to the Company, its
   shareholders or any person asserting rights on behalf thereof for certain
   breaches or failures to perform any duty resulting solely from their
   status as directors except in circumstances paralleling those in
   subparagraphs (a) through (d) outlined above.

             Expenses for the defense of any action for which indemnification
   may be available may be advanced by the Company under certain
   circumstances.

             The indemnification provided by the Wisconsin Business
   Corporation Law and the Company's By-laws is not exclusive of any other
   rights to which a director or officer may be entitled.

             The Company maintains a liability policy for its directors and
   officers as permitted by Wisconsin law which may extend to, among other
   things, liability arising under the Securities Act of 1933, as amended.

   Item 7.   Exemption from Registration Claimed.

             Not Applicable.

   Item 8.   Exhibits.


             The following exhibits have been filed (except where otherwise
   indicated) as part of this Registration Statement:

    Exhibit
      No.                  Exhibit

    (4.1)        Provisions of the Articles of Incorporation of
                 Ridgestone Financial Services, Inc. defining the rights
                 of holders of capital stock (incorporated by reference
                 to Exhibit 3.1 to Ridgestone Financial Services, Inc.'s
                 Registration Statement on Form SB-2 (Registration No.
                 33-97644))

    (4.2)        Provisions of the By-laws of Ridgestone Financial
                 Services, Inc. defining the rights of holders of
                 capital stock (incorporated by reference to Exhibit 3.2
                 to Ridgestone Financial Services, Inc.'s Registration
                 Statement on Form SB-2 (Registration No. 33-97644))

    (4.3)        Ridgestone Financial Services, Inc. 1996 Stock Option
                 Plan

    (4.4)        Form of Stock Option Agreement used in conjunction with
                 the Ridgestone Financial Services, Inc. 1996 Stock
                 Option Plan 

    (5)          Opinion of Foley & Lardner

    (23.1)       Consent of Conley McDonald LLP

    (23.2)       Consent of Foley & Lardner (contained in Exhibit 5
                 hereto)

    (24)         Power of Attorney relating to subsequent amendments
                 (included on the signature page to this Registration
                 Statement)


   Item 9.   Undertakings.

             (a)  The undersigned Registrant hereby undertakes to:

             (1)  File, during any period in which it offers or sells
   securities, a post-effective amendment to this Registration Statement to
   include any additional or changed material information on the plan of
   distribution.

             (2)  For determining liability under the Securities Act of 1933,
   as amended (the "Act"), treat each post-effective amendment as a new
   registration statement of the securities offered, and the offering of the
   securities at that time to be the initial bona fide offering.

             (3)  File a post-effective amendment to remove from registration
   any of the securities that remain unsold at the end of the offering.

             (b)  Insofar as indemnification for liabilities arising under
   the Act may be permitted to directors, officers and controlling persons of
   the Registrant pursuant to the foregoing provisions, or otherwise, the
   Registrant has been advised that in the opinion of the Securities and
   Exchange Commission such indemnification is against public policy as
   expressed in the Act and is, therefore, unenforceable.  In the event that
   a claim for indemnification against such liabilities (other than the
   payment by the Registrant of expenses incurred or paid by a director,
   officer or controlling person of the Registrant in the successful defense
   of any action, suit or proceeding) is asserted by such director, officer
   or controlling person in connection with the securities being registered,
   the Registrant will, unless in the opinion of its counsel the matter has
   been settled by controlling precedent, submit to a court of appropriate
   jurisdiction the question whether such indemnification by it is against
   public policy as expressed in the Act and will be governed by the final
   adjudication of such issue.

   <PAGE>

                                   SIGNATURES

             Pursuant to the requirements of the Securities Act of 1933, the
   Registrant certifies that it has reasonable grounds to believe that it
   meets all of the requirements for filing on Form S-8 and has duly caused
   this Registration Statement to be signed on its behalf by the undersigned,
   thereunto duly authorized, in the City of Brookfield, State of Wisconsin,
   on May 27, 1997.

                                      RIDGESTONE FINANCIAL 
                                      SERVICES, INC.



                                      By:  /s/ Paul E. Menzel                
                                           Paul E. Menzel
                                           President and
                                           Chief Executive Officer


             Pursuant to the requirements of the Securities Act of 1933, this
   Registration Statement has been signed below by the following persons in
   the capacities and on the dates indicated.  Each person whose signature
   appears below constitutes and appoints Paul E. Menzel, William R. Hayes
   and Christine V. Lake, and each of them, his or her true and lawful
   attorney-in-fact and agent, with full power of substitution and
   resubstitution, for him or her and in his or her name, place and stead, in
   any and all capacities, to sign any and all amendments (including post-
   effective amendments) to this Registration Statement and to file the same,
   with all exhibits thereto, and other documents in connection therewith,
   with the Securities and Exchange Commission, granting unto each said
   attorney-in-fact and agent, full power and authority to do and perform
   each and every act and thing requisite and necessary to be done, as fully
   as he or she might or could do in person, hereby ratifying and confirming
   all that each said attorney-in-fact and agent may lawfully do or cause to
   be done by virtue hereof.

         Signature                     Title               Date


    /s/ Paul E. Menzel          President, Chief       May 27, 1997
    Paul E. Menzel              Executive Officer
                                and Director
                                (Principal
                                Executive Officer)

    /s/ William R. Hayes        Vice President,        May 27, 1997
    William R. Hayes            Treasurer and
                                Director (Principal
                                Financial and
                                Accounting Officer)


    /s/ Christine V. Lake       Vice President,        May 27, 1997
    Christine V. Lake           Secretary and
                                Director


    /s/ Charles N. Ackley             Director         May 27, 1997
    Charles N. Ackley


    /s/ Gregory J. Hoesly             Director         May 27, 1997
    Gregory J. Hoesly

    /s/ John E. Horning               Director         May 27, 1997
    John E. Horning


    /s/ William F. Krause, Jr.        Director         May 27, 1997
    William F. Krause, Jr.

    /s/ Charles G. Niebler            Director         May 27, 1997
    Charles G. Niebler                                       


    /s/ Frederick I. Olson            Director         May 27, 1997
    Frederick I. Olson                                       


    /s/ James E. Renner               Director         May 27, 1997
    James E. Renner


    /s/ Richard A. Streff             Director         May 27, 1997
    Richard A. Streff


    /s/ William J. Tetzlaff           Director         May 27, 1997
    William J. Tetzlaff


   <PAGE>

                                  EXHIBIT INDEX

           RIDGESTONE FINANCIAL SERVICES, INC. 1996 STOCK OPTION PLAN

                      


                                        
     Exhibit No.                            Exhibit


        (4.1)      Provisions of the Articles of Incorporation of
                   Ridgestone Financial Services, Inc. defining
                   the rights of holders of capital stock
                   (incorporated by reference to Exhibit 3.1 to
                   Ridgestone Financial Services, Inc.'s
                   Registration Statement on Form SB-2
                   (Registration No. 33-97644))

        (4.2)      Provisions of the By-laws of Ridgestone
                   Financial Services, Inc. defining the rights of
                   holders of capital stock (incorporated by
                   reference to Exhibit 3.2 to Ridgestone
                   Financial Services, Inc.'s Registration
                   Statement on Form SB-2 (Registration No. 33-
                   97644))

        (4.3)      Ridgestone Financial Services, Inc. 1996 Stock
                   Option Plan

        (4.4)      Form of Stock Option Agreement used in
                   conjunction with the Ridgestone Financial
                   Services, Inc. 1996 Stock Option Plan

         (5)       Opinion of Foley & Lardner

        (23.1)     Consent of Conley McDonald LLP

        (23.2)     Consent of Foley & Lardner (contained in
                   Exhibit 5 hereto)
         (24)      Power of Attorney relating to subsequent
                   amendments (included on the signature page to
                   this Registration Statement)
[{"type": "S-8", "sequence": "1", "description": "RIDGESTONE FINANCIAL SERVICES, INC. FORM S-8", "secsgml_size_bytes": 16105}]
{"company-data": {"conformed-name": "RIDGESTONE FINANCIAL SERVICES INC", "cik": "0001001791", "assigned-sic": "6022", "irs-number": "391797151", "state-of-incorporation": "WI", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-28299", "film-number": "97618197"}, "business-address": {"street1": "13925 W NORTH AVE", "city": "BROOKFIELD", "state": "WI", "zip": "53005", "phone": "4147821392"}, "mail-address": {"street1": "13925 W NORTH AVE", "city": "BROOKFIELD", "state": "WI", "zip": "53005"}}
Registration No. 333-
                                                                             

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.  20549
                           ___________________________

                                    FORM S-8
                             REGISTRATION STATEMENT
                                      Under
                           THE SECURITIES ACT OF 1933
                               __________________

                       Ridgestone Financial Services, Inc.
             (Exact name of registrant as specified in its charter)

             Wisconsin                                       39-1797151      
    (State or other jurisdiction                          (I.R.S. Employer   
   of incorporation or organization)                     Identification No.) 

                        
              13925 West North Avenue
               Brookfield, Wisconsin                              53005
     (Address of principal executive offices)                   (Zip Code)

           Ridgestone Financial Services, Inc. 1996 Stock Option Plan
                            (Full title of the plan)

 
                                                         Copy to:
             Paul E. Menzel
  President and Chief Executive Officer                Jay O. Rothman
   Ridgestone Financial Services, Inc.                 Foley & Lardner
         13925 West North Avenue                  777 East Wisconsin Avenue
       Brookfield, Wisconsin 53005               Milwaukee, Wisconsin 53202
             (414) 789-1011                            (414) 271-2400
            
(Name, address and telephone number, including area
       code, of agent for service)

                           __________________________

                         CALCULATION OF REGISTRATION FEE

                                   Proposed       Proposed
                                   Maximum        Maximum
       Title of        Amount      Offering      Aggregate       Amount of
     Securities to     to be        Price        Offering       Registration
     be Registered   Registered   Per Share        Price            Fee
    Common Stock,     100,000     $14.75 (1)   $1,475,000 (1)     $446.97 
     no par value      shares

   (1)   Estimated pursuant to Rule 457(c) under the Securities Act of 1933
         solely for the purpose of calculating the registration fee based on
         market data for Ridgestone Financial Services, Inc. Common Stock as
         reflected on the over-the-counter market on May 30, 1997.
PART I

              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

             The document or documents containing the information specified
   in Part I are not required to be filed with the Securities and Exchange
   Commission (the "Commission") as part of this Form S-8 Registration
   Statement. 

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

   Item 3.   Incorporation of Documents by Reference.

             The following documents filed with the Commission by Ridgestone
   Financial Services, Inc. (the "Company") under File No. 0-27984 are hereby
   incorporated herein by reference:

             1.   The Company's Annual Report on Form 10-KSB for the fiscal
   year ended December 31, 1996, which includes certified financial
   statements as of and for the fiscal year ended December 31, 1996.

             2.   The Company's Quarterly Report on Form 10-QSB for the
   quarter ended March 31, 1997.

             3.   The description of the Company's Common Stock contained in
   Item 1 of the Company's Registration Statement on Form 8-A, dated March
   13, 1996, and any amendment or report filed for the purpose of updating
   such description.

             All documents subsequently filed by the Company pursuant to
   Sections 13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of
   1934, as amended, after the date of filing of this Registration Statement
   and prior to such time as the Company files a post-effective amendment to
   this Registration Statement which indicates that all securities offered
   hereby have been sold or which deregisters all securities then remaining
   unsold shall be deemed to be incorporated by reference in this
   Registration Statement and to be a part hereof from the date of filing of
   such documents.

   Item 4.   Description of Securities.

             Not applicable.

   Item 5.   Interests of Named Experts and Counsel.

             Not applicable.

   Item 6.   Indemnification of Directors and Officers.

             Pursuant to the Wisconsin Business Corporation Law and the
   Company's By-laws, directors and officers of the Company are entitled to
   mandatory indemnification from the Company against certain liabilities and
   expenses (i) to the extent such officers or directors are successful in
   the defense of a proceeding and (ii) in proceedings in which the director
   or officer is not successful in defense thereof, unless it is determined
   that the director or officer breached or failed to perform his or her
   duties to the Company and such breach or failure constituted:  (a) a
   willful failure to deal fairly with the Company or its shareholders in
   connection with a matter in which the director or officer had a material
   conflict of interest; (b) a violation of the criminal law unless the
   director or officer had reasonable cause to believe his or her conduct was
   lawful or had no reasonable cause to believe his or her conduct was
   unlawful; (c) a transaction from which the director or officer derived an
   improper personal profit; or (d) willful misconduct.  It should be noted
   that the Wisconsin Business Corporation Law specifically states that it is
   the public policy of Wisconsin to require or permit indemnification in
   connection with a proceeding involving securities regulation, as described
   therein, to the extent required or permitted as described above. 
   Additionally, under the Wisconsin Business Corporation Law, directors of
   the Company are not subject to personal liability to the Company, its
   shareholders or any person asserting rights on behalf thereof for certain
   breaches or failures to perform any duty resulting solely from their
   status as directors except in circumstances paralleling those in
   subparagraphs (a) through (d) outlined above.

             Expenses for the defense of any action for which indemnification
   may be available may be advanced by the Company under certain
   circumstances.

             The indemnification provided by the Wisconsin Business
   Corporation Law and the Company's By-laws is not exclusive of any other
   rights to which a director or officer may be entitled.

             The Company maintains a liability policy for its directors and
   officers as permitted by Wisconsin law which may extend to, among other
   things, liability arising under the Securities Act of 1933, as amended.

   Item 7.   Exemption from Registration Claimed.

             Not Applicable.

   Item 8.   Exhibits.

             The following exhibits have been filed (except where otherwise
   indicated) as part of this Registration Statement:

    Exhibit
      No.                  Exhibit

    (4.1)        Provisions of the Articles of Incorporation of
                 Ridgestone Financial Services, Inc. defining the rights
                 of holders of capital stock (incorporated by reference
                 to Exhibit 3.1 to Ridgestone Financial Services, Inc.'s
                 Registration Statement on Form SB-2 (Registration No.
                 33-97644))

    (4.2)        Provisions of the By-laws of Ridgestone Financial
                 Services, Inc. defining the rights of holders of
                 capital stock (incorporated by reference to Exhibit 3.2
                 to Ridgestone Financial Services, Inc.'s Registration
                 Statement on Form SB-2 (Registration No. 33-97644))

    (4.3)        Ridgestone Financial Services, Inc. 1996 Stock Option
                 Plan

    (4.4)        Form of Stock Option Agreement used in conjunction with
                 the Ridgestone Financial Services, Inc. 1996 Stock
                 Option Plan 

    (5)          Opinion of Foley & Lardner

    (23.1)       Consent of Conley McDonald LLP

    (23.2)       Consent of Foley & Lardner (contained in Exhibit 5
                 hereto)

    (24)         Power of Attorney relating to subsequent amendments
                 (included on the signature page to this Registration
                 Statement)

   Item 9.   Undertakings.

             (a)  The undersigned Registrant hereby undertakes to:

             (1)  File, during any period in which it offers or sells
   securities, a post-effective amendment to this Registration Statement to
   include any additional or changed material information on the plan of
   distribution.

             (2)  For determining liability under the Securities Act of 1933,
   as amended (the "Act"), treat each post-effective amendment as a new
   registration statement of the securities offered, and the offering of the
   securities at that time to be the initial bona fide offering.

             (3)  File a post-effective amendment to remove from registration
   any of the securities that remain unsold at the end of the offering.

             (b)  Insofar as indemnification for liabilities arising under
   the Act may be permitted to directors, officers and controlling persons of
   the Registrant pursuant to the foregoing provisions, or otherwise, the
   Registrant has been advised that in the opinion of the Securities and
   Exchange Commission such indemnification is against public policy as
   expressed in the Act and is, therefore, unenforceable.  In the event that
   a claim for indemnification against such liabilities (other than the
   payment by the Registrant of expenses incurred or paid by a director,
   officer or controlling person of the Registrant in the successful defense
   of any action, suit or proceeding) is asserted by such director, officer
   or controlling person in connection with the securities being registered,
   the Registrant will, unless in the opinion of its counsel the matter has
   been settled by controlling precedent, submit to a court of appropriate
   jurisdiction the question whether such indemnification by it is against
   public policy as expressed in the Act and will be governed by the final
   adjudication of such issue.
SIGNATURES

             Pursuant to the requirements of the Securities Act of 1933, the
   Registrant certifies that it has reasonable grounds to believe that it
   meets all of the requirements for filing on Form S-8 and has duly caused
   this Registration Statement to be signed on its behalf by the undersigned,
   thereunto duly authorized, in the City of Brookfield, State of Wisconsin,
   on May 27, 1997.

                                      RIDGESTONE FINANCIAL 
                                      SERVICES, INC.

                                      By:  /s/ Paul E. Menzel                
                                           Paul E. Menzel
                                           President and
                                           Chief Executive Officer

             Pursuant to the requirements of the Securities Act of 1933, this
   Registration Statement has been signed below by the following persons in
   the capacities and on the dates indicated.  Each person whose signature
   appears below constitutes and appoints Paul E. Menzel, William R. Hayes
   and Christine V. Lake, and each of them, his or her true and lawful
   attorney-in-fact and agent, with full power of substitution and
   resubstitution, for him or her and in his or her name, place and stead, in
   any and all capacities, to sign any and all amendments (including post-
   effective amendments) to this Registration Statement and to file the same,
   with all exhibits thereto, and other documents in connection therewith,
   with the Securities and Exchange Commission, granting unto each said
   attorney-in-fact and agent, full power and authority to do and perform
   each and every act and thing requisite and necessary to be done, as fully
   as he or she might or could do in person, hereby ratifying and confirming
   all that each said attorney-in-fact and agent may lawfully do or cause to
   be done by virtue hereof.

         Signature                     Title               Date

    /s/ Paul E. Menzel          President, Chief       May 27, 1997
    Paul E. Menzel              Executive Officer
                                and Director
                                (Principal
                                Executive Officer)

    /s/ William R. Hayes        Vice President,        May 27, 1997
    William R. Hayes            Treasurer and
                                Director (Principal
                                Financial and
                                Accounting Officer)

    /s/ Christine V. Lake       Vice President,        May 27, 1997
    Christine V. Lake           Secretary and
                                Director

    /s/ Charles N. Ackley             Director         May 27, 1997
    Charles N. Ackley

    /s/ Gregory J. Hoesly             Director         May 27, 1997
    Gregory J. Hoesly

    /s/ John E. Horning               Director         May 27, 1997
    John E. Horning

    /s/ William F. Krause, Jr.        Director         May 27, 1997
    William F. Krause, Jr.

    /s/ Charles G. Niebler            Director         May 27, 1997
    Charles G. Niebler                                       

    /s/ Frederick I. Olson            Director         May 27, 1997
    Frederick I. Olson                                       

    /s/ James E. Renner               Director         May 27, 1997
    James E. Renner

    /s/ Richard A. Streff             Director         May 27, 1997
    Richard A. Streff

    /s/ William J. Tetzlaff           Director         May 27, 1997
    William J. Tetzlaff
EXHIBIT INDEX

           RIDGESTONE FINANCIAL SERVICES, INC. 1996 STOCK OPTION PLAN

                      

                                        
     Exhibit No.                            Exhibit

        (4.1)      Provisions of the Articles of Incorporation of
                   Ridgestone Financial Services, Inc. defining
                   the rights of holders of capital stock
                   (incorporated by reference to Exhibit 3.1 to
                   Ridgestone Financial Services, Inc.'s
                   Registration Statement on Form SB-2
                   (Registration No. 33-97644))

        (4.2)      Provisions of the By-laws of Ridgestone
                   Financial Services, Inc. defining the rights of
                   holders of capital stock (incorporated by
                   reference to Exhibit 3.2 to Ridgestone
                   Financial Services, Inc.'s Registration
                   Statement on Form SB-2 (Registration No. 33-
                   97644))

        (4.3)      Ridgestone Financial Services, Inc. 1996 Stock
                   Option Plan

        (4.4)      Form of Stock Option Agreement used in
                   conjunction with the Ridgestone Financial
                   Services, Inc. 1996 Stock Option Plan

         (5)       Opinion of Foley & Lardner

        (23.1)     Consent of Conley McDonald LLP

        (23.2)     Consent of Foley & Lardner (contained in
                   Exhibit 5 hereto)
         (24)      Power of Attorney relating to subsequent
                   amendments (included on the signature page to
                   this Registration Statement)