RIDGESTONE FINANCIAL SERVICES INC
SC 13G/A, 2000-02-11
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934
                               (Amendment No. 1)*


                       Ridgestone Financial Services, Inc.
- --------------------------------------------------------------------------------
                                (Name of Issuer)

                           Common Stock, no par value
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   765904 10 7
                     --------------------------------------
                                 (CUSIP Number)

                                  July 16, 1999
- --------------------------------------------------------------------------------
             (Date of Event Which Requires Filing of this Statement)

Check the  appropriate box to designate the rule pursuant to which this Schedule
is filed:

                                [ ] Rule 13d-1(b)

                                [X] Rule 13d-1(c)

                                [ ] Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).



                        (Continued on following page(s))
                               Page 1 of 5 Pages


<PAGE>



====== =========================================================================
   1   NAME OF REPORTING PERSONS
       I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)

       Paul E. Menzel
====== =========================================================================
   2   CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS)
                                                                      (a)  [ ]
                                                                      (b)  [ ]
====== =========================================================================
   3   SEC USE ONLY


====== =========================================================================
   4   CITIZENSHIP OR PLACE OF ORGANIZATION

       United States
======================= ====== =================================================
      NUMBER OF            5   SOLE VOTING POWER

        SHARES                 77,574
                        ====== =================================================
     BENEFICIALLY          6   SHARED VOTING POWER

       OWNED BY                3,384
                        ====== =================================================
         EACH              7   SOLE DISPOSITIVE POWER

      REPORTING                77,574
                        ====== =================================================
        PERSON             8   SHARED DISPOSITIVE POWER

         WITH                  3,384
======================= ====== =================================================
   9   AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

       80,958
====== =========================================================================
  10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9)
       EXCLUDES CERTAIN SHARES (SEE INSTRUCTIONS)                          [ ]


====== =========================================================================
  11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

       8.7%
====== =========================================================================
  12   TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)

       IN
====== =========================================================================



                               Page 2 of 5 Pages


<PAGE>


Item 1(a).               Name of Issuer:

                         Ridgestone Financial Services, Inc.

Item 1(b).               Address of Issuer's Principal Executive Offices:

                         13925 West North Avenue
                         Brookfield, Wisconsin 53005

Item 2(a).               Name of Person Filing:

                         Paul E. Menzel

Item 2(b).               Address of Principal Business Office or,
                         if none, Residence:

                         13925 West North Avenue
                         Brookfield, Wisconsin 53005

Item 2(c).               Citizenship:

                         United States

Item 2(d).               Title of Class of Securities:

                         Common Stock, no par value

Item 2(e).               CUSIP Number:

                         765904 10 7

Item 3.                  If  this  statement  is  filed  pursuant  to  Rules
                         13d-1(b),  or 13d-2(b) or (c), check whether the person
                         filing is a:

                         Not Applicable

Item 4.                  Ownership.

                         (a)   Amount Beneficially Owned:  80,958 shares.

                         (b)   Percent of Class:  8.7%



                               Page 3 of 5 Pages


<PAGE>

                         (c)   Number of shares as to which such person has:

                               (i)    sole power to vote or to direct the vote

                                      77,574 shares

                               (ii)   shared power to vote or to direct the vote

                                      3,384 shares

                               (iii)  sole  power to  dispose or to direct the
                                      disposition of

                                      77,574 shares

                               (iv)   shared  power to dispose or to direct the
                                      disposition of

                                      3,384 shares

Item 5.                  Ownership of Five Percent or Less of a Class.

                         Not Applicable

Item 6.                  Ownership of More than Five Percent on Behalf of
                         Another Person.

                         Mr. Menzel's spouse has the right receive and the power
                         to direct the receipt of dividends  from, and the right
                         to  receive  proceeds  from the  sale of,  3,384 of the
                         shares referred to above.

Item 7.                  Identification and Classification of the Subsidiary
                         Which Acquired the Security Being Reported on By the
                         Parent Holding Company.

                         Not Applicable

Item 8.                  Identification and Classification of Members of the
                         Group.

                         Not Applicable

Item 9.                  Notice of Dissolution of Group.

                         Not Applicable



                               Page 4 of 5 Pages



<PAGE>



Item 10.                 Certification.

                         By  signing  below I  certify  that,  to the best of my
                         knowledge and belief, the securities  referred to above
                         were not  acquired  and are not held for the purpose of
                         or with the  effect  of  changing  or  influencing  the
                         control  of the issuer of the  securities  and were not
                         acquired  and are not held in  connection  with or as a
                         participant in any  transaction  having that purpose or
                         effect.


                                    SIGNATURE

               After  reasonable  inquiry  and to the best of my  knowledge  and
belief,  I certify  that the  information  set forth in this  statement is true,
complete and correct.



February 9, 2000
- ----------------------------------
Date



/s/ PAUL E. MENZEL
- ----------------------------------
Signature



Paul E. Menzel
- ----------------------------------
Name



                               Page 5 of 5 Pages



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