SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C.  20549

                                 FORM 10-KSB

             [X]  ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934

        [  ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934

                For the fiscal year ended: December 31, 2000

                      Commission file number 000-30067

                           INTERBANK CAPITAL CORP
           (Exact name of registrant as specified in its charter)

Nevada                                            88-0453326
------------------------------                ---------------
(State or other jurisdiction of                (I.R.S. Employer
incorporation or organization)                 Identification No.)

1850 E. Flamingo Rd., #111
Las Vegas, NV                                     89119
-------------------------------              -------------------
(Address of principal executive offices)          (zip code)

                Issuer's Telephone Number:    (702) 866-5839

       Securities registered under Section 12(b) of the Exchange Act:
                                    None

       Securities registered under Section 12(g) of the Exchange Act:
                        Common Stock, $.001 par value
                              (Title if Class)

     Indicate by check mark whether the registrant (a) has filed all  reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934  during  the  preceding 12 months (or for such shorter period  that  the
registrant  was required to file such reports), and (2) has been  subject  to
such filing requirements for the past 90 days.  Yes    X       No

     Indicate  by  check mark if disclosure of delinquent filers pursuant  to
Item  405  of  Regulation  S-K  is not contained  herein,  and  will  not  be
contained,  to  the  best of registrant's knowledge, in definitive  proxy  or
information  statements incorporated by reference in Part III  of  this  Form
10-K or any amendment to this Form 10-K.  [     ]

     The  number of shares of Common Stock, $0.001 par value, outstanding  on
December 31, 2000, was 5,000,000 shares, held by approximately 1 stockholder.

<PAGE>

PART I

ITEM 1.   DESCRIPTION OF BUSINESS

     Interbank Capital Corp. was incorporated in the State of Nevada on March
3,  2000, to engage in any lawful corporate undertaking, including,  but  not
limited  to,  selected  mergers  and  acquisitions.  We  have  been  in   the
development  stage since inception.  Interbank Capital Corp. has not  engaged
in  any  commercial operations. Interbank Capital Corp. does not have  active
business  operations,  and  at this time we are considered  a  "Blank  Check"
company.

     We  registered  our common stock on a Form 10-SB registration  statement
filed  pursuant  to the Securities Exchange Act of 1934 (the "Exchange  Act")
and  Rule  12(g) thereof.  We intend to file with the Securities and Exchange
Commission  periodic and episodic reports under Rule 13(a)  of  the  Exchange
Act, including quarterly reports on Form 10-QSB and annual reports on Form 10-
KSB.

     We  will attempt to locate and negotiate with a business entity for  the
merger  of  that target business into the Company.  In certain  instances,  a
target business may wish to become a subsidiary of the Company or may wish to
contribute  assets  to the Company rather than merge.  No assurances  can  be
given  that we will be successful in locating or negotiating with any  target
business.

     Management  believes  that  there are  perceived  benefits  to  being  a
reporting  company  with a class of publicly-traded  securities.   These  are
commonly  thought to include (1) the ability to use registered securities  to
make  acquisition  of assets or businesses; (2) increased visibility  in  the
financial  community;  (3)  the  facilitation  of  borrowing  from  financial
institutions;   (4)  improved trading efficiency; (5) stockholder  liquidity;
(6)  greater  ease in subsequently raising capital; (7) compensation  of  key
employees  through stock options; (8) enhanced corporate  image;  and  (9)  a
presence in the United States capital market.

     A  business  entity,  if  any, which may be  interested  in  a  business
combination with us may include (1) a company for which a primary purpose  of
becoming public is the use of its securities for the acquisition of assets or
businesses;  (2)  a  company which is unable to find an  underwriter  of  its
securities  or  is  unable  to find an underwriter  of  securities  on  terms
acceptable  to  it;  (3) a company which wishes to become  public  with  less
dilution  of its common stock than would occur normally upon an underwriting;
(4)  a  company  which  believes that it will be able  to  obtain  investment
capital  on  more favorable terms after it has become public; (5)  a  foreign
company  which  may  wish  to gain an initial entry into  the  United  States
securities market; (6) a special situation company, such as a company seeking
a public market to satisfy redemption requirements under a qualified Employee
Stock  Option  Plan;  or  (7) a company seeking one  or  more  of  the  other
perceived benefits of becoming a public company.

     Management  is  actively  engaged in seeking a qualified  company  as  a
candidate  for  a business combination.  We are authorized to  enter  into  a

<PAGE>

definitive agreement with a wide variety of businesses without limitation  as
to  their  industry or revenues.  It is not possible at this time to  predict
with which company, if any, we will enter into a definitive agreement or what
will  be the industry, operating history, revenues, future prospects or other
characteristics of that company.

     We  may  seek  a business opportunity with entities which have  recently
commenced  operations,  or which wish to utilize the  public  marketplace  in
order  to  raise additional capital in order to expand into new  products  or
markets,  to  develop  a  new  product or service,  or  for  other  corporate
purposes.   We may acquire assets and establish wholly-owned subsidiaries  in
various businesses or acquire existing businesses as subsidiaries.

     Our  management,  which  in all likelihood will not  be  experienced  in
matters relating to the business of a target business, will rely upon its own
efforts  in  accomplishing  our business purposes.   Outside  consultants  or
advisors  may be utilized by us to assist in the search for qualified  target
companies.  If we do retain such an outside consultant or advisor,  any  cash
fee earned by such person will need to be assumed by the target business,  as
we have limited cash assets with which to pay such obligation.

     The  analysis  of new business opportunities will be undertaken  by,  or
under  the supervision of our officer and director, who is not a professional
business   analyst.    In   analyzing  prospective  business   opportunities,
management may consider such matters as:
*    the available technical, financial and managerial resources;
*    working capital and other financial requirements; history of operations,
     if any;
*    prospects for the future;
*    nature of present and expected competition;
*    the quality and experience of management services which may be available
     and the depth of that management;
*    the potential for further research, development, or exploration;
*    specific risk factors not now foreseeable but which then may be
     anticipated to impact our proposed activities;
*    the potential for growth or expansion;
*    the potential for profit;
*    the perceived public recognition or acceptance of products, services, or
      trades; name identification and;
*    other relevant factors.

     Management  does  not  have  the capacity to  conduct  as  extensive  an
investigation  of  a  target business as might be  undertaken  by  a  venture
capital  fund or similar institution.  As a result, management may  elect  to
merge  with a target business which has one or more undiscovered shortcomings
and may, if given the choice to select among target businesses, fail to enter
into an agreement with the most investment-worthy target business.

     Following  a  business combination we may benefit from the  services  of
others  in  regard to accounting, legal services, underwritings and corporate
public  relations.   If  requested  by  a  target  business,  management  may

<PAGE>

recommend  one or more underwriters, financial advisors, accountants,  public
relations firms or other consultants to provide such services.

     A  potential target business may have an agreement with a consultant  or
advisor  providing  that services of the consultant or advisor  be  continued
after  any  business  combination.  Additionally, a target  business  may  be
presented  to  us only on the condition that the services of a consultant  or
advisor  be  continued  after  a  merger or  acquisition.   Such  preexisting
agreements  of  target businesses for the continuation  of  the  services  of
attorneys,  accountants, advisors or consultants could be  a  factor  in  the
selection of a target business.

     In  implementing  a structure for a particular business acquisition,  we
may become a party to a merger, consolidation, reorganization, joint venture,
or  licensing  agreement with another corporation or  entity.   We  may  also
acquire  stock or assets of an existing business.  On the consummation  of  a
transaction, it is likely that our present management and stockholder will no
longer be in our control.  In addition, it is likely that the our officer and
director  will,  as part of the terms of the acquisition transaction,  resign
and be replaced by one or more new officers and directors.

     It  is anticipated that any securities issued in any such reorganization
would be issued in reliance upon exemption from registration under applicable
federal  and  state  securities laws.  In some circumstances  however,  as  a
negotiated element of its transaction, we may agree to register all or a part
of  such  securities immediately after the transaction is consummated  or  at
specified times thereafter.  If such registration occurs, of which there  can
be  no assurance, it will be undertaken by the surviving entity after we have
entered  into  an agreement for a business combination or have consummated  a
business  combination and we are no longer considered a blank check  company.
The  issuance  of  additional securities and their potential  sale  into  any
trading  market  which may develop in our securities may depress  the  market
value  of  our securities in the future if such a market develops,  of  which
there is no assurance.

     While  the  terms of a business transaction to which we may be  a  party
cannot  be  predicted,  it  is  expected that the  parties  to  the  business
transaction will desire to avoid the creation of a taxable event and  thereby
structure the acquisition in a tax-free reorganization under Sections 351  or
368 of the Internal Revenue Code of 1986, as amended.

     With  respect  to any merger or acquisition negotiations with  a  target
business, management expects to focus on the percentage of the Company  which
target business stockholder would acquire in exchange for their shareholdings
in  the  target  business.  Depending upon, among other  things,  the  target
business's  assets  and liabilities, our stockholder will in  all  likelihood
hold  a  substantially lesser percentage ownership interest  in  the  Company
following  any merger or acquisition.  Any merger or acquisition effected  by
us can be expected to have a significant dilutive effect on the percentage of
shares held by our stockholder at such time.

<PAGE>


     No assurances can be given that we will be able to enter into a business
combination, as to the terms of a business combination, or as to  the  nature
of the target business.

     As  of  the  date  hereof, management has not made  any  final  decision
concerning or entered into any written agreements for a business combination.
When  any  such agreement is reached or other material fact occurs,  we  will
file  notice  of  such  agreement or fact with the  Securities  and  Exchange
Commission  on  Form 8-K.  Persons reading this Form 10-KSB  are  advised  to
determine if we have subsequently filed a Form 8-K.

     We  anticipate that the selection of a business opportunity in which  to
participate  will  be  complex and without certainty of  success.  Management
believes  (but  has  not conducted any research to confirm)  that  there  are
numerous  firms  seeking  the perceived benefits  of  a  publicly  registered
corporation.   Such perceived benefits may include facilitating or  improving
the  terms  on  which  additional equity financing may be  sought,  providing
liquidity  for incentive stock options or similar benefits to key  employees,
increasing the opportunity to use securities for acquisitions, and  providing
liquidity for stockholder and other factors.  Business opportunities  may  be
available  in many different industries and at various stages of development,
all of which will make the task of comparative investigation and analysis  of
such business opportunities extremely difficult and complex.

ITEM 2.   DESCRIPTION OF PROPERTY

     We have no properties and at this time have no agreements to acquire any
properties.   We currently use the offices of management at no  cost  to  us.
Management  has  agreed to continue this arrangement  until  we  complete  an
acquisition or merger.

ITEM 3.   LEGAL PROCEEDINGS

     There is no litigation pending or threatened by or against us

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

     No  matter  was  submitted to a vote of security  holders,  through  the
solicitation of proxies or otherwise, during the fourth quarter of the fiscal
year covered by this report.

PART II

ITEM 5.   MARKET FOR COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

     There is currently no public market for our securities. We do not intend
to  trade  our  securities  in the secondary market  until  completion  of  a
business  combination or acquisition.  It is anticipated that following  such
occurrence  we  will  cause  our common stock to be  listed  or  admitted  to
quotation  on  the NASD OTC Bulletin Board or, if we then meet the  financial
and  other  requirements  thereof, on the Nasdaq  SmallCap  Market,  National
Market System or regional or national exchange.

<PAGE>

     The  proposed  business activities described herein  classify  us  as  a
"blank  check"  company.   The Securities and Exchange  Commission  and  many
states  have  enacted statutes, rules and regulations limiting  the  sale  of
securities  of  blank  check  companies in  their  respective  jurisdictions.
Management  does  not intend to undertake any efforts to cause  a  market  to
develop in our securities until such time as we have successfully implemented
our  business plan described herein.  Accordingly, our stockholder has agreed
that  he  will not sell or otherwise transfer his shares of our common  stock
except  in connection with or following completion of a merger or acquisition
and we have no longer classified as a blank check company.

     There is currently one stockholder of our outstanding common stock.

     During  the past three years, we have issued securities which  were  not
registered as follows:

                                              NUMBER OF
DATE                         NAME              SHARES       CONSIDERATION
-------------- ---------------------------- ------------ -----------------
March 3, 2000          Anthony N. DeMint      5,000,000        $5,000


(1)   Mr. DeMint is our sole director, controlling stockholder and president.
Shares issued to Mr. DeMint were in return for services provided to us by Mr.
DeMint,  in lieu of cash. With respect to the stock issued to Mr. DeMint,  we
relied  upon Section 4(2) of the Securities Act of 1933, as amended and  Rule
506 promulgated thereunder.

ITEM 6.   MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

     We  were  formed  to  engage  in a merger  with  or  acquisition  of  an
unidentified foreign or domestic company which desires to become a  reporting
("public")  company whose securities are qualified for trading in the  United
States  secondary market.  We meet the definition of a "blank check"  company
contained in Section (7)(b)(3) of the Securities Act of 1933, as amended.  We
have  been  in the developmental stage since inception and have no operations
to  date.  Other than issuing shares to our original stockholder, we have not
commenced any operational activities.

     We  will  not  acquire  or merge with any entity  which  cannot  provide
audited  financial statements at or within a reasonable period of time  after
closing  of  the proposed transaction.  We are subject to all  the  reporting
requirements included in the Exchange Act.  Included in these requirements is
our  duty to file audited financial statements as part of our Form 8-K to  be
filed  with  the  Securities and Exchange Commission upon consummation  of  a
merger  or acquisition, as well as our audited financial statements  included
in  our  annual  report  on Form 10-K (or 10-KSB, as  applicable).   If  such
audited  financial statements are not available at closing,  or  within  time
parameters  necessary to insure our compliance with the requirements  of  the
Exchange Act, or if the audited financial statements provided do not  conform
to the representations made by the target business, the closing documents may
provide  that the proposed transaction will be voidable at the discretion  of
our present management.

<PAGE>

     We will not restrict our search for any specific kind of businesses, but
may  acquire  a  business which is in its preliminary or  development  stage,
which  is  already in operation, or in essentially any stage of its  business
life. It is impossible to predict at this time the status of any business  in
which  we  may  become  engaged,  in that such  business  may  need  to  seek
additional  capital, may desire to have its shares publicly  traded,  or  may
seek other perceived advantages which we may offer.

     A  business combination with a target business will normally involve the
transfer to the target business of the majority of our common stock, and  the
substitution  by  the  target business of its own  management  and  board  of
directors.

     We have, and will continue to have, no capital with which to provide the
owners  of  business  opportunities with any cash or other  assets.  However,
management believes we will be able to offer owners of acquisition candidates
the  opportunity to acquire a controlling ownership interest  in  a  publicly
registered company without incurring the cost and time required to conduct an
initial  public offering.  Our officer and director has not conducted  market
research  and  is  not  aware of statistical data to  support  the  perceived
benefits  of a merger or acquisition transaction for the owners of a business
opportunity.

     Our  audit  reflects the fact that we have no current source of  income.
Further, that without realization of additional capital, it would be unlikely
for the Company to continue as a going concern.

     Our  stockholder has agreed that they will advance any additional  funds
which  we  need  for  operating  capital and for  costs  in  connection  with
searching for or completing an acquisition or merger. Such advances  will  be
made without expectation of repayment unless the owners of the business which
we  acquire  or merge with agree to repay all or a portion of such  advances.
There  is no minimum or maximum amount such stockholder will advance  to  us.
We  will  not borrow any funds for the purpose of repaying advances  made  by
such  stockholder, and we will not borrow any funds to make any  payments  to
our promoters, management or their affiliates or associates.

     The  Board of Directors has passed a resolution which contains a  policy
that  we will not seek an acquisition or merger with any entity in which  our
officer,  director,  stockholder or his affiliates  or  associates  serve  as
officer or director or hold more than a 10% ownership interest.

ITEM 7.   FINANCIAL STATEMENTS

     See Index to Financial Statements and Financial Statement Schedules
appearing on page F-1 through F-7 of this Form 10-KSB.

ITEM  8.    CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON  ACCOUNTING  AND
FINANCIAL DISCLOSURE

     There were no changes in or disagreements with accountants on accounting
and financial disclosure for the period covered by this report.

<PAGE>


PART III

ITEM  9     DIRECTORS,  EXECUTIVE OFFICERS, PROMOTERS  AND  CONTROL  PERSONS;
COMPLIANCE WITH SECTION 16(A) OF THE EXCHANGE ACT

     Our Director and Officer is as follows:

       Name                  Age    Positions and Offices Held
      -------------------- ------ --------------------------------
       Anthony N. DeMint     27     President, Secretary, Director

     There are no agreements or understandings for the officer or director to
resign  at  the  request  of another person and the above-named  officer  and
director  is  not  acting on behalf of nor will act at the direction  of  any
other person.

     Set  forth  below is the name of our director and officer, all positions
and  offices with us held, the period during which he has served as such, and
the business experience during at least the last five years:

     Anthony  N. DeMint acts as President, Secretary, Treasurer and  Director
for  the  Company. Mr. DeMint has served as an officer and  Director  of  the
Company since inception. Mr. DeMint is also sole officer and Director of  Tac
Asset  Corp., Rub Investments Limited, Your Domain.Com, Nothing Corp.,  Calif
Acquisitions,  Inc.,  Take A Ride, Inc., Fun For You, Inc.,  Euro  Technology
Outfitters,   Vanity   Enterprises,  Inc.,  YFC   355,   Corp.,   Tell-A-Tale
Incorporated, Saveyoutime.com, Inc., Accessory Specialists, Inc. and Too Late
Financial Corp which are also blank check companies.  Since 1994, Mr.  DeMint
has  been a business consultant and has served on the board of directors  and
as  an officer for several private and public companies. Mr. DeMint currently
serves  as  President  and  as  a Director of  Securities  Law  Institute,  a
securities consulting firm. From 1997-1998, Mr. DeMint was Vice President  of
operations  and a Director for Worldwide Golf Resources, Inc. From 1995-1997,
Mr.  DeMint  was  Chief Operating Officer, Treasurer  and  a  Director  of  a
publicly held import and wholesale company, Cutty-Fleet Trading Co., where he
managed  day-to-day  operations. Mr. DeMint attended Business  and  Economics
school at the University of Nevada Las Vegas.  Mr. DeMint is an affiliate  of
Sperry Young & Stoecklein.

CURRENT BLANK CHECK COMPANIES

     The  SEC  reporting blank check companies that Anthony DeMint serves  or
has served as President and Director are listed in the following table:

<TABLE>
                                                   Date
Incorporation Name          Form Type   File #   of Filing    Status (l)
<S>                         <C>         <C>      <C>          <C>
Intercontinental Capital
Fund, Inc.                  10SB12G    000-27931  04 Nov 99    Merger (2a)

Tele Special.Com            10SB12G    000-28207  19 Nov 99    Merger (2b)

Navitec Group Inc.          10SB12G    000-28225  22 Nov 99    Merger (2c)

Royal Acquisitions, Inc.    10SB12G    000-28713  30 Dec 99    Merger (2d)
</TABLE>
<PAGE>
<TABLE>
<S>                         <C>         <C>       <C>           <C>
LifePlan                    10SB12G    000-29033  08 Jan 00    Merger (2e)

Central America Fuel
Technology, Inc.            10SB12G    000-28697  29 Dec 99    Merger (2f)

Scientific Fuel Technology,
Inc.                        10SB12G    000-28685  28 Dec 99    Merger (2g)

TourPro Golf, Inc.          10SB12G    000-28569  20 Dec 99    Merger (2h)

J.S.J. Capital Corp,        10SB12G    000-29165  26 Jan 00    Merger (2i)

J.S.J. Capital II, Inc.     10SB12G    000-29189  27 Jan 00    Sold (3)

Tac Asset Corp.             10SB12G    000-29355  07 Feb 00    No

Rub Investments Limited     10SB12G    000-29315  03 Feb 00    No

Your Domain.com             10SB12G    000-29317  03 Feb 00    No

Nothing Corp.               10SB12G    000-29399  08 Feb 00    No

Calif Acquisitions, Inc.    10SB12G    000-29345  04 Feb 00    No

Take A Ride, Inc.           10SB12G    000-30113  27 Mar 00    No

Fun For You, Inc            10SB12G    000-30055  22 Mar 00    No

Euro Technology Outfitters  10SB12G    000-30009  20 Mar 00    No

Vanity Enterprises, Inc.    10SB12G    000-30169  31 Mar 00    No

Tell-A-Tale, Incorporated   10SB12G    000-30131  28 Mar 00    No

SAVEYOUTIME.COM, Inc.       10SB12G    000-30085  23 Mar 00    No

Accessory Specialists, Inc. 10SB12G    000-29353  07 Feb 00    No

Too Late Financial
Corporation                 10SB12G    000-30149  29 Mar 00    No

YFC 355, Corp.              10SB12G    000-30201  03 Apr 00    No
</TABLE>
(1)   Under  Merger  Status  "Merger"  represents  either  a  merger  or   an
acquisition has occurred or the company ceased to be a blank check company by
operating  specific business a "No" represents that the company is  currently
seeking  merger or acquisition candidate. More detailed information for  each
merger is disclosed in following paragraphs.

(2)   (2a)   In January 2000 Intercontinental Capital Fund, Inc. merged  with
Desert   Health  Products,  Inc.  ("DHP")  whereby  DHP  was  the   surviving
corporation and Intercontinental Capital Fund ceased to exist. DHP was formed
to  develop dietary supplement products from natural plant extracts.  DHP  is

<PAGE>

focusing  its  development efforts on certain plants and plant extracts  that
are widely used throughout the United States and Europe to treat a variety of
diseases and physical conditions. Pursuant to the Plan of Merger, DHP  issued
400,000  shares of restricted Common Stock to Anthony N. DeMint  in  exchange
for  the  cancellation of Mr. DeMint's 5,000,000 shares  of  Intercontinental
Capital  Fund  Common  Stock. DHP paid $100,000 in cash  to  Sperry  Young  &
Stoecklein,  of which Anthony N. DeMint is an affiliate, for consulting  fees
associated  with  the  merger.  Mr.  DeMint  currently  is  a  non-affiliated
stockholder of DHP. DHP is currently a SEC reporting company under  12(g)  of
the  Securities and Exchange Act of 1934 and is trading on the  OTC:BB  under
the symbol "DHPI".

(2b)  In January 2000 Tele Special.Com merged with International Brands, Inc.
("INBR")  whereby  INBR was the surviving corporation  and  Tele  Special.Com
ceased  to  exist.  INBR  is a holding company for various  Internet  related
companies.  Pursuant  to  the Plan of Merger, INBR issued  25,000  shares  of
restricted Common Stock to Anthony N. DeMint in exchange for the cancellation
of  Mr. DeMint's 5,000,000 shares of Tele Special.Com Common Stock. INBR paid
$150,000 in cash to Sperry Young & Stoecklein, of which Anthony N. DeMint  is
an  affiliate,  for  consulting fees associated with the merger.  Mr.  DeMint
currently  is a non-affiliated stockholder of INBR. INBR is currently  a  SEC
reporting company under 12(g) of the Securities and Exchange Act of 1934.

(2c)   In  February  2000 Navitec Group, Inc. merged with Worldnet  Resources
Group,  Inc. ("WRGI") whereby WRGI was the surviving corporation and  Navitec
Group,  Inc. ceased too exist. WRGI is a holding company for various Internet
related  companies. Pursuant to the Plan of Merger, WRGI issued 2,083  shares
of  restricted  Common  Stock  to  Anthony N.  DeMint  in  exchange  for  the
cancellation of Mr. DeMint's 5,000,000 shares of Navitec Group Common  Stock.
WRGI paid $150,000 in cash to Sperry Young & Stoecklein, of which Anthony  N.
DeMint  is an affiliate, for consulting fees associated with the merger.  Mr.
DeMint currently is a non-affiliated stockholder of WRGI. WRGI is currently a
SEC reporting company under 12(g) of the Securities and Exchange Act of 1934.

(2d)   In March 2000 Royal Acquisitions, Inc. merged with zebramart.Com, Inc.
("ZMRT")  whereby ZMRT was the surviving corporation and Royal  Acquisitions,
Inc. ceased too exist.  Pursuant to the Plan of Merger, ZMRT issued 2,000,000
shares  of restricted Common Stock to Anthony N. DeMint in exchange  for  the
cancellation  of  Mr. DeMint's 5,000,000 shares of Royal  Acquisitions,  Inc.
Common  Stock.  ZMRT paid $200,000 in cash to Sperry Young &  Stoecklein,  of
which Anthony N. DeMint is an affiliate, for consulting fees associated  with
the  merger.  ZMRT is currently a SEC reporting company under  12(g)  of  the
Securities  and Exchange Act of 1934.  On November 15, 2000 ZMRT changed  its
name to Cottage Investments, Inc.

(2e)  In March 2000 LifePlan, merged with HIV-VAC, INC. ("HIVC") whereby HIVC
was the surviving corporation and LifePlan ceased too exist.  Pursuant to the
Plan  of  Merger,  HIVC issued 100,000 shares of restricted Common  Stock  to
Anthony N. DeMint in exchange for the cancellation of Mr. DeMint's 10,000,000
shares  of  LifePlan Common Stock. Mr. DeMint currently is  a  non-affiliated

<PAGE>

stockholder of HIVC. HIVC is currently a SEC reporting company under 12(g) of
the Securities and Exchange Act of 1934.

(2f)   In  March  2000  Central  America Fuel Technology,  Inc.  merged  with
Presidents  Telecom, Inc. ("PRTE") whereby PRTE was the surviving corporation
and  Central America Fuel Technology, Inc. ceased too exist. PRTE establishes
satellite  communications world wide to Costa Rican companies.   Pursuant  to
the  Plan  of Merger, PRTE issued 5,000 shares of restricted Common Stock  to
Anthony N. DeMint in exchange for the cancellation of Mr. DeMint's 10,000,000
shares  of  Central  America Fuel Technology, Inc. Common Stock.  Mr.  DeMint
currently  is a non-affiliated stockholder of PRTE. PRTE is currently  a  SEC
reporting company under 12(g) of the Securities and Exchange Act of 1934.  On
April 17, 2000 PRTE changed its name to VOIP Telecom, Inc.

(2g)   In  March  2000 Scientific Fuel Technology, Inc. merged with  Vertical
Computers Systems, Inc. ("VCSY") whereby Vertical Computers Systems, Inc. was
the  surviving  successor corporation and Scientific  Fuel  Technology,  Inc.
ceased  to  exist.   VCSY  is a multi-lingual portal and  Internet  solutions
provider  for foreign countries, developing nations and regions of the  world
where  access  and content is limited.  Pursuant to the Plan of Merger,  VCSY
issued  2,000,000 shares of restricted Common Stock to Anthony N.  DeMint  in
exchange for the cancellation of Mr. DeMint's 10,000,000 shares of Scientific
Fuel  Technology,  Inc.  Common Stock.  VCSY is  currently  a  SEC  reporting
company under 12(g) of the Securities and Exchange Act of 1934.

(2h)   In  March  2000 TourPro Golf, Inc. merged with Mirage Computers,  Inc.
whereby  Mirage Computers, Inc. n/k/a Mega Micro Technologies Group. ("MMTG")
was  the  surviving successor corporation and TourPro Golf,  Inc.  ceased  to
exist.   Mirage  is in the business of acquiring and developing  a  group  of
synergistic   technology  related  companies,  which  will   share   customer
databases,  administration and marketing costs.   Pursuant  to  the  Plan  of
Merger,  MMTG issued 150,000 shares of restricted Common Stock to Anthony  N.
DeMint  in exchange for the cancellation of Mr. DeMint's 4,800,000 shares  of
TourPro  Golf,  Inc. Common Stock. Mr. DeMint currently is  a  non-affiliated
stockholder of MMTG. MMTG is currently a SEC reporting company under 12(g) of
the  Securities and Exchange Act of 1934. Concurrent with the  merger  Mirage
changed its name to Mega Micro Technologies Group.  Mega Micro is trading  on
the OTC:BB under the symbol "MGGA".

(2i)   In  April  2000  J.S.J.  Capital Corp.  merged  with  High  Speed  Net
Solutions, Inc. ("HSNS") whereby HSNS was the surviving successor corporation
and  J.S.J.  Capital Corp. Inc. ceased to exist.  HSNS is in the business  of
delivering  audio,  video  and  graphics content  and  advertising  over  the
Internet.   Pursuant  to  the Plan of Merger, HSNS issued  50,000  shares  of
restricted Common Stock to Anthony N. DeMint in exchange for the cancellation
of Mr. DeMint's 672,000 shares of J.S.J. Capital Corp. Common Stock.

(3)  In May Anthony DeMint acquired 672,000 shares of J.S.J. Capital II, Inc.
for $175,000 in cash.

In  July 2000 Anthony DeMint resigned as sole Officer and Director of  J.S.J.
Capital II, Inc. and sold 100% of his shares in the Company for $175,000.

<PAGE>

CONFLICTS OF INTEREST

     Our  officer  and  director expects to organize  other  companies  of  a
similar  nature  and  with a similar purpose as us. Consequently,  there  are
potential  inherent  conflicts  of interest in  acting  as  our  officer  and
director.  Insofar as the officer and director is engaged in  other  business
activities, management anticipates that he will devote only a minor amount of
time  to  our affairs. We do not have a right of first refusal pertaining  to
opportunities   that  come  to  management's  attention   insofar   as   such
opportunities may relate to our proposed business operations.

    A  conflict may arise in the event that another blank check company  with
which management is affiliated is formed and actively seeks a target company.
It  is  anticipated that target companies will be located for  us  and  other
blank check companies in chronological order of the date of formation of such
blank check companies or, in the case of blank check companies formed on  the
same  date,  alphabetically. However, any blank check  companies  with  which
management is, or may be, affiliated may differ from us in certain items such
as place of incorporation, number of shares and stockholder, working capital,
types  of  authorized securities, or other items. It may  be  that  a  target
company  may be more suitable for or may prefer a certain blank check company
formed after us. In such case, a business combination might be negotiated  on
behalf  of  the more suitable or preferred blank check company regardless  of
date of formation.

    The  terms  of business combination may include such terms as Mr.  DeMint
remaining  a  director  or  officer  of the  Company  and/or  the  continuing
securities work of the Company being handled by the consulting firm of  which
Mr. DeMint is a director. The terms of a business combination may provide for
a  payment  by cash or otherwise to Mr. DeMint for the purchase or retirement
of  all or part of his common stock of the Company by a target company or for
services rendered incident to or following a business combination. Mr. DeMint
would  directly  benefit from such employment or payment. Such  benefits  may
influence Mr. DeMint's choice of a target company.

    We  may  agree  to  pay  finder's fees, as appropriate  and  allowed,  to
unaffiliated  persons  who  may  bring a target  company  to  us  where  that
reference results in a business combination. No finder's fee of any kind will
be  paid  by  us  to  management or our promoters or to their  associates  or
affiliates.  No loans of any type have, or will be, made by us to  management
or our promoters of or to any of their associates or affiliates.

    We  will not enter into a business combination, or acquire any assets  of
any  kind  for  our securities, in which our management or any affiliates  or
associates have a greater than 10% interest, direct or indirect.

    There  are  no  binding guidelines or procedures for resolving  potential
conflicts of interest. Failure by management to resolve conflicts of interest
in  favor  of us could result in liability of management to us. However,  any
attempt by stockholder to enforce a liability of management to us would  most
likely be prohibitively expensive and time consuming.

<PAGE>


ITEM 10.  EXECUTIVE COMPENSATION

     Our  officer  and  director does not receive any  compensation  for  his
services rendered, has not received such compensation in the past, and is not
accruing  any  compensation pursuant to any agreement with us.  However,  our
officer   and  director  anticipates  receiving  benefits  as  a   beneficial
stockholder and, possibly, in other ways.

     No  retirement,  pension,  profit sharing,  stock  option  or  insurance
programs or other similar programs have been adopted by us for the benefit of
our employees.

ITEM 11.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

     The  following  table sets forth, as of December 31, 2000,  each  person
known  by us to be the beneficial owner of five percent or more of our Common
Stock  and our director and officer. Except as noted, the holder thereof  has
sole voting and investment power with respect to the shares shown.

                                        Amount of
Name and Address                        Beneficial           Percent of
Of Beneficial Owner                     Ownership         Outstanding Stock
---------------------                  ------------       ----------------
Anthony N. DeMint                       5,000,000               100%
1850 E. Flamingo Rd., #111
Las Vegas, NV 89119

All Executive Officers and
Directors as a Group
(1 Person)                              5,000,000               100%

ITEM 12.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

     On  March  3,  2000, the Company issued a total of 5,000,000  shares  of
Common Stock to the following persons for a total of $5,000 in services:

                            NUMBER OF                     TOTAL
NAME                         SHARES                   CONSIDERATION
-------------------     ----------------     --------------------------
Anthony N. DeMint           5,000,000                    $5,000

     The  Board of Directors has passed a resolution which contains a  policy
that  we will not seek an acquisition or merger with any entity in which  our
officer,  director  or  holder or their affiliates  or  associates  serve  as
officer or director or hold more than a 10% ownership interest. Management is
not aware of any circumstances under which this policy may be changed.
<PAGE>


ITEM 13.  EXHIBITS AND REPORTS ON FORM 8-K

(a)  Exhibits
3(i)*  Certificate  of  Incorporation filed as an exhibit  to  the  Company's
       registration  statement on Form 10-SB filed on  March  23,  2000,  and
       incorporated herein by reference.
3(ii)* By-Laws  filed  as an exhibit to the Company's registration  statement
       on  Form  10-SB  filed on March 23, 2000, and incorporated  herein  by
       reference.
4.1*   Article  VI  of Articles of Incorporation filed as an exhibit  to  the
       Company's  registration statement on Form 10-SB  filed  on  March  23,
       2000, and incorporated herein by reference.
4.2*   Article II and Article VIII, Sections 3 and 6 of By-Laws filed  as  an
       exhibit  to  the Company's registration statement on Form 10-SB  filed
       on March 23, 2000, and incorporated herein by reference.
11**   Statement of Per share earnings as shown in Note 2 number 2 on page F-
       6 of December 31, 2000 audit filed herewith.
23**   Consent of Accountants
_____
*    Previously filed
**   Filed herewith

(b)   There were no reports on Form 8-K filed by the Company during the  year
ended December 31, 2000.
<PAGE>

                                 SIGNATURES

     Pursuant  to  the requirements of Section 13 or 15(d) of the  Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed
on its behalf by the undersigned thereunto duly authorized.

                              INTERBANK CAPITAL CORP

                              By:_/s/ Anthony N. DeMint______
                                   Anthony N. DeMint, President

Dated:    February 1, 2001

     Pursuant  to  the requirements of the Securities Exchange Act  of  1934,
this  report has been signed below by the following persons on behalf of  the
registrant and in the capacities and on the dates indicated.

NAME                     OFFICE              DATE

/s/ Anthony N. DeMint
Anthony N. DeMint        Director            February 1, 2001

<PAGE>

                              TABLE OF CONTENTS
                                                                         PAGE
INDEPENDENT AUDITORS' REPORT                                             F-1

BALANCE SHEET                                                            F-2

STATEMENT OF OPERATIONS                                                  F-3

STATEMENT OF STOCKHOLDERS' EQUITY                                        F-4

STATEMENT OF CASH FLOWS                                                  F-5

NOTES TO FINANCIAL STATEMENTS                                      F-6 - F-7
<PAGE>


                           BARRY L. FRIEDMAN, P.C.
                         Certified Public Accountant

1582 TULITA DRIVE                           OFFICE (702) 361-8414
LAS VEGAS, NEVADA 89123                    FAX NO. (702) 896-0278

                        INDEPENDENT AUDITORS' REPORT

Board Of Directors                                January 2, 2001
INTERBANK CAPITAL CORP
Las Vegas, Nevada

     I  have  audited  the accompanying Balance Sheets of  INTERBANK  CAPITAL
CORP, (A Development Stage Company), as of December 31, 2000, and the related
Statements of Operations, Stockholders' Equity and Cash Flows for the  period
March  3,  2000, (inception) to December 31, 2000. These financial statements
are  the responsibility of the Company's management. My responsibility is  to
express an opinion on these financial statements based on my audit.

     I  conducted  my  audit in accordance with generally  accepted  auditing
standards.  Those  standards require that we plan and perform  the  audit  to
obtain  reasonable assurance about whether the financial statements are  free
of  material  misstatement. An audit includes examining,  on  a  test  basis,
evidence  supporting the amounts and disclosures in the financial statements.
An   audit  also  includes  assessing  the  accounting  principles  used  and
significant  estimates made by management, as well as evaluating the  overall
financial  statement  presentation.  I  believe  that  my  audit  provides  a
reasonable basis for my opinion.

     In  my  opinion,  the  financial statements referred  to  above  present
fairly, in all material respects, the financial position of INTERBANK CAPITAL
CORP, (A Development Stage Company), as of December 31, 2000, and the results
of  its operations, stockholders equity, and cash flows for the period  March
3,  2000,  (inception),  to December 31, 2000, in conformity  with  generally
accepted accounting principles.

     The  accompanying financial statements have been prepared  assuming  the
Company  will  continue as a going concern. As discussed in Note  #3  to  the
financial  statements  the  Company   has  suffered  recurring  losses   from
operations  and has no established source of revenue. This raises substantial
doubt about its ability to continue as a going concern. Management's plan  in
regard  to  these  matters  are also described in Note  #3.  These  financial
statements do not include any adjustments that might result from the  outcome
of this uncertainty.


/s/ Barry L. Friedman
Barry L. Friedman
Certified Public Accountant

<PAGE>
<TABLE>
                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)
                              December 31, 2000


                                BALANCE SHEET

                                   ASSETS
<S>                                                     <C>
CURRENT ASSETS                                            $                0
                                                         -------------------
     TOTAL CURRENT ASSETS                                 $                0
                                                         -------------------
OTHER ASSETS                                               $               0
                                                         -------------------
     TOTAL OTHER ASSETS                                   $                0
                                                         -------------------
  TOTAL ASSETS                                              $              0
                                                                 ===========
</TABLE>
                    LIABILITIES AND STOCKHOLDERS' EQUITY
<TABLE>
<S>                                                     <C>
CURRENT LIABILITIES
     OFFICERS ADVANCES (NOTE #6)                              $        1,105
                                                          ------------------
     TOTAL CURRENT LIABILITIES                                $        1,105
                                                          ------------------
STOCKHOLDERS' EQUITY

   Preferred stock, $.001 par value
   authorized 5,000,000 shares
   issued and outstanding at
   December 31, 2000-None                                   $              0

   Common stock, $.001 par value,
   authorized 20,000,000 shares;
   issued and outstanding at
   December 31, 2000-5,000,000 shares                          $       5,000

Additional paid-in capital                                                 0

Deficit accumulated during
development stage                                                    (6,105)
                                                         -------------------
     TOTAL STOCKHOLDER'S EQUITY                             $        (1,105)
                                                         -------------------
  TOTAL LIABILITIES AND STOCKHOLDERS'
  EQUITY                                                              $    0
                                                                ============
</TABLE>
  The accompanying notes are an integral part of these financial statements
<PAGE>
<TABLE>
                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)
               March 3, 2000,(Inception) to December 31, 2000


                           STATEMENT OF OPERATIONS
<S>                                                  <C>
INCOME
Revenue                                                  $                 0
                                                        --------------------
EXPENSE
General and
Administrative                                              $          6,105

                                                        --------------------
TOTAL EXPENSES                                              $          6,105
                                                        --------------------
NET LOSS                                                    $        (6,105)
                                                                ============
Net Loss
Per Share                                                  $         (.0012)
                                                                ============
Weighted average
number of common
shares outstanding                                                 5,000,000
                                                               =============
</TABLE>

  The accompanying notes are an integral part of these financial statements
<PAGE>
<TABLE>
                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)

                STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY



                                                   Additional
                                 Common Stock       paid-in     Accumulated
                               Shares    Amount     Capital       Deficit
                              -------    -------    --------    ----------
<S>                          <C>        <C>         <C>         <C>
March 3, 2000
issued for services          5,000,000     $5,000           $0            $0

Net loss, March
3, 2000 (inception)
to December 31, 2000                            -                    (6,105)
                              --------  ---------   ----------   -----------
Balance,
December 31, 2000            5,000,000     $5,000           $0      $(6,105)
                              ========   ========   ==========  ============

</TABLE>

  The accompanying notes are an integral part of these financial statements
<PAGE>
<TABLE>
                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)
               March 3, 2000,(Inception) to December 31, 2000

                           STATEMENT OF CASH FLOWS
<S>                                                    <C>
Cash Flows from
Operating Activities
  Net loss                                              $            (6,105)
  Adjustment to reconcile net loss to net cash
provided by operational activities
  Issue common stock for services                                      5,000

Changes in assets and
Liabilities
  Officers Advances                                                    1,105
                                                       ---------------------
Net cash used in
operating activities                                    $                  0

Cash Flows from
Investing Activities                                                       0

Cash Flows from
Financing Activities                                                       0
                                                    ------------------------
Net Increase (Decrease)                               $                    0

Cash,
Beginning of period                                                        0
                                                     -----------------------
Cash,
End of period                                        $                     0
                                                              ==============


</TABLE>

  The accompanying notes are an integral part of these financial statements
<PAGE>

                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)

                        NOTES TO FINANCIAL STATEMENTS
                              December 31, 2000

NOTE 1 - HISTORY AND ORGANIZATION OF THE COMPANY

     The Company was organized March 3, 2000, under the laws of the State  of
     Nevada,  as  INTERBANK  CAPITAL  CORP  The  Company  currently  has   no
     operations  and, in accordance with SFAS #7, is considered a development
     stage company.

     On  March 3, 2000, the Company issued 5,000,000 shares of its $.001  par
     value common stock for services of $5,000.

NOTE 2 - ACCOUNTING POLICIES AND PROCEDURES

     The  Company  has not determined its accounting policies and procedures,
     except as follows:

     1.   The Company uses the accrual method of accounting.

     2.   Earnings per share is computed using the weighted average number of
          shares of common stock outstanding.

     3.   The  Company  has not yet adopted any policy regarding  payment  of
          dividends. No dividends have been paid since inception.

     4.   In   April  1998,  the  American  Institute  of  Certified   Public
          Accountant's  issued  Statement of  Position  98-5  ("SOP  98-511),
          Reporting  on  the  Costs  of Start-Up Activities"  which  provides
          guidance   on  the  financial  reporting  of  start-up  costs   and
          organization  costs. It requires costs of start-up  activities  and
          organization  costs  to  be  expensed  as  incurred.  SOP  98-5  is
          effective for fiscal years beginning after December 15, 1998,  with
          initial  adoption reported as the cumulative effect of a change  in
          accounting principle. With the adoption of SOP 98-5, there has been
          little or no effect on the Company's financial statements.

NOTE 3 - GOING CONCERN

     The Company's financial statements are prepared using generally accepted
     accounting  principles applicable to a going concern, which contemplates
     the  realization of assets and liquidation of liabilities in the  normal
     course  of  business.  However, the Company has no  source  of  revenue.
     Without realization of additional capital, it would be unlikely for  the
     Company to continue as a going concern. It is management's plan to  seek
     additional  capital  through  further  equity  financing's  and  seeking
     necessary bank loans.

<PAGE>

                           INTERBANK CAPITAL CORP
                        (A Development Stage Company)

                   NOTES TO FINANCIAL STATEMENTS CONTINUED
                              December 31, 2000

NOTE 4 - WARRANTS AND OPTIONS

     There  are  no  warrants or options outstanding to issue any  additional
     shares of common or preferred stock of the Company.


NOTE 5 - RELATED PARTY TRANSACTION

     The Company neither owns or leases any real or personal property. Office
     services  are provided without charge by an officer and or  director  of
     the  Company.  Such costs are immaterial to the financial statements and
     accordingly, have not been reflected therein. The officers and directors
     of  the Company are involved in other business activities and may in the
     future,  become involved in other business opportunities. If a  specific
     business opportunity becomes available, such persons may face a conflict
     in selecting between the Company and their other business interests. The
     Company  has  not  formulated  a  policy  for  the  resolution  of  such
     conflicts.

NOTE 6 - OFFICERS ADVANCES

     While  the  Company is seeking additional capital through a merger  with
     an  existing  operating company, an officer of the Company has  advanced
     funds  on  behalf  of the Company to pay for any costs incurred  by  it.
     These funds are interest free.