SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

              [X]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                For the Quarterly Period Ended September 30, 2000

                                       OR

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

                        For the Transition Period from to


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

        Georgia                        6711                    58-2485661
-------------------------    -------------------------    ----------------------
 (State of Jurisdiction         (Primary Standard          (I.R.S. Employer
   of Incorporation          Industrial Classification     Identification  No.)
   or organization)               Code  Number)

281  South  Main  Street,  Suite  105A
Alpharetta,  Georgia                                             30004
---------------------------------------                -------------------------
(Address  of  principal  executive                            (Zip  Code)
offices)

                                  770-667-7899
                                  ------------
                               (Telephone Number)


                                 Not Applicable
                                 --------------
                          (Former name, former address
                             and former fiscal year,
                          if changed since last report)

     Check  whether  the  issurer: (1) filed all reports required to be filed by
Section  13  or 15(d) of the Exchange Act during the past 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      NO XX
                                            ---

                      APPLICABLE ONLY TO CORPORATE ISSUERS

     State  the  number of shares outstanding of each of the issuer's classes of
common  equity,  as  of  the  latest  practicable  date:
     One  share  of  common  stock,  no  par  value  per  share  was  issued and
outstanding  as  of  September  30,  2000. Registrant has recently registered an
offering  of  its stock pursuant to a Registration Statement on Form SB-2, which
the  SEC  declared  effective  on  July  14,  2000.

     Transitional  Small Business Disclosure Format (check one):  YES     NO  XX
                                                                      ---    ---


<PAGE>
                        FUTURUS FINANCIAL SERVICES, INC.

                         PART I.  FINANCIAL INFORMATION

     ITEM  1.     FINANCIAL  STATEMENTS

          The  financial  statements  of  Futurus  Financial Services, Inc. (the
"Company")  are  set  forth  in  the  following  pages.




                                      -2-
<PAGE>
<TABLE>
<CAPTION>

                        FUTURUS FINANCIAL SERVICES, INC.
                        (A DEVELOPMENT STAGE CORPORATION)

                                  BALANCE SHEET
                                   (UNAUDITED)

                               SEPTEMBER 30, 2000

                                     Assets
                                     ------



<S>                                                            <C>
Cash                                                           $   13,867

Premises and equipment, net                                       228,420

Other assets                                                       58,978
                                                               -----------

                                                               $  301,265
                                                               ===========


                      Liabilities and Stockholder's Deficit
                      -------------------------------------

Accounts payable and accrued expenses                          $   66,317

Note payable - line of credit                                     973,100
                                                               -----------

      Total liabilities                                         1,039,417
                                                               -----------

Stockholder's deficit:

  Preferred stock, no par value; 2,000,000 shares authorized;           -
    no shares issued and outstanding

  Common stock, no par value; 10,000,000 shares authorized;            10
    1 share issued and outstanding

  Deficit accumulated during the development stage               (738,162)
                                                               -----------

      Total stockholder's deficit                                (738,152)
                                                               -----------

                                                               $  301,265
                                                               ===========
</TABLE>


                                      -3-
<PAGE>
<TABLE>
<CAPTION>

                        FUTURUS FINANCIAL SERVICES, INC.
                        (A DEVELOPMENT STAGE CORPORATION)

                            STATEMENTS OF OPERATIONS
                                   (UNAUDITED)

             FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2000
      AND THE PERIOD FROM AUGUST 12, 1999 (INCEPTION) TO SEPTEMBER 30, 2000



                           Three Months     Nine Months      Cumulative
                               Ended           Ended          Through
                          Sept. 30, 2000   Sept. 30, 2000  Sept. 30, 2000
                          ---------------  --------------  --------------
<S>                       <C>              <C>             <C>
Expenses:
  Legal and consulting    $        60,792         162,809         253,604

  Officer compensation             81,565         219,036         267,083
  Other operating                 105,572         173,439         217,475
                          ---------------  --------------  --------------

    Net loss              $       247,929         555,284         738,162
                          ===============  ==============  ==============
</TABLE>


                                      -4-
<PAGE>
<TABLE>
<CAPTION>
                               FUTURUS FINANCIAL SERVICES, INC.
                               (A DEVELOPMENT STAGE CORPORATION)

                                   STATEMENTS OF CASH FLOWS
                                          (UNAUDITED)

                         FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000
             AND THE PERIOD FROM AUGUST 12, 1999 (INCEPTION) TO SEPTEMBER 30, 2000


                                                             Nine Months         Cumulative
                                                                Ended              Through
                                                          September 30, 2000   March 31, 2000
                                                         --------------------  ---------------
<S>                                                      <C>                   <C>
Cash flows from operating activities:
  Net loss                                               $          (555,284)       (738,162 )
  Adjustments to reconcile net loss to net cash used by
    operating activities:
      Depreciation                                                       630            1,133
      Change in other assets                                         (45,395)         (58,978)
      Change in accounts payable and accrued expenses                 31,295           66,317
                                                         --------------------  ---------------

        Net cash used by operating activities                       (568,754)        (729,690)
                                                         --------------------  ---------------

Cash flows from investing activities, consisting of
  additions to premises and equipment                              ( 227,038)       ( 229,553)
                                                         --------------------  ---------------

Cash flows from financing activities:
  Proceeds from line of credit                                       803,100          973,100
  Sale of organization share of common stock                               -               10
                                                         --------------------  ---------------

        Net cash provided by financing activities                    803,100          973,110
                                                         --------------------  ---------------

Net change in cash and cash equivalents                                7,308           13,867

Cash and cash equivalents at beginning of period                       6,559                -
                                                         --------------------  ---------------

Cash and cash equivalents at end of period               $            13,867           13,867
                                                         ====================  ===============


Supplemental cash flow information:
  Cash paid for interest                                 $            29,700           30,949
                                                         ====================  ===============
</TABLE>


                                      -5-
<PAGE>
                        FUTURUS FINANCIAL SERVICES, INC.
                        (A DEVELOPMENT STAGE CORPORATION)

                          NOTES TO FINANCIAL STATEMENTS

(1)  ORGANIZATION
     ------------
     Futurus Financial  Services,  Inc. (the "Company") was incorporated for the
     purpose of becoming a bank holding company.  The Company intends to acquire
     100%  of  the   outstanding   common  stock  of  Futurus  Bank,   N.A.  (In
     Organization) (the "Bank"), which will operate in northern Fulton County in
     the metropolitan Atlanta,  Georgia area. The organizers of the Bank filed a
     joint application to charter the Bank with the Office of the Comptroller of
     Currency and the Federal Deposit Insurance Corporation on October 15, 1999.
     Provided that the application is timely  approved and necessary  capital is
     raised,  it is expected that  operations will commence in the first quarter
     of 2001.

     Operations  through  September 30, 2000 relate primarily to expenditures by
     the  organizers  for   incorporating   and  organizing  the  Company.   All
     expenditures by the organizers are considered expenditures of the Company.

     The Company plans to raise between  $9,000,000 and  $11,000,000  through an
     offering of its common stock at $10 per share, of which  $8,500,000 will be
     used to  capitalize  the  Bank.  The  organizers  and  directors  expect to
     subscribe for a minimum of approximately $2,232,500 of the Company's stock.

     In connection with the Company's  formation and initial offering,  warrants
     to  purchase  shares of common  stock at $10.00 per share will be issued to
     the organizing stockholders. Organizing stockholders who purchase 20,000 or
     more shares of common stock in the initial  offering will receive  warrants
     to  purchase  one  share of  common  stock for each  share  they  purchase.
     Organizing stockholders who purchase less than 20,000 shares in the initial
     offering  will  receive  warrants to purchase one share of common stock for
     each two shares they purchase.  The warrants are exercisable on each of the
     three  succeeding  anniversaries  of the date of the  close of the  initial
     offering at the initial  offering  price of $10.00 per share and expire ten
     years after the date of grant.  The Company also intends to reserve 110,000
     shares for the issuance of options under an employee incentive stock option
     plan.

(2)  SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES
     ----------------------------------------------
     ORGANIZATION  COSTS
     Costs incurred for the organization of the Company and the Bank (consisting
     principally of legal,  accounting,  consulting and incorporation  fees) are
     being expensed as incurred.

     DEFERRED  OFFERING  EXPENSES
     Costs incurred in connection with the stock offering, consisting of direct,
     incremental  costs of the offering,  are being  deferred and will be offset
     against the  proceeds of the stock sale as a charge to  additional  paid in
     capital.

     PRE-OPENING  EXPENSES
     Costs  incurred for overhead and other  operating  expenses are included in
     the current period's operating results.

     PROFORMA  NET  LOSS  PER  COMMON  SHARE
     Proforma  net loss per common share is  calculated  by dividing net loss by
     the minimum number of common shares  (900,000),  which would be outstanding
     should the  offering  be  successful,  as  prescribed  in Staff  Accounting
     Bulletin  Topic 1:B.  The  proforma  net loss per share for the nine months
     ended September 30, 2000 was $.62 with a cumulative net loss per share from
     inception to September 30, 2000 of $.82.

(3)  PREFERRED  STOCK
     ----------------
     Shares of  preferred  stock may be issued  from time to time in one or more
     series  as  established  by  resolution  of the Board of  Directors  of the
     Company.  Each  resolution  shall  include  the  number of  shares  issued,
     preferences, special rights and limitations as determined by the Board.


                                      -6-
<PAGE>
                        FUTURUS FINANCIAL SERVICES, INC.
                        (A DEVELOPMENT STAGE CORPORATION)

                    NOTES TO FINANCIAL STATEMENTS, CONTINUED



     ITEM 2.     MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
                 RESULTS  OF  OPERATIONS

     Since  its inception on August 12, 1999, the Company's principal activities
have  been  related  to  its  organization, the conducting of its initial public
offering, and the pursuit of approvals from the Office of the Comptroller of the
Currency  (the  "OCC") and Federal Deposit Insurance Corporation (the "FDIC") of
its  application  to  charter  a  bank.  The  OCC  and  FDIC granted preliminary
approval  of  the  application  on  February  14,  2000  and  April  18,  2000,
respectively.

     At  September  30,  2000,  the  Company had total assets of $301,265. These
assets  consisted  principally  of  premises and equipment of $228,420, deferred
offering  expenses  of  $55,206  and  cash  of  $13,867.

     The Company's liabilities at September 30, 2000 were $1,039,417, consisting
of  advances under a line of credit from a bank of $973,100 and accounts payable
and  accrued  expenses  of  $66,317.  The Company had a stockholder's deficit of
$738,152  at  September  30,  2000.

     The  Company had a net loss of $555,284 for the nine months ended September
30,  2000,  and $738,162 cumulatively from inception through September 30, 2000,
or  a  pro  forma net loss of $.62 per share for the nine months ended September
30,  2000  and $.82 per share cumulatively since inception (assuming the sale of
the  minimum number of shares in the offering were outstanding during the entire
period). This loss resulted from expenses incurred in connection with activities
related  to  the  organization  of  the Bank. These activities included (without
limitation)  the  preparation  and filing of an application with the OCC and the
FDIC  to  charter  the  Bank,  responding  to questions and providing additional
information  to the OCC and the FDIC in connection with the application process,
preparing a Prospectus and filing a Registration Statement with the SEC, selling
the  common  stock,  meetings and discussions among various organizers regarding
application  and  SEC  filing  information,  target  markets  and capitalization
issues,  hiring  qualified  personnel  to  work  for the Bank, conducting public
relations  activities  on behalf of the Company, developing prospective business
contacts  for  the  Company, and taking other actions necessary for a successful
Bank  opening.  Because  the  Company  was  in the organization stage, it had no
operations  from  which  to  generate  revenues.

     A  minimum  of  $9,000,000  will  be  raised  in  the  Offering and used to
capitalize the Company and to provide working capital. The Company believes this
amount  will  be  sufficient  to  fund the activities of the Bank in its initial
stages  of  operations,  and  that the Bank will generate sufficient income from
operations  to  fund  its  activities  on  an ongoing basis. For purposes of its
charter  application  with  the  OCC, the organizers estimate that the Company's
deficit  when  it  opens  to  be  approximately  $1,160,000, although the actual
deficit  may  be significantly higher or lower. The Company believes that income
from  the operations of the Bank will be sufficient to fund its activities on an
ongoing  basis; however, there can be no assurance that the Company will achieve
any  particular  level  of  profitability. The Company has obtained a $1,200,000
line  of credit guaranteed by the organizers to provide the necessary funding to
cover  costs  and expenses the Bank is expected to incur prior to the completion
of  the  Offering. In the event the proceeds of the Offering are insufficient to
provide the minimum initial funding needed for regulatory approval, the proceeds
from the Offering will be returned to the investors, the Offering withdrawn, and
the  organizers  will  assume  the  obligations  of  the  Company.


                                      -7-
<PAGE>
                           PART II.  OTHER INFORMATION


ITEM  1.  LEGAL  PROCEEDINGS

     There  are  no material pending legal proceedings to which the Company is a
party.

ITEM  2.  CHANGES  IN  SECURITIES

     (a)  Not  applicable.

     (b)  Not  applicable.

     (c)  Not  applicable.

     (d)  The  Registrant's  Registration  Statement  on Form SB-2 was  declared
          effective on July 14, 2000, which  registered  1,100,000 shares of the
          Registrant's common stock. Therefore, as of the period ended September
          30, 2000 for which this Form 10-QSB relates,  no offering proceeds had
          been received by the Registrant.

ITEM  3.  DEFAULTS  UPON  SENIOR  SECURITIES

     Not  applicable

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

     None.

ITEM  5.  OTHER  INFORMATION

     None.

ITEM  6.  EXHIBITS  AND  REPORTS  ON  FORM  8-K

     (a)  Exhibits.  The  following  exhibits  are filed with or incorporated by
reference  into  this  Form  10-QSB  pursuant  to  Item  601  of Regulation S-B:

Exhibit
   No.                              Description
------                              -----------

3.1               Articles  of  Incorporation,  as  amended  and  restated*
3.2               Bylaws*
4.1               Specimen  Common  Stock  Certificate*
4.2               See  Exhibits  3.1  and  3.2 for provisions of the Articles of
                  Incorporation and Bylaws defining rights of holders of Futurus
                  Financial Services, Inc.'s  common  stock

10.1              Lease  Agreement  by  and  between Futurus Financial Services,
                  Inc. and  Pioneer Real Estate Development, Inc. dated March 9,
                  2000 and entered into on March 14, 2000 (permanent  facility)*

10.2              Lease  Agreement  by  and  between Futurus Financial Services,
                  Inc.  and  Daniel  B.  Cawart d/b/a Alpharetta Square Shopping
                  Center dated February 15, 2000 (temporary  facility)*

10.3              Promissory  Note  dated  August  23, 1999  executed by Futurus
                  Financial  Services,  Inc.  and  accepted by The Bankers Bank,
                  Atlanta, Georgia, and form of Commercial  Guaranty*

10.4              Form  of  Futurus Financial Services, Inc. Organizers' Warrant
                  Agreement*

10.5              Futurus Financial Services, Inc. 2000  Stock  Incentive  Plan*


                                      -8-
<PAGE>
10.6              Project Development and Construction Agreement dated September
                  28, 1999 and accepted October 2, 1999 by and between Futurus
                  Financial Services, Inc. and KDA  Financial,  Inc.*

10.7              Project  Agreement  dated  November  30,  1999  by and between
                  Futurus Financial  Services,  Inc. and The Compass Group d/b/a
                  Stern Marketing Group*

10.8              Amended  and  Restated Employment Agreement dated as of August
                  20, 2000  by and between Futurus Bank, N.A. (In Organization),
                  Futurus  Financial  Services,  Inc.  and  William  M.  Butler*

10.9              Form  of  Employment  Agreement  by  and between Futurus Bank,
                  N.A. (In Organization),  Futurus Financial Services, Inc.  and
                  R.  Wesley  Fuller*

10.10             Form of Employment Agreement by and between Futurus Bank, N.A.
                  (In  Organization),  Futurus  Financial  Services,  Inc.  and
                  Suzanne  T.  Phipps*

10.11             Promissory  Note  dated  February 11, 2000 executed by Futurus
                  Financial  Services,  Inc.  and  accepted by The Bankers Bank,
                  Atlanta, Georgia, and form of  Commercial  Guaranty*

10.12             Letter  of  Agreement  dated  March  14,  2000  by and between
                  Futurus  Financial  Services,  Inc.  and  KDA Financial, Inc.*

10.13             Project Agreement dated March 10, 2000 by and between  Futurus
                  Financial  Services,  Inc. and  The  Compass Group d/b/a Stern
                  Marketing Group*

10.14             Promissory  Note  dated  June  5,  2000  executed  by  Futurus
                  Financial  Services,  Inc.  and  accepted by The Bankers Bank,
                  Atlanta, Georgia, and form of  Commercial  Guaranty*

10.15             Form  of  Escrow  Agreement*

27.1              Financial  Data  Schedule  (for  SEC  use  only).

------------------
     * Registrant hereby incorporates by reference to the exhibits of  identical
     index number  filed  with,  and made a part of,  Registrant's  Registration
     Statement on Form  SB-2,  as  amended  (File  No.  333-30144).


     (b)     Reports  on  form  8-K
             None.


                                      -9-
<PAGE>
                                   SIGNATURES


     Pursuant  to  the  requirements  of the Exchange Act, the registrant caused
this  report  to  be  signed  on  its  behalf by the undersigned, thereunto duly
authorized.

                                         FUTURUS  FINANCIAL  SERVICES,  INC.



                                         By:
                                             -----------------------------------
                                             William  M.  Butler
                                             President, Chief  Executive Officer
                                               and  Director
                                             (Principal  Executive  Officer)




                                         By:
                                             -----------------------------------
                                             R.  Wesley  Fuller
                                             Chief  Financial  Officer
                                             (Principal Financial and Accounting
                                                Officer)


                                      -10-
<PAGE>