UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 10-QSB


[x]  QUARTERLY  REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE ACT
     OF 1934
                  For the quarterly period ended: June 30, 2000

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

             For the transition period from __________ to __________

                          Commission file number 1-8601


                           CREDITRISKMONITOR.COM, INC.
        (Exact name of small business issuer as specified in its charter)

             Nevada                                       36-2972588
(State or other jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization)

                         110 Jericho Turnpike, Suite 202
                           Floral Park, New York 11001
                    (Address of principal executive offices)

                                 (516) 620-5400
                           (Issuer's telephone number)

Check  whether  the issuer  (1) has filed all  reports  required  to be filed by
Section  13 or 15(d) of the  Securities  and  Exchange  Act of 1934  during  the
preceding 12 months (or for such shorter  period that the issuer was required to
file such reports), and (2) has been subject to such filing requirements for the
past 90 days.
                                Yes [x]   No [ ]

                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                     PROCEEDINGS DURING THE PAST FIVE YEARS

Check whether the  registrant  filed all  documents  and reports  required to be
filed by Sections 12, 13 or 15(d) of the Exchange Act after the  distribution of
securities under a plan confirmed by a court.

                                Yes [ ]   No [ ]


                      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 practical date:

                 Common stock $.01 par value -- 5,341,129 shares
                        outstanding as of August 3, 2000.


Transitional Small Business Disclosure Format (check one): Yes [ ]   No [x]



<PAGE>

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                                      INDEX


                                                                            Page
                                                                            ----

PART I. FINANCIAL INFORMATION

     Item 1. Financial Statements

         Consolidated Balance Sheets - June 30, 2000 (Unaudited)
         and December 31, 1999 (Audited).......................................3

         Consolidated Statements of Operations for the Three Months
         Ended June 30, 2000 and 1999 (Unaudited)..............................4

         Consolidated Statements of Operations for the Six Months
         Ended June 30, 2000 and 1999 (Unaudited)..............................5

         Consolidated Statements of Cash Flows for the Six Months
         Ended June 30, 2000 and 1999 (Unaudited)..............................6

         Condensed Notes to Consolidated Financial Statements..................7

     Item 2. Management's Discussion and Analysis of Financial Condition
         and Results of Operations.............................................9

PART II. OTHER INFORMATION

     Item 6. Exhibits and Reports on Form 8-K.................................12


SIGNATURES....................................................................13

                                      -2-

<PAGE>

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                           CONSOLIDATED BALANCE SHEETS
                       JUNE 30, 2000 AND DECEMBER 31, 1999

<TABLE>
<CAPTION>
                                                                   June 30,             Dec. 31,
                                                                     2000                 1999
                                                                 ------------         ------------
                                                                  (Unaudited)           (Audited)
<S>                                                              <C>                  <C>
ASSETS
Current assets:
     Cash and cash equivalents                                   $  1,380,440         $  1,421,885
     Accounts receivable, net of allowance of $32,500
         and $32,500, respectively                                    457,138              575,048
     Other                                                             17,190               15,798
                                                                 ------------         ------------

         Total current assets                                       1,854,768            2,012,731

Property and equipment, net of accumulated
     depreciation of $109,776 and $61,771, respectively               339,187              316,999
Goodwill, net of accumulated amortization                           2,126,072            2,183,275
Other assets                                                           37,396               21,075
                                                                 ------------         ------------

         Total assets                                            $  4,357,423         $  4,534,080
                                                                 ============         ============

LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities:
     Unearned subscription income                                $  1,484,926         $  1,263,145
     Deferred advertising revenue                                       4,125                 --
     Accrued expenses                                                  73,741               55,598
     Accounts payable                                                  33,844               23,388
     Current portion of capitalized lease obligation                    4,978                4,070
     Other                                                             18,017               41,768
                                                                 ------------         ------------

         Total current liabilities                                  1,619,631            1,387,969

Long-term debt, net of current portion:
     Secured promissory note, net of unamortized discount
         of $126,233 and $167,643, respectively                       873,767              832,357
     Expense promissory note                                          110,676              106,087
     Capitalized lease obligation                                      21,169               19,990
                                                                 ------------         ------------
                                                                    1,005,612              958,434
Deferred rent                                                           3,272                  467
Deferred compensation                                                 131,250               86,250
                                                                 ------------         ------------

         Total liabilities                                          2,759,765            2,433,120

Stockholders' equity:
     Common stock                                                      53,411               53,411
     Additional paid-in capital                                    27,192,567           27,192,567
     Accumulated deficit                                          (25,648,320)         (25,145,018)
                                                                 ------------         ------------

         Total stockholders' equity                                 1,597,658            2,100,960
                                                                 ------------         ------------

         Total liabilities and stockholders' equity              $  4,357,423         $  4,534,080
                                                                 ============         ============
</TABLE>

     See accompanying condensed notes to consolidated financial statements.

                                      -3-

<PAGE>

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS
                FOR THE THREE MONTHS ENDED JUNE 30, 2000 AND 1999
                                   (Unaudited)


<TABLE>
<CAPTION>
                                                                 2000               1999
                                                             -----------         -----------

<S>                                                          <C>                 <C>
Operating revenues                                           $   481,011         $   286,386

Operating expenses:
     Data and product costs                                      180,366             175,902
     Selling, general and administrative expenses                446,180             363,281
     Depreciation and amortization                                53,123              44,246
                                                             -----------         -----------

         Total operating expenses                                679,669             583,429
                                                             -----------         -----------

Loss from operations                                            (198,658)           (297,043)
Other income                                                      17,999              16,814
Interest expense                                                 (23,910)            (21,148)
Loss on sale of fixed assets                                        --                (3,191)
                                                             -----------         -----------

Loss before income taxes                                        (204,569)           (304,568)
Provision for income taxes                                           650                --
                                                             -----------         -----------

Net loss                                                     $  (205,219)        $  (304,568)
                                                             ===========         ===========

Net loss per share of common stock:

     Basic                                                   $     (0.04)        $     (0.06)
                                                             ===========         ===========

     Diluted                                                 $     (0.04)        $     (0.06)
                                                             ===========         ===========

Weighted average number of common shares outstanding:

     Basic                                                     5,341,129           5,300,129
                                                             ===========         ===========

     Diluted                                                   5,341,129           5,300,129
                                                             ===========         ===========
</TABLE>



     See accompanying condensed notes to consolidated financial statements.

                                      -4-

<PAGE>

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS
                 FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                 2000                1999
                                                             -----------         -----------
<S>                                                          <C>                 <C>
Operating revenues                                           $   908,355         $   561,025

Operating expenses:
     Data and product costs                                      364,393             305,980
     Selling, general and administrative expenses                931,045             708,201
     Depreciation and amortization                               105,209              72,479
                                                             -----------         -----------

         Total operating expenses                              1,400,647           1,086,660
                                                             -----------         -----------

Loss from operations                                            (492,292)           (525,635)
Other income                                                      39,902              37,928
Interest expense                                                 (47,241)            (38,048)
Write-off of intangible assets                                      --              (134,076)
Loss on sale of fixed assets                                        --                (3,191)
                                                             -----------         -----------

Loss before income taxes                                        (499,631)           (663,022)
Provision for income taxes                                         3,670                --
                                                             -----------         -----------

Net loss                                                     $  (503,301)        $  (663,022)
                                                             ===========         ===========

Net loss per share of common stock:

     Basic                                                   $     (0.09)        $     (0.13)
                                                             ===========         ===========

     Diluted                                                 $     (0.09)        $     (0.13)
                                                             ===========         ===========

Weighted average number of common shares outstanding:

     Basic                                                     5,341,129           5,300,129
                                                             ===========         ===========

     Diluted                                                   5,341,129           5,300,129
                                                             ===========         ===========
</TABLE>




     See accompanying condensed notes to consolidated financial statements.

                                      -5-

<PAGE>

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                 FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND 1999
                                   (Unaudited)


<TABLE>
<CAPTION>
                                                                2000                1999
                                                            -----------         -----------
<S>                                                         <C>                 <C>
Cash flows from operating activities:
     Net loss                                               $  (503,301)        $  (663,022)
     Adjustments to reconcile net loss to net cash
        provided by (used in) operations:
              Goodwill amortization                              57,204              47,670
              Depreciation                                       48,005              24,809
              Write-off of intangible assets                       --               134,076
              Deferred compensation                              45,000              41,250
              Amortization of debt discount                      41,411              34,522
              Deferred interest expense                           4,589               3,526
              Deferred rent                                       2,804                --
              Loss on sale of fixed assets                         --                 3,191
     Changes in operating assets and  liabilities,
        net of effect of purchase of assets from
        Market Guide Inc.:
              Accounts receivable                               117,910              29,264
              Other current assets                               (1,392)            (12,446)
              Unearned subscription income                      221,781              99,309
              Deferred advertising revenue                        4,125                --
              Accounts payable                                   10,456              46,299
              Accrued expenses                                   18,143             (14,458)
              Other current liabilities                         (23,751)               (910)
                                                            -----------         -----------

Net cash provided by (used in) operating activities              42,984            (226,920)
                                                            -----------         -----------

Cash flows from investing activities:
     Purchase of assets from Market Guide Inc.,
         net of debt issued                                        --            (1,273,547)
     Purchase of fixed assets                                   (70,194)            (56,216)
     Proceeds from sale of fixed assets                            --                   500
     Increase in other assets                                   (16,321)             (6,349)
                                                            -----------         -----------

Net cash used in investing activities                           (86,515)         (1,335,612)
                                                            -----------         -----------

Cash flows from financing activities:
     Proceeds from private offering, net of
         offering expenses                                         --             3,193,553
     Additions to capital lease obligation, net                   2,086                --
                                                            -----------         -----------

Net cash provided by financing activities                         2,086           3,193,553
                                                            -----------         -----------

Net increase (decrease) in cash and cash equivalents            (41,445)          1,631,021
Cash and cash equivalents at beginning of period              1,421,885              13,400
                                                            -----------         -----------

Cash and cash equivalents at end of period                  $ 1,380,440         $ 1,644,421
                                                            ===========         ===========
</TABLE>

     See accompanying condensed notes to consolidated financial statements.

                                      -6-

<PAGE>

                  CREDITRISKMONITOR.COM, INC. AND SUBSIDIARIES
              CONDENSED NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (Unaudited)


(1)  Basis of Presentation

The consolidated  financial statements included herein have been prepared by the
Company,  without audit, pursuant to the rules and regulations of the Securities
and Exchange  Commission.  Certain information and footnote disclosures normally
included  in  consolidated  financial  statements  prepared in  accordance  with
generally accepted accounting principles have been condensed or omitted pursuant
to  such  rules  and  regulations,   although  the  Company  believes  that  the
disclosures are adequate to make the information presented not misleading. These
consolidated  financial  statements  should  be read  in  conjunction  with  the
consolidated  financial statements and the notes thereto in the Company's annual
report on Form 10-KSB for the year ended December 31, 1999.

In the opinion of management,  the unaudited  consolidated  financial statements
reflect all adjustments  (consisting of normal  recurring  accruals)  considered
necessary to present fairly the Company's financial position as of June 30, 2000
and the results of its  operations  and its cash flows for the six months  ended
June 30, 2000 and 1999.

Results of operations for the six months ended June 30, 2000 are not necessarily
indicative of the results of a full year.

Certain  prior year amounts have been  reclassified  to conform with the current
year presentation.

(2)  Purchase of CreditRisk Monitor and Capital Transactions

In September 1998, the Company  entered into an option  agreement (the "Purchase
Option")  to  purchase  the  assets of the  CreditRisk  Monitor  ("CRM")  credit
information  service from Market Guide Inc.  ("MGI").  CRM is an Internet  based
service  providing credit reports to corporate  personnel on retailing and other
companies  incorporating  MGI developed  financial  information,  peer and trend
analysis,  news, and other vital  information.  The Company paid $60,000 for the
Purchase Option in addition to paid and accrued legal fees totaling $55,000.  On
December 29, 1998,  the Company  notified MGI of its  intention to exercise this
Purchase Option, which was consummated on January 19, 1999.

On January 19, 1999, the Company  exercised its option to purchase the assets of
CRM. The assets purchased included customer contracts,  receivables,  equipment,
software,  and  intangibles.  The net present  value of the  purchase  price was
approximately  $2.15  million  (inclusive  of the $60,000  paid for the Purchase
Option in September  1998),  of which $1.23  million was paid at closing and the
balance is represented by two secured  promissory  notes (one for  approximately
$100,000 and the other for $760,000, net of $240,000 discount). These promissory
notes  provide for the deferral of principal  amortization  until  February 2001
(for the $100,000  note which bears  interest at 8.5 percent) and July 2001 (for
the $1.0 million  note which bears  interest at 6 percent),  respectively.  Both
notes are then  payable  over 24 months and are secured by the assets  purchased
and  substantially  all  other  assets of the  Company.  The $1.0  million  note
provides for no interest  through June 30,

                                      -7-

<PAGE>

2001,  while the other note  provides  for the  deferral of interest  until debt
servicing commences.

Concurrently,  the Company  completed a private placement of 1,300,000 shares of
its common stock to approximately 25 "accredited  investors" at a purchase price
of $2.50 per share, for gross proceeds of $3.25 million.  The proceeds from this
offering  were used to finance the cash portion of the CRM  acquisition  and the
remainder will be used for future working capital needs.  These  securities were
subsequently  registered  under a  Registration  Statement on Form SB-2 declared
effective by the Securities and Exchange Commission on May 17, 1999.

In anticipation of the exercise of the Purchase  Option,  in November 1998, Flum
Partners,  a related party,  provided the Company with a line of credit of up to
$20,000 of which only $5,500 was drawn upon and, in consideration  thereof,  the
Company  agreed to issue to Flum  Partners  2,000 shares of common  stock.  As a
participant in the private placement,  Flum Partners purchased 160,000 shares of
common  stock.  In  addition,  as a  condition  to the private  placement,  Flum
Partners agreed to convert all of its 1,100,000 shares of senior preferred stock
into 3,598,299  shares of common stock on or prior to the closing of the private
placement. This conversion was effected as of January 19, 1999.

This  acquisition  was  accounted for using the purchase  method of  accounting.
Accordingly,  a portion of the purchase  price was allocated to net tangible and
intangible  assets acquired based on their estimated fair values.  A portion was
also  allocated to in-process  research and  development  projects that have not
reached technological  feasibility and have no probable alternative future uses.
This amount ($134,076) was written-off in the first quarter of 1999. The balance
of the purchase price was recorded as goodwill,  and is being  amortized over 20
years.

(3)  Net Income (Loss) Per Share

Income  (loss)  per share is  computed  under the  provisions  of  Statement  of
Financial  Accounting Standards ("SFAS") No. 128, "Earnings Per Share." SFAS No.
128 requires the dual  presentation  of basic and diluted EPS on the face of the
statement  of income.  Basic EPS  excludes  dilution and is computed by dividing
income available to common shareholders by the weighted average number of common
shares  outstanding for the period.  Diluted EPS reflects the potential dilution
that could occur if  securities  or other  contracts  to issue common stock were
exercised or converted into common stock.

                                      -8-

<PAGE>

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

Results of Operations

     In January 1999,  the Company  acquired the assets of the CRM and commenced
operations. Accordingly, the three and six month periods ended June 30, 2000 and
1999 reflect the operating results of the Company's credit  information  service
business.  This business began selling its product in April 1997 and is still in
its early stages of development.

     Operating  revenues for the second  quarter of fiscal 2000 increased 68% to
$481,011  compared  to  $286,386  for the second  quarter of fiscal  1999.  On a
year-to-date  basis,  operating  revenues  increased 62% to $908,355 compared to
$561,025 for the same period of fiscal 1999.  These increases were primarily due
to an  increase  in the  number of  subscribers  to the  Company's  subscription
service and the selling of advertising space on its web site during fiscal 2000.

     Data and product  costs were  $180,366 and $364,393 for the second  quarter
and first half of fiscal 2000, respectively,  compared to $175,902 and $305,980,
respectively,  for the same  fiscal  1999  periods.  The dollar  increases  were
primarily due to higher salary and related employee  benefits  resulting from an
increase in  headcount  as the Company  added  personnel to deliver its expanded
product  line.  The  Company is  currently  tracking  in excess of 9,000  public
companies  versus less than 5,700  companies at the end of the second quarter of
fiscal 1999.  As a  percentage  of operating  revenues,  data and product  costs
decreased  to 37% and 40% for the second  quarter and first half of fiscal 2000,
respectively,  compared to 61% and 55%,  respectively,  for the same  periods in
fiscal 1999.

     Selling,  general and  administrative  expenses for the second  quarter and
first six  months  of fiscal  2000 were  $446,180  and  $931,045,  respectively,
compared to $363,281 and $708,201,  respectively, for the same periods of fiscal
1999. The dollar increases were primarily due to an increase in headcount as the
Company has added  salespeople and customer  support  personnel over the past 12
months. As a percent of operating revenues,  selling, general and administrative
expenses were 93% and 102% for the second quarter and first half of fiscal 2000,
respectively,  compared to 127% and 126%, respectively,  for the same periods of
fiscal 1999.

     Depreciation  and  amortization  increased  to $53,123 and $105,209 for the
second quarter and first half of fiscal 2000, respectively,  compared to $44,246
and $72,479,  respectively, for the same periods of fiscal 1999. These increases
were primarily due to higher depreciation  expense related to the acquisition of
computer equipment and other fixed assets during the last 12 months.

     The Company  incurred a net loss of  $205,219  and  $304,568  for the three
months  ended June 30,  2000 and 1999,  respectively.  For the first 6 months of
fiscal 2000 and fiscal  1999,  the Company  incurred a net loss of $503,301  and
$663,022, respectively.  Included in the year-to-date results for fiscal 1999 is
a write-off of $134,076  representing  a portion of the purchase  price paid for
the CRM assets  allocated to in-process  research and development  projects that
have not reached  technological  feasibility  and have no  probable  alternative
future uses.

                                      -9-

<PAGE>

     The Company over time  intends to expand its  operations  by expanding  the
breadth and depth of its product and service  offerings and the  introduction of
new or complementary products.  Gross margins attributable to new business areas
may be  lower  than  those  associated  with  the  Company's  existing  business
activities.

     As a result of the  Company's  limited  operating  history and the emerging
nature of the market in which it competes,  the Company is unable to  accurately
forecast its revenues. The Company's current and future expense levels are based
largely on its  investment  plans and estimates of future  revenues and are to a
large extent fixed.  Sales and operating  results generally depend on the volume
of,  timing of and  ability  to sign new  subscribers,  which are  difficult  to
forecast.  The  Company may be unable to adjust  spending in a timely  manner to
compensate for any unexpected  revenue shortfall.  Accordingly,  any significant
shortfall in revenues in relation to the Company's  planned  expenditures  would
have an immediate adverse effect on the Company's business, prospects, financial
condition and results of operations. Further, as a strategic response to changes
in the competitive  environment,  the Company may from time to time make certain
pricing, purchasing, service, marketing or acquisition decisions that could have
a material adverse effect on its business,  prospects,  financial  condition and
results of operations.

     Factors that may adversely affect the Company's quarterly operating results
include, among others: (i) the Company's ability to retain existing subscribers,
attract new subscribers at a steady rate and maintain  subscriber  satisfaction,
(ii) the development,  announcement or introduction of new services and products
by the Company and its competitors, (iii) price competition, (iv) the increasing
acceptance of the Internet for the purchase of credit  information  such as that
offered by the  Company,  (v) the  Company's  ability to upgrade and develop its
systems and infrastructure,  (vi) the Company's ability to attract new personnel
in a timely  and  effective  manner,  (vii)  the  Company's  ability  to  manage
effectively  the  broadening  of its product to encompass  additional  companies
monitored and the development of new products,  (viii) the Company's  ability to
successfully  manage the integration of third-party data into its Internet site,
(ix) technical  difficulties,  system  downtime or Internet  brownouts,  (x) the
amount  and timing of  operating  costs and  capital  expenditures  relating  to
expansion of the Company's  business,  operations and  infrastructure,  and (xi)
general economic conditions and economic conditions specific to the Internet and
the credit information industry.

Liquidity and Capital Resources

     During 1998 the Company  located,  investigated and negotiated the purchase
of the CRM business then owned by MGI. In September  1998 the Company  purchased
an option to purchase the assets of the CRM business and it exercised its option
on December 29, 1998. The transaction closed effective January 19, 1999.

     In order to  raise  funds to pay the  $1.23  million  cash  portion  of the
purchase  price for the CRM  assets,  the costs of the  acquisition  and to have
sufficient  working  capital to continue to develop and run that  business,  the
Company completed a private placement of 1,300,000 shares on January 19, 1999 of
its Common Stock to approximately 25 "accredited  investors" at a purchase price
of $2.50 per share,  for gross  proceeds of $3.25 million.  Management

                                      -10-

<PAGE>

believes  that the  proceeds of this  offering  will  provide  adequate  working
capital to fund operating losses of CRM until cash breakeven has been achieved.

     The transactions  described above,  along with the issuance of 2,000 shares
of Common  Stock to Flum  Partners  in  November  1998 in  consideration  of its
provision to the Company of a line of credit and the conversion by Flum Partners
of its Senior  Preferred  shares into Common Stock on or about January 20, 1999,
resulted  in Flum  Partners  owning more than 72% of the  Company's  outstanding
Common Stock (which is its only equity security now outstanding)  after the 1999
Private Placement.

     Funds from the 1999 Private Placement became available to the Company on or
about  January 19, 1999,  at which date the Company paid the cash portion of the
purchase price for the CRM assets, paid the expenses of the purchase transaction
and retained the remaining proceeds for use as working capital.

     At June 30, 2000,  the Company had cash and cash  equivalents of $1,380,440
compared to  $1,421,885 at December 31, 1999.  Working  capital at June 30, 2000
was $235,137  compared to working  capital of $624,762 at December 31, 1999. The
decline in working  capital from  December 31, 1999 is due  primarily  to: (1) a
decrease in accounts  receivable,  reflecting  the  seasonality of the Company's
billing cycle, (2) an increase in unearned subscription income, as the result of
the  Company's  growing  subscriber  base,  and (3) the use of cash to fund  the
Company's  operating  loss.  The  Company  has no bank  lines of credit or other
currently available credit sources.

     For the six months ended June 30, 2000, the Company  reported that net cash
provided  by  operating  activities  was  $42,984  compared  to net cash used in
operating  activities of $226,920 for last year's comparable period. The Company
anticipates  that it will be running at an overall cash flow breakeven  basis by
the end of the current fiscal year.

FORWARD-LOOKING STATEMENTS

     Part I, Item 2 (Management's Discussion and Analysis of Financial Condition
and Results of Operations)  of this Quarterly  Report on Form 10-QSB may contain
forward-looking  statements,  including  statements  regarding future prospects,
industry  trends,  competitive  conditions,  litigation  and Year  2000  systems
issues.  Any statements  contained  herein that are not statements of historical
fact may be  deemed  to be  forward-looking  statements.  Without  limiting  the
foregoing, the words "believes", "expects",  "anticipates",  "plans" or words of
similar meaning are intended to identify forward-looking statements. This notice
is  intended  to take  advantage  of the "safe  harbor"  provided by the Private
Securities  Litigation  Reform Act of 1995 with respect to such  forward-looking
statements.  These  forward-looking  statements  involve  a number  of risks and
uncertainties.  Among others,  factors that could cause actual results to differ
materially from the Company's  beliefs or expectations  are those listed in Part
I, Item 2 under "Results of Operations" and other factors  referenced  herein or
from time to time as "risk  factors" or otherwise in the Company's  Registration
Statements or Securities and Exchange Commission reports.

                                      -11-

<PAGE>

PART II. OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K

(a)  Exhibits

     27.  Financial Data Schedule.

(b)  Reports on Form 8-K

     None.



                                      -12-

<PAGE>

                                   SIGNATURES

In accordance with the  requirements of the Exchange Act, the Registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.


                                         CREDITRISKMONITOR.COM, INC.
                                              (REGISTRANT)


Date: August 9, 2000                        By: /s/ Lawrence Fensterstock
                                                --------------------------------
                                                 Lawrence Fensterstock
                                                 Chief Financial Officer

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