Bank 2000, a new bank that plans to carve out a niche among well-to-do professionals and small to medium-size businesses in Northern Virginia and Montgomery County, quietly opened its doors for business in Tysons Corner on Friday.

The bank was organized by a group headed by Dennis J. Roberts and Michael A. Sullivan. Roberts, chairman of the board, is an accountant in Alexandria. Sullivan, who most recently was president of the National Bank of Commerce, is president and chief executive officer.

The opening came after the holding company for the new bank, Bankshares 2000 Inc., completed the largest capital-raising drive for any bank in the Washington area. Bankshares 2000 raised $6,825,710 in its initial public stock offering of $10 a share, nearly double the $3.5 million it needed to get federal approval, Sullivan said.

The bank is currently holding discussions with two local brokerage houses, Johnston, Lemon Inc. and Ferris & Co., about having them become traders of the stock.

"One of the reasons we got so much stock is all the buyouts that took place during the summer," said Sullivan, referring to the spate of recent bank mergers and the favorable investment environment they have created.

The large initial capitalization, Sullivan said, would allow the bank to grow without having to raise additional capital when assets reach, for example, $100 million. Similarly, the bank, which plans to cater to small business, will have greater loan capital as a result of the success of its initial offering.

One of the bank's largest investors is Washington Bancorp, which purchased a 4.9 percent interest. "We think it's a good investment," said Luther H. Hodges Jr., chairman of Washington Bancorp, the holding company for National Bank of Washington. With Bank 2000, he added, "we have a close ally in the banking deposit business where NBW is in the lending business. . . . It provides us with business opportunities."

Armed with some unusual marketing ideas and banking services, Bank 2000 hopes to woo clients in a specialized segment of the market. Sullivan said he is targeting professionals with an average family income of $70,000 and businesses with annual revenue in the $10 million to $30 million range. It plans to serve Fairfax, Arlington and Montgomery counties.

Customers will be offered tiered accounts, with money-market interest rates paid on deposits over $5,000. Accounts under $2,000 will incur a monthly service charge of $25. The bank also plans to offer self-directed Individual Retirement Accounts; a discount brokerage; executive credit lines; home equity loans to individuals, and business loans for working capital and equipment.

Sullivan said the bank will have regular, 9-to-5 business hours, with banking by appointment after 2 p.m. Customers will be greeted by a receptionist, introduced to "customer service reps" instead of tellers, and will conduct their business seated at a desk rather than at teller windows, he said. The services, he said, are part of its efforts to provide more personalized banking.