UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                    Form 10-Q

(Mark One)

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

For the quarterly period ended:                               March 31, 2001

(  )     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from:      to
Commission file number:                   0-13265

                   UCI MEDICAL AFFILIATES, INC,

               (Exact name of Registrant as specified in its charter)

 Delaware                                      59-2225346
(State or other jurisdiction of incorporation (IRS Employer Identification No.)
          or organization)

1901 Main Street, 12th Floor, Mail Code 1105,
     Columbia, SC 29201 (Address of principal executive offices)
(803) 252-3661
(Registrant's telephone number including area code)

(Former name, address or fiscal year, if changed since last report)

Indicate by check mark whether the Registrant (1) 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. ( X )Yes ( ) No


State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date:

9,650,515 shares of $.05 common stock outstanding at March 31, 2001

<PAGE>


                          UCI MEDICAL AFFILIATES, INC.

                                      INDEX

<TABLE>
<S>              <C>                                                                          <C>

                                                                                                   Page
                                                                                                 Number

PART I            FINANCIAL INFORMATION

                  Item 1   Financial Statements

                  Condensed Consolidated Balance Sheets - March 31, 2001
                           and September 30, 2000                                                  3

                  Condensed Consolidated Statements of Operations for the
                          quarters and the six months ending March 31, 2001 and
                          March 31, 2000                                                           4

                  Condensed Consolidated Statements of Cash Flows for the
                          six months ending March 31, 2001 and March 31, 2000                      5

                           Notes to Condensed Consolidated Financial Statements                   6-7

                  Item 2   Management's Discussion and Analysis of Financial
                           Condition and Results of Operations                                    8-12

                  Item 3   Quantitative and Qualitative Disclosures about Market Risk               13


PART II           OTHER INFORMATION

                  Items 1-6                                                                         14


SIGNATURES                                                                                          15


EXHIBIT INDEX                                                                                       16
</TABLE>

<PAGE>







                          UCI MEDICAL AFFILIATES, INC.
                      CONDENSED CONSOLIDATED BALANCE SHEETS
<TABLE>
<S>                                                                 <C>                    <C>

                                                                       March 31, 2001       September 30, 2000
                                                                     -------------------    -----------------------
                                                                          (unaudited)
Assets
Current assets
   Cash and cash equivalents                                                 $  365,310                 $  302,927
   Accounts receivable, less allowance for doubtful accounts
       of approximately $1,431,000 and $1,549,000                             5,939,250                  6,958,745
   Inventory                                                                    623,497                    623,497
   Prepaid expenses and other current assets                                  1,170,873                    933,130
                                                                     -------------------    -----------------------
Total current assets                                                          8,098,930     ----------------------
                                                                                                         8,818,299

Property and equipment, less accumulated depreciation of
   $6,581,689 and $6,035,106                                                  4,068,144                  4,326,093
Excess of cost over fair value of assets acquired, less
   accumulated amortization of $2,833,224 and $2,616,455                      4,378,921                  4,595,690
Other assets                                                                     40,386                     41,500
                                                                     -------------------    -----------------------
Total Assets                                                               $ 16,586,381                $17,781,582
                                                                     ===================    =======================

Liabilities and Stockholders' Equity
Current liabilities
   Book overdraft                                                            $  952,229                $ 1,184,257
   Current portion of long-term debt                                          6,211,027                  6,489,280
   Accounts payable                                                           2,308,121                  3,511,545
   Accrued salaries and payroll taxes                                         3,051,583                  2,544,102
   Other accrued liabilities                                                  1,194,963     ----------------------
                                                                                                         1,318,362
                                                                                            -----------------------
                                                                     -------------------
Total current liabilities                                                    13,717,923                 15,047,546

Long-term debt, net of current portion                                        2,239,508                  2,463,034
                                                                     -------------------    -----------------------
Total Liabilities                                                            15,957,431                 17,510,580
                                                                     -------------------    -----------------------

Commitments and contingencies

Stockholders' Equity
   Preferred stock, par value $.01 per share:
      Authorized shares - 10,000,000; none issued                                     0                          0
   Common stock, par value $.05 per share:
      Authorized shares - 50,000,000
      Issued and outstanding- 9,650,515 and 9,650,515 shares                    482,526                    482,526
   Paid-in capital                                                           21,723,628                 21,723,628
   Accumulated deficit                                                     (21,577,204)               (21,935,152)
                                                                     -------------------    -----------------------
Total Stockholders' Equity                                                      628,950                    271,002
                                                                     -------------------    -----------------------
Total Liabilities and Stockholders' Equity                                  $16,586,381               $ 17,781,582
                                                                     ===================    =======================

</TABLE>

       The accompanying notes are an integral part of these condensed
consolidated financial statements.


<PAGE>



                               UCI MEDICAL AFFILIATES, INC.
                   CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
                                    (unaudited)
<TABLE>
<S>                                                  <C>                 <C>                <C>                   <C>

                                                        Three Months Ended March 31,             Six Months Ended March 31,
                                                     -----------------------------------    -------------------------------------
                                                          2001                2000               2001                 2000
                                                     ----------------    ---------------    ---------------      ----------------

Revenues                                                 $10,070,974        $10,768,006        $19,512,636           $20,966,855
Operating costs                                            8,946,422         10,853,170         17,568,771            20,071,979
                                                     ----------------    ---------------    ---------------      ----------------
Operating margin (deficit)                                 1,124,552           (85,164)          1,943,865               894,876

General and administrative expenses                           16,620             22,500             26,278                48,342
Impairment of goodwill                                             0          3,567,376                  0             3,567,376
Depreciation and amortization                                383,317            470,729            763,355               936,877
                                                     ----------------    ---------------    ---------------      ----------------
Income (loss) from operations                                724,615        (4,145,769)          1,154,232           (3,657,719)

Other income (expense)
   Interest expense, net of interest income                (434,718)          (551,923)          (796,284)             (889,853)
                                                     ----------------    ---------------    ---------------      ----------------
Other income (expense)                                     (434,718)          (551,923)          (796,284)             (889,853)

Income (loss) before benefit (provision )for
   income taxes                                              289,897        (4,697,692)            357,948           (4,547,572)
Benefit (provision )for income taxes                               0                  0                  0                     0
                                                     ----------------    ---------------    ---------------      ----------------

Net income (loss)                                          $ 289,897       $(4,697,692)          $ 357,948          $(4,547,572)
                                                                         ===============    ===============      ================
                                                     ================

Basic earnings (loss) per share                             $    .03          $   (.49)           $    .04             $   (.47)
                                                     ================    ===============    ===============      ================

Basic weighted average common shares
   outstanding                                             9,650,515          9,650,515          9,650,515             9,650,515
                                                     ================    ===============

Diluted earnings (loss) per share                           $    .03          $   (.49)           $    .04             $   (.47)
                                                     ================    ===============

Diluted weighted average common shares
===================================================        9,653,503          9,657,675     ==============       ===============
  outstanding                                                                                    9,654,178             9,657,473
                                                     ================    ===============
</TABLE>

       The accompanying notes are an integral part of these condensed
consolidated financial statements.




<PAGE>


                                      UCI MEDICAL AFFILIATES, INC.
                            CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                              (unaudited)
<TABLE>
<S>                                                              <C>                   <C>
                                                                       Six Months Ended March 31,
                                                                 ----------------------------------------
                                                                       2001                  2000
                                                                 ------------------    ------------------
Operating activities:
Net income (loss)                                                       $  357,948          $(4,547,572)
Adjustments to reconcile net income (loss) to net
   cash provided by  (used in) operating activities:
      Provision for losses on accounts receivable                          767,013             1,582,904
      Depreciation and amortization                                        763,355               936,877
      Impairment of goodwill                                                     0             3,567,376
Changes in operating assets and liabilities:
   (Increase) decrease in accounts receivable                              252,482             (880,779)
   (Increase) decrease in prepaid expenses and other
      current assets                                                     (239,665)             (119,488)
   Increase (decrease) in accounts payable and accrued
      expenses                                                           (817,421)               844,655
                                                                                       ------------------
                                                                 ------------------

Cash provided by (used in) operating activities                          1,083,712             1,383,973
                                                                 ------------------    ------------------

Investing activities:
Purchases of property and equipment                                      (288,636)             (576,956)
(Increase) decrease in other assets                                          1,114                     0
                                                                                       ------------------
                                                                 ------------------

Cash provided by (used in) investing activities                          (287,522)             (576,956)
                                                                 ------------------    ------------------

Financing activities:
Net borrowings (payments) under line-of-credit agreement                  (60,104)             (426,613)
Increase (decrease) in book overdraft                                    (232,028)               513,629
Payments on long-term debt                                               (441,675)             (691,064)
                                                                 ------------------    ------------------

Cash provided by (used in) financing activities                          (733,807)             (604,048)
                                                                 ------------------    ------------------

Increase (decrease) in cash and cash equivalents                            62,383               202,969
Cash and cash equivalents at beginning of period                           302,927                66,159
                                                                 ------------------    ------------------
                                                                 ------------------

Cash and cash equivalents at end of period                              $  365,310             $ 269,128
                                                                 ==================    ==================
</TABLE>

       The accompanying notes are an integral part of these condensed
consolidated financial statements.

<PAGE>


                          UCI MEDICAL AFFILIATES, INC.

              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                   (unaudited)



BASIS OF PRESENTATION:

The accompanying unaudited condensed consolidated financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-Q and Article 10 of
Regulation S-X of the Securities and Exchange Commission. Accordingly, they do
not include all of the information and footnotes required by generally accepted
accounting principles for complete financial statements. In the opinion of
management, all adjustments (consisting only of those of a normal recurring
nature) considered necessary for a fair presentation have been included.
Operating results for the three-month and six-month periods ended March 31, 2001
are not necessarily indicative of the results that may be expected for the
fiscal year ending September 30, 2001. For further information, refer to the
audited consolidated financial statements and footnotes thereto included in the
Company's annual report on Form 10-K for the year ended September 30, 2000.

The consolidated financial statements include the accounts of UCI Medical
Affiliates, Inc. ("UCI"), UCI Medical Affiliates of South Carolina, Inc.
("UCI-SC"), UCI Medical Affiliates of Georgia, Inc. ("UCI-GA"), Doctor's Care,
P.A., Doctor's Care of Georgia, P.C., and Doctor's Care of Tennessee, P.C. (the
three together as the "P.A."). (As used herein, the term "Company" refers to
UCI, UCI-SC, UCI-GA, and the P.A., collectively.) Because of the corporate
practice of medicine laws in the states in which the Company operates, the
Company does not own medical practices but instead enters into an exclusive
long-term management services agreements with the P.A. which operate the medical
practices. Consolidation of the financial statements is required under Emerging
Issues Task Force (EITF) 97-2 as a consequence of the nominee shareholder
arrangement that exists with respect to each of the P.A.'s. In each case, the
nominee (and sole) shareholder of the P.A. has entered into an agreement with
UCI-SC or UCI-GA, as applicable, which satisfies the requirements set forth in
footnote 1 of EITF 97-2. Under the agreement, UCI-SC or UCI-GA, as applicable,
in its sole discretion, can effect a change in the nominee shareholder at any
time for a payment of $100 from the new nominee shareholder to the old nominee
shareholder, with no limits placed on the identity of any new nominee
shareholder and no adverse impact resulting to any of UCI-SC, UCI-GA or the P.A.
resulting from such change.

In addition to the nominee shareholder arrangements described above, each of
UCI-SC and UCI-GA has entered into Administrative Service Agreements with the
P.A.'s. As a consequence of the nominee shareholder arrangements and the
Administrative Service Agreements, the Company has a long-term financial
interest in the affiliated practices of the P.A.'s. Through the Administrative
Services Agreement, the Company has exclusive authority over decision making
relating to all major on-going operations. The Company establishes annual
operating and capital budgets for the P.A. and compensation guidelines for the
licensed medical professionals. The Administrative Services Agreements have an
initial term of forty years. According to EITF 97-2, the application of FASB
Statement No. 94 (Consolidation of All Majority-Owned Subsidiaries), and APB No.
16 (Business Combinations), the Company must consolidate the results of the
affiliated practices with those of the Company. All significant intercompany
accounts and transactions are eliminated in consolidation, including management
fees.

The method of computing the management fees is based on billings of the
affiliated practices less the amounts necessary to pay professional compensation
and other professional expenses. In all cases, these fees are meant to
compensate the Company for expenses incurred in providing covered services, plus
a profit. These interests are unilaterally salable and transferable by the
Company and fluctuate based upon the actual performance of the operations of the
professional corporation.

The P.A. enters into employment agreements with physicians for terms ranging
from one to ten years. All employment agreements have clauses that allow for
early termination of the agreement if certain events occur such as the loss of a
medical license.

The preparation of financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions that
affect the reported amounts of assets and liabilities and revenues and expenses
and the disclosure of contingent assets and liabilities. Actual results could
differ from those estimates and assumptions. Significant estimates are discussed
in the footnotes, as applicable, of the Form 10-K for the year ended September
30, 2000.

The inventory of medical supplies and drugs is carried at the lower of average
cost (first in, first out) or market. The volume of supplies carried at a center
varies very little from month to month and management, therefore, does only an
annual physical inventory count and does not maintain a perpetual inventory
system.

The Company has no items of other comprehensive income; thus, comprehensive
income and net income are the same.

The Company operates as one segment.


EARNINGS PER SHARE

The computation of basic earnings (loss) per share and diluted earnings (loss)
per share is in conformity with the provisions of Statement of Financial
Accounting Standards No. 128.


GOING CONCERN MATTERS

The accompanying financial statements have been prepared on a going concern
basis, which contemplates the realization of assets and the satisfaction of
liabilities in the normal course of business. As shown in the financial
statements, the Company has a working capital deficiency and an accumulated
deficit. Ultimately, the Company's viability as a going concern is dependent
upon its ability to continue to generate positive cash flows from operations,
maintain adequate working capital and obtain satisfactory long-term financing.

The financial statements do not include any adjustments relating to the
recoverability and classification of assets and liabilities that might be
necessary should the Company be unable to continue as a going concern. The
Company plans include the following, although it is not possible to predict the
ultimate outcome of the Company's efforts.

The closure of the Atlanta centers, which were unprofitable, had an immediate
positive effect on the Company in the fourth quarter of fiscal year 2000 and
continued into the first six months of fiscal year 2001. This improvement is
expected to continue into fiscal year 2001 and beyond. However, there can be no
assurances that such improvement will occur.



<PAGE>


                                     PART I

                              FINANCIAL INFORMATION

                                     ITEM 2


MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
RESULTS OF OPERATIONS

The following discussion and analysis provides information which the Company
believes is relevant to an assessment and understanding of the Company's
consolidated results of operations and financial condition. This discussion
should be read in conjunction with the consolidated financial statements and
notes thereto.

The consolidated financial statements of the Company include the accounts of
UCI, UCI-SC, UCI-GA and the P.A.'s. Such consolidation is required under
Emerging Issues Task Force (EITF) 97-2 as a consequence of the nominee
shareholder arrangement that exists with respect to each of the PA's. In each
case, the nominee (and sole) shareholder of the P.A. has entered into an
agreement with UCI-SC or UCI-GA, as applicable, which satisfies the requirements
set forth in footnote 1 of EITF 97-2. Under the agreement, UCI-SC or UCI-GA, as
applicable, in its sole discretion, can effect a change in the nominee
shareholder at any time for a payment of $100 from the new nominee shareholder
to the old nominee shareholder, with no limits placed on the identity of any new
nominee shareholder and no adverse impact resulting to any of UCI-SC, UCI-GA or
the P.A. resulting from such change.

In addition to the nominee shareholder arrangements described above, each of
UCI-SC and UCI-GA has entered into Administrative Service Agreements with the
P.A.'s. As a consequence of the nominee shareholder arrangements and the
Administrative Service Agreements, the Company has a long-term financial
interest in the affiliated practices of the P.A.'s. According to EITF 97-2, the
application of FASB Statement No. 94 (Consolidation of All Majority-Owned
Subsidiaries), and APB No. 16 (Business Combinations), the Company must
consolidate the results of the affiliated practices with those of the Company.

The P.A.'s enter into employment agreements with physicians for terms ranging
from one to ten years. All employment agreements have clauses that allow for
early termination of the agreement if certain events occur such as the loss of a
medical license. Over 79% of the physicians employed by the P.A.'s are paid on
an hourly basis for time scheduled and worked at the medical centers. The other
physicians are salaried. Approximately 25 of the physicians have incentive
compensation arrangements; however, no amounts were accrued or paid during the
Company's three prior fiscal years that were significant. Any incentive
compensation is based upon a percentage of non-ancillary collectible charges for
services performed by a provider. Percentages range from 3% to 17% and vary by
individual employment contract. As of March 31, 2001 and 2000, the P.A.'s
employed 122 and 121 medical providers, respectively.

The net assets of the P.A.'s are not material for any period presented, and
intercompany accounts and transactions have been eliminated.

The Company does not allocate all indirect costs incurred at the corporate
offices to the Centers on a center-by-center basis. Therefore, all discussions
below are intended to be in the aggregate for the Company as a whole.

Results of Operations
For the Three Months Ended March 31, 2001 as Compared to the Three Months
Ended March 31, 2000
-------------------------------------------------------------------------

UCI provides nonmedical management and administrative services for a network of
34 freestanding medical centers (the "Centers"), 32 of which are located
throughout South Carolina and two are located in Knoxville, Tennessee (28
operating as Doctor's Care in South Carolina, two as Doctor's Care in Knoxville,
Tennessee, and four as Progressive Physical Therapy Services in South Carolina).

Revenues of $10,071,000 for the quarter ended March 31, 2001 reflect a decrease
of $697,000 or 6% from those of the quarter ended March 31, 2000. Of this
decrease $623,000 is related to the closure of the company's Atlanta centers to
be discussed below.

The Company continually evaluates the operations of its physician practice
centers and assesses the centers for impairment when certain indicators of
impairment are present. In May 2000, the Company announced its intention to
close its seven Georgia physician practice centers effective June 30, 2000. The
performance of these centers, which were originally acquired in May 1998, did
not meet the expectations of the Company during fiscal year 2000 and the Company
was no longer committed to the Georgia market. The Company sold the property and
equipment at these centers for an amount approximating the net book value of the
fixed assets or transferred the property and equipment to other Company
locations. The long-lived assets and related goodwill for these centers was
assessed for impairment under a held for use model as of March 31, 2000. As a
result of the decision to close these centers coupled with the fact that the
remaining projected undiscounted cash flows were less than the carrying value of
the long-lived assets and goodwill for these centers, the Company recorded an
impairment in the quarter ended March 31, 2000 of approximately $3,567,000 to
reduce the goodwill to its fair value.

This decrease in revenue is primarily the result of the decrease in the number
of centers in operation from 41 locations at March 31, 2000 to 34 at March 31,
2001. Patient encounters decreased to approximately 121,000 in the second
quarter of fiscal year 2001 from 134,000 in the second quarter of fiscal year
2000.

During the past three fiscal years, the Company has continued its services
provided to members of HMOs. In these arrangements, the Company, through the
P.A., acts as the designated primary caregiver for members of HMOs who have
selected one of the Company's centers or providers as their primary care
provider. In fiscal year 1994, the Company began participating in an HMO
operated by Companion HealthCare Corporation ("CHC"), a wholly owned subsidiary
of Blue Cross Blue Shield of South Carolina ("BCBS"). BCBS, through CHC, is a
primary stockholder of UCI. Including its arrangement with CHC, the Company now
participates in four HMOs and is the primary care "gatekeeper" for more than
18,000 lives at March 31, 2001. As of March 31, 2001, all of these HMO's use a
discounted fee-for-service basis for payment. HMOs do not, at this time, have a
significant penetration into the South Carolina market. The Company is not
certain if there will be growth in the market share of HMOs in the areas in
which it operates clinics.

Sustained revenues in the South Carolina and Tennessee centers in fiscal years
2001 and 2000 also reflect the Company's heightened focus on occupational
medicine and industrial health services (these revenues are referred to as
"employer paid" on the table below). Focused marketing materials, including
quarterly newsletters for employers, were developed to spotlight the Company's
services for industry. Approximately 25% of the Company's total revenues were
derived from these occupational medicine services in both 2001 and 2000.

The following table breaks out the Company's revenue and patient visits by
revenue source for the second quarter of fiscal years 2001 and 2000.

<TABLE>
<S>     <C>                                                 <C>           <C>            <C>          <C>

                                                                  Percent of                  Percent of
                             Payor                              Patient Visits                 Revenue
        ------------------------------------------------    ------------------------    -----------------------
                                                               2001         2000           2001        2000
                                                            ------------ -----------    ------------ ----------
                                                                17           17             16          16
        Patient Pay
                                                                11           11              7           6
        Employer Paid
                                                                13           13             10          14
        HMO
                                                                 7           6              14          13
        Workers Compensation
                                                                 8           9               6           7
        Medicare/Medicaid
                                                                39           36             40          33
        Managed Care Insurance
                                                                 5           8               7          11
        Other (Commercial Indemnity, Champus, etc.)
</TABLE>

An operating margin of $1,125,000 was earned during the second quarter of fiscal
2001 as compared to an operating deficit of $85,000 for the second quarter of
fiscal 2000. If the Atlanta centers had not been operating in the second quarter
of fiscal year 2000, the operating margin for that quarter would have been
$260,000. The remainder of the improvement was achieved by personnel cost
reductions and a significant improvement in the collection of accounts
receivable which reduced bad debt expense from 7% to 4% of revenue.

Depreciation and amortization expense decreased to $383,000 in the second
quarter of fiscal 2001, down from $471,000 in the second quarter of fiscal 2000.
This decrease reflects higher depreciation expense as a result of leasehold
improvements and equipment upgrades at a number of the Company's medical
centers, offset by a greater reduction in amortization expense for fully
amortized acquisitions and the closure of the Atlanta sites. Interest expense
decreased from $552,000 in the second quarter of fiscal 2000 to $435,000 in the
second quarter of fiscal 2001 primarily as a result of a reduction in long-term
debt due to regularly scheduled principal payments and as a result of the
reduction in interest rates over the past months.

Income tax expense is zero due to the utilization of NOL's accumulated in prior
years.

Going Concern Matters

The accompanying financial statements have been prepared on a going concern
basis, which contemplates the realization of assets and the satisfaction of
liabilities in the normal course of business. As shown in the financial
statements, the Company has a working capital deficiency and an accumulated
deficit. Ultimately, the Company's viability as a going concern is dependent
upon its ability to continue to generate positive cash flows from operations,
maintain adequate working capital and obtain satisfactory long-term financing.

The financial statements do not include any adjustments relating to the
recoverability and classification of liabilities that might be necessary should
the Company be unable to continue as a going concern. The Company plans include
the following, although it is not possible to predict the ultimate outcome of
the Company's efforts.

The closure of the Atlanta centers, which were unprofitable, had an immediate
positive effect on the Company in the fourth quarter of fiscal year 2000 and
continued into the second quarter of fiscal year 2001. This improvement is
expected to continue into fiscal year 2001 and beyond. However, there can be no
assurances that such improvement will occur.

For the Six Months Ended March 31, 2001 as Compared to the Six Months Ended
March 31, 2000
------------------------------------------------------------

Revenues of $19,513,000 reflect a decrease of 7% from the same period in fiscal
year 2000 and is attributable to the Atlanta center closures discussed earlier.
Patient encounters decreased to 240,000 for the six months ended March 31, 2001
from 265,000 for the six months ended March 31, 2000.

The following table breaks out the Company's revenue and patient visits by
revenue source for the six months ended March 31, 2001 and March 31, 2000.

<TABLE>
<S>     <C>                                                 <C>           <C>           <C>           <C>
                                                                  Percent of                  Percent of
                             Payor                              Patient Visits                 Revenue
        ------------------------------------------------    ------------------------    -----------------------
                                                               2001         2000           2001        2000
                                                            ------------ -----------    ------------ ----------
                                                                17           17             16          16
        Patient Pay
                                                                11           11              7           6
        Employer Paid
                                                                13           13             10          14
        HMO
                                                                 7           6              14          13
        Workers Compensation
                                                                 8           9               6           7
        Medicare/Medicaid
                                                                39           36             40          33
        Managed Care Insurance
                                                                 5           8               7          11
        Other (Commercial Indemnity, Champus, etc.)
</TABLE>

An operating margin of $1,944,000 was earned during the six months ended March
31, 2001 as compared to an operating margin of $895,000 for the six months ended
March 31, 2000. If the Atlanta centers had not been operating in the fiscal year
2000, the operating margin for the six months ended March 31, 2000 would have
been $1,449,000. The remainder of the improvement was achieved by personnel cost
reductions and a significant improvement in the collection of accounts
receivable which reduced bad debt expense from 7% to 4% of revenue.

Depreciation and amortization expense decreased to $763,000 in the six months
ended March 31, 2001, down from $937,000 in the six months ended March 31, 2000.
This decrease reflects higher depreciation expense as a result of leasehold
improvements and equipment upgrades at a number of the Company's medical
centers, offset by a greater reduction in amortization expense for fully
amortized acquisitions and the closure of the Atlanta sites. Interest expense
decreased from $890,000 for the six months ended March 31, 2000 to $796,000 for
the six months ended March 31, 2001 primarily as a result of a reduction in
long-term debt due to regularly scheduled principal payments and as a result of
the reduction in interest rates over the past months.

Income tax expense is zero due to the utilization of NOL's accumulated in prior
years.

Financial Condition at March 31, 2001

Cash and cash equivalents increased by $62,000 during the six months ended March
31, 2001 mainly as a result of the timing of cash payments to vendors and salary
payments.

Accounts receivable decreased by $1,020,000 during the six months, reflecting an
improvement in the billing and collection functions and the elimination of the
Atlanta centers.

The reduction in goodwill is attributable to regularly scheduled amortization.

Long-term debt decreased from $8,952,000 at September 30, 2000 to $8,451,000 at
March 31, 2001. Regular principal pay-downs of approximately $442,000 and a
temporary decrease in the Company's line of credit balance were the cause. The
line of credit balance fluctuates daily. Management believes that it will be
able to fund debt service requirements out of cash generated through operations
and does not anticipate the availability of additional debt financing.

Liquidity and Capital Resources

The Company requires capital for working capital needs and for the retirement of
indebtedness. The Company's capital requirements and working capital needs have
been funded through a combination of external financing (primarily bank debt),
and credit extended by suppliers.

The Company has a $4,000,000 bank line of credit with an outstanding
indebtedness of approximately $3,500,000 at March 31, 2001. The availability
under this line of credit is limited by accounts receivable type and age as
defined in the agreement. As of March 31, 2001, the Company had borrowed
approximately the maximum allowable amounts. The line of credit bears interest
at prime plus 2.5% with a maturity of August 2001. The Company intends to renew
the credit facility for another year at essentially the same terms. (Prime rate
was 8.5% at March 31, 2001.) The line of credit is used to fund the working
capital needs of the Company.

As of March 31, 2001, the Company had no material commitments for capital
expenditures and expects to continue to fund any required expenditure from
working capital. There can be no assurance that operations will continue to
provide adequate cash needed in the future.

Operating activities produced $1,084,000 of cash during the six months ended
March 31, 2001, compared with $1,384,000 during the same period in the prior
fiscal year. The reduction in operating cash flow as compared to the prior year
resulted primarily from a reduction in accounts payable and accrued expenses,
partially offset by a reduction in accounts receivable.

Investing activities used only $288,000 in cash during the six months ended
March 31, 2001 to purchase needed equipment to operate existing centers.

Financing activities utilized $734,000 in cash during the six-month period
primarily for debt reduction.

Advisory Note Regarding Forward-Looking Statements

Certain of the statements contained in this PART I, Item 2 (Management's
Discussion and Analysis of Financial Condition and Results of Operations) that
are not historical facts are forward-looking statements subject to the safe
harbor created by the Private Securities Litigation Reform Act of 1995. The
Company cautions readers of this Quarterly Report on Form 10-Q that such
forward-looking statements involve known and unknown risks, uncertainties and
other factors which may cause the actual results, performance or achievements of
the Company to be materially different from those expressed or implied by such
forward-looking statements. Although the Company's management believes that
their expectations of future performance are based on reasonable assumptions
within the bounds of their knowledge of their business and operations, there can
be no assurance that actual results will not differ materially from their
expectations. Factors which could cause actual results to differ from
expectations include, among other things, the difficulty in controlling the
Company's costs of providing healthcare and administering its network of
Centers; the possible negative effects from changes in reimbursement and
capitation payment levels and payment practices by insurance companies,
healthcare plans, government payors and other payment sources; the difficulty of
attracting primary care physicians; the increasing competition for patients
among healthcare providers; possible government regulations negatively impacting
the existing organizational structure of the Company; the possible negative
effects of prospective healthcare reform; the challenges and uncertainties in
the implementation of the Company's expansion and development strategy; the
dependence on key personnel, the ability to successfully integrate the
management structures and consolidate the operations of recently acquired
entities or practices with those of the Company, and other factors described in
this report and in other reports filed by the Company with the Securities and
Exchange Commission.



<PAGE>



                                     ITEM 3


QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

The Company is exposed to changes in interest rates primarily as a result of its
borrowing activities, which includes credit facilities with financial
institutions used to maintain liquidity and fund the Company's business
operations, as well as notes payable to various third parties in connection with
certain acquisitions of property and equipment. The nature and amount of the
Company's debt may vary as a result of future business requirements, market
conditions and other factors. The definitive extent of the Company's interest
rate risk is not quantifiable or predictable because of the variability of
future interest rates and business financing requirements. The Company does not
currently use derivative instruments to adjust the Company's interest rate risk
profile.

Approximately $3,800,000 of the Company's debt at March 31, 2001 was subject to
fixed interest rates and principal payments. Approximately $4,651,000 of the
Company's debt at March 31, 2001 was subject to variable interest rates. Based
on the outstanding amounts of variable rate debt at March 31, 2001, the
Company's interest expense on an annualized basis would increase approximately
$47,000 for each increase of one percent in the prime rate.

The Company does not utilize financial instruments for trading or other
speculative purposes, nor does it utilize leveraged financial instruments.



<PAGE>



                                     PART II

                                OTHER INFORMATION



Item 1            Legal Proceedings

                  The Company is not a party to any pending litigation other
                  than routine litigation incidental to the business or that
                  which is immaterial in amount of damages sought.

Item 2            Changes in Securities

                  This item is not applicable


Item 3            Defaults upon Senior Securities

                  This item is not applicable.

Item 4            Submission of Matters to a Vote of Security Holders

                  This item is not applicable.

Item 5            Other Information

                  This item is not applicable.

Item 6            Exhibits and Reports on Form 8-K

(a)      Exhibits. The exhibits included on the attached Exhibit Index are
filed as part of this report.
         --------

(b)      Reports on Form 8-K.
         -------------------

                      None.



<PAGE>




                                    SIGNATURE



Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


UCI Medical Affiliates, Inc.
         (Registrant)



/s/ M.F. McFarland, III, M.D.                /s/ Jerry F. Wells, Jr., CPA
------------------------------------      -----------------------------------
Marion F. McFarland, III, M.D.              Jerry F. Wells, Jr., CPA
President, Chief Executive Officer,        Executive Vice President of Finance,
and Chairman of the Board                  Chief Financial Officer, and
                                           Principal Accounting Officer




Date:  May 21, 2001


<PAGE>


                          UCI MEDICAL AFFILIATES, INC.
                                  EXHIBIT INDEX


<TABLE>
<S>                  <C>                                                         <C>

 EXHIBIT NUMBER
                                          DESCRIPTION                                       PAGE NUMBER
-----------------    -------------------------------------------------------    ------------------------------------

       27            Financial Data Schedule                                    Filed separately as Article Type 5
                                                                                via Edgar


</TABLE>