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

                                  FORM 10-Q/A

(Mark One)

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

               For the quarterly period ended September 30, 1999

                                       OR

      [ ]   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 33-55254-28

                       FIRST CAPITAL RESOURCES.COM, INC.
             (Exact name of registrant as specified in its charter)


            NEVADA                                               87-0438641
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                              Identification No.)


1400 East Oakland Park Drive, Suite 100
Fort Lauderdale, Florida                                           33334
(Address of principal executive office)                          (Zip Code)

                                 (954) 568-3989
             (Registrant's telephone number, including area code)


         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. Yes X No _

         Indicate the number of shares outstanding of each of the issuer's
classes of common stock, as of the latest practicable date.

           Class                            Outstanding as of November 19, 1999

Common Stock, par value $0.001                          11,082,500
------------------------------              -----------------------------------



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                       FIRST CAPITAL RESOURCES.COM, INC.

                                     INDEX


Part I.  Financial Information                                           Page #

Item 1.  Financial Statements

Condensed consolidated balance sheet - September 30, 1999                  3
           and December 31, 1998

Condensed consolidated statement of operations - Nine months               4
           ended September 30, 1999, and three month periods
           ended June 30, 1999 and September 30, 1999

Consolidated statement of changes in stockholders' equity -                5
           Nine months ended September 30, 1999

Consolidated statement of cash flows - Nine months ended
           September 30, 1999                                            6 - 7

Notes to condensed consolidated financial statements                     8 - 9

Item 2.  Management's Discussion and Analysis                           10 - 11

Part II.  Other Information                                               11

Signatures                                                                12



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                         PART I. FINANCIAL INFORMATION

Item I.  Financial Statements

                       FIRST CAPITAL RESOURCES.COM, INC.
                CONDENSED CONSOLIDATED BALANCE SHEET (UNAUDITED)
                    SEPTEMBER 30, 1999 and December 31, 1998

<TABLE>
<CAPTION>

                                                  September 30, 1999   December 31, 1998
                                                      (Unaudited)         (Unaudited)
                                                  ------------------   -----------------
<S>                                                  <C>                  <C>

ASSETS:
Cash                                                 $   600,180           $   124,268
Inventory                                                134,398                86,901
Finance receivables, net                               1,657,265                    --
Floor plan receivable, net                             2,725,514               402,780
Notes receivable, net                                    580,700                20,000
Prepaid compensation                                     292,096                    --
Advances to employees
   and consultants (Note 3)                               83,286
Property and equipment, net                              651,246               604,359
Other assets                                             160,190                 1,332
                                                     -----------           -----------

TOTAL ASSETS                                         $ 6,884,875           $ 1,239,640
                                                     ===========           ===========



LIABILITIES AND STOCKHOLDERS' EQUITY:
Liabilities:
Accounts payable and
   accrued liabilities                               $   127,523           $        --
Mortgage note payable                                    190,846               196,600
Due to parent company                                  5,026,673             1,047,752
                                                     -----------           -----------

Total Liabilities                                    $ 5,345,042           $ 1,244,352
                                                     -----------           -----------

Stockholders' equity:
Common stock, par value $.001 per share;
   100,000,000 shares authorized,
   11,082,500 shares issued and outstanding               11,083                 2,000
Additional paid-in capital                             1,950,908                    --
Retained earnings                                       (422,158)               (6,712)
                                                     -----------           -----------

Total stockholders' equity                           $ 1,539,833           $    (4,712)
                                                     -----------           -----------


TOTAL LIABILITIES AND
   STOCKHOLDERS' EQUITY                              $ 6,884,875           $ 1,239,640
                                                     ===========           ===========

</TABLE>



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                       FIRST CAPITAL RESOURCES.COM, INC.
           CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)

<TABLE>
<CAPTION>

                                            Nine-months          Three-months          Three-months
                                               Ended                Ended                 Ended
                                          Sept. 30, 1999        June 30, 1999        Sept. 30, 1999
                                          --------------        -------------        --------------
<S>                                       <C>                   <C>                  <C>

REVENUES:
Loan interest and fee income               $   778,922           $   240,949          $    404,610
Automobile sales                               367,066               168,335                22,128
Telemarketing income                            86,845                    --                86,845
                                           -----------           -----------          ------------

Total revenues                             $ 1,232,833           $   409,284          $    513,583
                                           -----------           -----------          ------------


EXPENSES:
Provision for credit losses                $   110,000                    --          $    100,000
Cost of automobile sales                       316,915               172,114                20,015
Salaries and consultant fees                   487,528               129,226               256,530
Reserve for receivables (Note3                 262,000                    --               262,000
G & A expenses                                 471,836                74,948               332,135
                                           -----------           -----------          ------------

Total expenses                             $ 1,648,279           $   376,288          $    970,680
                                           -----------           -----------          ------------


Income (loss)
   before income taxes                     $  (415,446)          $    32,996          $   (457,097)
Income tax expense                                  --                    --                    --
                                           -----------           -----------          ------------

Net income                                 $  (415,446)          $    32,996          $   (457,097)
                                           ===========           ===========          ============

Net income (loss) per share                $    (0.054)          $     0.003          $     (0.041)

Weighted average number of shares
   outstanding                               7,718,778            11,000,000            11,082,500

</TABLE>



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                       FIRST CAPITAL RESOURCES.COM, INC.
            STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED)
                      NINE MONTHS ENDED SEPTEMBER 30, 1999

<TABLE>
<CAPTION>

                                     Number of            Common             Additional             Retained
                                      Shares               Stock           paid-in capital          earnings              Total
                                    ----------           ---------           -----------           ---------           -----------
<S>                                 <C>                  <C>                 <C>                   <C>                 <C>

Balance at
   January 1, 1999                   1,000,000           $   2,000           $        --           $  (6,712)          $    (4,712)

Acquisition of
   net assets of
   First Capital
   Resources.Com (1)                10,000,000               9,000                (9,000)                 --                    --

Contributed capital (2)                     --                  --             1,912,966                  --             1,912,966

Acquisition of assets
   of American Marketing
   of South Florida, Inc. (3)           82,500                  83                46,942                                    47,025

Net income                                                                                          (415,446)             (415,446)
                                    ----------           ---------           -----------           ---------           -----------

Balances -
  September 30, 1999                11,082,500           $  11,083           $ 1,950,908           $(422,158)          $ 1,539,833
                                    ==========           =========           ===========           =========           ===========

</TABLE>

(1)  Relates to the exchange of common stock of First Capital Resources.Com for
     the stock of Affordable, Southeast and Carnet at $.047 per share. Note
     that these transactions were pursuant to reverse acquisitions, and were
     considered to be capital transactions, rather than business combinations.
     Accordingly, the transactions were treated for accounting purposes as a
     recapitalization.


(2)  Contributed by FACT South LLC (the Parent Company)


(3)  Issued in conjunction with the acquisition of certain assets of American
     Marketing of South Florida, Inc. at $0.57 per share.



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                       FIRST CAPITAL RESOURCES.COM, INC.
                      STATEMENT OF CASH FLOWS (UNAUDITED)
                      NINE MONTHS ENDED SEPTEMBER 30, 1999

<TABLE>
<S>                                                                                      <C>

CASH FLOWS FROM OPERATING ACTIVITIES:
           Net income                                                                    $  (415,446)
                                                                                         -----------

Adjustments to reconcile net loss to net cash provided by operating activities:
           Depreciation                                                                      112,696
           Provision for losses on advances                                                  262,000
           Provision for finance credit losses                                               110,000
           Increase in:
              Inventory                                                                      (47,497)
              Advances to employees                                                         (345,286)
              Prepaid compensation                                                          (292,096)
              Other assets                                                                  (111,834)
              Accounts payable and accrued liabilities                                       127,524
                                                                                         -----------

Total adjustments                                                                           (184,493)
                                                                                         -----------

           Net cash used in operating activities                                            (599,939)
                                                                                         -----------

CASH FLOWS FROM INVESTING ACTIVITIES:
           Increase in notes receivable                                                     (560,700)
           Purchase of finance contracts, net                                             (1,632,363)
           Increase in floor plan receivables                                             (2,322,734)
           Capital expenditures                                                              (91,107)
                                                                                         -----------

           Net cash used in investing activities                                          (4,606,904)
                                                                                         -----------


CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from the issuance of common stock                                                     1,000
Net amount advanced by parent                                                              5,026,673
Repayment of notes payable                                                                    (5,754)
Cash contributed by parent company                                                           660,836
                                                                                         -----------

           Net cash provided by financing activities                                       5,682,755
                                                                                         -----------

</TABLE>



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<TABLE>
<S>                                                                                      <C>

NET INCREASE IN CASH                                                                     $   475,912
                                                                                         -----------

CASH BALANCE - December 31, 1998                                                             124,268
                                                                                         -----------

CASH BALANCE - September 30, 1999                                                            600,180
                                                                                         -----------

Supplemental Disclosures of Non-Cash Transactions:

Land and building acquired from Parent Company,
   net of related Mortgage of $196,600 in exchange for debt                                  103,400
                                                                                         -----------

Note receivable assigned by Parent Company, in exchange for debt                              20,000
                                                                                         -----------

Conversion of debt owed to Parent Company to equity                                        1,047,752
                                                                                         -----------

Property and equipment contributed to capital                                                134,902
                                                                                         -----------

Finance contracts contributed to capital                                                      68,476
                                                                                         -----------

Issuance of stock for the acquisition of telemarketing operation                              47,025
                                                                                         -----------

</TABLE>



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                         NOTES TO FINANCIAL STATEMENTS


1.       BASIS OF PRESENTATION

The accompanying condensed consolidated (unaudited) financial statements of
First Capital Resources.com, Inc., have been prepared in accordance with the
instructions to form 10-Q and, therefore, do not include all information and
footnotes necessary for a complete presentation of financial position, results
of operations, cash flows and changes in stockholders' equity in conformity
with generally accepted accounting principles. These financial statements do
not include a statement of operations or a statement of cash flows for the
comparable period of the preceding fiscal year as there were no assets or
operations in the comparable period of the previous fiscal year and a
comparison would not be meaningful.

In the opinion of management, all adjustments considered necessary for a fair
presentation of the results of operations and financial position have been
included and all such adjustments are of a normal recurring nature. Operating
results for the quarter ended September 30, 1999, are not necessarily
indicative of the results that can be expected for the year ended December 31,
1999. These financial statements should be read in conjunction with the audited
financial statements of Affordable Dealer Services, Inc. (Affordable) and
Southeast Dealer Acceptance, Inc. (Southeast) and notes thereto for the periods
ending December 31, 1998 and March 31, 1999, respectively, included in the
Company's form 8-K/A filed with the Securities and Exchange Commission.

2.       SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of consolidation - The condensed consolidated financial statements
include First Capital Resources.com, Inc., and its subsidiaries Affordable
Dealer Services, Inc. (Affordable), Southeast Dealer Acceptance, Inc.
(Southeast), Carnet, Inc. (Carnet) and American Marketing, Inc. All material
intercompany accounts and transactions have been eliminated.


3.       ADVANCES TO EMPLOYEES AND CONSULTANTS

The Company loaned money to officers, directors, and employees. A reserve has
been established in the amount of $ 127,000 against an unsecured note and
advances to a former officer and director, and an additional $ 135,000 against
an advance to a former consultant of the Company.


4.       ACQUISITIONS AND DISPOSALS

On July 1, 1999, the Company purchased the operating assets of American
Marketing of South Florida, Inc. for $ 100,000 in cash, 82,500 shares of common
stock, and agreed to provide $25,000 in services to the former owner.



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On July 5, 1999, the Company sold the operation of CarNet, Inc., including
certain assets to an unrelated third party in exchange for a $80,000 promissory
note. The note bears interest at 10% and calls for monthly interest-only
payments for the first year (commencing September 1, 1999) and then monthly
principal and interest payments of $2,029 for the following 48 months.
Approximately $195,000 of Carnet's inventory and related debt were excluded
from this sale, and were retained by the Company.



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


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


RESULTS OF OPERATIONS

Net revenues increased by 25%, or $104,299 to $513,583 for the quarter ended
September 30, 1999 as compared to $409,284 for the quarter ended June 30, 1999.
This increase was due primarily to an increase in the number of dealers
serviced and the acquisition of the operating assets and operation of American
Marketing.

Net expenses increased by 158%, or $594,392 to $970,680 for the quarter ended
September 30, 1999 as compared to $376,288 for the quarter ended June 30, 1999.
This increase relates to additional reserves required for floor plan
receivables and employee/consultant advances, and the addition of the
telemarketing operation.

Net income/loss decreased $490,093 to a loss $457,097 for the quarter ended
September 30, 1999 as compared to income of $32,996 for the quarter ended June
30, 1999. This loss relates primarily to the acquisition of the telemarketing
operations, a loss of $92,000, the reserves required for advances to a former
officer and advances to a former consultant, $ 262,000, and additional
financing reserves, $100,000 in the third quarter.

LIQUIDITY AND CAPITAL RESOURCES

Since the Company's inception, it has started a network of used car dealers
interested in obtaining inventory financing for its floor plan operation. The
Company has also used this network for purchasing automotive financing paper.
The primary source of capital has been from infusions from First American
Capital Trust through Fact South, LLC, the Company's parent. First American
Capital Trust has filed for bankruptcy protection on 9/30/99. As of September
30, 1999, Fact South, LLC has contributed $1,903,966 into the Company and has
advanced to the Company an additional $5,026,673. As of this time, the Company
does not anticipate any additional funding from its parent. Any future
expansion of the Company's operations will require alternate funding sources.


IMPACT OF THE "YEAR 2000" COMPUTER ISSUE

The Company has undertaken a review of its exposure to computer malfunctions
relating to the year 2000 ("Y2K"). The Y2K issue exists because many computer



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systems and applications currently use two digit date fields to designate a
year. As the century date change occurs, date sensitive systems may recognize
the year 2000 as 1900 or not recognize the year at all. This inability to
recognize or properly treat the Y2K issue may cause systems to process critical
financial and operational information incorrectly.

The Company has several systems that it considers critical to operations
including the finance company software, floor plan software and financial
accounting software. The Company is in the process of evaluating all of these
systems to determine the specific risks related to the year 2000 and intends to
implement any necessary changes to these systems.


                          PART II - OTHER INFORMATION

Item 1.  Legal Proceedings

None


Item 2.  Changes in Securities and Use of Proceeds

None

Item 3.  Defaults Upon Senior Securities

None

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 required by Item 601 of Regulation S-K

         The following exhibits are followed as part of this report:

         Exhibits:

         27.1     Financial Data Schedule



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SIGNATURES


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 thereunto duly authorized.



                                    First Capital Resources.com, INC.

                                           Registrant





Date: April 7, 2000                        /s/ Derri Davisson
                                           -----------------------------------
                                               Derri Davisson
                                               President


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