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

                                   FORM 10-QSB

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

                For the quarterly period ended September 30, 2005

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934
               For the transition period from ________ to ________
                          Commission file # 333-103647

                                ATM FINANCIAL CORP.
             (Exact Name of Registrant as Specified in its Charter)

                     NEVADA                              98-0393197
           (State or other jurisdiction               (I.R.S. Employer
            of incorporation or organization)          Identification number)

           2533 NORTH CARSON STREET
             CARSON CITY, NEVADA                            89706
       (Address of principal executive offices)          (Zip Code)

                    Issuer's telephone number: (775) 841-7018

           Securities registered under Section 12(b) of the Act: NONE

     Securities registered pursuant to Section 12(g) of the Act:
                        COMMON STOCK, $0.0001 PAR VALUE

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

Indicate by check mark whether the registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act). Yes [ ] No [X]

There were 5,730,700 shares of Common Stock outstanding at September 30, 2005.

Transitional  Small  Business  Disclosure  Format  (Check  one):  Yes [ ] No [X]

<PAGE>
                         PART I -- FINANCIAL INFORMATION

ITEM 1.     FINANCIAL STATEMENTS

                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                                  BALANCE SHEET
                                   (Unaudited)
                            (Stated in U.S. Dollars)


<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------
                                                                    SEPTEMBER 30   DECEMBER 31
                                                                            2005          2004
-------------------------------------------------------------------------------------------
<S>                                                                 <C>            <C>
ASSETS

Current
     Cash                                                           $ 127,118      $       42
     Equipment                                                          2,999           2,999
----------------------------------------------------------------------------------------------

Total Assets                                                          130,117           3,041
----------------------------------------------------------------------------------------------

LIABILITIES

Current Liabilities
     Accounts payable and accrued liabilities                       $  28,575      $   45,810
     Notes payable to related parties, current portion (Note 3)             -          14,785
----------------------------------------------------------------------------------------------

Total Current Liabilities                                              28,575          60,595

Notes Payable To Related Parties (Note 3)                                   -           1,650
----------------------------------------------------------------------------------------------

Total Liabilities                                                      28,575          62,245
----------------------------------------------------------------------------------------------

STOCKHOLDERS' DEFICIENCY

Share Capital
     Authorized:
          100,000,000 common shares, par value $0.0001 per share
     Issued and outstanding:
          5,730,700 common shares                                         573            400
          (December 31, 2004 - 4,000,000)

Additional Paid-In Capital                                            172,897              -

(Deficit) Accumulated During the Development Stage                    (71,928)       (59,604)
----------------------------------------------------------------------------------------------

Total Stockholders' Equity (Deficit)                                  101,542        (59,204)
----------------------------------------------------------------------------------------------

Total Liabilities and Stockholders' Deficiency                      $ 130,117      $   3,041
----------------------------------------------------------------------------------------------
</TABLE>

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

<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                             STATEMENT OF OPERATIONS
                                   (Unaudited)
                            (Stated in U.S. Dollars)


<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------
                                                                                                                   CUMULATIVE
                                                                                                                  PERIOD FROM
                                                                                                                    INCEPTION
                                                                                                                  DECEMBER 18
                                                            THREE MONTHS ENDED             NINE MONTHS END            2002 TO
                                                                SEPTEMBER 30                 SEPTEMBER 30        SEPTEMBER 30
                                                            2005         2004             2005         2004              2005
------------------------------------------------------------------------------------------------------------------------------
<S>                                                   <C>          <C>               <C>          <C>            <C>
Expenses
     Bank and financing charges                       $       25   $        -        $     309    $       -      $     2,011
     Consulting                                                -            -                -            -           20,000
     Interest                                                  -          125              121          355              917
     License payment                                           -            -                -            -            1,000
     Office and sundry                                     2,378           32            5,209           32            8,131
     Professional fees                                       372          337            9,198        2,472           25,943
     Rent                                                      -        2,850            5,700        8,550           25,650
     Transfer and filing fees                                  -            -            2,440            -            2,440
------------------------------------------------------------------------------------------------------------------------------

Loss Before Other Income                                   2,775        3,604           22,977       11,409           86,092
------------------------------------------------------------------------------------------------------------------------------

Other Income (Loss)
     Gain on debt settlement                                   -            -           10,665            -           14,176
     Loss on currency exchange                                 -            -              (12)           -              (12)
------------------------------------------------------------------------------------------------------------------------------

Total Other Income (Loss)                                      -            -           10,653            -           14,164
------------------------------------------------------------------------------------------------------------------------------

Net Income (Loss) For The Period                      $   (2,775)  $   (3,604)       $ (12,324)   $ (11,409)     $   (71,928)
==============================================================================================================================

Basic And Diluted Loss Per Share                      $     0.00   $     0.00        $    0.00    $    0.00
==============================================================================================================================

Weighted Average Number of Common Shares Outstanding   5,436,231    4,000,000         5,936,539    4,000,000
==============================================================================================================================
</TABLE>

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


<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                             STATEMENT OF CASH FLOWS
                                   (Unaudited)
                            (Stated in U.S. Dollars)


<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------
                                                                                  PERIOD FROM
                                                                                    INCEPTION
                                                                                  DECEMBER 18
                                                             NINE MONTHS ENDED        2002 TO
                                                                SEPTEMBER 30     SEPTEMBER 30
                                                             2005        2004            2005
---------------------------------------------------------------------------------------------
<S>                                                     <C>          <C>         <C>
Operating Activities
     Net loss for the period                            $ (12,324)   $(11,409)    $  (71,928)

Adjustments to reconcile loss to net cash used in
..operating activities
     Gain on debt settlement                               10,665           -         14,176
     Gain on currency exchange                                (12)          -            (12)

Changes in assets and liabilities:
     Accounts payable and accrued liabilities             (44,322)     11,356         (2,024)
---------------------------------------------------------------------------------------------

Net Cash used in Operating Activities                     (45,993)        (53)       (59,788)
---------------------------------------------------------------------------------------------

Financing Activities
     Common stock issued                                  173,070           -        173,470
     Notes payable to related parties                           -         100         16,435
---------------------------------------------------------------------------------------------

Net Cash from Financing Activities                        173,070         100        189,905
---------------------------------------------------------------------------------------------

Investing Activities
     Purchase of equipment                                      -           -         (2,999)
---------------------------------------------------------------------------------------------

Net Increase in Cash                                      127,077          47        127,118

Cash, Beginning of Period                                      42          13              -
---------------------------------------------------------------------------------------------

Cash, End of Period                                     $ 127,118    $     60    $   127,118
---------------------------------------------------------------------------------------------

Supplemental Cash Flow Information
     Interest paid                                              -           -              -
     Income taxes                                               -           -              -
---------------------------------------------------------------------------------------------
</TABLE>

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

<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                      STATEMENT OF STOCKHOLDERS DEFICIENCY
                                   (Unaudited)
                            (Stated in U.S. Dollars)


<TABLE>
<CAPTION>
                                                  COMMON STOCK
                                      -----------------------------------
                                         NUMBER                ADDITIONAL
                                             OF                   PAID-IN
                                         SHARES       AMOUNT      CAPITAL      DEFICIT        TOTAL
                                      --------------------------------------------------------------
<S>                                   <C>         <C>          <C>           <C>         <C>
Shares issued for cash at $0.0001
                                      4,000,000   $      400   $       -     $       -    $     400

Loss for the period                           -            -           -       (21,990)     (21,990)
----------------------------------------------------------------------------------------------------

Balance, December 31, 2002            4,000,000   $      400           -     $ (21,990)   $ (21,590)

Loss for the year                             -            -           -       (24,216)     (24,216)
----------------------------------------------------------------------------------------------------

Balance, December 31, 2003            4,000,000   $      400           -     $ (46,206)   $ (45,806)

Loss for the year                             -            -           -       (13,398)     (13,398)
----------------------------------------------------------------------------------------------------

Balance, December 31, 2004            4,000,000   $      400           -     $ (59,604)   $ (59,204)

Shares issued for cash at $0.10       1,730,700   $      173   $ 172,897     $       -    $ 173,070

Loss for the period                           -            -           -       (12,324)     (12,324)
----------------------------------------------------------------------------------------------------

Balance, September 30, 2005           5,730,700          573     172,897       (71,928)     101,542
----------------------------------------------------------------------------------------------------
</TABLE>

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


<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                                SEPTEMBER 30, 2005
                                   (Unaudited)
                            (Stated in U.S. Dollars)

1.     NATURE OF OPERATIONS

a)     Organization

The Company was incorporated in the state of Nevada, U.S.A., on December 18,
2002.

b)     Development Stage Activities

The Company has been in the development stage since its formation and has not
yet realized any revenues from its planned operations.  It is primarily engaged
in the development of gateway services to automated teller machines owned by
independent system operators outside the financial services industry.  The
Company has secured the rights to a license to provide these services and is
seeking contracts with operators to provide gateway services for their machines.

c)     Going Concern

The accompanying financial statements have been prepared assuming the Company
will continue as a going concern.

As shown in the accompanying financial statements, the Company has incurred a
net loss of $71,928 for the period from inception, December 18, 2002, to
September 30, 2005, and has no sales. The future of the Company is dependent
upon its ability to obtain financing and upon future profitable operations from
the development of its gateway services. Management has plans to seek additional
capital through a public offering of its common stock.  The financial statements
do not include any adjustments relating to the recoverability and classification
of recorded assets, or the amounts of and classification of liabilities that
might be necessary in the event the Company cannot continue in existence.

2.     SIGNIFICANT  ACCOUNTING  POLICIES

The financial statements of the Company have been prepared in accordance with
generally accepted accounting principles in the United States of America.
Because a precise determination of many assets and liabilities is dependent upon
future events, the preparation of financial statements for a period necessarily
involves the use of estimates which have been made using careful judgment.

The financial statements have, in management's opinion, been properly prepared
within reasonable limits of materiality and within the framework of the
significant accounting policies summarized below:

a)     Development  Stage  Company

The Company is a development stage company as defined in the Statements of
Financial Accounting Standards No. 7.  The Company is devoting substantially all
of its present efforts to establish a new business and none of its planned
principal operations have commenced.  All losses accumulated since inception
have been considered as part of the Company's development stage activities.

b)     Use  of  Estimates

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 disclosure of
contingent assets and liabilities at the date of the financial statements, and
the reported amounts of revenues and expenses for the reporting period.  Actual
results could differ from these estimates.




<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                               September 30, 2005
                                   (Unaudited)
                            (Stated in U.S. Dollars)

2.     SIGNIFICANT ACCOUNTING POLICIES (Continued)

c)     Financial Instruments

The Company's financial instruments consist of cash, accounts payable and
accrued liabilities, and notes payable to related parties.

Unless otherwise noted, it is management's opinion that this Company is not
exposed to significant interest or credit risks arising from these financial
instruments.  The fair value of these financial instruments approximate their
carrying values, unless otherwise noted.

d)     Foreign Currency Translation

The  Company maintains  its  accounting  records  in U.S. Dollars,  as  follows:

At the transaction date, each asset, liability, revenue and expense is
translated into U.S. dollars by the use of the exchange rate in effect at that
date.  At the period end, monetary assets and liabilities are remeasured by
using the exchange rate in effect at that date.  The resulting foreign exchange
gains and losses are included in operations.

e)     Equipment

Depreciation is based on the estimated useful lives of the assets and is
computed using the straight-line method.  Equipment is recorded at cost and
depreciation is provided over the useful lives of 5 years.  During the period
the Company did not record any depreciation on the equipment since the equipment
is not yet in use.

f)     Comprehensive  Loss

The Company has adopted Statement of Financial Accounting Standards No. 130
(SFAS 130), Reporting Comprehensive Income, which establishes standards for
reporting and display of comprehensive income, its components and accumulated
balances.  The Company is disclosing this information on its Statements of
Stockholders' Deficiency.  Comprehensive loss comprises equity except those
resulting from investments by owners and distributions to owners.

g)     Income Taxes

     The Company has adopted Statement of Financial Accounting Standards No. 109
(SFAS 109), Accounting for Income Taxes, which requires the Company to recognize
deferred tax liabilities and assets for the expected future tax consequences of
events that have been recognized in the Company's financial statements or tax
returns using the liability method.  Under this method, deferred tax liabilities
and  assets  are determined based on the temporary differences between the
financial  statement and tax bases of assets and liabilities using enacted tax
rates in effect in the years in which the differences are expected to reverse.

<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                               September 30, 2005
                                   (Unaudited)
                            (Stated in U.S. Dollars)

2.     SIGNIFICANT ACCOUNTING POLICIES (Continued)

h)     Stock Based Compensation

     The Company has adopted the disclosure-only provisions of Statement of
Financial Accounting Standards No. 123 (SFAS 123), Accounting for Stock-based
Compensation.  SFAS 123 encourages, but does not require, companies to adopt a
fair value based method for determining expense related to stock-based
compensation.  The Company accounts for stock-based compensation issued to
employees and directors using the intrinsic value method as prescribed under
Accounting  Principles Board Opinion No. 25, Accounting for Stock Issued to
Employees and related interpretations.

     The Company did not grant any stock options during the period.

i)     Loss Per Share

     Loss per share is computed using the weighted average number of shares
outstanding during the period. The Company has adopted SFAS No. 128, "Earnings
Per Share".  Diluted loss per share is equivalent to basic loss per share.

j)     New Accounting Standards

     Management does not believe that any recently issued, but not yet effective
accounting  standards, if currently adopted, could have a material effect on the
accompanying  financial  statements.

3.     NOTES PAYABLE TO RELATED PARTIES

<TABLE>
<CAPTION>
                                                               Nine
                                                             Months
                                                              Ended        Year        Year
                                                       September 30       Ended       Ended
                                                               2005        2004        2003
                                                   -------------------------------------------
<S>                                                    <C>                <C>         <C>

Promissory note payable to a director.  The
note was repaid as of April 12, 2005, and
bore interest of 3% per annum, payable at
the time of repayment.                                 $        -         $ 10,885    $ 10,885

Promissory note payable to a company
controlled by a common director.  The note
was repaid as of April 12, 2005, and bore
interest of 3% per annum, payable at the time
of repayment.                                                   -              800         800

Promissory notes payable to a director.  The
note was repaid as of April 12, 2005, and did
not bear interest.                                              -            3,100           -

Promissory note payable to a director.  The
note was repaid as of April 12, 2005, and
bore interest of 3% per annum, payable at the
time of repayment.                                              -            1,650       1,650
                                                   -------------------------------------------

Total notes payable                                             -           16,435      13,335
Less:  Current portion                                          -           14,785           -
                                                   -------------------------------------------

Long-term portion                                      $        -         $  1,650    $ 13,335
                                                   ===========================================
</TABLE>


<PAGE>
                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                                September 30, 2005
                                   (Unaudited)
                            (Stated in U.S. Dollars)

4.     RELATED PARTY TRANSACTIONS

a)     Rent in the amount of $5,700 (2004 - $2,850) was charged by a director of
the Company.

b)     Included in accounts payable and accrued liabilities is $917 (2004 - $99)
in accrued interest to a director of the Company or a company controlled by a
director.

c)     Also see Note 3.


<PAGE>
ITEM 2.     MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATIONS

Financial Condition, Liquidity and Capital Resources

We were incorporated on December 18, 2002, for the purpose of providing access
to the Canadian Interac shared cash dispensing network for those operators of
automated teller machines, also known as ATMs, who are not affiliated with any
financial institution.  We also intend to own and operate ATMs that are placed
in high traffic publicly and privately held locations.

Our capital has been obtained via issuance of common stock and shareholder
loans.  On February 14, 2005, the Securities and Exchange Commission declared
effective our Form SB-2 Registration Statement (Commission File No.  333-103647)
concerning our initial public offering of 2,000,000 voting shares of our Common
Stock at an offering price of $0.10 per share.  The offering commenced on
February 17, 2005 and was terminated on May 15, 2005.  We sold a total of
1,730,700 shares of our Common Stock at an offering price of $0.10 per share,
for gross proceeds of $173,070.

As of September 30, 2005, our total assets were $131,373, of which $128,374 was
in cash and $2,999 in equipment. During the period, we experienced a net
increase in cash reserves from $42 on December 31, 2004, to $127,118 as of
September 30, 2005. This increase was the result of proceeds from our public
offering.  We earned no revenue during the period.

Our total liabilities as of September 30, 2005, were $28,575, a decrease of
$33,670 from December 31, 2004, that was primarily due to the gains resulting
from debt settlement, the payment of outstanding accounts owing to related
parties, and the payment of debt owing to our directors and a company controlled
by one of our directors from the proceeds of our public offering.

As of September 30, 2005, we had an accumulated deficit of $71,928 compared with
an accumulated deficit of $59,604 as of December 31, 2004.

We presently have sufficient working capital to satisfy our cash requirements
for the next 12 months of operations.

RESULTS OF OPERATIONS.

We posted a net loss of $2,775 for the three month period ending September 30,
2005, which was primarily the result of professional fees and office expenses.

ITEM 3.    CONTROLS AND PROCEDURES

(a)     Evaluation of Disclosure Controls and Procedures.

Our Chief Executive Officer, who is also our Chief Financial Officer, has,
within 90 days of the filing date of this report, evaluated our internal
controls and procedures designed to ensure that information required to be
disclosed in reports under the Securities Exchange Act of 1934 is recorded,
processed, summarized and reported within specified time periods. After such
review, the Company's Chief Executive Officer and Chief Financial Officer
concluded that said information was accumulated and communicated to management
as appropriate to allow timely decisions regarding required disclosure.

(b)     Changes in Internal Controls.

There were no significant changes in our internal controls or in other factors
that could significantly affect these controls subsequent to the evaluation
referred to in paragraph (a) above.


PART II.     OTHER INFORMATION

ITEM 1.     LEGAL PROCEEDINGS

We are not a party to any material legal proceedings and to our knowledge, no
such proceedings are threatened or contemplated.


ITEM 2.     CHANGES IN SECURITIES AND USE OF PROCEEDS

Our common stock is quoted on the NASD OTC bulletin board under the trading
symbol, AFIC.

As of September 30, 2005, there were 79 owners of record of our common stock.

<PAGE>
USE OF PROCEEDS FROM REGISTERED SECURITIES

On March 7, 2003, we filed a Registration Statement on Form SB-2 with the
Securities and Exchange Commission in respect of an initial public offering of
2,000,000 shares our voting common stock at an offering price of $0.10 per
share.  On February 14, 2005, the Securities and Exchange Commission declared
our Registration Statement (Commission  File  No. 333-103647) effective.

Our offering commenced on February 17, 2005, and terminated on May 15, 2005.
We sold a total of 1,730,700 shares through the offering at a price of $0.10 per
share, resulting in gross proceeds of $173,070.

     The following table sets out the calculation of net proceeds from our
public offering:

                                                                      Amount ($)

Gross offering proceeds as of September 30, 2005                        173,070

Offering expenses incurred from March 7, 2003 to September 30, 2005

     SEC Registration fee                                                    20
     Accounting Fees(1)                                                   5,817
     Legal Fees                                                          10,000
     Transfer and Miscellaneous expenses                                  2,440
-------------------------------------------------------------------------------
                                                                         18,277

Use of Net Proceeds from February 14, 2005 to September 30, 2005

     Debt Repayment                                                      10,885
     Automated Teller Machines                                            2,999
     Equipment                                                            1,709
     Marketing                                                               94
     Office Expense & Supplies                                           14,628
     General Expenses                                                     3,364
-------------------------------------------------------------------------------
                                                                         33,679

Net offering proceeds as of September 30, 2005                          121,114

(1)  Offering expenses of $5,817 for accounting fees exceeded our estimated
amount of $3,000 due to the unanticipated length of time required for our
Registration Statement to be declared effective.

DIVIDEND POLICY

Our Board of Directors may declare and pay dividends on outstanding shares of
common stock out of funds legally available therefor in our sole discretion;
however, to date no dividends have been paid on common stock and we do not
anticipate the payment of dividends in the foreseeable future.


ITEM 3.     DEFAULT UPON SENIOR NOTES

Not applicable.


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

None.


<PAGE>
ITEM 5.     OTHER INFORMATION

None.


ITEM 6.    EXHIBITS

EXHIBIT     DESCRIPTION
=======     ===========

31.1        Certification Pursuant to Section 302

32.1        Certifications Pursuant to 18 U.S.C. Section 1350, as Adopted
            Pursuant to Section 906 of the Sarbanes-Oxley Act Of 2002


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.

                                 ATM Financial Corp.


Date: November 9, 2005           /s/ Arthur Davis
                                 -------------------
                                 Arthur Davis
                                 President & Chief Financial Officer