```

                                                                                               December 31,   September 30,
                                                                                                   2001          2001
                                                                                               ------------    ------------
                                                                                               (unaudited)

ASSETS

Cash                                                                                           $  1,761,846    $    850,665
Certificates of deposit                                                                             400,000             --
Real estate held for sale                                                                         7,995,000       7,995,000
Real estate held for development                                                                    255,169         255,169
Mortgage loans held for sale, net                                                                98,960,663      72,221,049
Property and equipment, net                                                                         768,913         633,571
Accounts receivable                                                                               2,204,559       1,975,662
Investments, net                                                                                  1,475,118       1,872,405
Due from related party                                                                               72,433          47,224
Goodwill, net                                                                                     4,342,777       4,342,777
Deferred income tax benefit                                                                         364,000         460,000
Other assets                                                                                        264,715         442,734
                                                                                                ------------    ------------
         Total assets                                                                          $118,865,193     $91,096,256
                                                                                                ============    ============
LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities:
    Accounts payable and accrued expenses                                                      $  1,460,230    $  1,539,096
    Accrued interest payable                                                                        884,605       1,232,768
    Notes payable - warehouse line                                                               97,424,616      71,265,897
    Notes payable                                                                                 6,226,903       6,230,902
    Due to related parties and stockholders                                                          47,140         120,000
                                                                                                ------------    ------------
         Total liabilities                                                                      106,043,494      80,388,663
                                                                                               ------------    ------------
Commitments and contingencies

Stockholders' equity (deficit):
    Preferred series B convertible stock, 2,000,000 shares authorized,
    1,650,000 shares issued and outstanding                                                       1,650,000      1,650,000
    Common stock, no par value, 800,000,000 shares authorized, 25,053,432 and 24,856,253 shares
    issued and outstanding at December 31, 2001 and September 30, 2001, respectively
    Additional paid in capital                                                                   10,502,816      9,113,402
    Accumulated earnings (deficit)                                                                  668,883        (55,809)
                                                                                               ------------    ------------
                                                                                                 12,821,699     10,707,593
    Less: Subscriptions receivable                                                                       --             --
                                                                                               ------------    ------------
        Total stockholders' equity                                                               12,821,699     10,707,593
                                                                                               ------------    ------------
        Total liabilities and stockholders' equity                                             $118,865,193    $91,096,256
                                                                                               ============    ============
```

```

                                                                                                                    (a)
                                                                                          Three Months          Three Months
                                                                                             Ended                 Ended
                                                                                          December 31,          December 31,
                                                                                              2001                 2000
                                                                                          -------------         -------------

Revenue:
     Broker fee income                                                                    $  5,553,946          $  4,228,611
                                                                                          ------------          ------------
          Total revenue                                                                      5,553,946             4,228,611
                                                                                          ------------          ------------
Operating expenses:
     Broker commissions                                                                      1,167,281             2,385,954
     Salaries and employee benefits                                                          1,448,799             1,242,332
     General and administrative                                                              2,105,620               665,074
     Professional expenses                                                                      94,731               194,445
     Occupancy expense                                                                         193,705               179,592
     Amortization of goodwill                                                                    2,417                74,911
     Property taxes                                                                            (45,358)               28,488
     Depreciation and amortization                                                              36,993                42,697
                                                                                          ------------          ------------
          Total operating expenses                                                           5,004,188             4,813,493
                                                                                          ------------          ------------
Operating profit (loss)                                                                        549,758              (584,882)

Other expense (income):
     Gain on sale of note receivable                                                               --               (851,062)
     Interest income                                                                          (288,085)             (583,246)
     Other income                                                                             (179,850)             (170,852)
     Interest expense                                                                          197,051               722,055
                                                                                          ------------          ------------
                                                                                              (270,884)             (883,105)

                                                                                          ------------          ------------
Income before income taxes                                                                     820,642               298,223
Income taxes                                                                                   (96,000)                  --
                                                                                          ------------          ------------
Net income                                                                                $    724,642          $    298,223
                                                                                          ============          ============
Basic earnings per share                                                                  $       0.03           $      0.02
                                                                                          ============          ============
Diluted earnings per share                                                                $       0.03           $      0.01
                                                                                          ============          ============
Weighted average shares outstanding - basic                                                 25,053,432            18,237,814
                                                                                          ============          ============
Weighted average shares outstanding - diluted                                               25,053,432            21,013,654
                                                                                          ============          ============
```

```

                                                                                Additional
                                          Common Stock        Preferred Stock     Paid-in         Accumulated
                                      Shares     Amount    Shares   Amount        Capital           Earnings        Total
                                   -----------  --------  -------  -----------  -----------    ---------------  -------------

Balance at September 30, 2001      24,856,283  $      --       --  $ 1,650,000  $ 9,113,402    $    (55,809)     $ 10,707,593

Collect subscriptions receivable           --         --       --           --           --              --                --

Preferred stock issued on purchase
of real property                           --         --       --           --           --              --                --

Common stock issued on financing
of bridge note                        197,149         --       --           --           --              --                --

Net income                                 --         --       --           --    1,389,414         724,642         2,114,056
                                   ----------   --------   -------   --------- ------------    ------------     -------------
Balance at December 31, 2001       25,053,432  $      --        -- $ 1,650,000  $10,502,816    $    668,883     $  12,821,699
                                   ==========   ========  ========  ==========  ===========    ============     =============
```

```

                                                                               Three Months         Three Months
                                                                                   Ended                Ended
                                                                                December 31,         December 31,
                                                                                    2001                 2000
                                                                              ---------------       ---------------

Cash Flows from Operating Activities:
  Net income                                                                 $     724,642         $     298,223
  Adjustments:
   Depreciation and amortization                                                    39,410               117,608
   Valuation adjustment related to note receivable                                      --              (851,062)
   Changes in:
     Income tax asset                                                               96,000                    --
     Restricted certificates of deposit                                                 --                (1,158)
     Accounts receivable                                                           168,390               (14,652)
     Mortgage loans held for sale                                              (26,739,614)             (135,749)
     Due from related party                                                        (25,209)               34,816
     Other assets                                                                  178,019               419,411
     Accounts payable and accrued expenses                                         (78,816)             (202,129)
     Accrued interest payable                                                     (348,163)              402,791
     Deferred revenue                                                                   --               (65,710)
     Costs associated with development of real estate                                   --                38,242
     Decrease in amounts due from former shareholders of Accent
     Mortgage Services, Inc. under indemnity                                            --               227,299
                                                                              ------------           ------------
Net cash provided by (used in) operating activities                            (25,985,341)              267,930
                                                                              ------------           ------------
Cash Flows from Investing Activities:
   Purchase of property and equipment                                             (174,752)             (124,369)
   Cash acquired in acquisitions                                                        --               984,428
                                                                               ------------         ------------
Net cash provided by (used in) investing activities                               (174,752)              860,059
                                                                              ------------          ------------

Cash Flows from Financing Activities:
   Proceeds from issuance of notes payable                                      26,004,720                56,787
   Increase in additional paid in capital                                        1,389,414                    --
   Repayment of notes payable                                                           --              (402,441)
   Increase in amounts due to related parties                                       77,140               385,000
                                                                              ------------          ------------
Net cash provided by financing activities                                       27,471,274                39,346
                                                                              ------------          ------------

Net increase in cash                                                             1,311,181             1,167,335
Cash, at beginning of the period                                                   850,665               272,297
                                                                              ------------          ------------

Cash, at end of the period                                                    $  2,161,846          $  1,439,632
                                                                              ============          ============
```

```

                                                                                           Three Months        Three Months
                                                                                               Ended               Ended
                                                                                           December 31,        December 31,
                                                                                               2001                2000
                                                                                          ---------------    ---------------

Supplemental disclosures of cash flow information:
   Cash paid during the period for interest                                               $       197,051    $       219,174

Purchase of Swiss Air property
     Real estate held for sale                                                            $            --         (7,995,000)
     Note receivable transferred to seller                                                $            --          2,450,000
     Issuance of preferred stock                                                          $            --          1,650,000
     Issue note payable to seller                                                         $            --            385,000
     Cancel repayment of stock subscription receivable                                    $            --          1,010,000
     Note payable assumed by Company                                                      $            --          2,500,000

Purchase of United Capital Mortgage
     Goodwill                                                                             $            --         (1,948,773)
     Cash                                                                                 $            --           (848,663)
     Property and equipment                                                               $            --           (383,543)
     Issuance of common stock                                                             $            --          1,050,000
     Notes payable assumed                                                                $            --          2,000,000

Purchase of Cross Keys Capital
     Goodwill                                                                             $            --           (881,140)
     Cash                                                                                 $            --           (135,765)
     Property and equipment                                                               $            --            (49,900)
     Notes payable issued                                                                 $            --            425,000
```

```

        Land held for development   $    91,605
        Costs to develop land           163,564
                                    -----------
                                    $   255,169
                                    ===========
```

```

Prepaid expenses                                                $  125,499
Deposits                                                           113,311
Other                                                               25,905
                                                                ----------
                                                               $   264,715
                                                                ==========
```

```

Note payable with no interest unless default at which time
interest accrues at 12%, due December 15, 2001.  Secured
by real estate.                                                          150,000

Note payable secured by residential property, payable on
demand.  Interest is payable monthly at a rate of 12%.                    67,701

                                                                    ------------
Total notes payable                                                   $6,226,903
                                                                    ------------

Notes payable related parties:

Unsecured note payable to a stockholder, interest
at 7%, due on demand.                                                $    47,140
                                                                    ------------
Total general corporate indebtedness                                 $ 6,274,043
                                                                    ------------
     Total notes payable                                             $ 6,274,043
                                                                    ============
```

```

                                     Mortgage        Real Estate
                                    Brokerage        Development       Corporate          Total
                                  -------------     -------------    -------------    -------------

Revenues                          $   5,842,031     $     16,611     $    163,239     $   6,021,881

Operating profit (loss)           $     939,146     $     14,194     $   (132,698)    $     820,642

Depreciation and amortization     $      30,687     $      2,417     $      3,889     $      36,993

Identifiable assets               $ 108,504,806     $    909,481     $  9,450,906     $ 118,865,193

Capital expenditures              $     172,335     $         --     $         --     $     172,335
```

```

                                      Mortgage        Real Estate
                                     Brokerage        Development      Corporate         Total
                                  -------------     -------------    -------------    -------------

Revenues                          $  4,228,611     $         --      $         --     $  4,228,611

Operating profit (loss)           $    133,216     $    (87,263)     $   (630,835)    $   (584,882)

Depreciation and amortization     $     36,058     $         --      $     81,550     $    117,608

Identifiable assets               $ 33,517,319     $  3,581,318      $  5,467,335     $ 42,565,972

Capital expenditures              $     15,139     $         --      $    109,230     $    124,369
```