<PAGE>   1



                                    FORM 10-K

                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
(Mark One)

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

         FOR THE FISCAL YEAR ENDED DECEMBER 30, 2000

                                       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 No. 0-21768

                           D.I.Y. HOME WAREHOUSE, INC.
             (Exact name of registrant as specified in its charter)

              STATE OF OHIO                               38-2560752
         (State of Incorporation)                    (I.R.S. Employer I.D. No.)
                                 5811 CANAL ROAD
                             VALLEY VIEW, OHIO 44125
                                 (216) 328-5100
          (Address of principal executive offices and telephone number)

           Securities Registered Pursuant to Section 12(b) of the Act:
                                      NONE

           Securities Registered Pursuant to Section 12(g) of the Act:
                           COMMON STOCK, NO PAR VALUE

         Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K is not contained herein, and will not be contained,
to the best of Registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. Yes X No __

         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 and 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 ___

         As of March 6, 2001, the aggregate market value of the Registrant's
voting stock held by non-affiliates of the Registrant was $871,729 determined in
accordance with the highest price at which the stock was sold on such date as
reported by the OTC Bulletin Board.

         As of March 6, 2001, there were 7,276,059 outstanding shares of the
Registrant's common stock.


                        This document contains 88 pages.

<PAGE>   2
DOCUMENTS INCORPORATED BY REFERENCE

         The Registrant's Proxy Statement for its Annual Meeting of Shareholders
which will be filed with the Securities and Exchange Commission pursuant to
Regulation 14A within 120 days of the close of the Registrant's fiscal year, is
incorporated by reference in answer to Part III of this Annual Report on Form
10-K to the extent noted herein. In addition, pages 2 through 16 of D.I.Y. Home
Warehouse, Inc.'s 2000 Annual Report to Shareholders are incorporated by
reference in answer to Items 6, 7 and 8 of Part II and Item 14(a)(1) of Part IV
of this report.



                                     PART I


ITEM 1.  BUSINESS

GENERAL

         D.I.Y. Home Warehouse, Inc. ("DIY" or the "Company") operates nine
retail warehouse-format home improvement centers that sell products primarily to
do-it-yourself home repair and remodeling customers. The Company's "DIY Home
Warehouse" stores are located in Northeast Ohio and range in size from 66,000 to
109,000 square feet of enclosed selling space with an additional 12,000 to
20,000 square feet of outside selling space. Five of these retail centers are
located in the Cleveland metropolitan area, two stores in the Akron area and one
store each is located in Warren and Ashtabula. DIY offers a high level of
customer service, making shopping at its stores easy and convenient and, through
its displays and trained staff, enabling do-it-yourself shoppers to complete
their own home repair, maintenance and improvement projects.

MERCHANDISING

         DIY offers a wide selection of home improvement products at everyday
low prices. Each store carries approximately 30,000 SKUs, including variations
in color and size. Brand name products are carried throughout each store.

         The Company seeks to carry a broad and deep product selection in its
core product areas. Core product areas are characterized by a high need for
specialized customer service. The Company's two core product areas consist of
(a) Paint, Home Decorating, Floorcoverings and Ready To Assemble Furniture, and
(b) Lawn and Garden. In its non-core product areas, DIY seeks to carry as deep a
selection as its competitors, but does not seek to carry a broad selection of
products within the same category. Non-core product areas are characterized by
products which do not require a high level of specialized service, but which are
better stocked and sold in traditional warehouse-format for customer
convenience. The Company's non-core product areas are Electrical, Lighting and
Fans, Hardware, Plumbing and Building Materials.

         The following table depicts the percentage of total net sales data for
the periods indicated, by product area.

<TABLE>
<CAPTION>
                                                                    FISCAL YEAR ENDED
                                     -----------------------------------------------------------------------------
PRODUCT AREA                            DECEMBER 30, 2000           JANUARY 1, 2000            JANUARY 2, 1999
------------                            -----------------           ---------------            ---------------
<S>                                     <C>                         <C>                        <C>
A.  Kitchen, Plumbing and Bath                  17.1%                     18.4%                      20.2%
B.  Paint, Home Decorating,
      Floorcoverings and Furniture              21.6                      19.0                       17.0
C.  Lawn and Garden                             21.5                      18.9                       18.0
D.  Lumber, Building Materials and
     Doors and Windows                          23.4                      26.9                       28.0
E.  Electrical, Lighting and Fans                8.6                       8.9                        9.0
F.  Hardware and Tools                           7.8                       7.9                        7.8
                                               ------                    ------                     ------
                                               100.0%                    100.0%                     100.0%
                                               ======                    ======                     ======
</TABLE>

                                       2
<PAGE>   3
         Kitchen, Plumbing, and Bath. The Company carries a wide selection of
sinks, toilets, bathtubs, faucets, bathroom vanities and tops, shower surrounds
and related products utilized in kitchen and bath remodeling projects. DIY
offers three complete lines of assembled cabinets which are stocked for customer
carryout. The Company offers products over a broad price range but focuses its
presentation on the more popular price product group in this category. Sales
associates are available to assist customers in planning and designing
remodeling projects as well as assisting in product selection.

         Paint, Home Decorating, Floorcoverings, and Furniture. The Company
offers a wide assortment of interior and exterior paints, stains, varnishes and
other surface applications, as well as sundry related supplies such as paint
brushes, sand paper, paint thinner, glues and other similar items. Blinds and
window treatments, closet and storage materials, wall coverings, floorcoverings
(rugs, tiles and similar items) and other home decorating items are also
featured in this product area. In addition to budget priced DIY "house label"
products, DIY offers products from manufacturers such as Dutch Boy, Enterprise,
Behr, Newell and Cuprinol. Salespeople are available to computer custom match
and mix paint colors and otherwise assist customers in planning and selecting
products for their home decorating projects.

         Lawn and Garden. The Company carries a wide selection of seasonal items
relating to landscaping and yard beautification and maintenance, such as annual
flowers and other nursery stock, fertilizers, lawn mowers and garden tractors,
barbecues and grills, soils and mulches, lawn and garden maintenance tools and
similar items. DIY has enhanced its selection of patio furniture to fill a void
in its market area with regard to the mid range price points in this category.
DIY seeks to provide a large selection of lawn and garden goods, at high quality
and low prices. This department provides both significant sales primarily in the
second and third quarters of the year and substantial traffic of potential
customers for other departments.

         Lumber, Building Materials, and Doors and Windows. The Company carries
a wide selection of exterior and interior doors, storm windows and doors, steel
entry doors, pre-hung doors, window units, skylights, moldings and other related
products. This product area also offers treated and dimensional lumber, plywood,
pine boards and other wood products.

         Electrical, Lighting and Fans, and Hardware and Tools. The Company
offers a selection of heaters and fans, lights, lighting fixtures, switch
plates, light bulbs, outlets, switches, electrical wire and conduit, fuses and
circuit breakers, related electrical products, hand and power tools and
accessories, fasteners, chains and other related tools and items. The Company
features a large, attractive lighting display area with working samples. The
Company's Hardware and Tools product area provides all necessary equipment to
complete a do-it-yourself customer project.

CUSTOMER SERVICE

         DIY seeks to provide superior service for every customer by hiring
experienced personnel, including people with experience in the building trades
such as plumbers and electricians, and by providing these employees with
in-store and vendor-supported product training. Specially trained personnel are
available in every product area (or "department"), particularly in the core
departments, to help customers conceptualize and plan virtually any home
improvement project.

         Customer questions, problems, returns and exchanges are handled at a
convenient service desk near the main entrance to the store. Virtually all items
offered by the Company carry the manufacturers' full product warranties. The
Company has a "no-hassle" return policy for all of its products. If a customer
is not satisfied, the Company will have the product repaired, exchange the
product or refund the product purchase price. The Company does not operate a
repair department.

         The Company accepts cash, check, Visa, MasterCard, American Express and
Discover. DIY home centers are open seven days a week, from 7:30 a.m. to 9:00
p.m. on weekdays and Saturdays and from 9:00 a.m. to 6:00 p.m. on Sundays.

                                       3
<PAGE>   4
PURCHASING AND DISTRIBUTION

         The Company purchases over 85% of its merchandise directly from
manufacturers. The balance, which are generally high turnover but long lead time
items, are purchased through and stocked by distributors. Product re-orders are
initiated at the store department level, after review of available stock and
applying local knowledge as to sales patterns for particular items. Merchandise
selection is centrally handled by buyers at the headquarters level to attain the
most attractive volume discounts and programs available. DIY has a staff of five
merchandisers, who report to the Company's President and Chief Executive
Officer. Each merchandiser has responsibility for specified product categories.

         During fiscal 2000, the Company's top 10 vendors accounted for
approximately 26.5% of its purchases, with no single supplier accounting for
more than 6.1% of Company purchases. The number of active vendors is
approximately 482. The Company is not dependent on any one vendor for any
significant product. The Company does not license or contract the operating of
departments within its stores to outside providers.

         The majority of the merchandise purchased by the Company is shipped by
the vendors directly to its stores. The Company thereby largely avoids the costs
associated with maintaining a distribution center or warehouse, and does not
incur costs of moving inventory from storage sites to the stores. However, a
warehouse is used for situations involving import and/or seasonal product
categories, for cross docking and/or temporary storage where a cost-benefit
advantage exists. All merchandise is displayed on the sales floor in the lower
levels of warehouse type racks, with stock stored in the upper racks. In this
way, on-site storeroom space requirements are minimized, and utilization of
available store space for sales is maximized.

         The Company stocks inventory at levels appropriate to support its
warehouse home center format and its wide product selection consisting of
approximately 30,000 SKUs. The Company generally experiences its highest working
capital requirements with respect to inventory during March and April when
inventory quantities are increased in anticipation of higher spring and summer
sales.

MANAGEMENT INFORMATION SYSTEMS

         The Company's information system strategy is to provide excellent
customer service and reliable, timely information to manage DIY. The
infrastructure for the Company's Local Area Network (LAN) and Wide Area Networks
(WAN) consists of the IBM AS/400 processor for its mission critical
applications, Microsoft NT and Novell for its networked servers and personal
computers. Margin, sales and inventory information is delivered through the DIY
Network and processed at headquarters daily. The Company's strategic IT
architecture is flexible enough to accommodate a mix of systems while retaining
the ability to centralize or delegate management and control of these systems.

MARKETING

         The Company's marketing program is designed to create an awareness of
DIY's comprehensive selection of brand name merchandise, superior customer
service and everyday low prices. The Company's primary advertising vehicle is
local newspaper advertising, which currently consists of circulars, tablets or
flyers included with the Sunday newspaper in its markets. The Company also
engages in radio advertising in order to enhance consumer recognition of the DIY
Home Warehouse name and product assortment or to promote a sense of urgency
regarding the purchase of a particular product or group of products.

COMPETITION

         The home improvement, hardware and garden businesses are all highly
competitive. The Company competes against traditional hardware, plumbing,
electrical and home supply retailers, as well as warehouse-format and discount
retail stores and many of the Company's competitors have substantially greater
resources than the Company. Lowe's Company entered the Company's market in

                                       4
<PAGE>   5
the third quarter of 1994 and has continued to expand, opening additional
locations in the Company's markets during 1996, 1997, 1998 and 2000. In the
fourth quarter of 1997, Home Depot opened its first store in the Company's
market and continued to expand its operations into additional Company markets
during 1998, 1999 and 2000. Additionally, both Home Depot and Lowe's have
announced further expansion plans into the Company's markets during 2001. There
has been increasing consolidation within the home improvement industry, which
may provide certain entities increased competitive advantages. Specifically,
increased competition including, but not limited to, additional competitors'
store locations, price reductions, and advertising and marketing campaigns could
have a material adverse effect on the Company's business.

EMPLOYEES

         Each DIY home center employs approximately 50 to 80 employees,
supervised by a store manager, two to three assistant managers and 4 to 8
department heads. As of December 30, 2000, the Company employed approximately
486 persons, approximately 321 of whom were full-time employees. DIY is not a
party to any collective bargaining agreements. The Company considers its
relations with its employees to be excellent.


ITEM 2.  PROPERTIES

         Each DIY home center is individually designed based on the particular
characteristics of the property, with the overall goal of achieving a relatively
uniform "look" among all the stores, including the same product areas. All
stores are conveniently located near major roads and each provides parking for
customers. The following table sets forth the location, opening date and
approximate size of each of the Company's operating home centers.

<TABLE>
<CAPTION>
                                                     Leased                          Area in Square Feet
Store Location             Opening Date              or Owned          Interior Selling      Garden     Greenhouse
--------------             ------------              --------          ----------------      ------     ----------
<S>                       <C>                        <C>               <C>                   <C>        <C>
Cleveland, Ohio....       March 1985......           Leased.......         109,000            12,000        --
Eastlake, Ohio.....       August 1990.....           Leased.......          66,000            17,000        --
Elyria, Ohio.......       February 1992...           Leased.......          72,000            16,200        --
Brook Park, Ohio...       March 1993......           Leased.......          93,000            18,000        --
Warren, Ohio......        January 1994....           Owned, Land Lease      79,000            18,000        --
Medina, Ohio......        March 1995......           Owned........          83,200            20,000       3,200
Mentor, Ohio......        April 1995......           Leased.......          86,100            15,000          --
Akron, Ohio (Southeast).  June 1995.......           Owned........          85,400            15,000       3,200
Ashtabula, Ohio...        November 1995...           Owned, Land Lease      84,200            15,750       3,200
</TABLE>

         The Company's headquarters consist of approximately 8,800 square feet
of leased space in Valley View, Ohio, near Cleveland.

         The Company leases or subleases five of its operating retail properties
as well as its former North Randall location which was closed during the third
quarter of fiscal 2000. In addition, two of the Company's retail stores are
subject to land leases. The various lease terms expire between 1 and 7 years,
and have renewal options ranging from 2 to 30 years. The leases generally
provide for additional rental payments based upon a percentage of gross or net
store sales above various levels. The Company subleases portions of premises not
being used by the Company to various third parties.

         The Company owns most of the equipment and trade fixtures throughout
its stores and headquarters and has made leasehold improvements at most
locations. Management believes all of the Company's facilities are in excellent
condition.


ITEM 3.  LEGAL PROCEEDINGS

         Not applicable.

                                       5
<PAGE>   6
ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         No matters were submitted to a vote of the Company's security holders
during the fourth quarter of the fiscal year covered by this Annual Report on
Form 10-K.



                                     PART II


ITEM 5. MARKET FOR THE REGISTRANT'S COMMON STOCK AND RELATED SHAREHOLDER MATTERS

         From 1985 to May 18, 1993, the Company's stock was privately held. From
May 25, 1993, to December 2, 1998, the Company's Common Stock was traded on the
National Market of Nasdaq. From December 3, 1998 to present the Company Stock
has been traded on the OTC Bulletin Board under its symbol "DIYH."

         As of March 6, 2001, the closing price for the Company's Common Stock
on the OTC Bulletin Board was $0.41 and there were approximately 181 holders
of record of Common Stock. Based on information provided to the Company by
certain holders of record, the Company estimates there are in excess of 1,000
beneficial shareholders. The Company has not paid any cash dividends on its
Common Stock in the past four fiscal years. Management intends to follow a
policy of retaining earnings in the foreseeable future in order to finance the
development and operations of its business. The declaration and payment of
dividends will be within the discretion of the Company's Board of Directors and
would depend, among other factors, on the Company's earnings, financial
condition, capital requirements, level of indebtedness and contractual
restrictions with respect to payment of dividends.

         The following table sets forth a quarterly summary, for the years ended
December 30, 2000, January 1, 2000 and January 2, 1999 of the high and low
closing sales prices as reported by Nasdaq NNM or, after December 2, 1998, the
OTC Bulletin Board.

<TABLE>
<CAPTION>
                                               2000             1999            1998
                                        ---------------------------------------------------
Fiscal Quarter                             High     Low    High     Low     High     Low
--------------                             ----     ---    ----     ---     ----     ---
<S>                                     <C>        <C>     <C>     <C>     <C>      <C>
    1st                                    $0.66   $0.44   $0.75   $0.19    $3.25   $2.69
    2nd                                     0.69    0.44    0.84    0.56     3.13    2.00
    3rd                                     0.75    0.52    0.97    0.63     2.06    1.06
    4th                                     0.75    0.47    0.75    0.53     1.25    0.25
</TABLE>


ITEM 6.  SELECTED FINANCIAL DATA

         The information for the fiscal years 1996-2000 under the heading
"Selected Financial Data and Operating Highlights" contained in the Company's
Annual Report to Shareholders for the fiscal year ended December 30, 2000, on
page 16 of Exhibit 13.1 hereto, is incorporated herein by reference.


ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF RESULTS OF OPERATIONS AND
              FINANCIAL CONDITION

         The information under the heading "Management's Discussion and Analysis
of Financial Condition and Results of Operations" contained in the Company's
Annual Report to Shareholders for the fiscal year ended December 30, 2000, on
pages 2 through 6 of Exhibit 13.1 hereto, is incorporated herein by
reference.

                                       6
<PAGE>   7
ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         The information under the headings "Statement of Operations, Statement
of Shareholders' Equity, Balance Sheet, Statement of Cash Flows, Notes to
Financial Statements and Report of Independent Accountants" contained in the
Company's Annual Report to Shareholders for the fiscal year ended December 30,
2000, on pages 7 through 15 of Exhibit 13.1 hereto, is incorporated
herein by reference.


ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

         Not applicable.



                                    PART III

         To be provided by subsequent filing.



                                     PART IV


ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a)      The following documents are filed as part of this Annual Report on Form
         10-K:

                  (1)      Financial Statements:

                           The following financial statements of D.I.Y. Home
                           Warehouse, Inc. are filed herewith by incorporation
                           by reference from pages 7 through 15 of the
                           Registrant's Annual Report to Shareholders for the
                           fiscal year ended December 30, 2000, as provided in
                           Item 8 hereof:

                           Statement of Operations for the Years Ended December
                           30, 2000, January 1, 2000 and January 2, 1999;

                           Statement of Stockholders' Equity for the Years Ended
                           December 30, 2000, January 1, 2000 and January 2,
                           1999;

                           Balance Sheet as of December 30, 2000 and January 1,
                           2000;

                           Statement of Cash Flows for the Years Ended December
                           30, 2000, January 1, 2000 and January 2, 1999;

                           Notes to Financial Statements;

                           Report of Independent Accountants.

                  (2)      Financial Statement Schedules:

                           Financial Statement Schedules have been omitted
                           because they are not required, are not applicable, or
                           the required information is included in the financial
                           statements or the notes thereto.

                                       7
<PAGE>   8
         (3)      Exhibits required by Item 601 of Regulation S-K:

 3.1     Articles of Incorporation of D.I.Y. Home Warehouse, Inc., as
         amended, incorporated herein by reference to Exhibit 3.1 to
         the Registrant's Registration Statement No. 33-60012 on Form
         S-1 filed May 18, 1993.

 3.2     Amended and Restated Code of Regulations of D.I.Y. Home
         Warehouse, Inc., incorporated herein by reference to Exhibit
         3.2 to the Registrant's Registration Statement No. 33-60012 on
         Form S-1 filed May 18, 1993.

10.1     Compensation and Employee Benefit Plans of the Registrant

         10.1.1   D.I.Y. Home Warehouse, Inc. 1993 Long Term Incentive Plan as
                  Amended February 23, 1994 and Approved by Stockholders May 25,
                  1994, incorporated herein by reference to Exhibit 10.18 to the
                  Registrant's Registration Statement No. 33-60012 on Form S-1
                  filed May 18, 1993.

         10.1.2   Indemnification Agreement between D.I.Y. Home Warehouse, Inc.
                  and Clifford L. Reynolds, incorporated herein by reference to
                  Exhibit 10.22 to the Registrant's Registration Statement No.
                  33-60012 on Form S-1 filed May 18, 1993.

         10.1.3   Indemnification Agreement between D.I.Y. Home Warehouse, Inc.
                  and R. Scott Eynon, incorporated herein by reference to
                  Exhibit 10.23 to the Registrant's Registration Statement No.
                  33-60012 on Form S-1 filed May 18, 1993.

         10.1.4   Indemnification Agreement between D.I.Y. Home Warehouse, Inc.
                  and Dennis C. Hoff, incorporated herein by reference to
                  Exhibit 10.24 to the Registrant's Registration Statement No.
                  33-60012 on Form S-1 filed May 18, 1993.

         10.1.5   Indemnification Agreement between D.I.Y. Home Warehouse, Inc.
                  and John M. Erb, incorporated herein by reference to Exhibit
                  10.25 to the Registrant's Registration Statement No. 33-60012
                  on Form S-1 filed May 18, 1993.

         10.1.6   Indemnification Agreement between D.I.Y. Home Warehouse, Inc.
                  and Fred A. Erb, incorporated herein by reference to Exhibit
                  10.26 to the Registrant's Registration Statement No. 33-60012
                  on Form S-1 filed May 18, 1993.

         10.1.7   Tax Indemnification Agreement among D.I.Y. Home Warehouse,
                  Inc. and Fred A. Erb, Clifford L. Reynolds, R. Scott Eynon,
                  Dennis C. Hoff and John M. Erb, incorporated herein by
                  reference to Exhibit 10.27 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

         10.1.8   D.I.Y. Home Warehouse, Inc.'s 401K Plan, incorporated herein
                  by reference to Exhibit 10.28 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

         10.1.9   1994 D.I.Y. Home Warehouse, Inc. Employee Bonus Plan dated May
                  25, 1994, incorporated herein by reference to Exhibit 10.48 to
                  the Registrant's Report on Form 10-K for the fiscal year ended
                  December 31, 1994.

         10.1.10  Amended and Restated Employment Agreement between Clifford L.
                  Reynolds and D.I.Y. Home Warehouse, Inc. dated January 1,
                  1995, incorporated herein by reference to Exhibit 10.1 to the
                  Registrant's Report on Form 10-Q for the quarter ended July 1,
                  1995.

                                       8
<PAGE>   9
                  10.1.10.a   Amended and Restated Employment Agreement between
                              Clifford L. Reynolds and D.I.Y. Home Warehouse,
                              Inc. dated November 21, 1996, incorporated
                              herein by reference to Exhibit 10.51 to the
                              Registrant's Report on Form 10-K for the fiscal
                              year ended December 28, 1996.

                  10.1.10.b   Amended and Restated Employment Agreement between
                              Clifford  L. Reynolds and D.I.Y. Home Warehouse,
                              Inc. dated May 28, 1998, incorporated herein
                              by reference to Exhibit 10.4 to the
                              Registrant's Report on Form 10-Q for the quarter
                              ended July 4, 1998.

                  10.1.10.c   Amendment No. 3 to Amended and Restated
                              Employment Agreement between Clifford L.
                              Reynolds and D.I.Y. Home Warehouse, Inc.
                              dated March 11, 1999, incorporated herein by
                              reference to Exhibit 10.69 to the Registrant's
                              Report on Form 10-K for the fiscal year ended
                              January 2, 1999.

                  10.1.10.d   Amendment No. 4 to Amended and Restated
                              Employment Agreement between Clifford L. Reynolds
                              and D.I.Y. Home Warehouse, Inc. dated
                              November 30, 1999, incorporated herein by
                              reference to Exhibit 10.1.10.d to the
                              Registrant's Report on Form 10-K for the fiscal
                              year ended January 1, 2000.

         10.1.11  Amended and Restated Employment Agreement between
                  R. Scott Eynon and D.I.Y. Home Warehouse, Inc. dated January
                  1, 1995, incorporated herein by reference to Exhibit 10.2 to
                  the Registrant's Report on Form 10-Q for the quarter ended
                  July 1, 1995.

                  10.1.11.a   Amended and Restated Employment Agreement between
                              R. Scott Eynon and D.I.Y. Home Warehouse, Inc.
                              dated May 28, 1998, incorporated herein by
                              reference to Exhibit 10.5 to the Registrant's
                              Report on Form 10-Q for the quarter ended July 4,
                              1998.

                  10.1.11.b   Amendment No. 2 to Amended and Restated
                              Employment Agreement between R. Scott Eynon and
                              D.I.Y. Home Warehouse, Inc. dated March 11,
                              1999, incorporated herein by reference to Exhibit
                              10.70 to the Registrant's Report on Form 10-K for
                              the fiscal year ended January 2, 1999.

                  10.1.11.c   Amendment No. 3 to Amended and Restated
                              Employment Agreement between R. Scott Eynon and
                              D.I.Y. Home Warehouse, Inc. dated November 30,
                              1999, incorporated herein by reference to Exhibit
                              10.1.11.c to the Registrant's Report on Form 10-K
                              for the fiscal year ended January 1, 2000.

         10.1.12  Amended and Restated Employment Agreement between Dennis C.
                  Hoff and D.I.Y. Home Warehouse, Inc. dated January 1, 1995,
                  incorporated herein by reference to Exhibit 10.3 to the
                  Registrant's Report on Form 10-Q for the quarter ended July 1,
                  1995.

                  10.1.12.a   Amended and Restated Employment Agreement
                              between Dennis C. Hoff and D.I.Y. Home Warehouse,
                              Inc. dated May 28, 1998, incorporated herein by
                              reference to Exhibit 10.6 to the Registrant's
                              Report on Form 10-Q for the quarter ended
                              July 4, 1998.



                                      9

<PAGE>   10
         10.1.13  Form of Non-Qualified Stock Option Agreement under the D.I.Y.
                  Home Warehouse, Inc. 1993 Long Term Incentive Plan as Amended,
                  incorporated herein by reference to Exhibit 10.14 to the
                  Registrant's Report on Form 10-K for the fiscal year ended
                  December 30, 1995.

         10.1.14  1995 D.I.Y. Home Warehouse, Inc. Employee Bonus Plan dated May
                  24, 1995, incorporated herein by reference to Exhibit 10.44 to
                  the Registrant's Report on Form 10-K for the fiscal year ended
                  December 30, 1995.

         10.1.15  D.I.Y. Home Warehouse, Inc. 1996 Retainer Stock Plan for
                  Non-Employee Directors, incorporated herein by reference to
                  Exhibit 10.49 to the Registrant's Report on Form 10-K for the
                  fiscal year ended December 30, 1995.

         10.1.16  Employment Agreement between Eric I. Glassman and D.I.Y. Home
                  Warehouse, Inc. dated July 1, 1998, incorporated herein by
                  reference to Exhibit 10.7 to the Registrant's Report on Form
                  10-Q for the quarter ended July 4, 1998.

         10.1.17  Transaction Bonus Agreement between Clifford L. Reynolds and
                  D.I.Y. Home Warehouse, Inc. dated July 1, 1998, incorporated
                  herein by reference to Exhibit 10.8 to the Registrant's Report
                  on Form 10-Q for the quarter ended July 4, 1998.

         10.1.18  Transaction Bonus Agreement between R. Scott Eynon and D.I.Y.
                  Home Warehouse, Inc. dated July 1, 1998, incorporated herein
                  by reference to Exhibit 10.9 to the Registrant's Report on
                  Form 10-Q for the quarter ended July 4, 1998.

         10.1.19  Transaction Bonus Agreement between Dennis C. Hoff and D.I.Y.
                  Home Warehouse, Inc. dated July 1, 1998, incorporated herein
                  by reference to Exhibit 10.10 to the Registrant's Report on
                  Form 10-Q for the quarter ended July 4, 1998.

         10.1.20  Transaction Bonus Agreement between Eric I. Glassman and
                  D.I.Y. Home Warehouse, Inc. dated July 1, 1998, incorporated
                  herein by reference to Exhibit 10.11 to the Registrant's
                  Report on Form 10-Q for the quarter ended July 4, 1998.

         10.1.21  Amendment No. 1 to Amended and Restated Employment Agreement
                  between Eric I. Glassman and D.I.Y. Home Warehouse, Inc. dated
                  March 11, 1999, incorporated herein by reference to Exhibit
                  10.71 to the Registrant's Report on Form 10-K for the fiscal
                  year ended January 2, 1999.

         10.1.22  DIY Home Warehouse, Inc. 1993 Long Term Incentive Plan as
                  Amended March 17, 1999 and Approved by the Board of Directors
                  March 17, 1999, incorporated herein by reference to Exhibit
                  10.13 to the Registrant's Report on Form 10-Q for the quarter
                  ended July 3, 1999.

10.2 Material Leases of the Registrant

         10.2.1   Sublease between D.I.Y. Ohio Real Estate Associates Limited
                  Partnership and D.I.Y. Home Warehouse, Inc., dated August 1,
                  1992, incorporated herein by reference to Exhibit 10.1 to the
                  Registrant's Registration Statement No. 33-60012 on Form S-1
                  filed May 18, 1993.

                                       10
<PAGE>   11
         10.2.2   Indenture of Lease between Smith - D.I.Y. Center Limited
                  Partnership and D.I.Y. Home Warehouse, Inc., dated December
                  27, 1985, incorporated herein by reference to Exhibit 10.2 to
                  the Registrant's Registration Statement No. 33-60012 on Form
                  S-1 filed May 18, 1993.

         10.2.3   Amendment to Lease between D.I.Y. Center Associates (successor
                  in interest to Smith - D.I.Y. Center Limited Partnership) and
                  D.I.Y. Home Warehouse, Inc., dated July 2, 1991, incorporated
                  herein by reference to Exhibit 10.3 to the Registrant's
                  Registration Statement No. 33-60012 on Form S-1 filed May 18,
                  1993.

                  10.2.3.a Amendment to Lease between D.I.Y. Center Associates,
                           L.P. and D.I.Y. Home Warehouse, Inc. dated March 21,
                           1995, incorporated herein by reference to Exhibit
                           10.51 to the Registrant's Report on Form 10-K for the
                           fiscal year ended December 31, 1994.

         10.2.4   Lease between Fred A. Erb and D.I.Y. Home Warehouse, Inc.,
                  dated March 1, 1993, incorporated herein by reference to
                  Exhibit 10.4 to the Registrant's Registration Statement No.
                  33-60012 on Form S-1 filed May 18, 1993.

         10.2.5   Lease Agreement between West Park Limited, Inc. and D.I.Y.
                  Home Warehouse, Inc. dated August 2, 1991, incorporated herein
                  by reference to Exhibit 10.5 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

                  10.2.5.a Addendum #1 to Lease Agreement between West Park
                           Limited, Inc. and D.I.Y. Home Warehouse, Inc., dated
                           September 2, 1991, incorporated herein by reference
                           to Exhibit 10.6 to the Registrant's Registration
                           Statement No. 33-60012 on Form S-1 filed May 18,
                           1993.

                  10.2.5.b Addendum #2 to Lease Agreement between West Park
                           Limited, Inc. and D.I.Y. Home Warehouse, Inc., dated
                           September 16, 1991, incorporated herein by reference
                           to Exhibit 10.7 to the Registrant's Registration
                           Statement No. 33-60012 on Form S-1 filed May 18,
                           1993.

         10.2.6   Sublease between The Wholesale Club, Inc. and D.I.Y. Home
                  Warehouse, Inc., dated May 14, 1992, incorporated herein by
                  reference to Exhibit 10.8 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

         10.2.7   Sublease between The Wholesale Club, Inc. and D.I.Y. Home
                  Warehouse, Inc., dated November 25, 1992, incorporated herein
                  by reference to Exhibit 10.9 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

         10.2.8   Lease between Myron S. Viny, dba Central Valley Properties,
                  and D.I.Y. Home Warehouse, Inc., dated February 26, 1993, but
                  effective beginning May 1, 1993, incorporated herein by
                  reference to Exhibit 10.12 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

                  10.2.8.a Modification and Supplement to lease between the
                           Estate of Myron S. Viny (formerly DBA Central Valley
                           Properties) and D.I.Y. Home Warehouse, Inc. dated
                           November 27, 1995, incorporated

                                       11
<PAGE>   12
                           herein by reference to Exhibit 10.12 to the
                           Registrant's Report on Form 10-K for the
                           fiscal year ended December 30, 1995.

                  10.2.8.b Modification and Supplement of lease between the
                           Estate of Myron S. Viny (formerly DBA Central Valley
                           Properties) and D.I.Y. Home Warehouse, Inc. dated
                           March 30, 2000, incorporated herein by reference to
                           Exhibit 10.2.8.b to the Registrant's Report on Form
                           10-Q for the quarter ended April 1, 2000.

         10.2.9   Agreement of Lease (Boardman Facility) between DIY Ohio Real
                  Estate Associates Limited Partnership and D.I.Y. Home
                  Warehouse, Inc. dated as of October 1, 1993, incorporated
                  herein by reference to Exhibit 10.38 to the Registrant's
                  Report on Form 10-K for the fiscal year ended January 1, 1994.

                  10.2.9.a Second Amendment to Agreement Lease (Boardman
                           facility) between D.I.Y. Home Warehouse, Inc. and
                           D.I.Y. Ohio Real Estate Associated Limited
                           Partnership (the Landlord) and assignment of the
                           lease to V&V 224, Limited by the Landlord dated
                           October 22, 1998, incorporated herein by reference to
                           Exhibit 10.9 to the Registrant's Report on Form 10-Q
                           for the quarter ended October 3, 1998.

         10.2.10  Lease between Elmhurst Properties, Inc. and D.I.Y. Home
                  Warehouse, Inc., dated May 26, 1993, incorporated herein by
                  reference to Exhibit 10.39 to the Registrant's Report on Form
                  10-K for the fiscal year ended January 1, 1994.

         10.2.11  Assignment and Assumption of Lease and Sublease between Kmart
                  Corporation and D.I.Y. Home Warehouse, Inc. dated December 22,
                  1994, incorporated herein by reference to Exhibit 10.49 to the
                  Registrant's Report on Form 10-K for the fiscal year ended
                  December 31, 1994.

         10.2.12  Shopping Center Lease between KCHGC, Inc. and D.I.Y. Home
                  Warehouse, Inc. dated January 12, 1995, incorporated herein by
                  reference to Exhibit 10.50 to the Registrant's Report on Form
                  10-K for the fiscal year ended December 31, 1994.

         10.2.13  Indenture of Lease between D.I.Y. Home Warehouse, Inc. and
                  Akron-Summit County Public Library dated March 8, 2001, filed
                  herewith.

10.3     Credit Agreements of the Registrant

         10.3.1   $1,250,000 Promissory Note from D.I.Y. Home Warehouse, Inc. to
                  Edgemere, Inc. f/k/a Erb Lumber Co., dated July 1, 1991,
                  incorporated herein by reference to Exhibit 10.29 to the
                  Registrant's Registration Statement No. 33-60012 on Form S-1
                  filed May 18, 1993.

         10.3.2   Security Agreement between D.I.Y. Home Warehouse and Erb
                  Lumber Co., dated November 14, 1985, incorporated herein by
                  reference to Exhibit 10.30 to the Registrant's Registration
                  Statement No. 33-60012 on Form S-1 filed May 18, 1993.

         10.3.3   Revolving Credit Agreement and Security Agreement dated
                  December 7, 1994 between D.I.Y. Home Warehouse, Inc. and
                  National City Bank, Columbus, and Old Kent Bank and Trust
                  Company, incorporated herein by reference to Exhibit 10.40 to
                  the Registrant's Report on Form 10-K for the fiscal year ended
                  December 31, 1994.

                                       12
<PAGE>   13
         10.3.4   Loan and Co-lender Agreement and Open-End Mortgage, Assignment
                  of Rents and Security Agreement dated December 23, 1994
                  between D.I.Y. Home Warehouse, Inc. and National City Bank,
                  Columbus, and Old Kent Bank and Trust Company, incorporated
                  herein by reference to Exhibit 10.41 to the Registrant's
                  Report on Form 10-K for the fiscal year ended December 31,
                  1994.

                  10.3.4.a First Amendment to Loan and Co-Lender Agreement dated
                           December 22, 1995 between D.I.Y. Home Warehouse,
                           National City Bank, Columbus, and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.41 to
                           the Registrant's Report on Form 10-K for the fiscal
                           year ended December 30, 1995.

                  10.3.4.b Second Amendment to Loan and Co-Lender Agreement
                           dated December 23, 1996 between D.I.Y. Home
                           Warehouse, Inc., National City Bank of Columbus and
                           Old Kent Bank, incorporated herein by reference to
                           Exhibit 10.52 to the Registrant's Report on Form 10-K
                           for the fiscal year ended December 28, 1996.

                  10.3.4.c Third Amendment to Loan and Co-Lender Agreement dated
                           October 24, 1997 between D.I.Y. Home Warehouse, Inc.,
                           National City Bank of Columbus and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.2 to
                           the Registrant's Report on Form 10-Q for the quarter
                           ended September 27, 1997.

                  10.3.4.d Fourth Amendment to Loan and Co-Lender Agreement
                           dated April 4, 1998 between D.I.Y. Home Warehouse,
                           Inc., National City Bank of Columbus and Old Kent
                           Bank, incorporated herein by reference to Exhibit
                           10.2 to the Registrant's Report on Form 10-Q for the
                           quarter ended July 4, 1998.

                  10.3.4.e Fifth Amendment to Loan and Co-Lender Agreement dated
                           October 28, 1998 between D.I.Y. Home Warehouse, Inc.,
                           National City Bank of Columbus and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.4 to
                           the Registrant's Report on Form 10-Q for the quarter
                           ended October 3, 1998.

         10.3.5   Line of Credit Agreement for Real Estate Loans, Open-end
                  Mortgage, Assignment of Rents and Security Agreement, and
                  Mortgage Notes between D.I.Y. Home Warehouse, Inc. and
                  National City Bank, Columbus and Old Kent Bank dated April 28,
                  1995, incorporated herein by reference to Exhibit 10.1 to the
                  Registrant's Report on Form 10-Q for the quarter ended April
                  1, 1995.

                  10.3.5.a First Amendment to Line of Credit Agreement; Open-end
                           Mortgage, Assignment of Rents and Security Agreement
                           (Leasehold) for Trumbull County; Open-end Mortgage,
                           Assignment of Rents and Security Agreement for Summit
                           County; Mortgage Note to National City Bank, Columbus
                           dated September 15, 1995; Mortgage Note to Old Kent
                           Bank dated September 15, 1995, incorporated herein by
                           reference to Exhibit 10.1 to the Registrant's Report
                           on Form 10-Q for the quarter ended September 30,
                           1995.

                  10.3.5.b Second Amendment to Line of Credit Agreement dated
                           December 22, 1995 between D.I.Y. Home Warehouse,
                           National City Bank, Columbus, and Old Kent Bank,
                           incorporated herein by reference

                                       13
<PAGE>   14
                           to Exhibit 10.39 to the Registrant's Report on Form
                           10-K for the fiscal year ended December 30, 1995.

                  10.3.5.c Third Amendment to Line of Credit Agreement Dated
                           December 23, 1996 between D.I.Y. Home Warehouse,
                           Inc., National City Bank of Columbus and Old Kent
                           Bank, incorporated herein by reference to Exhibit
                           10.53 to the Registrant's Report on Form 10-K for the
                           fiscal year ended December 28, 1996.

                  10.3.5.d Fourth Amendment to Line of Credit Agreement dated
                           October 24, 1997 between D.I.Y. Home Warehouse, Inc.,
                           National City Bank of Columbus and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.3 to
                           the Registrant's Report on Form 10-Q for the quarter
                           ended September 27, 1997.

                  10.3.5.e Fifth Amendment to Line of Credit Agreement dated
                           April 4, 1998 between D.I.Y. Home Warehouse, Inc.,
                           National City Bank of Columbus and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.1 to
                           the Registrant's Report on Form 10-Q for the quarter
                           ended July 4, 1998.

                  10.3.5.f Sixth Amendment to Line of Credit Agreement dated
                           October 28, 1998 between D.I.Y. Home Warehouse, Inc.,
                           National City Bank of Columbus and Old Kent Bank,
                           incorporated herein by reference to Exhibit 10.5 to
                           the Registrant's Report on Form 10-Q for the quarter
                           ended October 3, 1998.

         10.3.6   First Amendment to Security Agreement dated December 22, 1995
                  between D.I.Y. Home Warehouse, National City Bank, Columbus,
                  and Old Kent Bank, incorporated herein by reference to Exhibit
                  10.38 to the Registrant's Report on Form 10-K for the fiscal
                  year ended December 30, 1995.

         10.3.7   First Amendment to Subordination Agreement dated December 22,
                  1995 between D.I.Y. Home Warehouse, National City Bank,
                  Columbus, and Old Kent Bank, and Edgemere Enterprises, Inc.,
                  incorporated herein by reference to Exhibit 10.39 to the
                  Registrant's Report on Form 10-K for the fiscal year ended
                  December 30, 1995.

         10.3.8   Partial Release of Mortgage to Open-End Mortgage Assignment of
                  Rents and Security Agreement for Richland County, Stark
                  County, Summit County, Trumball County and Medina County by
                  Old Kent Bank dated October 28, 1998, incorporated herein by
                  reference to Exhibit 10.6 to the Registrant's Report on Form
                  10-Q for the quarter ended October 3, 1998.

         10.3.9   Modification to Revolving Credit Agreement, Line of Credit
                  Agreement, and Loan and Co-lender Agreement between D.I.Y.
                  Home Warehouse, Inc., National City Bank, Columbus, and Old
                  Kent Bank dated February 20, 1996, incorporated herein by
                  reference to Exhibit 10.42 to the Registrant's Report on Form
                  10-K for the fiscal year ended December 30, 1995.

         10.3.10  General Business Lease Agreement with IBM Credit Corporation
                  dated May 30, 1996, incorporated herein by reference to
                  Exhibit 10.1 to the Registrant's Report on Form 10-Q for the
                  quarter ended June 29, 1996.

         10.3.11  Amendment No. 1 to Open-End Mortgage, Assignment of Rents and
                  Security Agreement for Richland County, Stark County, Summit
                  County, Trumball

                                       14
<PAGE>   15
                  County and Medina County between D.I.Y. Home Warehouse, Inc.,
                  National City Bank and Old Kent Bank dated October 28, 1998,
                  incorporated herein by reference to Exhibit 10.7 to the
                  Registrant's Report on Form 10-Q for the quarter ended October
                  3, 1998.

         10.3.12  First Amendment to Mortgage Note between D.I.Y. Home
                  Warehouse, Inc. and National City Bank dated October 28, 1998,
                  incorporated herein by reference to Exhibit 10.8 to the
                  Registrant's Report on Form 10-Q for the quarter ended October
                  3, 1998.

         10.3.13  Second Amendment to Security Agreement dated October 28, 1998
                  between D.I.Y. Home Warehouse, Inc., National City Bank and
                  Old Kent Bank, incorporated herein by reference to Exhibit
                  10.9 to the Registrant's Report on Form 10-Q for the quarter
                  ended October 3, 1998.

         10.3.14  Second Amendment to Subordination Agreement dated October 28,
                  1998 between D.I.Y. Home Warehouse, Inc., National City Bank
                  and Old Kent Bank, incorporated herein by reference to Exhibit
                  10.3 to the Registrant's Report on Form 10-Q for the quarter
                  ended October 3, 1998.

         10.3.15  Credit and Security Agreement dated October 27, 1998 among
                  D.I.Y. Home Warehouse, Inc. and the Lenders which are
                  signatures hereto and National City Commercial Finance, Inc,
                  as agent and National City Bank as Letter of Credit Bank,
                  incorporated herein by reference to Exhibit 10.1 to the
                  Registrant's Report on Form 10-Q for the quarter ended October
                  3, 1998.

                  10.3.15.a Waiver and Amendment to Credit and Security
                            Agreement dated November 14, 2000 between D.I.Y.
                            Home Warehouse, Inc. and National City Commercial
                            Finance, Inc., filed herewith.

10.4     Real Estate Purchase Agreement (Mansfield) between DIY Ohio Real Estate
         Associates Limited Partnership and D.I.Y. Home Warehouse, Inc. dated as
         of March 1, 1994, incorporated herein by reference to Exhibit 10.40 to
         the Registrant's Report on Form 10-K for the fiscal year ended January
         1, 1994.

10.5     Real Estate Purchase Agreement (Mansfield and Canton) between D.I.Y.
         Home Warehouse, Inc. and Gabriel Brothers, Inc. dated March 3, 1999,
         incorporated herein by reference to Exhibit 10.5 to the Registrant's
         Report on Form 10-K for the fiscal year ended January 1, 2000.

10.6     Sale of Merchandise Agreement (Mansfield and West Market) between D.I.Y
         Home Warehouse, Inc. and Schottenstein Bernstein Capital Group, LLC,
         dated June 3 1999, incorporated herein by reference to Exhibit 10.6 to
         the Registrant's Report on Form 10-K for the fiscal year ended January
         1, 2000.

10.7     Sale of Merchandise Agreement (Boardman) between D.I.Y Home Warehouse,
         Inc. and Schottenstein Bernstein Capital Group, LLC, dated June 11,
         1999, incorporated herein by reference to Exhibit 10.7 to the
         Registrant's Report on Form 10-K for the fiscal year ended January 1,
         2000.

10.8     Sale of Merchandise Agreement (North Randall and Tallmadge Avenue)
         between D.I.Y. Home Warehouse, Inc. and Schottenstein Bernstein Capital
         Group, LLC, dated August 4, 2000, incorporated herein by reference to
         Exhibit 10.8 to the Registrant's Report on Form 10-Q for the quarter
         ended September 30, 2000.

                                       15
<PAGE>   16

13.1     Annual Report to the Shareholders of D.I.Y. Home Warehouse, Inc. for
         the fiscal year ended December 30, 2000, certain portions of which are
         incorporated by reference herein.

23.1     Consent of PricewaterhouseCoopers LLP, filed herewith.

(b)      Reports on Form 8-K:

         None.
                                       16
<PAGE>   17
                                   SIGNATURES


         Pursuant to the requirements of Section 13 or 15(d) 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.


Date:  March 23, 2001                        D.I.Y. HOME WAREHOUSE, INC.

                                             By:  /s/ FRED A. ERB
                                                 ----------------
                                             Fred A. Erb,
                                             Chairman of the Board of Directors


         Pursuant to the requirements of the Securities Exchange Act of 1934,
this Annual Report on Form 10-K has been signed by the following persons on
behalf of the registrant and in the capacities and on the dates indicated.


/s/ FRED A. ERB
-----------------
Fred A. Erb
Chairman of the Board of Directors
Dated:  March 23, 2001


/s/ CLIFFORD L. REYNOLDS
------------------------
Clifford L. Reynolds
Director and President
(principal executive officer)
Dated:  March 23, 2001


/s/ R. SCOTT EYNON
-----------------
R. Scott Eynon
Vice President-Operations and Director
Dated:  March 23, 2001


/s/ JOHN M. ERB
-----------------
John M. Erb
Secretary and Director
Dated:  March 23, 2001


/s/ TODD R. AYERS
-----------------
Todd R. Ayers
Controller
Dated:  March 23, 2001

                                       17
<PAGE>   18
                           D.I.Y. Home Warehouse, Inc.

        Exhibits to Form 10-K for the Fiscal Year Ended December 30, 2000

                                Index to Exhibits



Where
Filed
-----
  *      3.1      Articles of Incorporation of D.I.Y. Home Warehouse, Inc., as
                  amended, incorporated herein by reference to Exhibit 3.1 to
                  the Registrant's Registration Statement No. 33-60012 on Form
                  S-1 filed May 18, 1993.

  *      3.2      Amended and Restated Code of Regulations of D.I.Y. Home
                  Warehouse, Inc., incorporated herein by reference to Exhibit
                  3.2 to the Registrant's Registration Statement No. 33-60012 on
                  Form S-1 filed May 18, 1993.

         10.1     Compensation and Employee Benefit Plans of the Registrant

  *               10.1.1   D.I.Y. Home Warehouse, Inc. 1993 Long Term Incentive
                           Plan as Amended February 23, 1994 and Approved by
                           Stockholders May 25, 1994, incorporated herein by
                           reference to Exhibit 10.18 to the Registrant's
                           Registration Statement No. 33-60012 on Form S-1 filed
                           May 18, 1993.

  *               10.1.2   Indemnification Agreement between D.I.Y. Home
                           Warehouse, Inc. and Clifford L. Reynolds,
                           incorporated herein by reference to Exhibit 10.22 to
                           the Registrant's Registration Statement No. 33-60012
                           on Form S-1 filed May 18, 1993.

  *               10.1.3   Indemnification Agreement between D.I.Y. Home
                           Warehouse, Inc. and R. Scott Eynon, incorporated
                           herein by reference to Exhibit 10.23 to the
                           Registrant's Registration Statement No. 33-60012 on
                           Form S-1 filed May 18, 1993.

  *               10.1.4   Indemnification Agreement between D.I.Y. Home
                           Warehouse, Inc. and Dennis C. Hoff, incorporated
                           herein by reference to Exhibit 10.24 to the
                           Registrant's Registration Statement No. 33-60012 on
                           Form S-1 filed May 18, 1993.

  *               10.1.5   Indemnification Agreement between D.I.Y. Home
                           Warehouse, Inc. and John M. Erb, incorporated herein
                           by reference to Exhibit 10.25 to the Registrant's
                           Registration Statement No. 33-60012 on Form S-1 filed
                           May 18, 1993.

  *               10.1.6   Indemnification Agreement between D.I.Y. Home
                           Warehouse, Inc. and Fred A. Erb, incorporated herein
                           by reference to Exhibit 10.26 to the Registrant's
                           Registration Statement No. 33-60012 on Form S-1 filed
                           May 18, 1993.

  *               10.1.7   Tax Indemnification Agreement among D.I.Y. Home
                           Warehouse, Inc. and Fred A. Erb, Clifford L.
                           Reynolds, R. Scott Eynon, Dennis C. Hoff and John M.
                           Erb, incorporated herein by reference to
                           Exhibit 10.27 to the Registrant's Registration
                           Statement No. 33-60012 on Form S-1 filed May 18,
                           1993.

  *               10.1.8   D.I.Y. Home Warehouse, Inc.'s 401K Plan, incorporated
                           herein by reference to Exhibit 10.28 to the
                           Registrant's Registration Statement No. 33-60012 on
                           Form S-1 filed May 18, 1993.


<PAGE>   19


  *               10.1.9    1994 D.I.Y. Home Warehouse, Inc. Employee Bonus Plan
                            dated May 25, 1994, incorporated herein by reference
                            to Exhibit 10.48 to the Registrant's Report on Form
                            10-K for the fiscal year ended December 31, 1994.

  *               10.1.10   Amended and Restated Employment Agreement between
                            Clifford L. Reynolds and D.I.Y. Home Warehouse, Inc.
                            dated January 1, 1995, incorporated herein by
                            reference to Exhibit 10.1 to the Registrant's Report
                            on Form 10-Q for the quarter ended July 1, 1995.

  *                         10.1.10.a   Amended and Restated Employment
                                        Agreement between Clifford L. Reynolds
                                        and D.I.Y. Home Warehouse,  Inc. dated
                                        November 21, 1996, incorporated
                                        herein by reference to Exhibit 10.51 to
                                        the Registrant's Report on Form 10-K for
                                        the fiscal year ended December 28, 1996.

  *                         10.1.10.b   Amended and Restated Employment
                                        Agreement between Clifford L. Reynolds
                                        and D.I.Y. Home Warehouse, Inc. dated
                                        May 28, 1998, incorporated herein
                                        by reference to Exhibit 10.4 to the
                                        Registrant's Report on Form 10-Q for
                                        the quarter ended July 4, 1998.

  *                         10.1.10.c   Amendment No. 3 to Amended and Restated
                                        Employment Agreement between Clifford L.
                                        Reynolds and D.I.Y. Home Warehouse, Inc.
                                        dated March 11, 1999, incorporated
                                        herein by reference to Exhibit 10.69 to
                                        the Registrant's Report on Form 10-K for
                                        the fiscal year ended January 2, 1999.

  *                         10.1.10.d   Amendment No. 4 to Amended and Restated
                                        Employment Agreement between Clifford L.
                                        Reynolds and D.I.Y. Home Warehouse, Inc.
                                        dated November 30, 1999, incorporated
                                        herein by reference to Exhibit 10.1.10.d
                                        to the Registrant's Report on Form 10-K
                                        for the fiscal year ended January 1,
                                        2000.

  *               10.1.11   Amended and Restated Employment Agreement between R.
                            Scott Eynon and D.I.Y. Home Warehouse, Inc. dated
                            January 1, 1995, incorporated herein by reference to
                            Exhibit 10.2 to the Registrant's Report on Form 10-Q
                            for the quarter ended July 1, 1995.

  *                         10.1.11.a   Amended and Restated Employment
                                        Agreement between R. Scott Eynon and
                                        D.I.Y. Home Warehouse, Inc. dated
                                        May 28, 1998, incorporated herein by
                                        reference to Exhibit 10.5 to the
                                        Registrant's Report on Form 10-Q for the
                                        quarter ended July 4, 1998.

  *                         10.1.11.b   Amendment No. 2 to Amended and Restated
                                        Employment Agreement between R. Scott
                                        Eynon and D.I.Y. Home Warehouse, Inc.
                                        dated March 11, 1999, incorporated
                                        herein by reference to Exhibit 10.70 to
                                        the Registrant's Report on Form 10-K for
                                        the fiscal year ended January 2, 1999.

  *                         10.1.11.c   Amendment No. 3 to Amended and Restated
                                        Employment Agreement between R. Scott
                                        Eynon and D.I.Y. Home Warehouse, Inc.
                                        dated November 30, 1999, incorporated
                                        herein by reference to Exhibit 10.1.11.c
                                        to the Registrant's Report on Form 10-k
                                        for the fiscal year ended January 1,
                                        2000.


<PAGE>   20

  *               10.1.12   Amended and Restated Employment Agreement between
                            Dennis C. Hoff and D.I.Y. Home Warehouse, Inc. dated
                            January 1, 1995, incorporated herein by reference to
                            Exhibit 10.3 to the Registrant's Report on Form 10-Q
                            for the quarter ended July 1, 1995.

  *                         10.1.12.a   Amended and Restated Employment
                                        Agreement between Dennis C. Hoff and
                                        D.I.Y. Home Warehouse, Inc.
                                        dated May 28,  1998, incorporated herein
                                        by reference to Exhibit 10.6 to the
                                        Registrant's Report on Form 10-Q for the
                                        quarter ended July 4, 1998.

  *               10.1.13   Form of Non-Qualified Stock Option Agreement under
                            the D.I.Y. Home Warehouse, Inc. 1993 Long Term
                            Incentive Plan as Amended, incorporated herein by
                            reference to Exhibit 10.14 to the Registrant's
                            Report on Form 10-K for the fiscal year ended
                            December 30, 1995.

  *               10.1.14   1995 D.I.Y. Home Warehouse, Inc. Employee Bonus Plan
                            dated May 1995, incorporated herein by reference to
                            Exhibit 10.44 to the Registrant's Report on Form
                            10-K for the fiscal year ended December 30, 1995.

  *               10.1.15   D.I.Y. Home Warehouse, Inc. 1996 Retainer Stock Plan
                            for Non-Employee Directors, incorporated herein by
                            reference to Exhibit 10.49 to the Registrant's
                            Report on Form 10-K for the fiscal the fiscal year
                            ended December 30, 1995.

  *               10.1.16   Employment Agreement between Eric I. Glassman and
                            D.I.Y. Home Warehouse, Inc. dated July 1, 1998,
                            incorporated herein by reference to Exhibit 10.7 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended July 4, 1998.

  *               10.1.17   Transaction Bonus Agreement between Clifford L.
                            Reynolds and D.I.Y. Home Warehouse, Inc. dated July
                            1, 1998, incorporated herein by reference to Exhibit
                            10.8 to the Registrant's Report on Form 10-Q for the
                            quarter ended July 4, 1998.

  *               10.1.18   Transaction Bonus Agreement between R. Scott Eynon
                            and D.I.Y. Home Warehouse, Inc. dated July 1, 1998,
                            incorporated herein by reference to Exhibit 10.9 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended July 4, 1998.

  *               10.1.19   Transaction Bonus Agreement between Dennis C. Hoff
                            and D.I.Y. Home Warehouse, Inc. dated July 1, 1998,
                            incorporated herein by reference to Exhibit 10.10 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended July 4, 1998.

  *               10.1.20   Transaction Bonus Agreement between Eric I. Glassman
                            and D.I.Y. Home Warehouse, Inc. dated July 1, 1998,
                            incorporated herein by reference to Exhibit 10.11 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended July 4, 1998.

  *               10.1.21   Amendment No. 1 to Amended and Restated Employment
                            Agreement between Eric I. Glassman and D.I.Y. Home
                            Warehouse, Inc. dated March 11, 1999, incorporated
                            herein by reference to Exhibit 10.71 to the
                            Registrant's Report on Form 10-K for the fiscal year
                            ended January 2, 1999.

  *               10.1.22   DIY Home Warehouse, Inc. 1993 Long Term Incentive
                            Plan as Amended March 17, 1999 and Approved by the
                            Board of Directors March 17, 1999, incorporated


<PAGE>   21
                            herein by reference to Exhibit 10.13 to the
                            Registrant's Report on Form 10-Q for the quarter
                            ended July 3, 1999.

         10.2     Material Leases of the Registrant

   *              10.2.1    Sublease between D.I.Y. Ohio Real Estate Associates
                            Limited Partnership and D.I.Y. Home Warehouse, Inc.,
                            dated August 1, 1992, incorporated herein by
                            reference to Exhibit 10.1 to the Registrant's
                            Registration Statement No. 33-60012 on Form S-1
                            filed May 18, 1993.

   *              10.2.2    Indenture of Lease between Smith - D.I.Y. Center
                            Limited Partnership and D.I.Y. Home Warehouse, Inc.,
                            dated December 27, 1985, incorporated herein by
                            reference to Exhibit 10.2 to the Registrant's
                            Registration Statement No. 33-60012 on Form S-1
                            filed May 18, 1993.

   *              10.2.3    Amendment to Lease between D.I.Y. Center Associates
                            (successor in interest to Smith - D.I.Y. Center
                            Limited Partnership) and D.I.Y. Home Warehouse,
                            Inc., dated July 2, 1991, incorporated herein by
                            reference to Exhibit 10.3 to the Registrant's
                            Registration Statement No. 33-60012 on Form S-1
                            filed May 18, 1993.

   *                        10.2.3.a    Amendment to Lease between D.I.Y. Center
                                        Associates, L.P. and D.I.Y. Home
                                        Warehouse, Inc. dated March 21, 1995,
                                        incorporated herein by reference to
                                        Exhibit 10.51 to the Registrant's
                                        Report on Form 10-K for the
                                        fiscal year ended December 31, 1994.

   *              10.2.4    Lease between Fred A. Erb and D.I.Y. Home Warehouse,
                            Inc., dated March 1, 1993, incorporated herein by
                            reference to Exhibit 10.4 to the Registrant's
                            Registration Statement No. 33-60012 on Form S-1
                            filed May 18, 1993.

   *              10.2.5    Lease Agreement between West Park Limited, Inc. and
                            D.I.Y. Home Warehouse, Inc. dated August 2, 1991,
                            incorporated herein by reference to Exhibit 10.5 to
                            the Registrant's Registration Statement No. 33-60012
                            on Form S-1 filed May 18, 1993.

   *                        10.2.5.a    Addendum #1 to Lease Agreement between
                                        West Park Limited, Inc. and D.I.Y. Home
                                        Warehouse, Inc., dated September 2,
                                        1991, incorporated herein by reference
                                        to Exhibit 10.6 to the Registrant's
                                        Registration Statement No. 33-60012 on
                                        Form S-1 filed May 18, 1993.

   *                        10.2.5.b    Addendum #2 to Lease Agreement between
                                        West Park Limited, Inc. and D.I.Y. Home
                                        Warehouse, Inc., dated September 16,
                                        1991, Incorporated herein by reference
                                        to Exhibit 10.7 to the Registrant's
                                        Registration Statement No. 33-60012 on
                                        Form S-1 filed May 18, 1993.

   *              10.2.6    Sublease between The Wholesale Club, Inc. and D.I.Y.
                            Home Warehouse, Inc., dated May 14, 1992,
                            incorporated herein by reference to Exhibit 10.8 to
                            the Registrant's Registration Statement No. 33-60012
                            on Form S-1 filed May 18, 1993.

   *              10.2.7    Sublease between The Wholesale Club, Inc. and D.I.Y.
                            Home Warehouse, Inc., dated November 25, 1992,
                            incorporated herein by reference to Exhibit 10.9 to
                            the Registrant's Registration Statement No. 33-60012
                            on Form S-1 filed May 18, 1993.


<PAGE>   22
    *             10.2.8    Lease between Myron S. Viny, dba Central Valley
                            Properties, and D.I.Y. Home Warehouse, Inc., dated
                            February 26, 1993, but effective beginning May 1,
                            1993, incorporated herein by reference to Exhibit
                            10.12 to the Registrant's Registration Statement No.
                            33-60012 on Form S-1 filed May 18, 1993.

    *                       10.2.8.a    Modification and Supplement to lease
                                        between the Estate of Myron S. Viny
                                        (formerly DBA Central Valley Properties)
                                        and D.I.Y. Home Warehouse, Inc. dated
                                        November 27, 1995, incorporated herein
                                        by reference to Exhibit 10.12 to the
                                        Registrant's Report on Form 10-K for
                                        the fiscal year ended December 30,
                                        1995.

    *                       10.2.8.b    Modification and Supplement of lease
                                        between the Estate of Myron S. Viny
                                        (formerly DBA Central Valley Properties)
                                        and D.I.Y. Home Warehouse, Inc. dated
                                        March 30, 2000, incorporated herein by
                                        reference to Exhibit 10.2.8.b to the
                                        Registrant's Report on Form 10-Q for the
                                        quarter ended April 1, 2000.

    *             10.2.9    Agreement of Lease (Boardman Facility) between DIY
                            Ohio Real Estate Associates Limited Partnership and
                            D.I.Y. Home Warehouse, Inc. dated as of October 1,
                            1993, incorporated herein by reference to Exhibit
                            10.38 to the Registrant's Report on Form 10-K for
                            the fiscal year ended January 1, 1994.


    *                       10.2.9.a    Second Amendment to Agreement Lease
                                        (Boardman facility) between D.I.Y. Home
                                        Warehouse, Inc. and D.I.Y. Ohio Real
                                        Estate Associated Limited Partnership
                                        (the Landlord) and assignment of the
                                        lease to V&V 224, Limited by the
                                        Landlord dated October 22, 1998,
                                        incorporated herein by reference to
                                        Exhibit 10.9 to the Registrant's Report
                                        on Form 10-Q for the quarter ended
                                        October 3, 1998.

    *             10.2.10   Lease between Elmhurst Properties, Inc. and D.I.Y.
                            Home Warehouse, Inc., dated May 26, 1993,
                            incorporated herein by reference to Exhibit 10.39 to
                            the Registrant's Report on Form 10-K for the fiscal
                            year ended January 1, 1994.

    *             10.2.11   Assignment and Assumption of Lease and Sublease
                            between Kmart Corporation and D.I.Y. Home Warehouse,
                            Inc. dated December 22, 1994, incorporated herein by
                            reference to Exhibit 10.49 to the Registrant's
                            Report on Form 10-K for the fiscal year ended
                            December 31, 1994.

    *             10.2.12   Shopping Center Lease between KCHGC, Inc. and D.I.Y.
                            Home Warehouse, Inc. dated January 12, 1995,
                            incorporated herein by reference to Exhibit 10.50 to
                            the Registrant's Report on Form 10-K for the fiscal
                            year ended December 31, 1994.

    **            10.2.13   Indenture of Lease between D.I.Y. Home Warehouse,
                            Inc. and Akron-Summit County Public Library dated
                            March 8, 2001, filed herewith.

         10.3     Credit Agreements of the Registrant

    *             10.3.1    $1,250,000 Promissory Note from D.I.Y. Home
                            Warehouse, Inc. to Edgemere, Inc. f/k/a Erb Lumber
                            Co., dated July 1, 1991, incorporated herein by
                            reference to Exhibit 10.29 to the Registrant's
                            Registration Statement No. 33-60012 on Form S-1
                            filed May 18, 1993.
<PAGE>   23
    *             10.3.2    Security Agreement between D.I.Y. Home Warehouse and
                            Erb Lumber Co., dated November 14, 1985,
                            incorporated herein by reference to Exhibit 10.30 to
                            the Registrant's Registration Statement No. 33-60012
                            on Form S-1 filed May 18, 1993.

    *             10.3.3    Revolving Credit Agreement and Security Agreement
                            dated December 7, 1994 between D.I.Y. Home
                            Warehouse, Inc. and National City Bank, Columbus,
                            and Old Kent Bank and Trust Company, incorporated
                            herein by reference to Exhibit 10.40 to the
                            Registrant's Report on Form 10-K for the fiscal year
                            ended December 31, 1994.

    *             10.3.4    Loan and Co-lender Agreement and Open-End Mortgage,
                            Assignment of Rents and Security Agreement dated
                            December 23, 1994 between D.I.Y. Home Warehouse,
                            Inc. and National City Bank, Columbus, and Old Kent
                            Bank and Trust Company, incorporated herein by
                            reference to Exhibit 10.41 to the Registrant's
                            Report on Form 10-K for the fiscal year ended
                            December 31, 1994.

   *                        10.3.4.a    First Amendment to Loan and Co-Lender
                                        Agreement dated December 22, 1995
                                        between D.I.Y. Home Warehouse, National
                                        City Bank, Columbus, and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.41 to the Registrant's Report
                                        on Form 10-K for the fiscal year ended
                                        December 30, 1995

    *                       10.3.4.b    Second Amendment to Loan and Co-Lender
                                        Agreement dated December 23, 1996
                                        between D.I.Y. Home Warehouse, Inc.,
                                        National City Bank of Columbus and Old
                                        Kent Bank, incorporated herein by
                                        reference to Exhibit 10.52 to the
                                        Registrant's Report on Form 10-K for the
                                        fiscal year ended December 28, 1996.

    *                       10.3.4.c    Third Amendment to Loan and Co-Lender
                                        Agreement dated October 24, 1997 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.2 to the Registrant's Report
                                        on Form 10-Q for the quarter ended
                                        September 27, 1997.

    *                       10.3.4.d    Fourth Amendment to Loan and Co-Lender
                                        Agreement dated April 4, 1998 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.2 to the Registrant's Report
                                        on Form 10-Q for the quarter ended July
                                        4, 1998.

    *                       10.3.4.e    Fifth Amendment to Loan and Co-Lender
                                        Agreement dated October 28, 1998 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.4 to the Registrant's Report
                                        on Form 10-Q for the quarter ended
                                        October 3, 1998.

    *             10.3.5    Line of Credit Agreement for Real Estate Loans,
                            Open-end Mortgage, Assignment of Rents and Security
                            Agreement, and Mortgage Notes between D.I.Y. Home
                            Warehouse, Inc. and National City Bank, Columbus and
                            Old Kent Bank dated April 28, 1995, incorporated
                            herein by reference to Exhibit 10.1 to the
                            Registrant's Report on Form 10-Q for the quarter
                            ended April 1, 1995.

    *                       10.3.5.a    First Amendment to Line of Credit
                                        Agreement; Open-end Mortgage, Assignment
                                        of Rents and Security Agreement
                                        (Leasehold) for Trumbull County;
                                        Open-end Mortgage, Assignment
<PAGE>   24

                                        of Rents and Security Agreement for
                                        Summit County; Mortgage Note to National
                                        City Bank, Columbus dated September 15,
                                        1995; Mortgage Note to Old Kent Bank
                                        dated September 15, 1995, incorporated
                                        herein by reference to Exhibit 10.1 to
                                        the Registrant's Report on Form 10-Q for
                                        the quarter ended September 30, 1995.

   *                        10.3.5.b    Second Amendment to Line of Credit
                                        Agreement dated December 22, 1995
                                        between D.I.Y. Home Warehouse, National
                                        City Bank, Columbus, and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.39 to the Registrant's Report
                                        on Form 10-K for the fiscal year ended
                                        December 30, 1995.

   *                        10.3.5.c    Third Amendment to Line of Credit
                                        Agreement Dated December 23, 1996
                                        between D.I.Y. Home Warehouse, Inc.,
                                        National City Bank of Columbus and Old
                                        Kent Bank, incorporated herein by
                                        reference to Exhibit 10.53 to the
                                        Registrant's Report on Form 10-K for the
                                        fiscal year ended December 28, 1996.

   *                        10.3.5.d    Fourth Amendment to Line of Credit
                                        Agreement dated October 24, 1997 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.3 to the Registrant's Report
                                        on Form 10-Q for the quarter ended
                                        September 27, 1997.

   *                        10.3.5.e    Fifth Amendment to Line of Credit
                                        Agreement dated April 4, 1998 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.1 to the Registrant's Report
                                        on Form 10-Q for the quarter ended July
                                        4, 1998.

   *                        10.3.5.f    Sixth Amendment to Line of Credit
                                        Agreement dated October 28, 1998 between
                                        D.I.Y. Home Warehouse, Inc., National
                                        City Bank of Columbus and Old Kent Bank,
                                        incorporated herein by reference to
                                        Exhibit 10.5 to the Registrant's Report
                                        on Form 10-Q for the quarter ended
                                        October 3, 1998.

   *             10.3.6     First Amendment to Security Agreement dated
                            December 22, 1995 between D.I.Y. Home Warehouse,
                            National City Bank, Columbus, and Old Kent Bank,
                            incorporated herein by reference to Exhibit 10.38 to
                            the Registrant's Report on Form 10-K for the fiscal
                            year ended December 30, 1995.

   *             10.3.7     First Amendment to Subordination Agreement dated
                            December 22, 1995 between D.I.Y. Home Warehouse,
                            National City Bank, Columbus, and Old Kent Bank, and
                            Edgemere Enterprises, Inc., incorporated herein by
                            reference to Exhibit 10.39 to the Registrant's
                            Report on Form 10-K for the fiscal year ended
                            December 30, 1995.

   *             10.3.8     Partial Release of Mortgage to Open-End Mortgage
                            Assignment of Rents and Security Agreement for
                            Richland County, Stark County, Summit County,
                            Trumball County and Medina County by Old Kent Bank
                            dated October 28, 1998, incorporated herein by
                            reference to Exhibit 10.6 to the Registrant's Report
                            on Form 10-Q for the quarter ended October 3, 1998.

   *             10.3.9     Modification to Revolving Credit Agreement, Line of
                            Credit Agreement, and Loan and Co-lender Agreement
                            between D.I.Y. Home Warehouse, Inc., National City
                            Bank, Columbus, and Old Kent Bank dated February 20,
                            1996,

<PAGE>   25
                            incorporated herein by reference to Exhibit 10.42 to
                            the Registrant's Report on Form 10-K for the fiscal
                            year ended December 30, 1995.

   *             10.3.10    General Business Lease Agreement with IBM Credit
                            Corporation dated May 30, 1996, incorporated
                            herein by reference to Exhibit 10.1 to the
                            Registrant's Report on Form 10-Q for the quarter
                            ended June 29, 1996.

   *             10.3.11    Amendment No. 1 to Open-End Mortgage, Assignment of
                            Rents and Security Agreement for Richland County,
                            Stark County, Summit County, Trumball County and
                            Medina County between D.I.Y. Home Warehouse, Inc.,
                            National City Bank and Old Kent Bank dated October
                            28, 1998, incorporated herein by reference to
                            Exhibit 10.7 to the Registrant's Report on Form 10-Q
                            for the quarter ended October 3, 1998.

   *             10.3.12    First Amendment to Mortgage Note between D.I.Y. Home
                            Warehouse, Inc. and National City Bank dated October
                            28, 1998, incorporated herein by reference to
                            Exhibit 10.8 to the Registrant's Report on Form 10-Q
                            for the quarter ended October 3, 1998.

   *             10.3.13    Second Amendment to Security Agreement dated
                            October 28, 1998 between D.I.Y. Home Warehouse,
                            Inc., National City Bank and Old Kent Bank,
                            incorporated herein by reference to Exhibit 10.9 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended October 3, 1998.

   *             10.3.14    Second Amendment to Subordination Agreement dated
                            October 28, 1998 between D.I.Y. Home Warehouse,
                            Inc., National City Bank and Old Kent Bank,
                            incorporated herein by reference to Exhibit 10.3 to
                            the Registrant's Report on Form 10-Q for the quarter
                            ended October 3, 1998.

   *             10.3.15    Credit and Security Agreement dated October 27, 1998
                            among D.I.Y. Home Warehouse, Inc. and the Lenders
                            which are signatures hereto and National City
                            Commercial Finance, Inc. as agent and National City
                            Bank as Letter of Credit Bank, incorporated herein
                            by reference to Exhibit 10.1 to the Registrant's
                            Report on Form 10-Q for the quarter ended October 3,
                            1998.

   **                       10.3.15.a   Waiver and Amendment to Credit and
                                        Security Agreement dated November 14,
                                        2000 between D.I.Y. Home Warehouse, Inc.
                                        and National City Commercial Finance,
                                        Inc., filed herewith.

   *    10.4      Real Estate Purchase Agreement (Mansfield) between DIY Ohio
                  Real Estate Associates Limited Partnership and D.I.Y. Home
                  Warehouse, Inc. dated as of March 1, 1994, incorporated herein
                  by reference to Exhibit 10.40 to the Registrant's Report on
                  Form 10-K for the fiscal year ended January 1, 1994.

   *    10.5      Real Estate Purchase Agreement (Mansfield and Canton) between
                  D.I.Y. Home Warehouse, Inc. and Gabriel Brothers, Inc. dated
                  March 3, 1999, incorporated herein by reference to Exhibit
                  10.5 to the Registrant's Report on Form 10-K for the fiscal
                  year ended January 1, 2000.

   *    10.6      Sale of Merchandise Agreement (Mansfield and West Market)
                  between D.I.Y. Home Warehouse, Inc. and Schottenstein
                  Bernstein Capital Group, LLC, dated June 3 1999, incorporated
                  herein by reference to Exhibit 10.6 to the Registrant's Report
                  on Form 10-K for the fiscal year ended January 1, 2000.

   *    10.7      Sale of Merchandise Agreement (Boardman) between D.I.Y. Home
                  Warehouse, Inc. and Schottenstein Bernstein Capital Group,
                  LLC, dated June 11, 1999, incorporated herein by


<PAGE>   26
                  reference to Exhibit 10.7 to the Registrant's Report on Form
                  10-K for the fiscal year ended January 1, 2000.

  *     10.8      Sale of Merchandise Agreement (North Randall and Tallmadge
                  Avenue) between D.I.Y. Home Warehouse, Inc. and Schottenstein
                  Bernstein Capital Group, LLC, dated August 4, 2000,
                  incorporated herein by reference to Exhibit 10.8 to the
                  Registrant's Report on Form 10-Q for the quarter ended
                  September 30, 2000.

  **    13.1      Annual Report to the Shareholders of D.I.Y. Home Warehouse,
                  Inc. for the fiscal year ended December 30, 2000, certain
                  portions of which are incorporated by reference herein.

  **    23.1      Consent of PricewaterhouseCoopers LLP, filed herewith.


------------------

    *    Previously filed
    **   Filed herewith