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

                          FORM 10-QSB

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

       For the Quarterly Period Ended March 31, 2003

                OR

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

Commission File No. 0-25803

             AMERICA'S SENIOR FINANCIAL SERVICES, INC.
 -----------------------------------------------------------------
(Exact name of small business issuer as specified in its charter)

                    Florida	               65-0181535
-----------------------------------	-----------------------
(State or other jurisdiction of 	(I.R.S. Employer Identification No.)
 incorporation or organization)

         10800 Biscayne Blvd. Suite 500
               Miami, FL 33161
	----------------------------------------
	(Address of principal executive offices)
                 (305) 751-3232
	----------------------------------------------------
	(Registrant's telephone number, including area code)


	----------------------------------------------------
	(Former Address and telephone number)

Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes 	       X       	No

Number of shares outstanding of each of the issuer's classes of common equity:

As of March 31, 2003, the Company had a total of 23,912,934 shares of
Common Stock, par value $.001 per share (the "Common Stock"), outstanding.

Transitional Small Business Disclosure Format:	Yes [   ]		No	[ X ]







                 AMERICA'S SENIOR FINANCIAL SERVICES, INC.
                           FORM 10-QSB
                   QUARTER ENDED MARCH 31, 2003



INDEX

	PAGE NO.
	--------------
PART I
Item 1.     Financial Statements                                          3-8
Item 2.     Management's Discussion and Analysis of Financial Condition
            and Results of Operations                                    9-10

PART II
Item 1.     Legal Proceedings	                                             10
Item 2.     Changes in Securities                                          11
Item 6.     Exhibits and Reports on Form 8-K                               11

SIGNATURES AND CERTIFICATIONS                                           12-16

































                                     2
PART 1
Item 1.  FINANCIAL STATEMENTS

    AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                        CONSOLIDATED BALANCE SHEETS
                               (UNAUDITED)
ASSETS                                    March 31,           December 31,
                                               2003                2002
                                           (Unaudited)
CURRENT ASSETS:
Cash and cash equivalents                 $    69,962         $    256,738
Cash, restricted                            1,050,898            1,050,898
Brokerage fees receivable                     454,033              516,901
Employee loans                                 16,977                6,000
Mortgage loans held for sale                9,404,885           13,250,174
Prepaid expenses                               90,049               78,449

TOTAL CURRENT ASSETS                       11,086,804           15,169,160

PROPERTY AND EQUIPMENT, net                   232,298              253,992

OTHER ASSETS
Goodwill, net                               4,836,911            4,836,911
Other assets                                  109,376              109,127

     TOTAL OTHER ASSETS                     4,946,287            4,946,038

     TOTAL ASSETS                         $16,265,389          $20,369,190

LIABILITIES

CURRENT LIABILITIES:
Current portion of capital
 lease obligations                        $     4,000         $      5,000
Lines of credit                                95,445              101,618
Warehouse lines of credit                   9,223,296           13,104,392
Accounts payable                              476,592              491,935
Accrued expenses                            1,657,725            1,890,812
Escrow payable                              1,050,898            1,050,898

     TOTAL CURRENT LIABILITIES             12,507,956           16,644,655

CAPITAL LEASE OBLIGATIONS,
    less current portion                        6,000                6,000

TOTAL LIABILITIES                         $12,513,956         $ 16,650,655


(Continued)


                                       -3-



                    See notes to consolidated financial statements.

    AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                        CONSOLIDATED BALANCE SHEETS
                               (UNAUDITED)

(Continued)

ASSETS                                    March 31,           December 31,
                                               2003                2002
                                           (Unaudited)

STOCKHOLDERS' EQUITY:

Preferred stock:
 Series A Convertible, $0.001 par value;
 8,100,000 shares authorized, 5,334,670
 and 5,334,670 shares issued and out-
 standing in 2003 and 2002, respectively         5,335               5,335
 Series B Convertible, $0.001 par value;
 1,000,000 shares authorized, 491,666 and
 366,666 shares issued and outstanding
 in  2003 and 2002, respectively                   492                 366
 Series C Convertible, $0.001 par value;
 900,000 shares authorized, none issued            -                   -

Common stock, $0.001 par value;
 100,000,000 shares authorized,
 23,912,934 and 23,912,934 shares
 issued and outstanding in 2003
 and 2002, respectively                         23,913              23,913

Additional paid in capital                  16,188,879          16,181,016

Retained earnings (deficit)                (12,426,797)        (12,451,706)

Unearned compensation, restricted stock    (    40,389)        (    40,389)

     TOTAL STOCKHOLDERS' EQUITY              3,751,433           3,718,535

TOTAL LIABILITIES AND
     STOCKHOLDERS' EQUITY                 $ 16,265,389       $  20,369,190













                                       -4-

                     See notes to consolidated financial statements.

AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                 CONSOLIDATED INCOME STATMENTS
                        (UNAUDITED)

                                                      THREE MONTHS
                                                      ENDED MAR 31,
                                                 2003                2002

REVENUES                                    $2,564,017          $1,430,476

EXPENSES:
Payroll and related expense                  1,862,928           1,238,035
Admin, processing, and occupancy               614,430             669,389
Depreciation                                    21,694              22,779

TOTAL EXPENSES                               2,499,052           1,930,203

INCOME (LOSS) FROM OPERATIONS                   64,965            (499,727)

OTHER

Interest expense                               (40,056)            (28,934)

    Total other,                               (40,056)            (28,934)

INCOME(LOSS) BEFORE EXTRAORDINARY ITEMS
AND INCOME TAXES                                24,909            (528,661)

PROVISION FOR INCOME TAXES                         -                   -

NET INCOME (LOSS)                            $  24,909           $(528,661)


INCOME(LOSS) PER COMMON SHARE:
Basic                                       $    0.001          $   (0.029)

Diluted                                     $    0.001          $   (0.029)

Weighted average common
shares outstanding                          23,912,934          18,136,531



See notes to consolidated financial statements


                                    5










        AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                 CONSOLIDATED STATEMENT OF CASH FLOWS
                            (UNAUDITED)

                                                      THREE MONTHS
                                                     ENDED MARCH 31,

CASH FLOWS FROM OPERATING ACTIVITIES             2003               2002

Net Income (Loss)                            $  24,909           $(528,661)

Adjustments to reconcile net income (loss) to
   net cash provided by (used in)
   operating activities:
Depreciation and amortization                   21,694              22,780
Common stock issued for services                   -               477,021
Changes in operating assets and liabilities
  (Increase) decrease in operating assets:
     Brokerage fee receivable                   62,868              (7,600)
     Employee advances                         (10,997)              5,169
     Prepaid expenses                          (11,600)            114,730
     Other assets                               (  249)              1,206
  Increase (decrease) in operating liabilities:
     Accounts payable and accrued liabilities (249,430)           (156,586)

NET CASH USED IN
OPERATING ACTIVITIES                          (162,785)            (71,941)

CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase / Sale of property and equipment          -                (1,155)
Increase in net mortgage loans held for sale
   over warehouse lines of credit              (25,807)            (55,710)

NET CASH USED IN INVESTING ACTIVITIES:         (25,807)            (56,865)

CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of common stock, net     10,000              15,000
Payment on note for acquisition                    -               (50,000)
Net payments on lines of credit                ( 6,173)                -
Net borrowings under line of credit                -                42,101
Purchase of treasury stock                     ( 2,011)                -

NET CASH PROVIDED BY FINANCING ACTIVITIES        1,816               7,101

NET INCREASE (DECREASE) IN CASH AND CASH
EQUIVALENTS                                   (186,776)           (121,705)

CASH AND CASH EQUIVALENTS,
     beginning of period                       256,738            1,316,406

 CASH AND CASH EQUIVALENTS,
     end of period                          $   69,962           $1,194,701

                    See notes to consolidated financial statements


                                    6
       AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                CONSOLIDATED STATEMENT OF CASH FLOWS
                         (UNAUDITED)

(continued)
                                                       THREE MONTHS
                                                       ENDED MARCH 31,

                                                  2003                 2002
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION

Interest paid in cash during the period       $ 38,651              $ 7,581
Income taxes paid in cash during the period        -                   -

SUPPLEMENTAL SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES:

There were no noncash investing or financing activities in the first quarter
of 2003.
During the first quarter 2002, the Company recognized $27,888 of expense
related  to the vesting of restricted stock issued to employees.
During the first quarter 2002, the Company issued 1,264,644 shares valued at
$153,630 for services.
During the first quarter 2002, the Company issued 433,333 shares valued at
$47,667 as payment for the acquisition of  certain assets and employees of
Dupont  Mortgage.
During the first quarter 2002, the Company issued 1,416,856 shares valued at
$170,023 as retention bonuses for executives and in lieu of certain executive's
cash salaries for 2001.

























                                   7



                       AMERICA'S SENIOR FINANCIAL SERVICES, INC.
                                  AND SUBSIDIARIES

                      NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                   FOR THE QUARTERS ENDED MARCH 31, 2003 AND 2002

Note 1, Basis of Presentation

The unaudited, condensed, consolidated financial statements included
herein, commencing at page 3, have been prepared in accordance with the
requirements of Regulation S-B and supplementary financial information
included herein, if any, has been prepared in accordance with Item 310(b) of
Regulation S-B and, therefore, omit or condense certain footnotes and other
information normally included in financial statements prepared in accordance
with generally accepted accounting principles. In the opinion of management,
all adjustments (consisting only of normal recurring accruals) necessary for
a fair presentation of the financial information for the interim periods
reported have been made. Results of operations for the three months ended
March 31, 2003 are not necessarily indicative of the results that may be
expected for the year ending December 31, 2003. These financial statements
should be read in conjunction with the Company's Form 10-KSB, as filed with
the Securities and Exchange Commission on April 14, 2003.

Note 2, Gain (Loss) Per Share

The Company follows the provisions of SFAS No. 128, "Earnings Per
Share," which requires presentation of basic earnings per share including only
outstanding common stock, and diluted earnings per share including the effect
of dilutive common stock equivalents. The Company's basic and diluted income
or losses per share for all periods presented are the same since the Company's
stock options and warrants are anti-dilutive.

Earnings per share from continuing operations equated to $ .001 for the
period ending March 31, 2003.  The loss per share for the full year ended
December 31, 2002 was $(.062) per share.

Note 3, Income Taxes

The Company follows the provisions of SFAS No. 109, "Accounting for
Income Taxes." In accordance with this statement, the Company records a
valuation allowance so that the deferred tax asset balance reflects the
estimated amount of deferred tax assets that may be realized.  Therefore, the
deferred tax assets generated by the net losses in the periods presented have
been offset in their entirety by a deferred tax asset valuation allowance.

Note 4, Loans held for Sale/ Warehouse Line of Credit

As part of Jupiter Mortgage Corporation acquisition, completed in
August 1999, the Company obtained certain loan funding credit facilities. As a
result, the balance sheet of the Company includes a "Warehouse line of credit"
and "loans held for sale."  The warehouse line of credit is used to fund loans
as they are produced, and this line of credit is secured by the mortgages.




                                     8
ITEM 2.	MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
RESULTS OF OPERATIONS

INTRODUCTORY STATEMENT

The Private Securities Litigation Reform Act provides a "safe harbor"
for forward-looking statements. Certain statements included in this form 10-
QSB are forward looking and are based on the Company's current expectations
and are subject to a number of risks and uncertainties that could cause actual
results to differ significantly from results expressed or implied in any
forward-looking statements made by, or on behalf of, the Company. The Company
assumes no obligation to update any forward-looking statements contained
herein or that may be made from time to time by, or on behalf of, the
Company.

RESULTS OF OPERATIONS

Total revenues from loan operations for the three-month period ending March
31, 2003 were $2,564,017 versus $1,430,476 for the comparable period in 2002.
This is an increase over the prior year of $1,133,541 or 79.29 percent.  The
primary reason for the increase is establishment of the Company's wholesale
division at the beginning of 2002.  During the first quarter of 2003 the
wholesale division generated $669,450 in gross revenues whereas in the first
quarter of 2002 the wholesale division was in a start up phase and generated
approximately $33,000 in revenues.  The increase of approximately $497,000 in
revenues excluding the wholesale division occurred primarily because the
Company's forward mortgage origination platform produced sales increases as a
direct result of its expanding business in the Florida, Colorado, and Montana
markets.

The increases in revenue were consistent with the Company's business model which
focuses on an expansion of both the retail and wholesale distribution channels.
The Company's business model for retail forward and reverse mortgage loan
origination relies on relationship selling.  The Company does not seek out
refinance activity or rely on advertising to attract such business.
Rather, the Company remains focused on its relationships with realtors and
developers.  The Company's business model for wholesale mortgage origination
focuses on adding relationships with reliable brokers and small correspondent
lenders, thereby realizing a benefit from the Company's significant
relationships within the Florida Association of Mortgage Brokers and the
National Association of Mortgage Brokers.

Total expenses from operations during the three-month period ended March 31,
2003 were $2,499,052 compared with $1,930,203 in the comparable period of the
prior year, a 29.5 percent increase.  The increase of $568,849 was
attributable primarily to an increase of payroll and related expenses of
$624,893 due primarily to increased commission expense as a result of the
increase in sales.  The payroll related expense increase was offset by a
decrease of approximately $55,000 in administrative expenses due to increased
efficiency in operations.

Interest expense increased by $11,122 or 38.4 percent to $40,056 during the
first quarter of 2003 compared to the same period in 2002 due primarily to
increases in corporate debt used for working capital.


                                     9

Net income was $24,909 during the first quarter of 2003 compared to a loss
of $528,661 in the first quarter of the prior year.  The $553,570 improvement
in operating results over the first quarter of the prior year, reverses a
four year trend of first quarter losses and was due to a strong market in the
industry and continued improvement in management's execution of its business
plan  The plan includes establishment of the wholesale division and increased
efficiencies in operations.  The first quarter of 2003 is the third
consecutive profitable quarter with net income amounts of $24,909, $32,371,
and $23,271 reported for first quarter 2003, fourth quarter 2002, and third
quarter 2002, respectively.


LIQUIDITY AND CAPITAL RESOURCES

Management believes that liquidity and capital resources are sufficient to
support operations at the present level.  On an ongoing basis management
reviews options and opportunities which may provide favorable debt restructure,
financing for acquisitions, and working capital.

In the first quarter of 2003 cash used in operating activities was $162,785
compared to $71,941 in the first quarter of 2002 due primarily to an increase
in accounts payable and accrued liabilities.

Net cash used in investing activities was $25,807 compared to net cash
used in investing activities in the prior year first quarter of $56,865.  The
increase was primarily due to increase in the net of mortgage loans held for
sale and warehouse lines of credit during the periods.

Net cash provided by financing activities was $1,816 consisting of $10,000
in proceeds from issuance of stock less $6,173 in payments on lines of credit
and $2,011 in purchase of treasury stock.  In the prior year net cash provided
by financing activities was $7,101 consisting of $15,000 in proceeds from
issuance of stock, $42,101 from proceeds on borrowings under lines of credit,
less a $50,000 payment on a note for acquisition of warehouse operations.

BUSINESS RISKS AND UNCERTAINTIES

HISTORICAL OPERATING LOSSES

Although we have been profitable for three quarters including the current
quarter, we have incurred losses in each of the last three years.  We cannot
assure that we can achieve profitability in the short and/or long terms, if
at all.  We may be required to raise additional capital in the future to
sustain our operations.  We can give no assurance that we will be successful
in procuring such capital on terms we deem to be favorable. If we are unable
to procure such capital, we may be required to curtail our level of
activities.

RETENTION OF KEY PERSONNEL

Although as our sales grow we continue to expand our management, we only
have a few key officers and directors.  If any of them should leave our
company, this could have an adverse effect on our business and prospects.
The Company has employment agreements for specified periods of time with
certain key officers as previously disclosed in SEC filings.
                                     10

AVAILABILITY OF MORTGAGES AT REASONABLE RATES.

The success of our mortgage origination business is dependent upon the
availability of mortgage funding at reasonable rates. Although there has been
no limitation on the availability of mortgage funding in the last few years,
there can be no assurance that mortgages at attractive rates will continue to
be available.

COMPETITION.

There are many sources of mortgages available to potential borrowers
today. These sources include consumer finance companies, mortgage banking
companies, savings banks, commercial banks, credit unions, thrift
institutions, credit card issuers and insurance companies. Many of these
alternative sources are substantially larger and have considerably greater
financial, technical and marketing resources than we do. Additionally, many
financial services organizations against whom we compete for business have
formed national loan origination networks or have purchased home equity
lenders. We compete for mortgage loan business in several ways, including
convenience in obtaining a loan, customer service, marketing and distribution
channels, amount and term of the loan, loan origination fees and interest
rates. If any of these competitors significantly expand their activities in
our market, our business could be materially adversely affected. Changes in
interest rates and general economic conditions may also affect our business
and our competitors. During periods of rising interest rates, competitors who
have locked into lower rates with potential borrowers may have a competitive
advantage.

The Company continues to seek out a federally chartered savings and loan
which would allow the Company to expand both its forward and reverse mortgage
originations to a nationwide reach, without the onerous expense of individual
state licensing and regulatory compliance issues.

PART II

ITEM 1.  LEGAL PROCEEDINGS

The Company is involved in routine legal proceedings.  There have been no
significant changes in legal proceedings since filing of the Form 10-K.


ITEM 2.  CHANGES IN SECURITIES

The following provides information concerning all sales of securities during
the period which were not registered under the Securities Act of 1933.

On January 15, 2003, 125,000 shares of Preferred B stock were sold to Community
Home Mortgage Loans, Michael Sikorski, a sophisticated investor, for $10,000.
The investor signed an investment letter acknowledging that the shares were not
registered under the Securities Act of 1933 and could not be transferred
without registration or an exemption from the registration requirements of the
said act.  The certificates representing the shares contain a restrictive
legend.  Accordingly, registrant believes that the issuance was exempt from
registration under Section 4(2) of the Act.

                                    11

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K

The following Exhibits are filed herewith:

99.1              Certification of CEO

99.2              Certification of CFO

A Form 8-K was filed on April 18, 2003 which included a press release of
the Company discussing results of operations as presented in the Form 10-K
filed on April 14, 2003.  The Form 8-K also noted release of a review of the
Company on Small Cap Internet Website.


ITEM 3. CONTROLS AND PROCEDURES

The Company maintains disclosure controls and procedures that are designed to
ensure that information required to be disclosed in the Company's Exchange Act
reports is recorded, processed, summarized, and reported within the time
periods specified in the SEC's rules and forms, and that such information is
accumulated and communicated to the Company's management, including its Chief
Executive Officer and Chief Financial Officer, as appropriate, to allow timely
decisions regarding required disclosure based closely on the definition of
"disclosure controls and procedures" in Rule 13a-14(c).  In designing and
evaluating the disclosure controls and procedures, management recognized that
any controls and procedures, no matter how well designed and operated, can
provide only reasonable assurance of achieving the desired control objectives,
and management necessarily was required to apply its judgment in evaluating
the cost-benefit relationship of possible controls and procedures.

Within 90 days prior to the date of this report, the Company carried out an
evaluation, under the supervision and with the participation of the Company's
management, including the Company's Chief Executive Officer and the Company's
Chief Financial Officer, of the effectiveness of the design and operation of
the design and operation of the Company's disclosure controls and procedures.
Based on the foregoing, the Company's disclosure controls and procedures were
effective.

There have been no significant changes in the Company's internal controls or
in other factors that could significantly affect the internal controls
subsequent to the date the Company completed its evaluation.













                                    12

Exhibit 99.1

CERTIFICATION BY CHIEF EXECUTIVE OFFICER
PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of America's Senior Financial
Services, Inc. (the "Company") on Form 10-QSB for the period ended March
31, 2003 as filed with the Securities and Exchange Commission on the date
hereof (the "Report"), I, Nelson A. Locke, Chief Executive Officer of the
Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1) I have reviewed this quarterly report on Form 10-QSB of America's Senior
Financial Services, Inc.;

(2) Based on my knowledge, this quarterly report does not contain any untrue
statement of a material fact or omit to state a material fact necessary to
make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

(3) Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this quarterly report;

(4) The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for registrant and have:

a.) designed such disclosure controls and procedures to ensure that material
information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities,
particularly during the period in which this quarterly report is being
prepared;

b.) evaluated the effectiveness of the registrant's disclosure controls
and procedures as of a date within 90 days prior to the filing date of this
quarterly report (the "Evaluation Date"); and

c.) presented in this quarterly report our conclusions about the effectiveness
of the disclosure controls and procedures based on our evaluation as of the
Evaluation Date;

5. The registrant's other certifying officers and I have disclosed, based on
our most recent evaluation to the registrant's auditors and the audit
committee of registrant's board of directors:

a.) all significant deficiencies in the design or operation of internal
controls which could adversely  affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and


                                    13

b.) any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal
controls; and

6. The registrant's other certifying officers and I have indicated in this
quarterly report whether there were significant changes in internal controls
or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any
corrective actions with regard to significant deficiencies and
material weaknesses.


May 7, 2003                         s/Nelson A. Locke


                                      Nelson A. Locke
                                      Chief Executive Officer


Exhibit 99.2

CERTIFICATION BY CHIEF FINANCIAL OFFICER
PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of America's Senior Financial
Services, Inc.  (the "Company") on Form 10-QSB for the period ended March
31, 2003 as filed with the Securities and Exchange Commission on the date
hereof (the "Report"), I, Robert F. Kendall, Chief Financial Officer of the
Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002 that:

(1) I have reviewed this quarterly report on Form 10-QSB of America's Senior
Financial Services, Inc.;

(2) Based on my knowledge, this quarterly report does not contain any untrue
statement of a material fact or omit to state a material fact necessary to
make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

(3) Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the periods presented in this quarterly report;

(4) The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for registrant and have:




                                    14


a.) designed such disclosure controls and procedures to ensure that material
information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities,
particularly during the period in which this quarterly report is being
prepared;

b.) evaluated the effectiveness of the registrant's disclosure controls
and procedures as of a date within 90 days prior to the filing date of this
quarterly report (the "Evaluation Date"); and

c.) presented in this quarterly report our conclusions about the effectiveness
of the disclosure controls and procedures based on our evaluation as of the
Evaluation Date;

5. The registrant's other certifying officers and I have disclosed, based on
our most recent evaluation to the registrant's auditors and the audit
committee of registrant's board of directors:

a.) all significant deficiencies in the design or operation of internal
controls which could adversely  affect the registrant's ability to record,
process, summarize and report financial data and have identified for the
registrant's auditors any material weaknesses in internal controls; and

b.) any fraud, whether or not material, that involves management or other
employees who have a significant role in the registrant's internal
controls; and

6. The registrant's other certifying officers and I have indicated in this
quarterly report whether there were significant changes in internal controls
or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any
corrective actions with regard to significant deficiencies and
material weaknesses.

May 7, 2003

                                    s/Robert F. Kendall
                                      Robert F. Kendall
                                      Chief Financial Officer














                                    15



                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

The undersigned, Nelson A. Locke, the Chief Executive Officer of America's
Senior Financial Services, Inc., a Florida corporation (the "Company"),
pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the
Sarbanes Oxley Act of 2002, hereby certifies that:

(1) the Company's Quarterly Report on Form 10-QSB for the quarter ended
March 31, 2003 (the "Report") fully complies with the requirements of
Section 13(a) of the Securities Exchange Act of 1934; and

(2) the information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company.

                                             /s/Nelson A. Locke
                                                Chief Executive Officer
Dated May 7, 2003

This certification accompanies this Report on Form 10-QSB pursuant to
Section 906 of the Sarbanes Oxley Act and shall not, except to the extent
required by such Act, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.



                    CERTIFICATION OF CHIEF FINANCIAL OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350

The undersigned, Robert F. Kendall, the Chief Executive Officer of America's
Senior Financial Services, Inc., a Florida corporation (the "Company"),
pursuant to 18 U.S.C. 1350, as adopted pursuant to Section 906 of the
Sarbanes Oxley Act of 2002, hereby certifies that:

(1) the Company's Quarterly Report on Form 10-QSB for the quarter ended
March 31, 2003 (the "Report") fully complies with the requirements of
Section 13(a) of the Securities Exchange Act of 1934; and

(2) the information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Company.

                                             /s/Robert F. Kendall
                                                Chief Financial Officer
Dated May 7, 2003

This certification accompanies this Report on Form 10-QSB pursuant to
Section 906 of the Sarbanes Oxley Act and shall not, except to the extent
required by such Act, be deemed filed by the Company for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended.





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