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 June 30, 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 June 30, 2003, the Company had a total of 25,460,541 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 JUNE 30, 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                                      9-11

PART II
Item 1.  Legal Proceedings                                                12
Item 2.  Changes in Securities                                            12
Item 3.  Controls and Procedures                                          13
Item 6.  Exhibits and Reports on Form 8-K                                 13

SIGNATURES AND CERTIFICATIONS                                          14-17


























                                      2





PART 1
Item 1.  FINANCIAL STATEMENTS

    AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                        CONSOLIDATED BALANCE SHEETS
                               (UNAUDITED)
ASSETS                                       June 30,         December 31,
                                               2003                2002
                                           (Unaudited)
CURRENT ASSETS:
Cash and cash equivalents                 $    45,833         $    256,738
Cash, restricted                                  -              1,050,898
Brokerage fees receivable                     615,657              516,901
Employee loans                                  6,915                6,000
Mortgage loans held for sale               12,695,449           13,260,174
Prepaid expenses                              186,852               78,449

TOTAL CURRENT ASSETS                       13,550,706           15,169,160

PROPERTY AND EQUIPMENT, net                   212,208              253,992

OTHER ASSETS
Goodwill, net                               4,836,911            4,836,911
Other assets                                  109,626              109,127

     TOTAL OTHER ASSETS                     4,946,537            4,946,038

     TOTAL ASSETS                         $18,709,451          $20,369,190

LIABILITIES

CURRENT LIABILITIES:
Current portion of capital
 lease obligations                        $     2,500         $      5,000
Lines of credit                                86,568              101,618
Warehouse lines of credit                  12,527,001           13,104,392
Accounts payable                              368,106              491,935
Accrued expenses                            1,754,957            1,890,812
Escrow payable                                    -              1,050,898

     TOTAL CURRENT LIABILITIES             14,739,132           16,644,655

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

TOTAL LIABILITIES                         $14,745,132         $ 16,650,655


(Continued)


                                       -3-



                    See notes to consolidated financial statements.

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

(Continued)

                                            June 30,         December 31,
                                               2003                2002
                                           (Unaudited)

STOCKHOLDERS' EQUITY:

Preferred stock:
 Series A Convertible, $0.001 par value;
 8,100,000 shares authorized, 6,234,670
 and 5,334,670 shares issued and out-
 standing in 2003 and 2002, respectively         6,235               5,335
 Series B Convertible, $0.001 par value;
 1,000,000 shares authorized, 841,666 and
 366,666 shares issued and outstanding
 in  2003 and 2002, respectively                   842                 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,
 25,460,541 and 23,912,934 shares
 issued and outstanding in 2003
 and 2002, respectively                         25,461              23,913

Additional paid in capital                  16,377,919          16,181,016

Retained earnings (deficit)                (12,405,749)        (12,451,706)

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

     TOTAL STOCKHOLDERS' EQUITY              3,964,319           3,718,535

TOTAL LIABILITIES AND
     STOCKHOLDERS' EQUITY                 $ 18,709,451       $  20,369,190













                                       -4-

                     See notes to consolidated financial statements.

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

                                   THREE MONTHS             SIX MONTHS
                                   ENDED JUNE 30,           ENDED JUNE 30,

                                  2003        2002          2003       2002

REVENUES                       $2,958,469    $1,944,029  $5,522,486 $3,374,505

EXPENSES:
Payroll and related expense     2,283,671     1,504,357   4,146,599  2,742,391
Admin, processing, and occupancy  571,939     1,044,023   1,186,369  1,719,602
Depreciation                       21,695        22,779      43,389     45,559

      TOTAL EXPENSES            2,877,305     2,571,159   5,376,357  4,507,552

INCOME (LOSS) FROM OPERATIONS      81,164      (627,130)    146,129 (1,133,047)

OTHER

Interest expense                   60,116        85,598     100,172    108,342

  Total other, net                 60,116        85,598     100,172    108,342

INCOME(LOSS) BEFORE EXTRAORDINARY ITEMS
AND INCOME TAXES                   21,048      (712,728)     45,957 (1,241,389)

PROVISION FOR INCOME TAXES            -             -           -          -

   NET INCOME(LOSS)                21,048      (712,728)     45,957 (1,241,389)

INCOME(LOSS) PER COMMON SHARE:
Basic                         $     0.001  $     (0.033)   $  0.002   $ (0.063)

Diluted                      $      0.001  $     (0.033)   $  0.002   $ (0.063)

Weighted average common
shares outstanding             25,134,734    21,611,748  24,527,209 19,577,078













               See notes to consolidated financial statements

                                      5
                  AMERICA'S SENIOR FINANCIAL SERVICES, INC. AND SUBSIDIARIES
                             CONSOLIDATED STATEMENT OF CASH FLOWS
                                      (UNAUDITED)

                                                               SIX MONTHS
                                                             ENDED JUNE 30,
                                                            2003        2002

CASH FLOWS FROM OPERATING ACTIVITIES
Net Income (Loss)                                     $    45,957  $(1,241,389)
Adjustments to reconcile net income (loss) to net cash
Provided by (used in) operating activities:
 Depreciation and amortization                             43,389       45,558
 Common stock issued for services                          12,000      595,985
 Gain on forgiveness of debt                               54,087          -
 Write off of note receivable                                 -        250,000
Changes in operating assets and liabilities:
 (Increase) decrease in operating assets
   Brokerage fee receivable                               (98,756)    ( 43,289)
   Employee advances                                         (915)     ( 3,707)
   Prepaid expenses                                       (84,403)     243,782
   Other assets                                           (   499)     (21,519)
 Increase (decrease) in operating liabilities
   Accounts payable and accrued liabilities              (183,732)      58,244

NET CASH USED IN OPERATING ACTIVITIES                    (212,872)    (116,335)


CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of property and equipment                         (1,605)      (1,080)
Increase in net mortgage loans held for sale
   over warehouse lines of credit                         (12,666)     (88,491)

NET CASH USED IN INVESTING ACTIVITIES                     (14,271)     (89,571)

CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of stock                            35,000       20,000
Other capital contributions                                   -        (50,000)
Payments on lines of credit                               (15,050)         -
Net borrowings under line of credit                           -         36,302
Purchase of treasury stock                                ( 3,712)         -

NET CASH PROVIDED BY FINANCING ACTIVITIES                  16,238        6,302

NET DECREASE IN CASH AND CASH EQUIVALENTS                (210,905)    (199,604)

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

CASH AND CASH EQUIVALENTS, end of period                  $45,833   $1,116,802




                          See notes to consolidated financial statements


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

(continued)
                                                              SIX MONTHS
                                                           ENDED JUNE 30,

                                                             2003         2002
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid in cash during the period                  $ 100,172     $ 63,749
Income taxes paid in cash during the period                  -            -

SUPPLEMENTAL SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES:

In 2003 stock was issued in payment of accounts payable and accrued expenses
 in the amount of $132,538.
In 2003 stock was issued for professional services to be rendered subsequent
 to quarter end in the amount of $24,000.
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 legal services.
During the first quarter 2002, the Company issued 433,333 shares valued at
 $47,667 as payment for the acquisition of Dupont.
During the first quarter 2002, the Company issued 1,416,856 shares valued at
 $170,023 as executive bonuses for 2001.
During the second quarter 2002, the Company recognized $27,888 of expense
 related  to the vesting of restricted stock issued to employees.
During the second quarter 2002, the Company issued 726,675 shares valued at
 $76,977 for legal services.
























                                      7

                       AMERICA'S SENIOR FINANCIAL SERVICES, INC.
                                  AND SUBSIDIARIES

                      NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                   FOR THE QUARTERS ENDED JUNE 30, 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 and six months ended
June 30, 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 loss per
share presented are the same since the Company's convertible debentures, stock
options, and warrants are anti-dilutive.  Earnings per share from continuing
operations equated to $ 0.001 for the period ending June 30, 2003 and the
dilutive earnings would be an amount less than $0.001.


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 the 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 for the three month period ending June 30, 2003 were $2,958,469
compared to $1,944,029 for the same period 2002.  Revenues for the six months
ended June 30, 2003 were $5,522,486 compared to $3,374,505 for the same period
2002.  The $1,014,440 increase of 52.2% comparing the quarterly periods and
$2,147,981 increase of 63.7% comparing the six month periods were due to a
continued strong market in the mortgage lending industry, the development of
the wholesale mortgage platform which was in a start-up phase at the beginning
of 2002, and sales increases in the Company's reverse mortgage operations.

Operating expenses for the three month period ending June 30, 2003 were
$2,877,305 compared to $2,571,159 for the same period 2002.  Operating expenses
for the six months ended June 30, 2003, were $5,376,357 compared to $4,507,552
for the same period 2002.  The increase of $306,146 or 11.9% comparing
quarterly periods consisted of an increase in payroll and related expenses of
about $779,000 due to increased commission expense resulting from increased
sales volume offset by a decrease of about $472,000 in administrative,
processing, and occupancy expenses due to increased efficiency resulting from
measures taken by management.  The increase comparing the six month periods of
$868,805 or 19.2% consisted of an increase in payroll expense of about
$1,400,000 resulting from increased commission expense due to increased sales
volume offset by a decrease of about $531,000 in administrative expenses due
to increased efficiency in operations.  Administrative, processing, and
occupancy expenses for the quarter and six month period were 19.3% and
21.4%,respectively, as a percentage of revenue compared to 53.7% and 51.0%,
respectively, for the same periods 2002.  The overall decrease of approximately
30% is a reflection of management's comprehensive cost containment program.
Because payroll and related expenses are primarily related to commission
expense, they remained consistent as a percentage of sales in the 75-81% range
in all periods presented.

Interest expense for the three month period ending June 30, 2003 was
$60,116 compared to $85,598 for the same period 2002.  Interest expense for
the six months ended June 30, 2003, was $100,172 compared to $108,342 for the
same period 2002.





                             9
Net income for the three month period ended June 30, 2003 was $21,048 compared
to a loss of $712,728 for the same period 2002.  Net income for the six month
period was $45,957 compared to a loss of $1,241,389 for the same period 2002.
The improvement of $733,776 comparing the quarterly periods and of $1,287,346
comparing the six month periods was due to a strong demand for mortgage
products of all types, increased efficiency of management, and the fact that
in the second quarter of 2002 there was a non-recurring write off of a
$250,000 note as bad debt.


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 six months ended June 30, 2003 cash used in operating activities was
$212,872 compared to $116,335 in the six months period 2002, an increase of
$96,537.

During the six months ended June 30, 2003, net cash used in investing
activities was $14,271 compared to net cash used in investing activities in
the comparable period of the prior year of $89,571.  The decrease of $75,300
was due to normal fluctuation in net mortgage loans held for sale over
warehouse lines of credit during the periods.

Net cash provided by financing activities for the six months ended June 30,
2003,was $16,238 consisting of $35,000 in proceeds from issuance of stock less
$15,050 in payments on lines of credit and $3,712 in purchase of treasury
stock.  In the prior year net cash provided by financing activities was $6,302
consisting of $20,000 in proceeds from issuance of stock, $36,302 from
proceeds on borrowings under lines of credit, less a $50,000 payment on a note
for acquisition of warehouse operations.






















                                   10
BUSINESS RISKS AND UNCERTAINTIES

HISTORICAL OPERATING LOSSES

Although we have been profitable for four 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.

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.  Several candidates are
currently under consideration.


                                      11
                                    PART II
ITEM 1.  LEGAL PROCEEDINGS

The Company is involved in routine legal proceedings.  There have been no
significant changes in the legal proceedings previously filed on
Form 10-KSB for the year ended December 31, 2003.

On June 11, 2003 AMSE was awarded a judgment of $316,500 including treble
damages, attorney's fees, and interest in AMSE's suit for civil theft and
conversion arising out of defendant's failure to perform investment-banking
services under agreements entered into during 2001.

On June 17, 2003, AMSE was awarded a judgment of $918,000 in treble damages,
attorney's fees, and interest in AMSE's suit to recover monies earned in a
mortgage funding arrangement which defendant converted to its own use.

Both judgments were granted in the 17th Judicial Circuit Court, Broward County,
Florida.  AMSE will vigorously pursue collection.  However, there can be no
assurances that AMSE will be able to collect on either judgment so we have not
recognized any income from such judgments.



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 June 13, 2003, 250,000 shares of Preferred B stock were sold to Community
Home Mortgage Loans, Michael Sikorski, a sophisticated investor, for $25,000.
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.



















                                           12

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 Form 10-Q 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 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.


ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K

EXHIBITS

The following Exhibits are filed herewith:

99.1  Section 302 Certifications

99.2  Section 1350 Certifications


REPORTS ON FORM 8-K

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 under Items 7 and 9.

A Form 8-K was filed on May 22, 2003, which noted that the Company had filed a
press release discussing the Company's forecast of results of operations for
the quarter ending June 30, 2003 under Items 7 and 9.

A Form 8-K was filed on June 25, 2003, indicating that CEO Nelson
Locke was interviewed by CEOcast and discussed the Company's growth, its
current results, and its expectations for growth in the coming year under
Items 7 and 9. Mr. Locke described the business platform and discussed the
Company's recent press releases. The interview can be heard at www.ceocast.com.

                                       13

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 June
30, 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

                                    14

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.


July 31, 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 June
30, 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:




                                    15


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.

July 31, 2003

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














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                    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
June 30, 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 July 31, 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
June 30, 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 July 31, 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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