EXHIBIT  99.1

                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
           PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002


     I,  Donald  J.  Hommel,  certify  that:

     1. I have reviewed this quarterly report on Form 10-Q of Consumers
Financial Corporation;

     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. In my capacity as Chief Executive Officer and Chief Financial Officer, I
am responsible for establishing and maintaining disclosure controls and
procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the
registrant and I have:

     a) designed such disclosure controls and procedures to ensure that material
     information relating to the registrant is made known to me by others,
     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 the conclusions about the
     effectiveness of the disclosure controls and procedures based on an
     evaluation as of the Evaluation Date;

     5. In my capacity as Chief Executive Officer and Chief Financial Officer, I
have disclosed, based on the most recent evaluation, to the registrant's
auditors and the audit committee of registrant's board of directors (or persons
performing the equivalent function):

     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. In my capacity as Chief Executive Officer and Chief Financial Officer, I
have indicated in this quarterly report whether or not there were significant
changes in internal controls or in other factors that could significantly affect
internal controls subsequent to the date of the most recent evaluation,
including any corrective actions with regard to significant deficiencies and
material weaknesses.



Date   November 18, 2002                By /S/   Donald J. Hommel
                                           -------------------------------------
                                           Donald  J.  Hommel
                                           Chief  Executive  Officer


Consumers Financial Corporation                                          Page 20
Form 10-Q                                                     September 30, 2002
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