<PAGE>
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  FORM 10-Q/A
                                  Amendment 1

                                  (Mark One)

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

                 For the quarterly period ended June 30, 2001
                                      OR
    [   ] TRANSITION REPORT UNDER SECTION 13 OF 15(d) OF THE EXCHANGE ACT
                                   OF 1934

         From the transition period from ___________ to ____________.

                      Commission File Number 00030074
                                   --------

                               APO HEALTH, INC.
                              ------------------
            (Exact name of registrant as specified in its charter)

             Nevada                                    86-0871787
            --------                                  ------------
 (State or other jurisdiction of            (IRS Employer Identification No.)
  incorporation or organization)


                 3590 Oceanside Road, Oceanside, New York 11575
                ------------------------------------------------
                    (Address of principal executive offices)

                                (800) 365-2839
                               ----------------
                        (Registrant's telephone number)


                        InternetFinancialCorp.com, Inc.
                         1055 W. Hastings St., Ste 900
                      Vancouver, British Columbia, Canada
                         Former fiscal year:  April 30
              (Former name, former address and former fiscal year,
                         if changed since last report)

Indicate by check mark whether the registrant (1) filed all reports required
to be filed by Section 13 or 15(d) of the Exchange Act during the past 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 August 15, 2001, 21,982,089 shares of Common Stock of the issuer were
outstanding.

<PAGE>
                               APO HEALTH, INC.
                                 FORM 10-Q/A

                INDEX
                                                                  Page No.
                                                                  ________
Part I

Item 1.   Financial Statements                                      3

Item 2.   Management's Discussion and Analysis of
          Financial Condition and Results of Operations             *


Part II

Item 1.   Legal Proceedings                                         *

Item 4.   Submission of Matters to a Vote of Security Holders       7

Item 6.   Reports on Form 8-K                                       7

Exhibit Index                                                       7

Signatures                                                          7







*Previously disclosed with 10-Q, filed on August 17, 2001 for the quarterly
period ended June 30.  That filing is hereby incorporated by reference in its
entirety.

                                                                           2
<PAGE>
PART I
______

Item 1.  Financial Statements



<TABLE>
<CAPTION>
                               APO HEALTH, INC.
                            (formerly Xetal, Inc.)
                          CONSOLIDATED BALANCE SHEETS
               June 30, 2001 (Unaudited) and September 30, 2000


                                                         2001                2000
     ASSETS                                           ----------          ----------
<S>                                                   <C>                 <C>
Current Assets
  Cash                                                $  104,507          $   90,732
  Accounts receivable, net of allowance
    for doubtful accounts of $59,800 and $59,800       2,107,505           2,167,260
  Inventory                                            1,899,101           1,895,334
  Due from officers                                       94,206              15,294
  Deferred tax asset                                      32,749              34,563
  Other current assets                                    52,109              30,242
                                                      ----------          ----------
     Total Current Assets                              4,290,177           4,233,426
                                                      ----------          ----------
Property and Equipment, net of accumulated
  depreciation of $88,877 and $78,001                     46,413              57,289
Goodwill, less accumulated amortization
  of $62,769 and $53,802                                 116,570             125,537
Deposits                                                   7,500               7,500
                                                      ----------          ----------
TOTAL ASSETS                                          $4,460,660          $4,423,752
                                                      ==========          ==========

LIABILITIES AND STOCKHOLDERS' EQUITY
Current Liabilities
  Bank notes payable                                  $1,861,158          $1,892,670
  Accounts payable                                     1,042,710           1,449,550
  Accrued expenses                                        84,641             203,963
  Loan payable to stockholder                             51,174
  Income taxes payable                                    64,769
                                                      ----------          ----------
     Total Current Liabilities                         3,104,452           3,546,183
                                                      ----------         -----------

STOCKHOLDERS' EQUITY
  Common stock, $.0002 par value, 125,000,000
    shares authorized, 21,982,089 and 14,216,422
    shares issued and outstanding                          4,396               2,843
  Additional paid in capital                           1,397,003             983,345
  Retained earnings (deficit)                         (   45,191)          ( 108,620)
                                                      ----------           ---------
     Total Stockholders' Equity                        1,356,208             877,568
                                                      ----------          ----------
     TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY       $4,460,660          $4,423,752
                                                      ==========          ==========
</TABLE>




                                     F-1
                                                                           3

<PAGE>
<TABLE>
<CAPTION>
                               APO HEALTH, INC.
                            (formerly Xetal, Inc.)
                     CONSOLIDATED STATEMENTS OF OPERATIONS
      Three and Nine Month Periods Ended June 30, 2001 and 2000 (Unaudited)


                                   - - - - - 2001 - - - - -          - - - - - 2000 - - - - -
                                   3 Months         9 Months         3 Months         9 Months
                                 -----------      -----------      -----------      -----------
<S>                              <C>              <C>              <C>              <C>
Revenues                         $ 6,648,722      $19,522,348      $ 7,291,239      $22,959,828
Cost of revenues                   5,584,919       17,100,699        6,361,131       20,014,688
                                 -----------      -----------      -----------      -----------
Gross Margin                       1,063,803        2,421,649          930,108        2,945,140
                                 -----------      -----------      -----------      -----------
Operating Expenses
  Selling expenses                   178,440          541,900          240,661          603,487
  General and administrative
    expenses                         763,780        1,618,205          533,433        1,608,995
  Holding company spinoff costs                                                         137,135
                                 -----------      -----------      -----------      -----------
                                     942,220        2,160,105          774,094        2,349,617
                                 -----------      -----------      -----------      -----------

Income (loss) from operations        121,583          261,544          156,014          595,523

Interest expense                      35,971          129,018           59,105          125,726
                                 -----------      -----------      -----------      -----------
  Income (loss) before provision
    for income taxes and
    extraordinary item                85,612          132,526           96,909          469,797

Provision (benefit) for
    income tax                        65,387           69,097           98,199          295,174
                                 -----------      -----------      -----------      -----------
  Income (loss) before
    extraordinary item                20,225           63,429       (    1,290)         174,623

Extraordinary item, net
  - debt forgiveness                                                                 (   58,575)
                                 -----------      -----------      -----------      -----------
     NET INCOME (LOSS)           $    20,225      $    63,429      $(    1,290)     $   116,048
                                 ===========      ===========      ===========      ===========

Basic earnings (loss) per share
  - before extraordinary item    $      0.01      $      0.01      $      0.00      $      0.02
  - from extraordinary item                                               0.00       (     0.01)
                                 -----------      -----------      -----------      -----------
Net income per common share      $      0.01      $      0.01      $      0.00      $      0.01
                                 ===========      ===========      ===========      ===========

Diluted earnings (loss) per share
  - before extraordinary item    $      0.01      $      0.01      $      0.00      $      0.02
  - from extraordinary item                                               0.00       (     0.01)
                                 -----------      -----------      -----------      -----------
Net income per common share      $      0.01      $      0.01      $      0.00      $      0.01
                                 ===========      ===========      ===========      ===========

Weighted average common shares
  outstanding:
  Basic                           17,069,033       15,462,292        9,752,700        7,786,033
  Diluted                         18,085,700       15,801,181        9,752,700        7,786,033

</TABLE>


                                     F-2
                                                                           4
<PAGE>
<TABLE>
<CAPTION>
                               APO HEALTH, INC.
                            (formerly Xetal, Inc.)
                     CONSOLIDATED STATEMENTS OF CASH FLOWS
          For the Nine Months Ended June 30, 2001 and 2000 (Unaudited)


                                                         2001                 2000
                                                       ---------           ---------
<S>                                                    <C>                 <C>
CASH FLOWS FROM OPERATING ACTIVITIES
Net income                                              $ 63,429           $ 116,048
Adjustments to reconcile net income to
  net cash flows from operating activities
    Depreciation and amortization                         19,844              23,487
    Bad debts                                                               ( 19,400)
    Deferred taxes                                         1,814               2,400
    Stock issued for services                            135,211             260,640
  Changes in:
    Accounts receivable                                   59,756             247,767
    Inventory                                           (  3,767)           (910,904)
    Other current assets                                ( 21,867)             52,936
    Accounts payable                                    (406,841)           (720,385)
    Accrued expenses                                    (119,322)           (167,851)
    Income taxes payable                                  64,769             206,404
                                                       ---------           ---------
     CASH FLOWS (USED IN) OPERATING ACTIVITIES          (206,974)           (908,858)
                                                       ---------           ---------

CASH FLOWS FROM FINANCING ACTIVITIES
Advances from officer, net                              ( 27,739)             69,371
Proceeds (payments) from bank notes payable, net        ( 31,512)            863,820
Proceeds from sale of common stock, net
  of offering costs of $20,000                           280,000
                                                       ---------           ---------
     CASH FLOWS PROVIDED BY FINANCING ACTIVITIES         220,749             933,191
                                                       ---------           ---------

Net increase (decrease) in cash                           13,775              24,333

Cash balances
  Beginning of period                                     90,732              41,239
                                                       ---------           ---------
  End of period                                        $ 104,507            $ 65,572
                                                       =========           =========
</TABLE>


                                     F-3
                                                                           5
<PAGE>
                               APO HEALTH, INC.
                            (formerly Xetal, Inc.)

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


NOTE 1 - BASIS OF PRESENTATION

The accompanying unaudited interim financial statements of APO Health, Inc.
have been prepared in accordance with generally accepted accounting principles
and the rules of the Securities and Exchange Commission ("SEC"), and should be
read in conjunction with the audited financial statements and notes thereto
contained in the Company's latest Annual Report filed with the SEC .  In the
opinion of management, all adjustments, consisting of normal recurring
adjustments, necessary for a fair presentation of financial position and the
results of operations for the interim periods presented have been reflected
herein.  The results of operations for interim periods are not necessarily
indicative of the results to be expected for the full year.  Notes to the
financial statements which would substantially duplicate the disclosure
contained in the audited financial statements for the most recent fiscal year,
2000, have been omitted.


NOTE 2 - COMMON STOCK

During the nine months ended June 30, 2001, 300,000 shares of stock valued at
$86,400 were issued to two officers as a bonus and the company sold 500,000
shares in a private placement which provided net proceeds to the Company of
$280,000.  On June 13, 2001, the Company acquired InternetFinancialCorp.,
ticker IFAN, in a transaction accounted for as a reverse acquisition, whereby
the Company is treated as the acquiror for accounting purposes.  Accordingly,
the Company's stockholders' equity has been retroactively restated to give
effect to the acquistion.  In conjunction with the reverse acquisition,
Company shareholders other than the shareholders who purchased the 500,000
shares in the private placement received 5.9 IFAN shares for each Company
share held, 2,500,000 shares were issued to the existing IFAN shareholders,
1,995,000 shares were issued to consultants for the acquisition, and a
consultant was issued 1,000,000 shares pursuant to a contract to provide
investor relations services over the next twelve months.  Additionally,
$150,000 was paid to a consultant in conjunction with the acquisition.

Additionally, warrants to issue 1,500,000 shares of Company stock at $1.00 per
share which expire April 24, 2004 were issued to the investors who
participated in the private placement.  Warrants to purchase 2,100,000 shares
of Company stock at prices ranging from $1.00 to $2.00 were issued to
consultants in conjunction with the reverse acquisition.  Warrants to purchase
1,000,000 shares of Company stock at prices ranging from $1.00 to $2.00 per
share were issued pursuant to the investment relations consulting agreement.
There were no dilutive securities issued during the nine months ended June 30,
2000.

                                     F-4
                                                                           6
<PAGE>
PART II
_______

Item 4.  Submission of Matters to a Vote of Security Holders.

     On June 1, 2001, shareholders voted by Proxy and in person, for the
     Special Meeting of Shareholders of Internetfinancialcorp.com, Inc. on
     the following proposals:

     Proposal #1)        To approve the merger transaction with APO Health, Inc.
                         ("APO"), in which APO shareholders will receive sixteen
                         million six hundred thousand post reverse split shares
                         of the Corporation's common stock.

     Proposal #2)        To effectuate a 1 for 6 reverse stock split in the
                         Corporation's outstanding common stock.

     Proposal #3)        To reissue and amend the Company's Articles of
                         Incorporation in order to change its name from
                         Internetfinancialcorp.com, Inc. to APO Health, Inc.

     The shareholders approved all three proposals unanimously: 9,270,000 for
     Proposal 1, 0 against it; 9,270,000 for Proposal 2, 0 against it;
     9,270,000 for Proposal 3, 0 against it.


Item 6.  Exhibits and Reports on Form 8-K

  (a)  Report on Form 8-K/A (third amendment) dated July 30, 2001,
       announcing the reorganization of the Company dated July 13, 2001 is
       hereby incorporated by reference.

  (b)  Report on Form 8-K/A (second amendment) dated July 23, 2001,
       announcing the reorganization of the Company dated July 13, 2001 is
       hereby incorporated by reference.

  (c)  Financial Statements (unaudited) as filed in the Company's 10-Q on
       August 17, 2001, are hereby incorporated by reference.


EXHIBIT INDEX

 2.1**  Reorganization Agreement

19.1    Unanimous Consent of Directors

19.2    Certificate of Inspector of Elections
        for Internetfinancialcorp.com, Inc.


** Previously filed with 8-K/A dated July 23, 2001, and incorporated by
reference herein as Exhibit 2.1


                                 SIGNATURES

In accordance with the requirements of the Exchange Act, the registrant has
duly caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.


                                            APO HEALTH, INC.

Date: September 10, 2001               /S/ DR. JAN STAHL
                                 By:______________________________
                                     Dr. Jan Stahl, CEO, Chairman of the Board
                                     and Secretary

                                                                           7