U.S. SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                         _______________________________
                                   FORM 10-QSB
(Mark  One)
[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF
    1934

For  the  quarterly  period  ended  Sept  30,  2001

[ ] TRANSITION  REPORT  UNDER  SECTION  13  OR  L5(D)  OF  THE  EXCHANGE  ACT

For  the  transition  period  from  _____  to  _____

                         Commission file number 0-25417

                              TORBAY HOLDINGS, INC.
        (Exact Name of Small Business Issuer as Specified in its Charter)


         DELAWARE                                           52-2143186
(State  or Other Jurisdiction                          (I.R.S.  Employer
 of Incorporation or Organization)                     Identification  No.)

                            4 MULFORD PLACE, SUITE 2G
                               HEMPSTEAD, NY 11550
                                011 44 1481 46044
                (Issuer's Telephone Number, Including Area Code)
                                       N/A
              (Former Name, Former Address and Former Fiscal Year,
                          if Changed Since Last Report)

     Check  whether  the  issuer:  (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
    ---
State the number of shares outstanding of each of the issuer's classes of common
equity,  as  of  the  latest  practicable  date:

                                         OUTSTANDING AT
                CLASS                    SEPT 30, 2001
                -----                    -------------
     Common Stock, par value $.0001      15,550,000

Transitional  Small  Business  Disclosure  Format  (check  one):
Yes      No  X
            --

<PAGE>
                              TORBAY HOLDINGS, INC.
                 FORM 10-QSB FOR THE QUARTER ENDED JUNE 30, 2001
                                TABLE OF CONTENTS
                                                                            PAGE
                                                                            ----
Part  I  -  FINANCIAL  INFORMATION                                            2

Item  1.     Financial  Statements

Item  2.     Management's  Discussion  and  Analysis  of Financial
             Condition and Results  of  Operations                            7

Part  II  -  OTHER  INFORMATION                                               9

Item  1.     Legal  Proceedings                                               9

Item  2.     Changes  in  Securities  and  Use  of  Proceeds                  9
Item  3.     Defaults  Upon  Senior  Securities                               9
Item  4.     Submission  of  Matters  to  a  Vote  of  Security  Holders      9
Item  5.     Other  Information                                               9
Item  6.     Exhibits  and  Reports  on  Form  8-K                            9
SIGNATURES                                                                   10

--------------------------------------------------------------------------------
Forward  Looking  Statements

     This  Quarterly  Report  on  Form  10-QSB  contains certain forward looking
statements  consisting  of  estimates  with  respect to the financial condition,
results  of operations and business of Torbay Holdings, Inc. that are subject to
various  factors  discussed  in Torbay Holdings'  Registration Statement on Form
SB-2  and  in Torbay Holdings' Form 10-KSB for the year ended December 31, 2000,
as  amended,  which  could  cause actual results to differ materially from these
estimates.
--------------------------------------------------------------------------------

<PAGE>
Part  I  -  FINANCIAL  INFORMATION

                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                        CONSOLIDATED FINANCIAL STATEMENTS
                            AS OF SEPTEMBER 30, 2001





CONTENTS



PAGE     2     CONSOLIDATED  BALANCE SHEETS AS OF SEPTEMBER 30, 2001 (UNAUDITED)
               AND  DECEMBER  31,  2000

PAGE     3     CONSOLIDATED  STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS FOR
               THE THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2001 AND 2000 AND
               FOR THE PERIOD FROM  MARCH  24,  1999  (INCEPTION)  TO
               SEPTEMBER  30,  2001  (UNAUDITED)

PAGE     4     CONSOLIDATED  STATEMENTS  OF CASH FLOWS FOR THE NINE MONTHS ENDED
               SEPTEMBER  30,  2001 AND 2000 AND FOR THE PERIOD FROM MARCH 24,
               1999 (INCEPTION) TO  SEPTEMBER  30,  2001  (UNAUDITED)

PAGES  5 - 6   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS AS OF SEPTEMBER 30,
               2001  (UNAUDITED)


<PAGE>
<TABLE>
<CAPTION>
                                 TORBAY HOLDINGS, INC. AND SUBSIDIARY
                                    (A DEVELOPMENT STAGE COMPANY)
                                     CONSOLIDATED BALANCE SHEETS
                                     ---------------------------
                                                ASSETS
                                                ------
                                                                          September 30,  December 31,
                                                                              2001          2000
                                                                           (Unaudited)
                                                                        --------------  -------------
CURRENT ASSETS
<S>                                                                        <C>           <C>
Cash                                                                       $         -   $    13,500
                                                                        --------------  -------------
Total Current Assets                                                                 -        13,500
                                                                        --------------  -------------

PROPERTY AND EQUIPMENT - NET                                                    28,460        28,813
                                                                        --------------  -------------

OTHER ASSETS
Deposits                                                                         1,000         1,000
                                                                        --------------  -------------
Total Other Assets                                                               1,000         1,000
                                                                        --------------  -------------

TOTAL ASSETS                                                               $    29,460   $    43,313
                                                                        ==============   ============
                LIABILITIES AND STOCKHOLDERS' DEFICIENCY

                          CURRENT LIABILITIES
Accounts payable and accrued expenses                                      $   125,760   $   123,029
Loan payable - stockholder                                                      17,235        14,200
Obligations under capital lease                                                  7,032         7,120
                                                                        --------------  -------------
Total Current Liabilities                                                      150,027       144,349
                                                                        --------------  -------------

LONG TERM LIABILITIES
Notes and loans payable                                                        150,000       150,000
Obligations under capital leases                                                20,026        20,274
                                                                        --------------  -------------
Total Long-Term Liabilities                                                    170,026       170,274
                                                                        --------------  -------------

TOTAL LIABILITIES                                                              320,053       314,623
                                                                        --------------  -------------
STOCKHOLDERS' DEFICIENCY
Preferred stock, $.0001 par value, 20,000,000 shares authorized, 700,000
 Series 1 convertible shares issued and outstanding                                  -            70
Common stock, $.0001 par value, 100,000,000 shares authorized,
 16,150,000 and 6,350,000 issued and outstanding                                 1,615           635
Additional paid-in capital                                                   1,053,401       774,311
Accumulated deficit during development stage                                (1,345,003)   (1,045,317)
Accumulated other comprehensive income (loss)                                     (606)       (1,009)
                                                                        --------------  -------------

TOTAL STOCKHOLDERS' DEFICIENCY                                                (290,593)     (271,310)
                                                                        --------------  -------------

TOTAL LIABILITIES AND STOCKHOLDERS' DEFICIENCY                             $    29,460   $    43,313
---------------------------------------------                           ==============   ============
</TABLE>

          See accompanying notes to consolidated financial statements.

<PAGE>
                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
          CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS
          ------------------------------------------------------------
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                                                         For the  Period
                                          For the Three                                                  From
                                                 Months    For the Three    For the Nine    For the Nine  March 24, 1999
                                                  Ended    Months Ended     Months Ended    Months Ended  (Inception)  to
                                           September 30,   September  30,    September 30,  September 30, September  30,
                                                   2001         2000            2001         2000          2001
                                         ------------------  -----------  -------------  -----------  -----------------
<S>                                                 <C>           <C>          <C>           <C>          <C>
INCOME                                          $         -   $        -   $         -   $        -   $         -
                                         ------------------  -----------  -------------  -----------  -----------------

EXPENSES
Consulting                                                -        7,315             -      108,723       251,904
Directors fees                                       20,961       12,000        24,170       27,260       169,744
Executive compensation                                    -            -       220,000            -       220,000
Depreciation and amortization                             -          777             -        2,425        41,532
Legal and professional fees                          32,449       62,598        35,976      119,528       253,745
Loss from impairment of intangible assets                 -            -             -            -       247,325
Other selling, general and administrative             8,349       27,965        19,542       54,392       160,754
                                         ------------------  -----------  -------------  -----------  -----------------

TOTAL EXPENSES                                       61,759      110,655       299,688      312,328     1,345,004
                                         ------------------  -----------  -------------  -----------  -----------------

NET LOSS                                            (61,759)    (110,655)     (299,688)    (312,328)   (1,345,004)

OTHER COMPREHENSIVE INCOME/(LOSS)
Foreign currency translation gains/(losses)          (1,733)      (9,251)         (606)     (20,705)         (606)
                                         ------------------  -----------  -------------  -----------  -----------------

COMPREHENSIVE LOSS                              $   (63,492)  $ (119,906)  $  (300,294)  $ (333,033)  $(1,345,610)
--------------------                     ===================  ==========  =============  ===========  ==================

Net loss per common share - basic and diluted   $         -   $     (.02)  $     (0.03)  $    (0.06)  $     (0.19)
                                         ===================  ==========  =============  ===========  ==================
Weighted average number of common shares
 outstanding - basic and diluted                 16,032,609    5,150,000    11,230,586    5,150,000     6,897,505
                                         ===================  ==========  =============  ===========  ==================

          See accompanying notes to consolidated financial statements.
</TABLE>

<PAGE>
                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                  (UNAUDITED)

<TABLE>
<CAPTION>
                                                                                                         Cumulative
                                                                         For the Nine   For the Nine    From March 24, 1999
                                                                         Months Ended   Months Ended    (Inception) to
                                                                         September 30,    September 30,  September 30,
                                                                                 2001        2000         2001
                                                                              ----------  ----------  ------------
<S>                                                                           <C>         <C>         <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss)                                                                    $(299,688)  $(312,328)  $(1,345,004)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation and amortization                                                         -       2,425        41,532
Stock issued for executive compensation                                         220,000           -       220,000
Option deposit charged to operations                                                  -           -        15,000
Loss on impaired assets                                                               -           -       247,325
Increase (decrease) in:
Accounts payable and accrued expenses                                             2,733      54,474       125,760
                                                                              ----------  ----------  ------------
Net Cash Used In Operating Activities                                           (76,955)   (255,429)     (695,387)
                                                                              ----------  ----------  ------------

CASH FLOWS FROM INVESTING ACTIVITIES:
Deposit on potential investment                                                       -           -       (16,000)
Purchase of property and equipment                                                  353           -       (45,586)
                                                                              ----------  ----------  ------------
Net Cash Used In Investing Activities                                               353           -       (61,586)
                                                                              ----------  ----------  ------------

CASH FLOWS FROM FINANCING ACTIVITIES:
Obligations (payments) under capital leases                                        (336)    (20,178)       27,058
Proceeds from issuance of common stock                                           60,000      50,000       753,848
Proceeds from stockholder loans                                                       -      14,200        14,200
Payment on stockholder loans                                                          -     (14,512)      (28,970)
Due to creditors                                                                      -           -      (161,650)
Subscription receivable                                                               -      50,000        50,000
Payments on notes payable                                                             -           -      (230,997)
Proceeds from issuance of notes and loans payable                                 3,035           -       153,035
Proceeds from line of credit                                                          -     177,980       177,980
                                                                              ----------  ----------  ------------
Net Cash Provided By Financing Activities                                        62,699     257,490       754,504
                                                                              ----------  ----------  ------------

EFFECT OF EXCHANGE RATE CHANGES ON CASH                                             403      (3,131)        2,469
                                                                              ----------  ----------  ------------

INCREASE (DECREASE) IN CASH AND CASH
 EQUIVALENTS                                                                    (13,500)     (1,070)            -

CASH AND CASH EQUIVALENTS - BEGINNING OF
 PERIOD                                                                          13,500      11,690             -
                                                                              ----------  ----------  ------------

CASH AND CASH EQUIVALENTS - END OF PERIOD                                     $       -   $  10,260   $         -
-----------------------------------------                                     ==========  ==========  ============

Cash paid during the period for:
Interest                                                                      $       -   $       -   $     4,417
                                                                              ==========  ==========  ============
           See accompanying notes to consolidated financial statements.
</TABLE>
<PAGE>
                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                   CONSOLIDATED  STATEMENTS  OF  CASH  FLOWS
                                 (UNAUDITED)

NOTE  1     BASIS  OF  PRESENTATION
-------

The accompanying unaudited financial statements have been prepared in accordance
with  generally  accepted accounting principles and the rules and regulations of
the  Securities  and  Exchange  Commission  for  interim  financial information.
Accordingly,  they  do  not  include  all  the  information  necessary  for  a
comprehensive  presentation  of  financial  position  and results of operations.

It is management's opinion, however that all material adjustments (consisting of
normal  recurring  adjustments)  have  been  made which are necessary for a fair
financial  statements  presentation.  The results for the interim period are not
necessarily  indicative  of  the  results  to  be  expected  for  the  year.

For  further  information,  refer  to  the  financial  statements  and footnotes
included  in  the  Company's  Form  10-KSB for the year ended December 31, 2000.

NOTE  2     LINE  OF  CREDIT
-------     ----------------

The  Company  entered into a funding and share purchase agreement in April 2000,
with  a  finance  and  investment  company.  The  agreement  stipulates  that an
interest  free open line of credit for up to $10,000,000 will be established for
the  Company in an exchange for an option to purchase 35% of the then issued and
outstanding  stock  of  the  Company.  The  agreement  calls  for the Company to
receive  an initial draw down of $2,000,000 upon the establishment and execution
of  the line of credit.  The option will be granted upon the date of the receipt
of  the  funds.  The  option price is set at $2.85 per share and expires 90 days
following the repayment of the credit provided.  The line of credit has not been
fully  established  and  no  funds  have  been received through the date of this
report.

On  April  9,  2001,  Torbay Holdings received notice that the funding under the
agreement  would  be provided by Tillotson Pte Limited, an investment partner of
Douglaston  Investments,  and  that an initial draw of $2,000,000 on the line of
credit  would  be provided no later than April 20, 2001.  As of the date of this
report, Torbay Holdings had not received funding under the agreement.  Although,
Tillotson  Pte  Limited  has  informed  Torbay  Holdings  that funding under the
agreement  is  imminent,  the  significant  delays  in  closing  the  financing
transaction  raise  substantial  doubt  as  to  whether  such  financing will be
received.  As a result, Torbay Holdings is actively seeking additional financing
while  continuing  to  work  with  Tillotson  Pte  Limited.

NOTE  3     EQUITY
-------     ------

During  May 2001, the Company issued 2,200,000 common shares valued at $0.10 per
share  for  executive  compensation.  In  addition,  the  700,000  outstanding
preferred  shares  were  converted  to  7,000,000  common  shares  at par value.

In  August 2001, the Company issued 600,000 shares of restricted common stock at
$0.10  per  share  for  cash  proceeds  of  $60,000.


<PAGE>
                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                   CONSOLIDATED  STATEMENTS  OF  CASH  FLOWS
                                 (UNAUDITED)

NOTE  4     GOING  CONCERN
-------     --------------

As  reflected  in  the  accompanying  financial  statements,  the  Company  has
accumulated  losses  since inception of $1,345,003, a working capital deficiency
of $150,027, stockholders' deficiency of $290,593 and cash used in operations of
$76,955.  The ability of the Company to continue as a going concern is dependent
on  the  Company's  ability to raise additional funds and implement its business
plan.  The  financial  statements  do  not include any adjustments that might be
necessary  if  the  Company  is  unable  to  continue  as  a  going  concern.

Management's plans include obtaining an open line of credit up to $10,000,000 in
exchange  for  an  option to purchase shares which will provide the Company with
the  funds  it  requires  to  implement  its  business plan (See Notes 2 and 5).

<PAGE>

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

OVERVIEW

     Torbay  Holdings is a development stage company created to act as a holding
company  for late-stage developmental, or early-stage commercial, companies with
opportunities  in niche markets.  Torbay Holdings currently owns one subsidiary,
Designer  Appliances  Ltd.,  and  is  actively  seeking additional acquisitions.
Torbay  Holdings  has acquired valuable intellectual property rights including a
world  wide  patent  application  for  a  computer  mouse  that is thought to be
beneficial  to  computer  mice  users  with regards to the area of treatment and
prevention  of  repetitive strain injury.  This will be exploited through Torbay
Holdings  subsidiary,  Designer  Appliances.

Through Designer Appliances, Torbay Holdings has developed and intends to market
household  appliances  designed  to  be attractive to a premium, upscale market.
Management  believes that they have identified an under exploited opportunity in
the  premium-priced  market  for  household  and  domestic appliances, featuring
attractively  designed  exteriors.  There  is  no assurance that Torbay Holdings
will  be  able  to  successfully  manufacture  or  market  these  items.

In  July  2001,  Torbay  Holdings  entered  into  a  purchase agreement with two
individuals  who hold the intellectual property rights, software and know-how to
a  computer  mouse known as the "KAT".  Under the terms of the agreement, Torbay
Holdings  acquired all of the sellers' rights, title and interests in the KAT in
exchange  for  200,000 super convertible preferred shares.  These shares will be
convertible  into  2,000,000  shares  of  common  stock upon the satisfaction of
certain  financial performance requirements under the agreement's terms.  In the
event  that  the financial performance requirements are not achieved within five
years  from  the  signing  of  the  agreement,  then these preferred shares will
convert  to 200,000 shares of common stock. As of August 15, 2001, the preferred
shares  have  not  been  issued  by  Torbay  Holdings.

In  July 2001, Torbay Holdings entered into an agreement with Multi-Media Group,
Inc.  ("MMGI")  to provide corporate promotional services to Torbay Holdings and
to  assist  with  Torbay  Holdings'  marketing efforts. In consideration for the
provision  of  these future promotional services, Torbay Holdings issued 250,000
shares  of  common  stock  to  MMGI  in  August 2001.  Torbay Holdings will also
reimburse  MMGI for itemized and invoiced costs associated with the provision of
the  promotional  services.

In  September  2001  Torbay  Holdings  also  enter  into  a  Corporate Financing
Consultancy  agreement  with  Glenn Michael Financial Inc to specifically assist
with  potential  financial  requirements,  mergers  and  acquisitions, corporate
capitalization  and  strategic  development.  For  these services Glenn Michaels
received  500,000  shares.

<PAGE>

                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                   CONSOLIDATED  STATEMENTS  OF  CASH  FLOWS
                                 (UNAUDITED)

FOR  RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED SEPT 30, 2001 AND SEPT 30,
2000
     Please  refer  to  item  1.

RESULTS  OF OPERATIONS FOR THE NINE MONTHS ENDED SEPT 30, 2001 AND SEPT 30, 2000

     Please  refer  to  item  1.

LIQUIDITY  AND  CAPITAL  RESOURCES

     Review  accountants  discussions  Item  1

Torbay  Holdings  has  had  insignificant  sales  and revenue.  Since inception,
Torbay  Holdings  and  its  subsidiary  Designer  Appliances  have  focused  on
organizational  activities  and  development  of  Torbay  Holdings' products and
marketing  strategies.  Management  estimates  that it will require between $5.5
million  and $9.0 million for the calendar year 2001.  The higher figure assumes
payment  on  delivery and 90 days debtors, the lower figure assuming zero debtor
days which reflects, though in the extreme, the expectation that most goods will
be supplied on letters of credit.  Designer Appliances will require between $6.5
million  and  $18.2 million on the same basis over the next two years to support
manufacturing  and  marketing  operations  at the planned levels.  These figures
include  an  allocation  of  $1.11 million in capital expenditure, primarily for
tooling costs which in early discussions with one potential manufacturer suggest
may  possibly  be  amortized  into  the  cost  of  product supply.  Intellectual
property  rights and development costs are planned at $1.8 million and sales and
marketing  $6.2  million  for  this  period.  The  acquisition  of  additional
subsidiaries  would  also  require  additional  capital.

Torbay  Holdings'  ability  to  develop  its  operations  is  dependent upon its
receiving  additional  capital  financing.  Torbay Holdings may raise capital by
the  sale  of  its equity securities, through an offering of debt securities, or
from borrowing from a financial institution.  During April 2000, Torbay Holdings
entered  into  a share purchase agreement with Douglaston Investments Limited, a
finance  and investment company.  The agreement stipulates that an interest free
open  line  of  credit  for  up  to  $10,000,000  will be established for Torbay
Holdings  in  exchange  for  an  option  to  purchase 35% of its then issued and
outstanding  stock.  Funding  was  conditioned  upon  the company's common stock
being  acceptable  to  trade  in the public market.   The option will be granted
upon the date of the receipt of the funds.  The option price is set at $2.85 per
share  and  expires  90  days  following  the  repayment of the credit provided.

On  April  9,  2001,  Torbay Holdings received notice that the funding under the
agreement  would  be provided by Tillotson Pte Limited, an investment partner of
Douglaston  Investments, and that an initial draw of $2.0 million on the line of
credit  would be provided no later than April, 20, 2001.  As of the date of this
report, Torbay Holdings had not received funding under the agreement.  Although,
Tillotson  Pte  Limited  has  informed  Torbay  Holdings  that funding under the
agreement  is  imminent,  the  significant  delays  in  closing  the  financing
transaction  raise  substantial  doubt  as  to  whether  such  financing will be
received.  As a result, Torbay Holdings is actively seeking additional financing
while  continuing  to  work  with  Tillotson  Pte.  Limited.

In  August  2001, Torbay Holdings sold 600,000 shares of restricted common stock
to  a  foreign investment entity at $0.10 per share for cash proceeds of $60,000
as interim financing.  Torbay Holdings is currently negotiating with this entity
for  additional  financing  in the amount of $2,000,000.  As of the date of this
report,  no agreement for additional financing has been reached and there can be
no  assurance  that  any  such  agreement will be reached on terms acceptable to
Torbay  Holdings  or  at  all.

<PAGE>
                      TORBAY HOLDINGS, INC. AND SUBSIDIARY
                          (A DEVELOPMENT STAGE COMPANY)
                   CONSOLIDATED  STATEMENTS  OF  CASH  FLOWS
                                 (UNAUDITED)

The  financial  statements appearing elsewhere in this report have been prepared
assuming  that  Torbay  Holdings  will  continue  as  a  going  concern.  Torbay
Holdings'  ability  to  continue its operations is dependent upon its receipt of
revenues  through sales of its products or through raising capital through debt,
equity  financing,  or  borrowing.  If  additional  funds  are  required, Torbay
Holdings  will endeavor to sell additional securities.  If sufficient additional
funding  is  not acquired, alternative sources developed, or revenues from sales
not  received,  Torbay  Holdings could be required to curtail its operations and
there  would  be  substantial  doubt  about  our  ability to continue as a going
concern.

Part  II  -  OTHER  INFORMATION

ITEM  1.     LEGAL  PROCEEDINGS

             None.

ITEM  2.     CHANGES  IN  SECURITIES  AND  USE  OF  PROCEEDS

             None.

ITEM  3.     DEFAULTS  UPON  SENIOR  SECURITIES

             None.

ITEM  4.     SUBMISSION  OF  MATTERS  TO  A  VOTE  OF  SECURITY  HOLDERS

             None.

ITEM  5.     OTHER  INFORMATION

             None.

ITEM  6.     EXHIBITS  AND  REPORTS  ON  FORM  8-K

(a)     Exhibits
        None
(b)     Reports  on  Form  8-K
        None

<PAGE>

                                   SIGNATURES

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

TORBAY  HOLDINGS,  INC.
By:
/s/  William  Thomas  Large
---------------------------
William  Thomas  Large
President  and  Chief  Executive  Officer
(Principal  Executive  Officer  and  Principal  Accounting  Officer)



Date:     November 19,  2001

<PAGE>