<PAGE>


               U.S. SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C. 20549

                             FORM 10-QSB

[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES
                          EXCHANGE ACT OF 1934

          For the Quarterly Period Ended: October 1, 2000

                                 OR
[ ] TRANSITION REPORT UNDER SECTION 13 OR 15 (D) OF THE SECURITIES
                        EXCHANGE ACT OF 1934

    for the transition period from:

                  Commission File Number 33-95796


                           CORZON, Inc.
                           ------------
        (Name of small business issuer in its charter)


         Texas                               76-0406417
         -----                               ----------
  (State or other jurisdiction     (IRS Employer Identification No.)
of incorporation or organization)


                       1087 Broad Street, 4th Floor
                       Bridgeport, Connecticut 06604
                       -----------------------------
      (Address of principal executive offices, including zip code)

               Issuer's telephone number: (203) 333-6389



                             ----------------------
                (Former address, if changed since last report)


<PAGE>



     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 issuer 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:  73,494,998  shares,  as of
November 9, 2000.


<PAGE>



                            TABLE OF CONTENTS
                            -----------------


                                                          PAGE
                                                          ----

PART I  FINANCIAL INFORMATION .........................    3

   Item 1.  Financial Statements ......................    3-8
   Item 2.  Management's Discussion and Analysis
              or Plan of Operation ....................    9-10

PART II  OTHER INFORMATION ............................   11

   Item 1.  Legal Proceedings .........................   11
   Item 2.  Changes in Securities and Use of Proceeds..   12
   Item 3.  Defaults Upon Senior Securities ...........   12
   Item 6.  Exhibits and Reports on Form 8-K...........   13

SIGNATURES.............................................   14





                                   2


<PAGE>



                                     PART I
                              FINANCIAL INFORMATION

Item 1. Financial Statements
----------------------------


                                  Corzon, Inc.
          Consolidated Balance Sheet as of October 1, 2000 (Unaudited)

                               ASSETS
                               ------
CURRENT ASSETS:
         Cash                                         $   192,036
         Accounts receivable                              126,970
         Property and equipment held for sale              88,018
         Prepaid expenses and other current assets        105,661
                                                      -----------
                  Total current assets                    512,685

PROPERTY AND EQUIPMENT                                     45,130

DEPOSITS                                                    7,320
                                                      -----------
TOTAL ASSETS                                          $   565,135
                                                      ===========

                  LIABILITIES AND STOCKHOLDERS' DEFICIT
                  -------------------------------------

CURRENT LIABILITIES:
         Accounts payable                             $   327,994
         Accrued expenses                               1,036,567
         Current portion of long-term debt
           and notes in default                         2,755,439
                                                      -----------
                  Total current liabilities             4,120,000

ACCOUNTS PAYABLE                                          118,059

NOTES PAYABLE OFFICERS                                     26,997

CONVERTIBLE DEBENTURES                                  4,553,652
                                                      -----------
TOTAL LIABILITIES:                                      8,818,708

STOCKHOLDERS' DEFICIT:
         Preferred stock                                1,207,296
         Common stock, $.01 par value, 500 million
           shares, authorized 71,812,741 issued
           and outstanding                                718,128
         Deferred compensation                           (152,734)
         Additional paid - capital                     (7,789,100)
         Accumulated deficit                           (2,237,163)
                                                       -----------
                  Total stockholders' deficit          (8,253,573)
                                                       -----------
                                                      $   565,135
                                                       ===========

              See notes to unaudited financial statements.


                                   3


<PAGE>



                                  Corzon, Inc.
                     Consolidated Statements of Operations

                                           For the 12 Weeks Ended
                                      -----------------------------
                                    October 1,2000    October 3,1999
                                      ------------    -------------
                                        (Unaudited)     (Unaudited)

Revenues                               $     72,020    $        --
Costs and expenses                           60,277         22,428
                                       ------------    -------------
Gross profit (loss)                          11,743        (22,428)

Selling, general and administrative         172,575         28,314
                                       ------------    -------------
   Loss from operations
     before other expense                  (160,832)       (50,742)

Other expense:
         Interest expense                    68,295             --
                                       ------------    -------------
Net loss                               $   (229,127)     $ (50,742)
                                       ============    =============

Net loss per common share
 - basic and diluted                   $      (0.00)   $      (0.06)
                                       ============    =============

Weighted average common shares
    Outstanding - basic and diluted      65,285,226       8,334,489
                                       ============    =============

            See notes to unaudited financial statements.

                                   4
<PAGE>

                                  Corzon, Inc.
                     Consolidated Statements of Operations

                                       For the 40 Weeks Ended
                                    ----------------------------
                                  October 1,2000  October 3, 1999
                                    ------------   -------------
                                     (Unaudited)    (Unaudited)

Revenues                           $     90,970    $       --
Costs and expenses                       99,290         22,428
                                   ------------    ------------
         Gross profit (loss)             (8,320)       (22,428)

Selling, general & administrative       711,582         28,314
                                   ------------    ------------
         Loss from operations before
           other expense               (719,902)       (50,742)

Other expense:
         Interest expense            (1,586,179)           --
                                   ------------    ------------

Loss from continuing operations
  before extraordinary gain          (2,306,081)       (50,742)

         Extraordinary gain on
           debt extinguishment          197,000            --
                                   ------------    ------------

Net loss                           $ (2,109,081)     $ (50,742)
                                   ============    ============

Net loss per common share - basic and diluted
         Continuing operations     $      (0.03)   $      (0.15)
         Extraordinary gain                0.00            --
                                   ------------    ------------
                                   $      (0.03)   $      (0.15)
                                   ============    ============

Weighted average common shares
   Outstanding - basic and diluted   64,257,170       8,325,491
                                   ============    ============

               See notes to unaudited financial statements.

                                     5
<PAGE>

                                  Corzon, Inc.



                                     Consolidated Statements Cash Flows
                                           For the 40 Weeks Ended
                                        ----------------------------
                                      October 1,2000   October 3, 1999
                                        ------------   -------------
                                        (Unaudited)     (Unaudited)

CASH FLOWS FROM OPERATING ACTIVITIES:
 Net loss                               $(2,109,081)   $   (50,742)
                                        -----------     -----------
 Adjustments to reconcile net loss
 to net cash used in operating activities:
  Beneficial conversion
   feature                                1,517,884           --
  Extraordinary gain                       (197,000)          --
  Depreciation                                  791           --
  Amortization of deferred compensation       6,641           --
 Changes in assets and liabilities:
  Decrease (increase) in accounts
   receivable                               (12,688)       (12,602)
  Increase in accounts payable
   and accrued expenses                     126,360         98,267
  Increase in deposits                       (7,308)          --
                                        -----------    -----------
                                          1,434,680         85,665
                                        -----------    -----------

   Net cash provided by (used in)
     operating activities                  (674,401)        34,923
                                        -----------    -----------

CASH FLOWS FROM INVESTING ACTIVITIES:
   Capital expenditures                     (17,109)          --
                                        -----------    -----------

   Net cash used in investing               (17,109)          --
                                        -----------    -----------

CASH FLOWS FROM FINANCING ACTIVITIES:
   Payment of note payable - officer        (17,157)          --
   Proceeds from convertible debentures     900,000           --
                                        -----------    -----------
   Net cash provided by
     financing activities                   882,843          --
                                        -----------    -----------


   Net increase in cash                     191,333         34,923
                                        -----------    -----------

CASH, beginning of period                       703           --
                                        -----------    -----------

CASH, end of period                     $   192,036    $    34,923
                                        ===========    ===========

SUPPLEMENTAL DISCLOSURE OF CASH FLOW
 INFORMATION:
  Assumption of net liabilities for common stock:
   Convertible debentures                 3,653,652           --
   Notes payable officer                     45,454           --


            See notes to unaudited financial statements.



                                    6



<PAGE>

                                  Corzon, Inc.
  Notes To Consolidated Financial Statements as of October 1, 2000 (Unaudited)


1.   Basis Of Preparation

     The  accompanying  unaudited  financial  statements  have been  prepared in
accordance with generally accepted  accounting  principles for interim financial
statements  and  with  the  instructions  to Form  10-QSB  and  Item  310(b)  of
Regulation S-B.  Accordingly,  these financial  statements do not include all of
the information and disclosures required for annual financial statements.

     In the opinion of the Company's management,  all adjustments (consisting of
normal recurring  accruals)  necessary to present fairly the Company's financial
position as of October 1, 2000, and the results of operations and cash flows for
the periods ended October 1, 2000 and October 3, 1999 have been included.

     The results of  operations  for the period ended  October 1, 2000,  are not
necessarily indicative of the results to be expected for the full year.

2.   Acquisition

     Effective May 31, 2000 (closing  date June 2, 2000),  the Company  acquired
all of the common stock of Fone.com,  Limited ("Fone.com"),  a company organized
under the laws of England and Wales,  in exchange for  40,000,000  shares of the
Company's  common  stock  and  the  assumption  of  $3,453,652  of  debt  of DCI
Telecommunications,  Inc. The  acquisition  has been  accounted for as a reverse
acquisition  under the purchase method for business  combinations.  Accordingly,
the  combination  of the two  companies  is  recorded as a  recapitalization  of
Fone.com,  pursuant  to which  Fone.com  is  treated as the  continuing  entity.
Following  the  acquisition,  Fone.com was renamed B4B  Communications,  Limited
("B4B").

     On June 7, 2000,  the  Company  received a net  investment  of  $900,000 in
exchange for 6% secured convertible debentures. The Company issued debentures in
an aggregate principal amount of $4,553,652,  of which $4,353,652 were issued to
Sherman LLC  ("Sherman")  and $200,000  were issued to Triton  Private  Equities
Fund, LP ("Triton").  The  debentures  issued to Triton were issued to refinance
existing  indebtedness  owed to Triton.  The  debentures  issued to Sherman were
issued in exchange  for an  investment  of  $900,000 by Sherman,  the payment of
$200,000 of the Company's  existing  indebtedness  by Sherman,  and to refinance
another $3,653,652 of existing indebtedness owed by the Company.

     The  debentures  issued to Sherman and Triton entitle the holder to convert
all or a portion of the debentures into shares of the Company's  common stock at
a conversion price which is the lower of $.75 per share or a variable conversion
price of  seventy-five  percent (75%) of the average of the five lowest  closing
prices of stock during the twenty preceding  trading days  immediately  prior to
the date of conversion.  The maximum number of shares of common stock into which
the holder of the debenture may convert is capped at 4.9% of the total number of
outstanding  shares of common stock,  as  determined in accordance  with Section
13(d) of the  Securities  Exchange  Act of 1934,  as amended  subject to certain
specific  exceptions . The holder of the debenture  may convert into  additional
shares of common stock only to the extent that previously  converted  shares are
sold in the open market,  so that the amount  beneficially  owned by that holder
does not exceed 4.9% subject to certain specific exceptions.  The debentures are
secured by all of the assets and property of the Company,  including a pledge of
all outstanding  shares of B4B, one of the Company's wholly owned  subsidiaries.
In addition, the Company agreed to file, and has filed, a registration statement
with the SEC covering resale of the common stock issuable upon conversion of the
debentures.  Subsequently, the Company has been given a 90-day extension to file
the aforementioned registration statement.

                                       7

<PAGE>

3.   Earnings Per Share

     The  following  table  represents  the  calculation  of basic  and  diluted
earnings per share:


Corzon, Inc.

                          For the 12 Weeks       For the 40 Weeks
                                Ended                  Ended
                        --------------------   --------------------
                         October 1 October 3  October 1  October 3
                           2000      1999       2000       1999
                        ---------- ---------  ----------  ---------
                      (Unaudited) (Unaudited) (Unaudited)(Unaudited)

Net loss              $ (1,636,828) ($50,742) $(1,998,898) ($50,742)

Less:
 Dividends on Series A    (138,436) (138,436)   (415,309)  (415,308)
 Preferred Stock

 Dividends on Series D    (154,595) (132,929)   (476,525)  (374,860)
 Preferred Stock

 Dividends on Series E    (148,900) (137,069)   (446,700)  (427,527)
 Preferred Stock

 ------------------

 Net loss attributable
 to common shareholder $(2,078,759)$(459,176)$(3,337,432)$(1,268,437)

 Weighted average common
 shares outstanding     65,285,226 8,334,489  64,257,170  8,325,491


4.   Common Stock

     In August,  2000 the Company  issued  1,275,000  shares of common  stock to
Morrow & Company and 1,275,000 shares to William Poudrier, an employee of Morrow
for services  commencing  September 1, 2000.  These  services are for a two year
period  ending  August 31, 2002,  and are for Morrow to serve as an advisor with
respect to stock  watch,  investor  relations,  corporate  governance  and proxy
related matters. The shares were valued at $.0625 per share.

     In September,  66,098 and 234,183 shares of common stock were issued to two
individuals  resulting  from  their  conversion  of 1.5 and 6 shares of Series D
preferred stock.

     Also in  September,  2,105,263  shares of common stock were issued to Sysco
Food Services to complete a settlement  agreement with Sysco that was previously
reported. The shares were valued at $.0475 per share.


                                  8


<PAGE>



Item 2. Management's Discussion and Analysis or Plan of Operation
-----------------------------------------------------------------

     The following discussion and analysis provides information which management
believes is relevant to an assessment and understanding of the Company's results
of  operations  and  financial  condition.  This  discussion  should  be read in
conjunction with the financial  statements and notes thereto appearing elsewhere
herein.

General
-------

     Effective May 31, 2000,  (closing date June 2, 2000),  the Company acquired
all of the common stock of Fone.com,  Limited ("Fone.com"),  a company organized
under the laws of  England  and Wales  that has been  subsequently  renamed  B4B
Communications,  Limited,  from DCI  Telecommunications,  Inc. in  exchange  for
40,000,000 shares of the Company's common stock and the assumption of $3,453,652
of debt of DCI. The acquisition has been accounted for as a reverse  acquisition
under  the  purchase  method  for  business   combinations.   Accordingly,   the
combination  of the two  companies  is  recorded as a  recapitalization  of B4B,
pursuant  to which B4B is treated as the  continuing  entity.  Accordingly,  the
Statement of Operations reflects the activity of B4B since inception.

     On June 7, 2000,  the  Company  received a net  investment  of  $900,000 in
exchange for 6% secured convertible debentures.  Tanners Restaurant Group, Inc.,
now known as Corzon,  Inc.,  issued the  Debentures  in an  aggregate  principal
amount of $4,553,652, of which $4,353,652 were issued to Sherman LLC ("Sherman")
and $200,000 were issued to Triton Private  Equities  Fund, LP  ("Triton").  The
debentures issued to Triton were issued to refinance existing  indebtedness owed
to Triton.  The  debentures  issued to Sherman  were issued in  exchange  for an
investment  of  $900,000 by  Sherman,  the payment of $200,000 of the  Company's
existing  indebtedness  by  Sherman,  and to  refinance  another  $3,653,652  of
existing indebtedness owed by the Company.

Results of Operations
---------------------

     Revenues and costs and expenses for the 12 weeks ended October 1, 2000 were
$72,020 and $60,277 respectively, and $90,970 and $99,290 for the 40 week period
ended October 1, 2000 respectively. There were no revenues and minimal costs and
expenses for the comparable 1999 period.

     Selling, general and administrative expenses for the 12 weeks ended October
1, 2000 were $165,934 and for the 40 weeks ended October 1, 2000 were  $704,941.
For the 12 week period, SG&A consisted  principally of legal and accounting fees
relating  to the  filing of an SB-2 Registration  Statement  and the legal  fees
associated  with the on-going  negotiations  and settlement of certain  lawsuits
against the Company.

     The Company  recognized  interest  expense of $68,295 for the quarter  as a
result of the beneficial  conversion  feature of the  convertible  debentures of
$4,553,652 assumed in the acquisition of B4B.

Liquidity and Capital Resources
-------------------------------

     Cash used in  operations for the period ended October 1, 2000 was $379,115,
principally as a result of the operating loss before non-cash items of $713,261.

     At October 1, the  Company's  primary  source of liquidity  was $192,036 in
cash.

                                       9

<PAGE>

     Management  believes that the Company's  sources of working  capital may be
insufficient to meet its ongoing financial  obligations.  As of October 1, 2000,
we had $192,036 in cash, but we had current liabilities of $4,120,000 as of that
date and  generated  revenues of only $90,970  during the 40 weeks ended on that
date. Our current  liabilities are in addition to our long term debt. We hope to
renegotiate or restructure our outstanding  debt on more favorable terms; but if
we cannot  renegotiate our debt on more favorable  terms, and if our revenues do
not grow with sufficient  speed and magnitude,  we may become unable to continue
as a going  concern.  Because we have  pledged the  outstanding  stock of B4B to
Sherman and Triton as security for our  outstanding  indebtedness  to them,  any
default on that  indebtedness  will enable Sherman and Triton to take control of
B4B, and we could be left without any business with which to generate revenue.

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

     This  report  contains  forward-looking  statements  within the  meaning of
Section 27A of the  Securities  Act of 1933 and  Section  21E of the  Securities
Exchange Act of 1934.  These statements  relate to future economic  performance,
plans and  objectives of management  for future  operations  and  projections of
revenues  and  other  financial  items  that  are  based on the  beliefs  of our
management,  as well as assumptions made by, and information currently available
to, our management.  The words "expect," "estimate," "anticipate," "believe" and
similar expressions are intended to identify forward-looking  statements.  Those
statements involve risks, uncertainties and assumptions,  including industry and
economic  conditions,  competition  and other factors  discussed in this and our
other  filings  with the SEC.  If one or more of  these  risks or  uncertainties
materialize or underlying assumptions prove incorrect,  actual outcomes may vary
materially form those indicated.



                                       10


<PAGE>



                                     PART II
                                OTHER INFORMATION

Item 1. Legal Proceedings
-------------------------

We are a named party in the following legal proceedings:

     On June 1, 1998, Harvest Restaurant Group, Inc. (now known as Corzon, Inc.)
was named as a defendant in a lawsuit filed in Texas in Nueces District Court by
Lin Chin Liu Ho and Chi Pen Ho (Case  Number  98-2048-E).  The Court has awarded
the plaintiffs a judgment against us in the amount of $75,000. In addition,  the
Court  awarded  a  post-judgment  writ of  garnishment  against  one of our bank
accounts. Settlement discussions are ongoing.

     On August 12, 1998,  Harvest was named as a defendant in a lawsuit filed in
Texas by Green Tree Vendor Services Co. in Bexar County Court (Case No. 247317),
seeking  recovery of damages of $38,691 for  Harvest's  failure to make payments
under two equipment  leases.  The court awarded the plaintiffs a judgment in the
amount of $38,691.

     On August 20, 1998,  Harvest was named as a defendant in a lawsuit filed in
Texas by Toufic Khalife in Bexar County District Court in Case No.  98-CI-12200.
The Court entered a judgement in favor of the plaintiff for $87,500,  plus court
costs and interest.  We have settled this  judgement  with Mr. Khalife by paying
Mr.  Khalife  $50,000 in cash,  issuing  925,926  shares of common  stock to Mr.
Khalife,  and  agreeing  to  register  the  resale  of such  shares  on a future
registration statement.

     On April 14, 2000, Sysco Food Service of Atlanta,  L.L.C. filed a complaint
against us in the Superior  Court of Fulton  County,  Georgia.  A settlement was
reached  with Sysco  whereby the Company  paid Sysco  $60,000 in cash and issued
2,105,263  shares of common  stock to Sysco and agreed to register the resale of
such shares in a recently filed registration statement.

         On June 22, 2000, the Company and certain of its  affiliated  companies
was named as a defendant in a lawsuit filed by FINOVA  Mezzanine  Capital,  Inc.
The litigation arose out of certain  guaranties  executed by the Company and its
affiliated companies in connection with two promissory notes executed by Hartan,
Inc., a  wholly-owned  subsidiary of the Company,  in January 1999 in connection
with the  merger  of TRC  Acquisition  Corporation  with and  into  Hartan.  The
Complaint sought a judgment against the Company and the affiliated  companies in
the amount of $1,790,323.52 plus interest, costs and attorneys fees. We recently
settled this  litigation by paying FINOVA  Mezzanine  Capital,  Inc.  $50,000 in
cash,  issuing  1,700 shares of Series D convertible  preferred  stock to FINOVA
Mezzanine Capital, Inc., and agreeing to register the resale of the common stock
issuable upon conversion of such shares in a future registration  statement.  In
addition,  we  credited  or  waived  the $.01 per share  exercise  price for the
warrant held by FINOVA  Mezzanine  Capital,  Inc. against the amount owed by the
Company in  connection  with the  settlement  with  respect to an  exercise  for
756,331 shares of common stock under such warrant.

     We  are  involved  in  certain other claims arising in the normal course of
business.  In our  opinion,  although  the  outcome  of these  other  claims are
uncertain,  in the  aggregate  they are not  likely to have a  material  adverse
effect on us.


                                       11

<PAGE>

Item 2. Changes in Securities and Use of Proceeds
-------------------------------------------------

     We have issued the following unregistered  securities in reliance on one or
more of the exemptions from registration provided by Sections 3(a)(9), 3(a)(11),
4(2) and 4(6) of the Securities  Act,  Regulation D and Rule 701, as promulgated
by the  SEC  under  the  Securities  Act.  Recipients  of  securities  in  these
transactions   represented   their  intention  to  acquire  the  securities  for
investment  purposes  only and not with a view to or for the sale in  connection
with any distribution thereof, and appropriate legends were affixed to the share
certificates  issued in such  transactions.  We believe that all  recipients  of
these  securities  had  adequate  information  about us,  either  through  their
relationships with us, or through information that we provided to them.

     In May 2000, we issued 12,191,018 shares of common stock to certain holders
of our Series D preferred  stock upon their  conversions  of 290.6 shares of our
Series D preferred stock.

     Also in May 2000, we issued a convertible  note in the principal  amount of
$50,000 to Bonham Drive LLC. This note bears interest at a rate of 7% per annum,
is  convertible  into shares of common stock at a  conversion  price of $.03 per
share, and matures on December 31, 2000.

     In June  2000,  we  issued  40,000,000  shares of our  common  stock to DCI
Telecommunications, Inc. in connection with our acquisition of B4B.

     Also in June 2000,  we issued two 6% Secured  Convertible  Debentures in an
aggregate  principal  amount of $4,553,652.  These Debentures bear interest at a
rate of 6% per annum and will mature on June 7, 2002. These  Debentures  entitle
the holders thereof to convert all or a portion of the Debentures into shares of
our common stock at a conversion  price which is the lower of (i) $.75 per share
or (ii) seventy-five percent of the average of the five lowest closing prices of
our common stock during the twenty preceding  trading days immediately  prior to
the date of conversion.  The maximum number of shares of common stock into which
the holder of a Debenture  may convert is capped at 4.9% of the total  number of
outstanding shares of our common stock, as determined in accordance with Section
13(d) of the  Securities  Exchange  Act of 1934,  as amended  subject to certain
specific  exceptions.  The holder of a  Debenture  may convert  into  additional
shares of common stock only to the extent that  previously  converted  shares of
common stock have been sold in the open  market,  such that that total number of
shares  beneficially  owned by that  holder  does not  exceed  4.9%,  subject to
certain specific exceptions,  of the outstanding shares of our common stock. The
Company may redeem the Debentures in whole or in part at redemption  prices that
increase  over time from  123.33% of the  principal  amount  (during the 120 day
period  following June 7, 2000) to 133.33% of the principal  amount (at any time
more than 180 days after June 7, 2000). The Debentures are secured by all of the
assets and property of the Company, including a pledge of all of the outstanding
shares of B4B.

In August,  2000 we issued  1,275,000 shares of common stock to Morrow & Company
and  1,275,000  shares to William  Poudrier,  an employee of Morrow for services
commencing  September 1, 2000.  These  services are for a two year period ending
August 31, 2002, and are for Morrow to serve as an advisor with respect to stock
watch,  investor relations,  corporate governance and proxy related matters. The
shares were valued at $.0625 per share.

In  September,  66,098 and  234,183  shares of common  stock were  issued to two
individuals  resulting  from  their  conversion  of 1.5 and 6 shares of Series D
preferred stock.

Also in  September,  2,105,263  shares of common stock were issued to Sysco Food
Services  to  complete a  settlement  agreement  with Sysco that was  previously
reported. The shares were valued at $.0475 per share.


Item 3. Defaults Upon Senior Securities
---------------------------------------

     Prior to the  acquisition  of B4B,  the  Company  had  sold its  restaurant
business  and had no assets or  ongoing  operations.  Given that a number of its
liabilities  remained outstanding during this period, we must assume that we and
our   subsidiaries   are  in  default   under   nearly  all  of  the   Company's
pre-acquisition obligations. In the aggregate, these obligations,  some of which
are set forth below, total approximately $4.2 million.

                                       12

<PAGE>

     As of October 1, 2000,  we believe that Hartan is in default  under,  among
other things,  its  $2,000,000  note to FINOVA  Mezzanine  Capital,  Inc. We had
executed a guaranty of this note, of which a principal  amount of  approximately
$1,790,000  remains  outstanding.  As described  above, a settlement was reached
with Finova subsequent to the end of the quarter.

We believe that certain of the affiliated  Tanner's  companies may be in default
under  notes to:  SECA  VII,  LLC,  in the  principal  amount  of  approximately
$350,000;  Ralph D'Iorio,  in the principal  amount of  approximately  $306,617;
Colonial  Bank, in the principal  amount of  approximately  $213,353;  and First
Union National Bank, in the principal  amount of approximately  $92,469.  To the
knowledge of the new  management  team, we have not been notified  whether we or
our subsidiaries are in default under these obligations;  accordingly,  pursuant
to the instruction to Item 3(a) of Form 10-QSB,  we have not provided all of the
information required by Item 3(a) of Form 10-QSB.

     We have not paid dividends on our Series A preferred stock since June 1998,
and we are currently analyzing our alternatives for addressing these arrearages.
The amount of dividends that accrued on the Series A preferred  stock during the
third quarter of 2000 was $138,436.  As of October 1, 2000, the aggregate amount
of the  dividends in arrears  with  respect to our Series A preferred  stock was
$1,291,342.

Item 6. Exhibits and Reports on Form 8-K
----------------------------------------
(a)      Exhibits                        - NONE -

(b)      Reports on Form 8-K. During the third quarter we filed the
         following report on Form 8-K/A:

(i)                    One August 14,  2000,  we filed a report on Form 8-K/A to
                       amend a report on Form 8-K  dated May 31,  2000 and filed
                       on June 19, 2000  describing the acquisition of Fone.com.
                       The  purpose  of the  amendment  was to  provide  interim
                       financial statements and pro forma financial  information
                       as required by Regulation S-X.











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<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, thereunto duly
authorized.


                                 CORZON, INC.


Date: November 20, 2000         By: /s/ Lawrence Shatsoff
                                 -------------------------
                                 Name:  Lawrence Shatsoff
                                 Title: President











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