UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.

                               FORM 10-KSB

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

     For the fiscal year ended SEPTEMBER 30, 2000

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


                        Commission File No.  0-5662

                          CARDIFF COMMUNICATIONS
          (Exact name of Registrant as specified in its charter)

                       NEVADA                          87-0267292
          (State or other jurisdiction of             (IRS Employer
          incorporation or organization)           Identification No.)

        10200 WEST 44TH AVENUE, SUITE 400, WHEAT RIDGE, CO 8033
           (Address and zip code of principal executive offices)

Registrant's telephone number, including area code: (303) 422-8127

Securities registered pursuant to Section 12(b) of the Act: NONE
Securities registered pursuant to Section 12(g) of the Act: NONE

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.
 [ X] YES     [   ] NO

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to
this Form 10-K.    [ X ]

Revenue for the year ended September 30, 2000:   $3,800.

As of September 30 2000 it is unclear as to the aggregate market value of the
voting stock held by non-affiliates of the Registrant.  This is due to the low
or almost non-existing trading of the Registrant's Securities.

As of September 30 2000 the number of shares outstanding of the Registrant's
Common Stock was 6,800,544.






                                  PART I



ITEM 1.  DESCRIPTION OF BUSINESS

          Cardiff Communications, Inc.,  ("the Company") was organized in
December 1906 in the State of Utah under the name "Cardiff Industries."
Subsequently, the name was changed to "Cardiff Communications."   On July
12, 2000 the Company changed  it's domicile to the State of Nevada.  The
Company has had no operations in the last 10 years.

          The Company is currently seeking a business opportunity merge with
or acquire, but to date has not located in any such business opportunities.
There is no assurance that the Company will be successful in finding any
business opportunity  to merge with or acquire.

ITEM 2.  DESCRIPTION OF PROPERTY

          The Company currently has no office and pays no rent or expenses.

ITEM 3.  LEGAL PROCEEDINGS

          None

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

          None





                                  PART II



ITEM 5.  MARKET PRICE FOR REGISTRANT'S COMMON EQUITY AND
               RELATED STOCKHOLDER MATTERS

          Because this report is being prepared in 2000, the Company has not
been able to obtain any reliable trading history for the period reported.
During the year ended September 30, 2000 there appeared to be little or no
trading in the stock of the Company.  As of September 30, 2000, the Company
had approximately 1,165  shareholders of record.

          The Company has not declared any cash dividends on its Common Stock
since inception and its Board of Directors has no present intention of
declaring any dividends.  For the foreseeable future, the Company intends to
retain all earnings, if any, for use in the development and expansion of its
business.

ITEM 6.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
          AND RESULTS OF OPERATIONS

FINANCIAL CONDITION

          The Company had revenue of $3,800 during the year ended September
30, 2000.  Total stockholders' equity was  $(64,566), as compared to $(65,366)
at September 30, 1999. The Company has no operating capital for future
operations.

LIQUIDITY AND CAPITAL RESOURCES

          The Company has no liquid assets and is currently in the process of
looking for business opportunities to merge with or acquire.  At minimum, the
Company will need to raise additional capital through private funding to meet
the financial needs of being a reporting company.  There is no guarantee that
the Company will be successful in obtaining necessary funding to develop any
business opportunities.

RESULTS OF OPERATIONS

          The Company reported a net income of $800 for the year ended
September 30, 2000, compared to a loss of $(2,366) for the previous year.  The
Company anticipates very little or no overhead from future operations until
a successor business can be acquired or merged.

ITEM 7.  FINANCIAL STATEMENTS

(a)(1)    The following financial statements of the Company and its
subsidiaries have been filed as part of this report (see Item 8 "Financial
Statements and Supplementary Data"):

          Independent Auditors' Report

          Balance Sheets as of September 30, 2000.

          Statements of Operations for the years ended September 30, 2000 and
September 30, 1999.

          Statement of Stockholders' Equity for the period from October 1,
1998 to September 30, 2000.

          Statement of Cash Flows for the years ended September 30, 2000 and
September 30, 1999.

          Notes to Financial Statements.

  (2)     Schedules are omitted because of the absence of conditions under
which they are required or because  the required information is given in the
financial statements or notes thereto.




                                 PART III



ITEM 8.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

     The following information is furnished with respect to the Company's
Board of Directors and executive officers.  There are no family relationship
between or among any of the Company's directors or executive officers.

DIRECTORS AND EXECUTIVE OFFICERS

                           Age          Director
     Name                (2000)          Since     Position with the
Company
Robert Wallace              50           2000      President, CEO and Director
6975 South Union Park Drive
Suite 600
Salt Lake City UT 84047


Robert Wallace, President and Director, has been a teacher, counselor and
school administrator in the Southern California for the last 30 years.  Since
his retirement from the school system, Mr. Wallace has been involved in several
mergers and acquisitions for the past several years.

Mr. Wallace has a bachelors degree in animal husbandry from Brigham Young
University, a masters degree in counseling psychology from Arizona State
University, and a PHD in Counseling Psychology from USC.

ITEM 9.  EXECUTIVE COMPENSATION

COMPENSATION OF EXECUTIVE OFFICERS AND DIRECTORS

     None.

EMPLOYMENT AGREEMENTS AND OTHER COMPENSATION ARRANGEMENTS

     None.

COMPENSATION OF NON-EMPLOYEE DIRECTORS

     None.


ITEM 11.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

       Amount and Nature
      Name and Address          Of Beneficial        Percent of
      of Beneficial Owner          Ownership           Class

Robert Wallace                       -0-                  0 %
6975 South Union Park Drive
Suite 600
Salt Lake City UT 84047

ITEM 12.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

      Other than executive compensation, during the reported year the
Registrant did not enter into any transactions with management which are to be
reported under this Item.

ITEM 12.  EXHIBITS, AND REPORTS ON FORM 8-K

(A)   Exhibits

     EXHIBIT
     NO.                    DESCRIPTION

     23.01           Consent of Crouch, Bierwolf & Chisholm

     27.01           Financial Data Schedule

(b) The Registrant filed no current reports on Form 8-K during the last year
of the fiscal year ended September 30, 2000.

                                SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Registrant has duly caused this Report to be signed on its
behalf by the undersigned, thereunto duly authorized.

                   Cardiff Communications, Inc.

                   By:  Robert Wallace

                   /s/  Robert Wallace

Dated: December 21, 2000

Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below by the following persons of behalf of the
Registrant and in the capacities and on the dates indicated.


SIGNATURE                   TITLE                           DATE

/s/ Robert Wallace          President and Director
                            (Principal Executive and
                             Financial Officer)             December 21, 2000






                       INDEX TO FINANCIAL STATEMENTS




Report of Independent Certified Public Accountant

Financial Statements:

       Balance Sheet - September 30, 2000.

       Statements of Operations - For the years ended September 30, 2000 and
September 30, 1999 and from October 1, 1998 to September 30, 2000.

       Statement of Stockholders' Equity - For the period from September 30,
1998 to September 30, 2000.

       Statement of Cash Flows - For the years ended September 30, 2000 and
September 30, 1999.

       Notes to Financial Statements









                     INDEPENDENT AUDITOR'S REPORT


Stockholders and Directors
Cardiff Communications, Inc.
Salt Lake City, Utah


     We have audited the accompanying balance sheet of Cardiff Communications,
Inc. as of September 30, 2000 and the related statements of operations,
stockholders' equity, and cash flows for the years ended September 30, 2000
and 1999.  These financial statements are the responsibility of the company's
management.  Our responsibility is to express and opinion on these financial
statements based on our audit.

     We conducted our audit in accordance with generally accepted auditing
standards.  Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of
material misstatement.  An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements.
An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall
financial statement presentation.  We believe that our audit provides a
reasonable basis for our opinion.

     In our opinion, the financial statements referred to above present
fairly, in all material respects, the financial position of Cardiff
Communications, Inc. at September 30, 2000, and the results of its operations
and cash flows for the years ended September 30, 2000 and 1999 in conformity
with generally accepted accounting principles.

     The accompanying financial statements have been prepared assuming that
the Company will continue as a going concern.  As discussed in Note 5, the
Company's recurring operating losses and lack of working capital raise
substantial doubt about its ability to continue as a going concern.
Management's plans in regard to those matters are also described in Note 5.
The financial statements do not include any adjustments that might result from
the outcome of this uncertainty.




Salt Lake City, UT
November 9, 2000

                     CARDIFF COMMUNICATIONS, INC.
                            Balance Sheet


                                ASSETS

                                                          September 30,
                                                              2000
CURRENT ASSETS

     Interest receivable                               $        4,434

     TOTAL CURRENT ASSETS                              $       4,434


                 LIABILITIES AND STOCKHOLDERS' EQUITY

CURRENT LIABILITIES

     Interest Payable                                       $        9,000
     Note Payable (Note 4)                                          60,000

     Total Current Liabilities
                                                                    69,000


STOCKHOLDERS' EQUITY (DEFICIT)

     Common Stock 10,000,000 shares
        authorized at $.001 par value;
        6,800,544 shares issued and outstanding                  6,801
     Capital in Excess of Par Value                              9,199
     Retained Deficit (dated 9/30/97 in conjunction with
        Quasi Reorganization)                                  (4,566)
     Subscriptions Receivable (Note 3)                        (76,000)
     Total Stockholders' Equity (Deficit)
                                                              (64,566)

                                                       $        4,434


                     CARDIFF COMMUNICATIONS, INC.
                       Statements of Operations



                                        For the Year         For the Year
                                        Ended                Ended
                                         September 30,       September 30,
                                               2000                  1999

REVENUE

     Interest Income                    $   3,800           $     634
EXPENSES

     Interest Expense                      3,000                3,000

            Total Expenses                  3,000               3,000

NET INCOME (LOSS) - Before Taxes            $800           $   (2,366)

     Taxes (Note 1)                          -                   -

INCOME (LOSS)                         $     800           $    (2,366)

Loss Per Common Share (Note 1)        $      -      $            -

Average Outstanding Shares             6,800,544             5,374,782


                     CARDIFF COMMUNICATIONS, INC.
                  Statements of Stockholders' Equity
            September 30, 1998 through September 30, 2000


                                            Capital in
                        Common     Common    Excess of          Retained
                        Shares     Stock     Par Value          Deficit

Balance, September
30, 1998              4,900,544     4,901          (64,901)       (3,000)

Issuance of
common shares for
note at $.04 per share 1,900,000     1,900   74,100       -

Loss for
the Year                 -            -                 -          (2,366)

Balance,
September
30, 1999              6,800,544       6,801      9,199           (5,366)

Loss for
the Year                 -              -            -              800

Balance,
September
30, 2000              6,800,544   $     6,801     9,199           (4,566)


                     CARDIFF COMMUNICATIONS, INC.
                       Statements of Cash Flows


                                          For the Year         For the Year
                                           Ended                  Ended
                                          September 30,         September 30,
                                            2000                  1999

CASH FLOWS FROM
     OPERATING ACTIVITIES
   Net Income (Loss)                     $     800   $ (2,366)
   Increase (Decrease) in
      Interest receivable                   (3,800)      (634)
      Interest payable                       3,000      3,000
                                               -           -

CASH FLOWS FROM
  INVESTING ACTIVITIES                         -          -
                                               -         -
CASH FLOWS FROM
  FINANCING ACTIVITIES                         -         -
                                               -         -

INCREASE (DECREASE) IN CASH
  AND CASH EQUIVALENTS                        -           -

CASH AND CASH EQUIVALENTS
   AT THE BEGINNING OF PERIOD                  -         -

CASH AND CASH EQUIVALENTS
  AT END OF PERIOD         $                  -        $  -

CASH PAID DURING THE PERIOD FOR:
   Interest                              $     -     $    -
   Taxes                                 $     -     $    -

NON CASH TRANSACTION
   Stock issued for Note                 $     -     $ 76,000




                     CARDIFF COMMUNICATIONS, INC.
                  Notes to the Financial Statements
                          September 30, 2000

NOTE 1 - SIGNIFICANT ACCOUNTING POLICIES

     Organization and Business - The Company was organized on December 8, 1906
in the State  of Utah under the name of "Cardiff Industries."  Subsequently,
the name was changed to  "Cardiff Communications, Inc.".   During the year,
the Company changed its domicile to the  State of Nevada.  The Company's
management anticipates merging with an as yet unidentified on-going business
in the future.


NOTE 2 -INCOME TAXES

     The Company adopted Statement of Financial Standards No. 109 "Accounting
for Income  taxes" in the fiscal year ended September 30, 1999.

     Statement of Financial Accounting Standards No. 109 "Accounting for
Income Taxes" requires an asset and liability approach for financial
accounting and reporting for income tax  purposes.  This statement recognizes
(a) the amount of taxes payable or refundable for the current year and (b)
deferred tax liabilities and assets for future tax consequences of events
that have been recognized in the financial statements or tax returns.

     Deferred income taxes result from temporary differences in the
recognition of accounting transactions for tax and financial reporting
purposes.  There were no temporary differences for the current year
accordingly, no deferred tax liabilities have been recognized.

     No provision for income taxes has been recorded due to net operating loss
carryforward  totaling approximately $0 that will be offset against future
taxable income. The NOL  carryforward begins to expire in the year 2020.  No
tax benefit has been reported in the financial statements.

     Deferred tax assets and the valuation account at September 30, 2000 is as
follows:

          Deferred tax asset:
             NOL carryforward                $             -
             Valuation allowance             $             -
             Total                           $             -


NOTE 3 -USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS

     The preparation of financial statements in conformity with generally
accepted accounting principles requires management to make estimates and
assumptions that affect reported  amounts of assets and liabilities,
disclosure of contingent assets and liabilities at the date of the
financial statements and revenues and expenses during the reporting
period.  In these  financial statements, assets, liabilities and earnings
involve extensive reliance on  management's estimates.  Actual results could
differ from those estimates.

                     CARDIFF COMMUNICATIONS, INC.
                  Notes to the Financial Statements
                          September 30, 2000



NOTE 4 - COMMON STOCK TRANSACTIONS

     In 1999, the Company issued 1,900,000 shares of common stock at $.04, for
a note receivable of $76,000.  The note bears interest at 5% and is payable on
demand.

NOTE 5 - NOTE PAYABLE

     The company has issued an unsecured note payable in the amount of $60,000
bearing interest at 5% per year.  Principle and interest of the note is due
and payable on demand.  The note  payable is convertible into common stock at
75% of market value or par value, whichever is greater.

NOTE 6 - GOING CONCERN

     The accompanying financial statements have been prepared assuming that
the company will  continue as a going concern.  The company has had recurring
operating losses for the past  several years and is dependent upon financing
to continue operations.  The financial statements do not include any
adjustments that might result from the outcome of uncertainty.

     It is management's plan to find an operating company to merge with, thus
creating necessary  operating revenue.








We hereby consent to the use of our audit report of Cardiff Communications,
Inc. dated for the year ended September 30, 2000 in the Form 10KSB Annual
Report for the year 2000.


s/s Crouch, Bierwolf & Chisholm

Salt Lake City, UT