EXHIBIT 31

                                CERTIFICATION

I, Anthony N. DeMint, certify that:

     1.   I  have  reviewed  this  quarterly  report  on  Form  10-QSB   of
          Too Late Financial Corporation;

     2.   Based  on my knowledge, this quarterly report does not contain  any
          untrue  statement  of a material fact or omit to state  a  material
          fact  necessary  to  make the statements  made,  in  light  of  the
          circumstances under which such statements were made, not misleading
          with respect to the period covered by this quarterly report;

     3.   Based   on  my  knowledge,  the  financial  statements,  and  other
          financial  information  included in this quarterly  report,  fairly
          present  in all material respects the financial condition,  results
          of  operations and cash flows of the registrant as of, and for, the
          periods presented in this quarterly report;

     4.   I  am  the  sole officer and director pf the registrant  and  I  am
          responsible  for  establishing and maintaining disclosure  controls
          and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-
          15(e)) and internal control over financial reporting (as defined in
          Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant  and
          have:

          (a)  Designed  such disclosure controls and procedures,  or  caused
               such  disclosure controls and procedures to be designed  under
               my  supervision, to ensure that material information  relating
               to  the  small  business  issuer, including  its  consolidated
               subsidiaries,  is  made  known to me by  others  within  those
               entities, particularly during the period in which this  report
               is being prepared;

          (b)  Designed  such  internal control over financial reporting,  or
               caused  such internal control over financial reporting  to  be
               designed under my supervision, to provide reasonable assurance
               regarding  the  reliability  of financial  reporting  and  the
               preparation  of financial statements for external purposes  in
               accordance with generally accepted accounting principles;

          (c)  Evaluated  the  effectiveness of the  registrant's  disclosure
               controls  and  procedures  and presented  in  this  report  my
               conclusions about the effectiveness of the disclosure controls
               and  procedures, as of the end of the period covered  by  this
               report based on such evaluation; and

          (d)  Disclosed  in  this  report  any change  in  the  registrant's
               internal control over financial reporting that occurred during
               the  small  business issuer's most recent fiscal quarter  (the
               small  business issuer's fourth fiscal quarter in the case  of
               an   annual  report)  that  has  materially  affected,  or  is
               reasonably  likely  to materially affect, the  small  business
               issuer's internal control over financial reporting; and

     5.   I  have  disclosed, based on my most recent evaluation of  internal
          control  over  financial reporting, to the small business  issuer's
          auditors  of  the  small business issuer's board of  directors  (or
          persons performing the equivalent functions):

          (a)  All  significant deficiencies and material weaknesses  in  the
               design   or  operation  of  internal  control  over  financial
               reporting which are reasonably likely to adversely affect  the
               small  business issuer's ability to record, process, summarize
               and report financial information; and

          (b)  Any  fraud,  whether or not material, that involves management
               or  other  employees who have a significant role in the  small
               business issuer's internal control over financial reporting.


Date:     August 5, 2003


/s/ Anthony N. DeMint
Anthony N. DeMint, President
Chief Accounting Officer