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

                                  FORM 10-QSB

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

                 For The Quarterly Period Ended January 31, 2001


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


For The Transition Period From _______________ To _______________


                                     0-24512
                             ----------------------
                            (Commission File Number)


                         E-NET FINANCIAL.COM CORPORATION
         ---------------------------------------------------------------
        (Exact name of small business issuer as specified in its charter)


            Nevada                                              84-1273503
 ------------------------------                            --------------------
(State or other jurisdiction of                           (IRS Employer
 incorporation or organization)                           Identification Number)


   3200 Bristol Street, Suite 700,
       Costa Mesa, California,                                   92626
 --------------------------------------                         --------
(Address of principal executive offices)                       (Zip Code)


                                 (714) 866-2100
                            -------------------------
                           (Issuer's Telephone Number)

     Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 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 [ ]

     Applicable only to issuers involved in bankruptcy proceedings during the
preceding five years:

     Check whether the registrant filed all documents and reports required to be
filed by Section 12, 13 or 15 (d) of the Exchange Act after the distribution of
securities under a plan confirmed by court. Yes [ ] No [ ]

     Applicable only to Corporate Issuers:

     State the number of shares outstanding of each of the issuer's classes of
common equity, as of the last practicable date: 22,909,939 as of March 19, 2001.

Transitional Small Business Disclosure Format (Check one): Yes [ ] No [x]

<PAGE>
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<CAPTION>


                                PART I. FINANCIAL INFORMATION

Item 1.   Financial Statements

                               E-NET FINANCIAL.COM CORPORATION
                                      AND SUBSIDIARIES

                                 CONSOLIDATED BALANCE SHEET


                                                                               January 31,
                                                                                  2001
                                                                              ------------
                                           ASSETS
Current Assets
   <S>                                                                        <C>
   Cash                                                                       $    522,405
   Accounts receivable, net of allowance for doubtful accounts of $37,436          412,139
   Note receivable                                                                  41,163
   Other current assets                                                            716,528
                                                                              ------------
       Total Current Assets                                                      1,692,235


Equipment, net                                                                     223,749
Goodwill, net of accumulated amortization of $475,775                            3,561,394
Permanent impairment of goodwill related to LoanNet                             (1,985,011)
Other Assets                                                                         7,000
                                                                              ------------
                                                                              $  3,499,367
                                                                              ============

                            LIABILITIES AND SHAREHOLDERS' DEFICIT
Current Liabilities
   Accounts payable                                                           $    269,220
   Accrued liabilities                                                             626,955
   Notes payable to related parties                                              1,401,540
   Notes payable                                                                   150,000
   Other current liabilities                                                       905,262
                                                                              ------------
       Total Current Liabilities                                                 3,352,977


Other Liabilities                                                                  289,475
                                                                              ------------
       Total Liabilities                                                         3,642,452

Shareholders' Equity
   Series C convertible preferred stock                                          1,140,697
   Common stock, 100,000,000 shares authorized, $.00l par value, 22,049,939         22,050
      shares issued and outstanding
   Additional paid-in capital                                                   11,201,221
   Accumulated deficit                                                         (10,411,520)
   Deferred compensation                                                          (104,533)
   Treasury stock, at cost                                                      (1,991,000)
       Total Shareholders' Equity                                                 (143,085)
                                                                              ------------
                                                                              $  3,499,367
                                                                              ============


                           The accompanying notes are an integral
                             part of these financial statements

                                              2
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<CAPTION>


                                        E-NET FINANCIAL.COM CORPORATION
                                               AND SUBSIDIARIES

                                     CONSOLIDATED STATEMENTS OF OPERATIONS


                                                      Three Months Ended                Nine Months Ended
                                                          January 31,                      January 31,
                                                 ----------------------------    ----------------------------
                                                     2001            2000            2001            2000
                                                 ------------    ------------    ------------    ------------

Revenues
   <S>                                              <C>          <C>             <C>             <C>
   Loan origination fees                            2,507,877    $  1,304,100    $  7,352,714    $  4,092,358
   Referral revenues                                   45,927            --           184,032            --
                                                 ------------    ------------    ------------    ------------
       Total Revenues                               2,553,804       1,304,100       7,536,746       4,092,358

Cost of Revenues                                    2,232,371         980,726       5,596,322       2,880,203
                                                 ------------    ------------    ------------    ------------
Gross Profit                                          321,433         323,374       1,940,424       1,212,155
Operating Expenses
   General and administrative                       1,212,995         429,407       3,752,773       1,438,784
   Goodwill amortization                               64,654            --           475,775            --
   Charge for permanent impairment of goodwill      1,985,011            --         1,985,011            --
   Amortization of Deferred Compensation               78,400            --           235,200            --
                                                 ------------    ------------    ------------    ------------
       Total Operating Expenses                     3,341,060         429,407       6,448,759       1,438,784

                                                 ------------    ------------    ------------    ------------
Loss from Operations                               (3,019,627)       (106,033)     (4,508,335)       (226,629)
Other Income (Expense)
   Interest expense                                   (38,073)           --          (146,821)         (4,332)
   Other income (expense)                              23,472           3,089         111,874          (5,483)
                                                 ------------    ------------    ------------    ------------
Total Other Income (Expense)                          (14,601)          3,089         (34,947)         (9,815)

Loss Before Income Taxes                           (3,034,228)       (102,944)     (4,543,282)       (236,444)
   Income Taxes                                          --           ( 2,506)           --            (2,506)
Net Loss                                         $ (3,034,228)   $   (105,450)   $ (4,543,282)   $   (238,950)
                                                 ============    ============    ============    ============


Basic and Diluted Net Loss Per Share             $      (0.14)   $      (0.01)   $      (0.22)   $      (0.03)

Basic and Diluted Weighted Average Number of
   Common Shares Outstanding                       21,502,831       7,500,000      21,089,148       7,500,000


                                    The accompanying notes are an integral
                                      part of these financial statements

                                                      3
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<CAPTION>


                                  E-NET FINANCIAL.COM CORPORATION
                                         AND SUBSIDIARIES

                               CONSOLIDATED STATEMENTS OF CASH FLOWS


                                                                          Nine Months Ended
                                                                             January 31,
                                                                      --------------------------
                                                                         2001           2000
                                                                      -----------    -----------
Cash Flows From Operating Activities
   <S>                                                               <C>            <C>
   Net loss                                                           $(4,543,282)   $  (238,950)
   Adjustments to reconcile net loss to net cash (used) provided by
      operating activities:
   Depreciation and amortization                                          382,813          2,225
   Impairment of Goodwill                                               1,985,011           --
   Amortization of deferred compensation                                  235,200           --
   Stock issued for services rendered                                   1,234,343           --
   (Increase) decrease in accounts receivable                            (151,701)        87,303
   (Increase) in other current assets                                    (630,819)       (12,633)
   Increase/(Decrease) in accounts payable                                 14,558         (2,451)
   Increase (Decrease) in accrued expenses                                626,955        (90,365)
   Increase in other current liabilities                                  447,237         21,500
   Increase (Decrease) in other liabilities                               149,826       (105,000)
                                                                      -----------    -----------
   Net cash used by operating activities                                 (249,859)      (338,371)
                                                                      -----------    -----------

Cash flows from investing activities:
   Purchases of equipment                                                 (11,991)       (61,233)
   Marketable Securities                                                   21,800           --
   Other assets                                                            13,435         79,955
   Issuance of notes receivable                                              --         (146,600)
                                                                      -----------    -----------
   Net cash provided by (used) in investing activities                     23,244       (127,878)

Cash flows from financing activities:
   Proceeds from the issuance of notes payable                            150,000           --
   Proceeds (Payments) on notes payable to related parties             (1,386,536)       418,456
   Proceeds from issuance of common stock                               1,699,973           --
                                                                      -----------    -----------
   Net cash provided by financing activities                              463,437        418,456
                                                                      -----------    -----------
Net (decrease) increase in cash                                           236,822        (47,793)

Cash, beginning of period                                                 285,583         49,984
                                                                      -----------    -----------
Cash, end of period                                                   $   522,405    $     2,191
                                                                      ===========    ===========


                              The accompanying notes are an integral
                                part of these financial statements

                                                4
</TABLE>
<PAGE>


                      NOTES TO INTERIM FINANCIAL STATEMENTS

Note 1. General

     On April 12, 2000, the Company acquired American Residential Funding, Inc.
("AMRES") from EMB Corporation ("EMB") for 7,500,000 shares of common stock,
representing approximately 40% of the outstanding voting stock of the Company
and a $4,000,000 note payable. AMRES is a Nevada corporation organized on March
13, 1998, for the purpose of originating and selling HUD-- insured mortgages and
conventional loans. The Company, prior to a series of acquisitions in February
and March 2000, was considered a blank-check company with limited operating
history, and, accordingly, AMRES is considered the acquiror for financial
reporting purposes. As such, the acquisition has been accounted for as a
recapitalization of AMRES; therefore, the accompanying consolidated financial
statements reflect the historical assets and liabilities and the related
historical operations of AMRES, in a manner similar to a pooling of interests,
for all periods presented.

Note 2. Unaudited Interim Financial Statements

     The interim financial data as of January 31, 2001, for the three and nine
months ended January 31, 2001 and 2000 is unaudited; however, in opinion of
management, the interim data includes all adjustments, consisting of normal
recurring adjustments, necessary to present fairly the company's consolidated
financial position as of January 31, 2001, and the results of their operations
and their cash flows for the three and nine months ended January 31, 2001 and
2000. The results of operations are not necessarily indicative of the operations
which may result for the year ending April 30, 2001.

Note 3. Private Placement

     On May 2, 2000, the Company sold 666,667 shares of common stock for
$1,699,973, net of fees and commissions of $300,027 in a private placement. As
additional consideration, the Company issued warrants to purchase 333,334 shares
of the Company's common stock at an exercise price of $3.00 per share. No value
was ascribed to these warrants since these were issued in connection with the
private placement of commons stock, the effects of which are included in
stockholders' equity.

Note 4. Investment in LoanNet Mortgage, Inc.

     Due to a lack of revenue and cash flow, the officers of LoanNet have
determined it necessary to cease operations at all three LoanNet offices. As
such, and based on our understanding that they have no intentions to re-open
these offices, the company has taken a charge of approximately $2,000,000 in the
third quarter to write-off all remaining goodwill related to the LoanNet
transaction. The Company is also currently reviewing its options in regard to
its original investment in LoanNet.

Note 5. Common Stock

     Common stock issued during the nine months ended January 31, 2001 is
summarized as follows:

     Shares issued as of April 30, 2000     20,053,937
     Shares issued for:
     Private placement (Note 2 above)          666,667
     Consulting Services                     1,227,646
     Employee long-term incentives              60,000
     Employee deferred salaries                 41,689
     Shares issued as of January 31, 2001   22,049,939


                                       5

<PAGE>



     Changes to capital related to the above transactions amounted to the
following:

     Private Placement              $  1,699,973
     Consulting Services               1,095,805
     Employee long-term incentives       108,000
     Employee salaries                    30,538
                                    ------------
                                    $  2,934,316
                                    ============

     Stock issued for consulting services relates primarily to legal,
accounting, and information technology services provided by outside consultants.

Note 6. Titus Real Estate, LLC

     e-Net has entered into a non-binding letter of intent to sell Titus Real
Estate LLC to Highland Investments for consideration of between $1.4 and $1.6
million. Whether this transaction will ultimately be consummated is unknown, and
pending the outcome of further discussions and initial due diligence, e-net will
re-evaluate the likelihood of this transaction occurring and will then offer the
appropriate public disclosures.

Note 7. Subsequent Events

     On February 1, 2001, the board of directors amended our stock plan to
authorize an additional one million shares (bringing the total shares authorized
to 3,000,000), which may be granted (as shares or options) to current employees,
consultants and other key independent contractors in partial or full
satisfaction of certain of our financial obligations to them. As of March 19,
2001, 860,000 shares of the total 1,000,000 additional shares registered have
been distributed. In addition, the board of directors is currently considering a
fourth amendment which would authorize additional shares under the Company's
stock plan.

     The board is currently attempting to negotiate a settlement relating to a
$300,000 note payable due to a former officer. The enclosed balance sheet as of
January 31, 2001, reflects the note as a related party note payable.

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

     Except for historical information, the materials contained in this
Management's Discussion and Analysis are forward-looking (within the meaning of
Section 27A of the Securities Act of 1933 and Section 21E of the Securities
Exchange Act of 1934) and involve a number of risks and uncertainties. These
include our historical losses, the need to manage our growth, general economic
downturns, intense competition in the financial services and mortgage banking
industries, seasonality of quarterly results, and other risks detailed from time
to time in our filings with the Securities and Exchange Commission. Although
forward-looking statements in this Quarterly Report reflect our good faith
judgment, such statements can only be based on facts and factors currently known
by us. Consequently, forward-looking statements are inherently subject to risks
and uncertainties. Actual results and outcomes may differ materially from the
results and outcomes discussed in the forward-looking statements. Readers are
urged to review carefully and consider the various disclosures made by us in
this Quarterly Report, as an attempt to advise interested parties of the risks
and factors that may affect our business, financial condition, and results of
operations and prospects.

                                       6
<PAGE>


Plan of Operations

     Our business plan provides for us to develop and deliver through the
Internet and through other means, mortgage loan brokerage services and other
financial services (primarily related to real estate). The plan calls for the
Company to be a leading source of technology driven financial service companies
and to grow rapidly through strategic acquisitions, joint venture arrangements,
and internal expansion of existing businesses.

Results of Operations

                       Three Months Ended January 31, 2001
                                 Compared to the
                       Three Months Ended January 31, 2000

Revenues

     Revenues from Titus Real Estate LLC and ExpiDoc.Com, Inc. amounted to less
than 5% of total revenues for the period ended January 31, 2001. Significant
fluctuations in revenue and cost of revenue are a direct result of the growth
and operations of American Residential Funding,Inc.("AMRES"), while fluctuations
in selling, general, and administrative expenses are primarily attributable to
the activities of AMRES and the parent company, in general.

     Revenues increased by $1.25 million or 96% to $2.55 million for the three
months ended January 31, 2001, compared to revenues of $1.30 million for the
three months ended January 31, 2000, primarily due to the development and growth
of the "net branch" program of AMRES. From its inception to January 31, 2001,
the net branch program has steadily grown to its current count approaching 100
net branches.

     AMRES' four branch offices have also continued to expand their volume of
loans closed each month. The average number of loans closed monthly has
increased from approximately 55 per month in 2000 to approximately 100 per month
for the quarter ended January 31, 2001.

     The growth in revenues can be attributed to several factors, most notably
the development of the AMRES interactive website (used primarily as a marketing
tool) and the inclusion of additional states in which AMRES is licensed to
conduct business. AMRES has steadily increased the number of states in which it
is licensed to conduct business (43 states, as of January 31, 2001).

Cost of Revenue and Gross Profit

     The cost of revenue increased by $1.25 million or 128% to $2.23 million,
for the three months ended January 31, 2001, compared to $.98 million for the
comparative period in the prior year. The dollar increase in the cost of
revenue is primarily attributable to the increase in revenues earned as
discussed above. As a percentage of revenue, the cost of revenue and related
gross profit fluctuate moderately based on the proportional breakout of loans
closed through the company-owned branches compared to the net branches. AMRES
earns an average net commission, based on loan value, of approximately 0.6% for
loans completed by its company-owned branches. Under the net branch arrangement,
AMRES earns a lower percentage commission on the loan value, typically 0.38%.
For the three months ended January 31, 2001, a greater proportion of total loans
closed were transacted through the net branches which contributed to the
decrease in gross profit percentage for that period.

Selling, General and Administrative Expenses

     Selling, general and administrative expenses totaled $3.91 million for the
three months ended January 31, 2001, compared to $.43 million for the three
months ended January 31, 2000. As a percentage of revenue, selling, general and
administrative expenses increased to 131% (compared with 33% in the prior
period), primarily as a result of the charge taken during the third quarter for
the permanent impairment of goodwill related to the LoanNet Mortgage, Inc.
transaction (see Note 4). Additionally, business growth of operating
subsidiaries has required additional headcount, office space and other
administrative costs to handle the expansion.

                                       7
<PAGE>


                       Nine Months Ended January 31, 2001
                                 Compared to the
                       Nine Months Ended January 31, 2000

Revenues

     Revenues increased by $3.44 or 84%, to $7.54 million for the nine months
ended January 31, 2001, compared to $4.09 million for the nine months ended
January 31, 2000, primarily due to the development and growth of the "net
branch" program of AMRES. The growth in revenues can be attributed to such
factors as the development of the AMRES interactive website and the inclusion of
additional states in which AMRES is licensed to conduct business.

Cost of Revenue and Gross Profit

     The cost of revenue increased by $2.72 million or 94%, for the nine-month
period ended January 31, 2001, which is in proportion to the increase in revenue
as discussed above. As a percentage of revenue, the cost of revenue remained
fairly consistent between periods, 74% compared to 70% for the nine months ended
January 31, 2001 and 2000, respectively.

Selling, General and Administrative Expenses

     Selling, general and administrative expenses totaled $6.49 million for the
nine month period ended January 31, 2001, compared to $1.44 million for the nine
months ended January 31, 2000. This increase of $5.05 million can be attributed
to several factors, most notably the charge taken during the quarter for
permanent impairment of goodwill (see Note 4), and costs at the corporate level
related to professional services for items such as the filing of our
registration statement, outside consultants, and the completion of the private
placement in May. In addition, this increase can also be attributed to the
business growth of the operating subsidiaries, as additional headcount, office
space and other administrative costs are required to handle the expansion.

Liquidity and Capital Resources

     On April 7 and May 2, 2000, we completed two private placements raising a
total of $4.0 million, less costs of $575,000. These funds were used to finance
our current operations and reduce our indebtedness to EMB Corporation ("EMB") to
approximately $1.2 million as of January 31, 2001.

     As part of the agreement for the April 7, 2000 private placement, we were
required to file and cause to be declared effective a registration statement
with the Securities and Exchange Commission by November 7, 2000. On August 4,
2000, we filed the registration statement and received an initial response from
the Commission on or about September 7, 2000. On March 15, 2001, we filed our
amended registration statement and response to the commissions' letter. As the
private placement agreement called for the registration to be declared effective
by November 7, 2000, we are incurring monthly liquidated damages of
approximately $40,000 for each full month subsequent to November 7, 2000 in
which the registration statement is not declared effective.

     On September 15, 2000, we received $125,000 (less costs and fees of
$20,000) in exchange for a short-term note payable in the amount of $150,000 due
on January 15, 2001. The proceeds were used to fund current operations. The note
was guaranteed by an unrelated third party. As of March 19, 2001, we have not
made any payments on the note. The third party guarantor has made approximately
$20,000 in payments on this obligation.

                                       8
<PAGE>


     We require financing to meet operating cash requirements, to service our
obligations and to fund future operating cash flow deficiencies. These factors
raise substantial doubt about our ability to continue as a going concern and no
adjustments have been made to these consolidated financial statements as a
result of these uncertainties.

     The accompanying consolidated financial statements have been prepared
assuming we will continue as a going concern. Our cash requirements depend on
several factors, including, but not limited to, the following:

     o    The pace at which all subsidiaries continue to grow, become self
          supporting, and begin to generate positive cash flow;

     o    The cash portion of future acquisition transactions, if any; and

     o    The ability to obtain additional market share for our services.

     If capital requirements vary materially from those currently planned, we
may require additional financing sooner than anticipated. We have no commitments
for any additional financing, and there can be no assurance that any such
commitment can be obtained on favorable terms, if at all. No adjustments have
been made to the carrying value of assets or liabilities as a result of the
uncertainty about obtaining cash required to pay obligations as they become due.

     Any additional equity financing may be dilutive to our stockholders, and
debt financing, if available, may involve restrictive covenants with respect to
dividends, raising capital and other financial and operational matters, which
could restrict our operations or finances. If we are unable to obtain additional
financing as needed, we may be required to reduce the scope of our operations or
our anticipated expansion, which could have a material adverse effect on our
financial condition, results of operations, and cash flows.


                           PART II. OTHER INFORMATION

Item 1. Legal Proceedings

     The Company is not engaged in any legal proceedings.

Item 2. Changes In Securities

     None

Item 3. Defaults Upon Senior Securities

     None

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

     None

Item 5. Other Information

     Not applicable

Item 6. Exhibits and Reports on Form 8-k

     (a) Exhibits.

          None

     (b) Reports on Form 8-K.

          None


     * Exhibits filed herewith. Other exhibits, if any, are incorporated by
reference to previous filings.

                                       9
<PAGE>


                                   SIGNATURES

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


                                            E-NET FINANCIAL.COM CORPORATION


 Dated:   March 22, 2001                    By:   /s/  Vincent Rinehart
                                               -------------------------------
                                                       Vincent Rinehart
                                                       Director, President, and
                                                       Chief Executive Officer




 Dated:   March 22, 2001                    By:  /s/  Kevin Gadawski
                                               -------------------------------
                                                      Kevin Gadawski
                                                      (Independent Consultant)
                                                      Principal Accounting and
                                                      Acting Chief Financial
                                                      Officer


                                       10