UNITED STATES
                       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 September 30, 2004

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

            FOR THE TRANSITION PERIOD FROM _________TO______________

                         COMMISSION FILE NUMBER 0-14869

                            REWARD ENTERPRISES, INC.
                      (EXACT NAME OF SMALL BUSINESS ISSUER)

            NEVADA                                      87-0631750
 --------------------------------         -------------------------------------
(State or Other Jurisdiction             (I.R.S. Employer Identification Number)
 of Incorporation or Organization)

 2033 MAIN STREET, SUITE 500, SARASOTA, FLORIDA                  34237
 -----------------------------------------------               --------
    (Address of Principal Executive Offices)                  (Zip Code)

     Issuer's telephone number, including area code           (941) 928-7934
                                                              --------------

      Check whether the issuer (1) filed all reports required to be filed by

      Section 13 or 15(d) of the  Exchange Act during the past 12 months (or for
such shorter period that the registrant was required to file such reports),  and
(2) has been subject to such filing requirements for the past 90 days.

                                 Yes [X]   No [_]

      Indicate the number of shares  outstanding of each of the issuer's classes
of common stock, as to the latest practicable date:

              Class                      Outstanding shares at November 15, 2004
  -------------------------------        ---------------------------------------
  COMMON EQUITY: $0.001 PAR VALUE               113,170,534 (post-reverse split)

<PAGE>

                              Report on Form 10-QSB

                    For the Quarter Ended September 30, 2004

                                      INDEX

<TABLE>
<CAPTION>

<S>                                                                                               <C>
                                                                                                Page
                                                                                                ----

PART I - FINANCIAL INFORMATION.....................................................................1
   Item 1.  Financial Statements...................................................................1
      Balance Sheet................................................................................3
      Statements of Operations.....................................................................4
      Statements of Cash Flows.....................................................................5
      Condensed Notes to the Financial Statements..................................................6
   Item 2.  Management's Discussion and Analysis of
      Financial Condition or Plan of Operation................. ...................................8
   Item 3.  Controls and Procedures................................................................9

PART II - OTHER INFORMATION.......................................................................10
   Item 1.  Legal Proceedings.....................................................................10
   Item 2.  Changes in Securities.................................................................10
   Item 3.  Defaults Upon Senior Securities.......................................................10
   Item 4.  Submission of Matters to a Vote of Security Holders...................................10
   Item 5.  Other Information.....................................................................10
   Item 6.  Exhibits and Reports on Form 8-K......................................................10
   SIGNATURES.....................................................................................12
</TABLE>

                                       i

<PAGE>

                         PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS.

           The  accompanying  balance  sheets of Reward  Enterprises,  Inc. (the
"Company")  at  September  30, 2004 and June 30,  2004,  related  statements  of
operations  and cash flows for the three  months  ended  September  30, 2004 and
2003,  have been  prepared  by our  management  in  conformity  with  accounting
principles generally accepted in the United States of America. In the opinion of
management,  all adjustments considered necessary for a fair presentation of the
results of  operations  and  financial  position have been included and all such
adjustments are of a normal recurring nature.  Operating results for the quarter
ended September 30, 2004, are not necessarily indicative of the results that can
be expected for the fiscal year ending June 30, 2005.

                                       1
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A DEVELOPMENT STAGE COMPANY)

                              FINANCIAL STATEMENTS

                      SEPTEMBER 30, 2004 AND JUNE 30, 2004


                                      2
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A Development Stage Company)
                                 Balance Sheets
                                   (unaudited)

                                     ASSETS

<TABLE>
<CAPTION>

                                                            SEPTEMBER 30,    JUNE 30,
                                                                2004          2004
                                                            -----------    -----------
<S>                                                         <C>            <C>
CURRENT ASSETS
     Cash                                                   $        --    $        --
                                                            -----------    -----------
           Total Current Assets                                      --             --
                                                            -----------    -----------
           TOTAL ASSETS                                     $        --    $        --
                                                            ===========    ===========

                 LIABILITIES AND STOCKHOLDER'S EQUITY (DEFICIT)

CURRENT LIABILITIES
     Accounts payable and accrued liabilities               $    74,742    $    68,057
     Accounts payable - related parties                           4,768             --
     Interest payable                                            27,254         21,342
     Notes payable, net of discount                              81,500         81,500
                                                            -----------    -----------
           Total Current Liabilities                            188,264        170,899
                                                            -----------    -----------

COMMITMENTS AND CONTINGENCIES

STOCKHOLDERS' EQUITY (DEFICIT)

Preferred stock: 10,000,000 shares authorized of
$0.001 par value, no shares issued and outstanding                   --             --

Common stock: 100,000,000 shares authorized of
$0.001 par value, 4,412,200 shares issued and outstanding         4,412          4,412
Additional paid-in capital                                    3,314,643      3,314,643
Accumulated deficit prior to development stage               (3,434,726)    (3,434,726)
Accumulated deficit during the development stage                (72,593)       (55,228)
                                                            -----------    -----------
           Total Stockholders' Equity (Deficit)                (188,264)      (170,899)
                                                            -----------    -----------

           TOTAL LIABILITIES AND STOCKHOLDERS'
             EQUITY (DEFICIT)                               $        --    $        --
                                                            ===========    ===========
</TABLE>

                See Condensed Notes to the Financial Statements

                                       3
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A Development Stage Company)
                            Statements of Operations
                                   (Unaudited)

<TABLE>
<CAPTION>




                                                                                  FROM INCEPTION OF
                                                  FOR THE THREE MONTHS ENDED     DEVELOPMENT STAGE ON
                                                         SEPTEMBER 30,             JANUARY 1, 2004
                                                -----------------------------    THROUGH SEPTEMBER 30,
                                                    2004            2003                 2004
                                                -----------    --------------    --------------------
<S>                                             <C>            <C>               <C>
REVENUES                                        $        --    $           --    $                 --
                                                -----------    --------------    --------------------

EXPENSES
    General and administrative                       11,453              --                    61,077
                                                -----------    --------------    --------------------
    Total Expenses                                   11,453              --                    61,077
                                                -----------    --------------    --------------------
LOSS FROM OPERATIONS                                (11,453)             --                   (61,077)
                                                -----------    --------------    --------------------
OTHER (EXPENSES)
    Interest expense                                  5,192              --                   (11,516)
    Total Other (Expense)                            (5,192)             --                   (11,516)
LOSS BEFORE DISCONTINUED OPERATIONS                 (17,365)             --                   (72,593)

NET LOSS FROM DISCONTINUED OPERATIONS                  --                --                   (67,697)
                                                ===========    ==============    ====================
NET LOSS                                            (17,365)   $      (67,697)   $            (72,593)
                                                ===========    ==============    ====================
BASIC LOSS PER SHARE OF COMMON STOCK            $     (0.00)   $        (0.02)
                                                ===========    ==============

WEIGHTED AVERAGE NUMBER OF SHARES OUTSTANDING     4,412,200         4,481,750
                                                ===========    ==============

</TABLE>

                See Condensed Notes to the Financial Statements

                                       4
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A Development Stage Company)
                            Statements of Cash Flows
                                   (Unaudited)

<TABLE>
<CAPTION>


                                                                 FOR THE THREE           FROM INCEPTION
                                                                  MONTHS ENDED       OF DEVELOPMENT STAGE
                                                                  SEPTEMBER 30,        ON JANUARY 1, 2004
                                                             --------------------    THROUGH SEPTEMBER 30,
                                                               2004        2003             2004
                                                             --------    --------    ---------------------
<S>                                                          <C>         <C>         <C>
CASH FLOWS FROM OPERATING ACTIVITIES

    Net loss                                                 $(17,365)   $(67,697)   $             (72,593)
    Adjustments to reconcile net loss to net cash provided
        (used) by operating activities:
        Discontinued operations                                    --      67,697                       --
    Changes in operating assets and liabilities:
        Increase in accounts payable-related parties            4,768          --                    4,768
        Increase (decrease) in accounts payable and
          accrued liabilities                                  12,597          --                   67,825
                                                             --------    --------    ---------------------

        Net Cash Provided (Used) by Operating Activities           --          --                       --
                                                             --------    --------    ---------------------
CASH FLOWS FROM INVESTING ACTIVITIES                               --          --                       --

CASH FLOWS FROM FINANCING ACTIVITIES                               --          --                       --

CASH AT BEGINNING OF PERIOD                                        --          --                       --
                                                             --------    --------    ---------------------

CASH AT END OF PERIOD                                        $     --    $     --    $                  --
                                                             ========    ========    =====================

CASH PAID FOR:
    Interest                                                 $     --    $     --    $                  --
    Income taxes                                             $     --    $     --    $                  --
                                                             --------    --------    ---------------------
</TABLE>

                See Condensed Notes to the Financial Statements

                                       5
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A Development Stage Company)
                   Condensed Notes to the Financial Statements
                      September 30, 2004 and June 30, 2004

NOTE 1 - BASIS OF FINANCIAL STATEMENT PRESENTATION

      The  accompanying  unaudited  condensed  financial  statements  have  been
prepared by the Company  pursuant to the rules and regulations of the Securities
and Exchange  Commission.  Certain information and footnote disclosures normally
included  in  financial   statements  prepared  in  accordance  with  accounting
principles  generally  accepted  in the  United  States  of  America  have  been
condensed  or  omitted  in  accordance  with  such  rules and  regulations.  The
information  furnished in the interim  condensed  financial  statements  include
normal recurring adjustments and reflects all adjustments, which, in the opinion
of  management,  are  necessary  for  a  fair  presentation  of  such  financial
statements.   Although  management  believes  the  disclosures  and  information
presented are adequate to make the information  not misleading,  it is suggested
that these interim  condensed  financial  statements be read in conjunction with
the  Company's  most  recent  audited  financial  statements  and notes  thereto
included in its June 30, 2004 Annual  Report on Form 10-KSB.  Operating  results
for the three months ended September 30, 2004 are not necessarily  indicative of
the results that may be expected for the year ending June 30, 2005.

NOTE 2 - GOING CONCERN

      The  Company's   financial   statements  are  prepared  using   accounting
principles  generally  accepted in the United States of America  applicable to a
going concern which  contemplates  the  realization of assets and liquidation of
liabilities  in  the  normal  course  of  business.  The  Company  has  not  yet
established  an ongoing  source of revenues  sufficient  to cover its  operating
costs and allow it to continue as a going concern. The ability of the Company to
continue  as a going  concern is  dependent  on the Company  obtaining  adequate
capital to fund operating losses until it becomes profitable.  If the Company is
unable to obtain adequate capital, it could be forced to cease operations.

      In order to  continue  as a going  concern,  develop a reliable  source of
revenues,  and achieve a profitable  level of operations  the Company will need,
among other things, additional capital resources. Management's plans to continue
as a going concern  include raising  additional  capital through sales of common
stock.  However,  management cannot provide any assurances that the Company will
be successful in accomplishing any of its plans.

      The ability of the Company to  continue  as a going  concern is  dependent
upon its ability to successfully accomplish the plans described in the preceding
paragraph and eventually secure other sources of financing and attain profitable
operations. The accompanying financial statements do not include any adjustments
that might be necessary if the Company is unable to continue as a going concern.

NOTE 3 - RELATED PARTY TRANSACTIONS

      As of September  30, 2004,  the Company  owed related  parties  $4,768 for
amounts advanced to the Company to cover operating expenses.

                                       6
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A Development Stage Company)
                        Notes to the Financial Statements
                      September 30, 2004 and June 30, 2004

NOTE 4 - COMMON STOCK

      The Company has recently  entered into a letter of intent dated October 4,
2004 with  Consumers  Choice  Financial  Services,  Inc. of Houston,  TX ("CCF")
whereby the Company would  acquire the  operations of CCF in exchange for shares
of the Company. On October 5, 2004, the Company issued 300,000,000  post-reverse
split shares of its common stock to acquire CCF,  which is currently  being held
in escrow pending closing. On November 5, 2004, the Company issued an additional
80,000,000  post-reverse  split shares of its common stock to acquire CCF, which
is also currently being held in escrow pending closing.

      On October 25, 2004,  the Note Payable of $81,500 and the related  accrued
interest were converted into 108,754,016 shares of the Company's common stock.

      Effective October 13, 2004 the Company enacted a 1-for-10 reverse split of
its issued and  outstanding  shares and its authorized  shares which changed the
issued and outstanding  shares to 113,170,534  shares and its authorized  shares
from five billion  (5,000,000,000)  to five hundred million  (500,000,000).  All
references  to shares  outstanding  and per share  amounts have been adjusted to
reflect the reverse split on a retroactive basis.

                                       7
<PAGE>

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

      The following information should be read in conjunction with the financial
statements and notes thereto appearing elsewhere in this Form 10-QSB.

FORWARD-LOOKING AND CAUTIONARY STATEMENTS

      This report contains certain forward-looking statements.  These statements
relate to future events or our future  financial  performance  and involve known
and unknown  risks and  uncertainties.  These  factors  may cause our  company's
actual results, levels of activity, performance or achievements to be materially
different from those expressed or implied by the forward-looking  statements. In
some cases, you can identify  forward-looking  statements by terminology such as
"may,"  "will"   "should,"   "expects,"   "intends,"   "plans,"   "anticipates,"
"believes," "estimates," "predicts," "potential," "continue," or the negative of
these terms or other comparable terminology.

      These  statements  are only  predictions.  Although  we  believe  that the
expectations  reflected in the  forward-looking  statements are  reasonable,  we
cannot   guarantee   future   results,   levels  of  activity,   performance  or
achievements.

BUSINESS OVERVIEW

      The Company currently has no operations.  The Company has recently entered
into a letter of intent  with  Consumers  Choice  Financial  Services,  Inc.  of
Houston, Texas ("CCF").

      Upon closing of the  transaction  with CCF the  Company's  goal will be to
become a nationwide provider of consumer financial services focused on sub-prime
lending to consumers  for auto loans,  mortgages,  insurance  products,  branded
MasterCard  and Visa credit  cards and debit cards and  various  other  consumer
financial  services.  The  Company  has  proposed  a merger  with CCF that would
provide an entry into the  consumer  financial  services  business.  Through the
acquisition  of CCF,  the  Company  could  potentially  offer a broad  range  of
integrated consumer loans to sub-prime consumers.  CCF has systems in place that
identify targeted sub-prime  consumers that maintain good earning power but have
items on their credit  reports that have caused their credit scores to drop into
the sub-prime category.  With associations  currently in place, CCF would market
consumer  loan  products to these  targeted  customers  and contract  with other
financial institutions that would service the subsequent loans that were made.

      In addition, CCF plans to submit its application for a limited services
credit card bank to the State of South Dakota banking commission for approval at
the commission's January, 2005 regularly scheduled meeting. With charter
approval, CCF would market a branded MasterCard/VISA credit card to its targeted
customers.

      CCF is  currently a start-up  operation  with no  revenues.  Therefore,  a
pro-forma financial statement  incorporating the operations of CCF with those of
the Company  assuming  that a merger was  completed  successfully  are not being
presented in this filing as the resulting  pro-forma  financial  statement would
not differ materially from the Company's audited financial  statements presented
herein.

      The goal of the  Company is to  complete  a merger  with CCF by the end of
November 2004. If the Company is  unsuccessful in this goal, it will continue to
seek out other operating companies that might provide an entry into the consumer
financial   services  industry  or  other  industries.   The  Company  signed  a
non-binding  Letter of Intent  with CCF dated  October  11,  2004 to explore the
possibility of a merger with CCF.

      We  expect  that we need  approximately  $150,000  over  the next 12 month
period.  Without  adequate  funding the  product  will not  progress.  Obtaining
financing  depends  on  current  market  conditions,   the  willingness  of  the
investment  community to make  investments  into a consumer  financial  services
business,  the  timing of key  developments  of the  banking  license  and other
similar factors. We cannot provide any assurances that we will be able to secure
the funding.

                                       8
<PAGE>

RESULTS OF OPERATIONS

      Net losses for the  quarter  ended  September  30, 2004 were  $17,365,  as
compared  to  $67,697  for the  same  period  in  2003.  The net  loss  for 2004
translates  into a loss of $0.00 per share compared to a loss of $0.02 per share
for the  same  period  in 2003.  The  increase  in the net  loss  was  primarily
attributed  to  professional  fees incurred in bringing our  securities  filings
current from the  inception  of the  development  stage,  which began in January
2004. The expenses in 2003, were related to our discontinued operations.  We had
no revenues in the quarter.

LIQUIDITY AND CAPITAL RESOURCES

      We had no cash on hand at September  30, 2004 compared to $-0- at June 30,
2004. We used  approximately $-0- of cash for operations during the three months
ended September 30, 2004 compared to $-0- for the same period of 2003.

      As of September  30, 2004,  the Company had a working  capital  deficit of
$188,264.

      Several of our  shareholders  have advanced funds and paid expenses on our
behalf during the three months ended September 30, 2004 in the amount of $4,768.
We expect that the  shareholders  will continue to make such  advances  until we
complete our acquisition of CCF.

      In October 2004, the Company issued 108,750,000 post-split adjusted shares
to the holders of Promissory Notes valued at $108,754 in return for cancellation
of all of the principal and interest due on the Promissory Notes.

      We estimate that existing  sources of liquidity and the funds  provided by
anticipated  capital  activity  will not satisfy our projected  working  capital
requirements  for the next twelve  months.  Our  ability to maintain  sufficient
liquidity  for the next twelve  months is  dependent  on our raising  additional
capital and such capital may not be available on  acceptable  terms,  if at all.
Additional  financing  may  result in  substantial  and  immediate  dilution  to
existing  stockholders.  If adequate  funds are not available to satisfy  either
short  or  long-term  capital  requirements,  we  may  be  required  to  curtail
operations  significantly or to seek funds through  arrangements  with strategic
partners, existing investors or other parties.

ITEM 3.   CONTROLS AND PROCEDURES

(A)   EVALUATION OF DISCLOSURE CONTROLS AND PROCEDURES

      As of the end of the period  covered by this report,  the Company  carried
out an  evaluation,  under the  supervision  and with the  participation  of the
Company's Principal Executive  Officer/Principal Financial Officer (one person),
of the  effectiveness  of the design and operation of the  Company's  disclosure
controls and procedures.  The Company's  disclosure  controls and procedures are
designed to provide a reasonable  level of assurance of achieving  the Company's
disclosure   control    objectives.    The   Company's    Principal    Executive
Officer/Principal Accounting Officer has concluded that the Company's disclosure
controls and procedures  are, in fact,  effective at this  reasonable  assurance
level as of the period covered.

(B)   CHANGES IN INTERNAL CONTROLS OVER FINANCIAL REPORTING

      In  connection  with the  evaluation of the  Company's  internal  controls
during the quarter ended September 30, 2004, the Company's  Principal  Executive
Officer/Principal  Financial Officer has determined that there are no changes to
the Company's  internal  controls over  financial  reporting that has materially
affected,  or is reasonably likely to materially  effect, the Company's internal
controls over financial reporting.

                                       9
<PAGE>

PART II - OTHER INFORMATION.

ITEM 1. LEGAL PROCEEDINGS.

      We are not aware of any  pending  claims or  assessments,  that may have a
material adverse impact on Reward's financial position or results of operations.

ITEM 2. CHANGES IN SECURITIES.

      In October 2004, the Company issued 108,750,000 post-split adjusted shares
to holders of Promissory  Notes valued at $108,754 in return for cancellation of
all principal and interest due on the Promissory Notes.

      Effective  October 13, 2004, the Company enacted a 1-for-10  reverse stock
split of its  issued and  outstanding  shares and its  authorized  shares  which
changed the issued and  outstanding  shares to  113,170,340  and its  authorized
shares from five billion (5,000,000,000) to five hundred million (500,000,000).

ITEM 3. DEFAULTS UPON SENIOR SECURITIES.

        None.

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

        None.

ITEM 5. OTHER INFORMATION.

        None.

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K.

        (a)   Exhibits

        (A) (2)EXHIBITS.     The following exhibits are included as part of this
                             report:

<TABLE>
<CAPTION>

EXHIBIT NUMBER       TITLE OF DOCUMENT                                                     LOCATION
--------------       ------------------------------------------------------------------    ----------------
<S>                  <C>                                                                   <C>

31.1                 Certification by Chief Executive Officer Pursuant to 15 U.S.C.
                     Section 7241, as adopted Pursuant to Section 302 of the
                     Sarbanes-Oxley Act of 2002                                            Provided herewith

31.2                 Certification by Chief Financial Officer Pursuant to 15 U.S.C.
                     Section 7241, as adopted Pursuant to Section 302 of the
                     Sarbanes-Oxley Act of 2002                                            Provided herewith

32.1                 Certification by Chief Executive Officer and Chief Financial
                     Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
                     Section 906 of the Sarbanes-Oxley Act of 2002                         Provided herewith

99.1                 Letter of Intent                                                      Filed as an Exhibit
                                                                                           to the Company's
                                                                                           Form 8-K filed on
                                                                                           October 21, 2004
</TABLE>

        (b)   Report on Form 8-K

      On October 21, 2004,  the Company filed a Form 8-K stating that on October
12, 2004,  Reward  Enterprises,  Inc.  signed a non-binding  Letter of Intent to
acquire all of the outstanding shares of common stock of Consumers

                                       10
<PAGE>

      Choice  Financial  Services,   Inc.,  in  exchange  for  the  issuance  of
300,000,000  split-adjusted  shares of Reward Enterprises,  Inc. common stock to
the current shareholders of Consumers Choice Financial Services, Inc.

                                       11
<PAGE>

                                   SIGNATURES

           In accordance with the  requirements of the Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

Dated: November 15, 2004                     REWARD ENTERPRISES, INC.

                                             /s/ Earl Ingarfield
                                             -----------------------------------
                                             Earl Ingarfield
                                             President, Chief Executive Officer,
                                             Chief Financial Officer

                                       12