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

                                   FORM 10-QSB
(Mark One)

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

      For the Quarterly Period Ended December 31, 2004

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

      For the transition period from _____ to _____.

                         Commission File Number 0-14869

                            REWARD ENTERPRISES, INC.
             (Exact Name of Registrant as specified in its charter)

                     NEVADA                              87-0631750
          (State or other jurisdiction               (I.R.S. Employer
        of incorporation or organization)          Identification Number)

       202 N. CURRY STREET, CARSON CITY, NEVADA           89701-4124
       (Address of Principal Executive Offices)           (Zip Code)

        (713) 937-1117 Registrant's telephone number, including area code

      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 a registrant 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 the issuer's common equity:
$0.001 par value, as of December 31, 2004, was 493,166,224.

      Transitional Small Business Disclosure Format. Yes |_| No |X|
<PAGE>

                              Report on Form 10-QSB

                     For the Quarter Ended December 31, 2004

                                      INDEX

PART I - FINANCIAL INFORMATION...............................................  1
     Item 1. Management's Discussion and Analysis of Financial
                Condition or Plan of Operations..............................  6
     Item 3. Controls and Procedures.........................................  7
PART II - OTHER INFORMATION..................................................  8
     Item 1. Legal Proceedings...............................................  8
     Item 2. Changes in Securities...........................................  8
     Item 3. Defaults Upon Senior Securities.................................  8
     Item 4. Submission of Matters to a Vote of Security Holders.............  8
     Item 5. Other Information...............................................  8
     Item 6. Exhibits and Reports on Form 8-K................................  8
   SIGNATURES................................................................  9
EXHIBIT 31.2.................................................................  1
EXHIBIT 32.2.................................................................  2
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A DEVELOPMENT STAGE COMPANY)

                              FINANCIAL STATEMENTS

                       DECEMBER 31, 2004 AND JUNE 30, 2004




<PAGE>

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

<TABLE>
<CAPTION>
                                     ASSETS

                                                          December 31,      June 30,
                                                              2004           2004
                                                          -----------    -----------
                                                          (Unaudited)
<S>                                                       <C>            <C>
CURRENT ASSETS

   Cash                                                   $        --    $        --

     Total Current Assets                                          --             --

     TOTAL ASSETS                                         $        --    $        --
                                                          ===========    ===========

                 LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)

CURRENT LIABILITIES

   Accounts payable and accrued liabilities               $    59,989    $    68,057
   Accounts payable - related parties                          60,079             --
   Interest payable                                                --         21,342
   Notes payable, net of discount                                  --         81,500
                                                          -----------    -----------

     Total Current Liabilities                                120,068        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: 500,000,000 shares authorized of
    $0.001 par value, 493,166,224 and 4,412,200  shares
    issued and outstanding, respectively                      493,166          4,412
   Additional paid-in capital                               2,934,643      3,314,643
   Accumulated deficit prior to development stage          (3,434,726)    (3,434,726)
   Accumulated deficit during the development stage          (113,151)       (55,228)
                                                          -----------    -----------

     Total Stockholders' Equity (Deficit)                    (120,068)      (170,899)
                                                          -----------    -----------

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


The accompanying condensed notes are an integral part of the financial
statements.


                                        1
<PAGE>

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

<TABLE>
<CAPTION>
                                                                                                                          From
                                                                                                                       Inception
                                                                                                                       Development
                                                                                                                         Stage
                                                                                                                     On  January 1,
                                                  For the Six Months Ended           For the Three Months Ended       2004 Through
                                                        December 31,                        December 31,               December 31,
                                                   2004              2003              2004              2003              2004
                                              -------------     -------------     -------------     -------------     -------------
<S>                                           <C>               <C>               <C>               <C>               <C>
REVENUES                                      $          --     $          --     $          --     $          --     $          --
                                              -------------     -------------     -------------     -------------     -------------

EXPENSES

      General and administrative                     52,011                --            40,558                --           101,635
                                              -------------     -------------     -------------     -------------     -------------

      Total Expenses                                 52,011                --            40,558                --           101,635
                                              -------------     -------------     -------------     -------------     -------------

LOSS FROM OPERATIONS                                (52,011)               --           (40,558)               --          (101,635)
                                              -------------     -------------     -------------     -------------     -------------

OTHER (EXPENSES)

   Interest expense                                  (5,912)               --                --                --           (11,516)
                                              -------------     -------------     -------------     -------------     -------------

      Total Other (Expense)                          (5,912)               --                --                --           (11,516)
                                              -------------     -------------     -------------     -------------     -------------

LOSS BEFORE DISCONTINUED
 OPERATIONS                                         (57,923)               --           (40,558)               --          (113,151)
                                              -------------     -------------     -------------     -------------     -------------

NET LOSS FROM DISCONTINUED
  OPERATIONS                                             --          (120,641)               --           (52,944)               --
                                              -------------     -------------     -------------     -------------     -------------

NET LOSS                                      $     (57,923)    $    (120,641)    $     (40,558)    $     (52,944)    $    (113,151)
                                              =============     =============     =============     =============     =============

BASIC LOSS PER SHARE OF
 COMMON STOCK                                 $       (0.00)    $       (0.03)    $       (0.00)    $       (0.01)
                                              =============     =============     =============     =============     =============

WEIGHTED AVERAGE NUMBER OF
  SHARES OUTSTANDING                            248,789,212         4,412,000       493,166,224         4,412,200
                                              =============     =============     =============     =============     =============
</TABLE>


The accompanying condensed notes are an integral part of the financial
statements.


                                        2
<PAGE>

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

<TABLE>
<CAPTION>
                                                                                                                From
                                                                                                            Inception of
                                                                                                             Development
                                                                                                                Stage
                                                                             For the Six Months Ended        On January 1,
                                                                                    December 31,             2004 Through
                                                                           ----------------------------      December 31,
                                                                              2004               2003            2004
                                                                           ---------          ---------       ---------
<S>                                                                        <C>                <C>             <C>
CASH FLOWS FROM OPERATING ACTIVITIES

   Net loss                                                                $ (57,923)         $(120,641)      $(113,151)
   Adjustments to reconcile net loss to net cash
    provided (used) by operating activities:
     Discontinued operations                                                      --            120,641              --
   Changes in operating assets and liabilities:
     Increase in accounts payable-related parties                             60,079                 --          60,079
     Increase (decrease) in accounts payable and accrued liabilities          (2,156)                --          53,072

       Net Cash Provided (Used) by Operating Activities                           --                 --              --
                                                                           ---------          ---------       ---------

CASH FLOWS FROM INVESTING ACTIVITIES                                              --                 --              --

CASH FLOWS FROM FINANCING ACTIVITIES                                              --                 --              --

A. NET INCREASE (DECREASE) IN CASH                                                --                 --              --
                                                                           ---------          ---------       ---------

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

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

CASH PAID FOR:

   Interest                                                                $      --          $      --       $      --
   Income taxes                                                            $      --          $      --       $      --
</TABLE>

The accompanying condensed notes are an integral part of the financial
statements.


                                        3
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A DEVELOPMENT STAGE COMPANY)
                   CONDENSED NOTES TO THE FINANCIAL STATEMENTS
                       DECEMBER 31, 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 and six months
ended December 31, 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 may not 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. SHARE EXCHANGE

On  November  23,  2004,  the Company and the  shareholders  of Consumer  Choice
Financial Services, Inc., (CCF) a Nevada corporation, completed a share exchange
whereby CCF  shareholders  delivered 100% ownership  interest in CCF in exchange
for  380,000,000  restricted  shares  in the  Company.  The  acquisition  of CCF
resulted in the shareholders of CCF becoming the controlling shareholders of the
Company.  CCF is a newly  formed  corporation  with no  assets,  liabilities  or
operations,  and  accordingly  the  acquisition  of  CCF  was  recorded  at  the
predecessor  cost to its  shareholders  which  is  approximately  nothing.  This
acquisition is being  accounted for as a merger  whereby the operating  company,
Reward Enterprises,  Inc. is the continuing entity for all accounting  purposes.
This transfer resulted in a  reclassification  of $380,000 from prior additional
paid in capital to common stock for accounting purposes. (See Note 6)


                                        4
<PAGE>

                            REWARD ENTERPRISES, INC.
                          (A DEVELOPMENT STAGE COMPANY)
                        NOTES TO THE FINANCIAL STATEMENTS
                      SEPTEMBER 30, 2004 AND JUNE 30, 2004

NOTE 4. CK SPLIT

Effective  October 13, 2004 the Company enacted a 1-for-10  reverse split of its
issued and  outstanding  shares and its authorized  shares of common stock which
changed  the  issued  and  outstanding  shares  to  113,170,534  shares  and its
authorized  shares of common  stock 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.

NOTE 5. ELATED PARTY TRANSACTIONS

As of December 31, 2004,  the Company owed related  parties  $60,079 for amounts
advanced to the Company to cover operating expenses.

NOTE 6. COMMON STOCK

On  November  23,  2004 the Company  and the  shareholders  of  Consumer  Choice
Financial Services, Inc. (CCF) a Nevada corporation,  completed a share exchange
whereby CCF  shareholders  delivered 100% ownership  interest in CCF in exchange
for 380,000,000  restricted shares in the Company valued at par of $0.001.  (See
Note 3)

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 at
a par value of $0.001 per share.

NOTE 7. SUBSEQUENT EVENTS

On  February  22,  2005  the  Company  entered  into a joint  venture  to  begin
operations of a consumer debt buying operation to be named Consumers  Solutions,
Inc. The Company shall create a majority owned  subsidiary and retain 70% of the
subsidiary.  Bennet  Blow,  who will  operate the  subsidiary  will retain a 30%
ownership of the subsidiary.

Terms of the  agreement  call for Mr.  Blow to provide  offices,  personnel  and
equipment  for  operating  the business and for the Company to provide  funds to
purchase debt parcels.

                                        5
<PAGE>

                         PART I - FINANCIAL INFORMATION

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,  or
our industry'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,  our
future results, levels of activity, performance or achievements may be different
from these statements.

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 may not 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

BUSINESS OVERVIEW

      The  Company's  goal  is 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
completed a share exchange transaction with Consumers Choice Financial Services,
Inc.  of  Houston,  TX  ("CCF")  that is  expected  to 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 intends to 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 it's  application for a limited services
credit card bank to the State of South Dakota banking commission for approval at
the  commission's  May  10,  2005  regularly  scheduled  meeting.  With  charter
approval,  CCF would market a banded MasterCard/VISA credit card to its targeted
customers.

      The Company  has entered  into a joint  venture to begin  operations  of a
consumer debt  purchasing  operation.  The Company shall create a majority owned
subsidiary, and retain 70% of the subsidiary.  Bennet Blow, who will operate the
subsidiary, will retain 30% of the subsidiary.


                                        6
<PAGE>

      We  expect  that we need  approximately  $150,000  over  the next 12 month
period.  Without adequate funding the planned product will not become available.
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 may not be able to secure the funding.

RESULTS OF OPERATIONS

      Net losses for the  quarter  ended  December  31,  2004 were  $40,558,  as
compared  to  $52,944  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 $0.01 per share
for the same period in 2003.  Our expenses in 2004 were  primarily  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.

      Net losses for the six months  ended  December 31, 2004 were  $57,923,  as
compared  to  $120,641  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 $0.03 per share
for the same period in 2003.  Our expenses in 2004 were  primarily  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 six month
period.

LIQUIDITY AND CAPITAL RESOURCES

      We had no cash on hand at December  31, 2004  compared to $-0- at June 30,
2004. We used  approximately  $-0- of cash for operations  during the six months
ended September 30, 2004 compared to $-0- for the same period of 2003.

      We had no investing or financing for the six month periods ending December
31, 2004 or 2003.

      Several of our  shareholders  have advanced funds and paid expenses on our
behalf  during the six months ended  December 31, 2004 in the amount of $60,079.
We expect that the  shareholders  will continue to make such advances  until CCF
has sufficient operating capital to pay its own costs.

      We estimate that existing  sources of liquidity and the funds  provided by
anticipated  capital  activity  will not satisfy our projected  working  capital
requirements  through fiscal 2004. Our ability to maintain sufficient  liquidity
through  fiscal 2004 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  December 31, 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.


                                        7
<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

      On October 31, 2004, the Company  enacted a 1-for-10  reverse split of its
issued and outstanding,  and authorized shares of common stock. As a result, the
Company's  authorized shares were reduced from Five Billion  (5,000,000,000)  to
Five Hundred  Million  (500,000,000)  and the issued and  outstanding  shares of
common stock were reduced from 1,131,705,340 to 113,179,534.

      On November 23, 2004 the Company and the  shareholders  of Consumer Choice
Financial Services, Inc. (CCF) a Nevada corporation,  completed a share exchange
whereby CCF  shareholders  delivered 100% ownership  interest in CCF in exchange
for 380,000,000 restricted shares in the Company valued at par of $0.001.

      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 at
a par value of $0.001 per share.

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

EXHIBIT NO.         DESCRIPTION
--------------------------------------------------------------------------------
Exhibit 31.1        Certification  of  C.E.O.  Pursuant  to  Section  302 of the
                    Sarbanes-Oxley Act of 2002.

Exhibit 31.2        Certification  of Principal  Financial  Officer  Pursuant to
                    Section 302 of the Sarbanes-Oxley Act of 2002.

Exhibit 32.1        Certification  of C.E.O.  and  Principal  Financial  Officer
                    Pursuant to 18 U.S.C.  Section 1350, as Adopted  Pursuant to
                    Section 906 of the Sarbanes-Oxley Act of 2002

      (b) Report on Form 8-K

      A current report on Form 8-K was filed o February 15, 2005 relating to the
consummation of the share exchange agreement between the Company and CCF.


                                       8
<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.

Date: February 22, 2005           REWARD ENTERPRISES, INC.


                                  /s/ Jeff Fisher
                                  ---------------------------------------------
                                  President, Chief Executive Officer
                                  Principal Financial Officer and Sole Director



                                       9
<PAGE>