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U.S. SECURITIES AND EXCHANGE COMMISSION


Washington, D.C. 20549





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FORM 10-QSB





|x |  | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES ACT OF 1934.
|- |  | -------------------------------------------------------------------------------




For the quarterly period ended September 30, 2002





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




For the Transition period from
 to
.





Commission file number: 000-49729





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UHF INCORPORATED


(Exact name of small business issuer as specified in its charter)





Michigan

38-1740889(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification Number)





24001 Greater Mack Avenue


St. Clair Shores, Michigan 48080


(Address and zipcode of principal executive offices)





(586) 778-0900


(Registrants
phone number including area code)





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Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities and Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes  x;  No  ̈





The number of shares of the
issuers common stock outstanding, as of November 11, 2002 was 9,480,754.





Transitional Small Business
Disclosure Format:  Yes  x;  No  ̈





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UHF INCORPORATED





BALANCE SHEETS





September 30, 2002


December 31, 2001(Unaudited)ASSETSCASH

$



$
ORGANIZATION COST






TOTAL ASSETS

$



$
LIABILITIES AND STOCKHOLDERS DEFICITACCRUED EXPENSES

$
4,000


$
4,000Total liabilities


4,000



4,000COMMITMENTS AND CONTINGENCIES






STOCKHOLDERS DEFICITCommon stock, $.001 par value; 50,000,000 authorized shares, 9,480,754 issued and outstanding


9,481



9,481PAID IN CAPITAL


(9,481
)


(9,481
)RETAINED DEFICIT


(4,000
)


(4,000
)Total stockholders deficit


(4,000
)


(4,000
)TOTAL LIABILITIES AND STOCKHOLDERS DEFICIT

$



$






The accompanying notes are an integral part of these financial statements.






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UHF INCORPORATED





STATEMENTS OF OPERATIONS AND RETAINED DEFICIT





Three Months Ended September 30,


Nine Months Ended September 30,2002


2001


2002


2001REVENUE

$



$



$



$
OPERATING EXPENSES














NET INCOME














Retained DeficitBeginning of Year


(4,000
)


(4,000
)


(4,000
)


(4,000
)RETAINED DEFICITEND OF PERIOD

$
(4,000
)

$
(4,000
)

$
(4,000
)

$
(4,000
)





The accompanying notes are an integral part of these financial statements.




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UHF INCORPORATED





STATEMENTS OF CASH FLOWS





Nine Months Ended September 30,2002

2001CASH FLOWS FROM OPERATING ACTIVITYNONE

$


$
CASH FLOW FROM INVESTING ACTIVITIESNONE





CASH FLOWS FROM FINANCING ACTIVITIESNONE





Net change in cash





CashBeginning of Year





CASHEND OF PERIOD

$


$






The accompanying notes are an integral part of these financial statements.




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UHF INCORPORATED





NOTES TO FINANCIAL STATEMENTS





|1. |  | UNAUDITED INTERIM FINANCIAL STATEMENTS
|-- |  | --------------------------------------




In the opinion of management, the accompanying unaudited financial statements contain all adjustments necessary to present fairly the Companys financial position as of September 30, 2002 and the
results of its operations and its cash flows for the three and nine month periods ended September 30, 2002 and September 30, 2001.





The quarterly financial statements are presented in accordance with the requirements of the Form 10-SB and do not include all of the disclosures required by accounting principles generally accepted in the United States of
America. For additional information, reference is made to the Companys audited financial statements for the years ended December 31, 2001 and 2000 filed with Form 10-SB. The results of operations for the nine month periods ended September 30,
2002 and September 30, 2001 are not necessarily indicative of operating results for the full year.









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UHF INCORPORATED





ITEM 3





CONTROLS AND PROCEDURES





|a) |  | The Companys President has reviewed the effectiveness of the Companys disclosure controls and procedures as defined in Exchange Act Rules 13a-14(c)
and 15d-14(c) within 90 days of the date of this report. This officer has concluded that the Companys disclosure controls and procedures were adequate and effective to ensure that material information relating to the financial statements has
been disclosed.
|-- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




|b) |  | There were no significant changes in the Companys internal controls or in other factors that could significantly affect the Companys internal
controls and procedures subsequent to the review date, nor any significant deficiencies or material weaknesses in such internal controls and procedures requiring corrective actions.
|-- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------








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PART II:    OTHER INFORMATION





Item 1.    Legal Proceedings - N/A





Item 2.    Changes in Securities - N/A





Item 3.    Defaults Upon Senior
Securities - N/A





Item 4.    Submission of Matters to a Vote of Security Holders - N/A





Item 5.    Other Information - N/A





Item 6.    Exhibits and Reports on Form 8-K





| | (a) |  | Exhibits.
| | --- |  | ---------




None.





| | (b) |  | Reports on Form 8-K.
| | --- |  | --------------------




None.





SIGNATURE





Pursuant to the requirements of the Securities and Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.





UHF INCORPORATED (Registrant)Date: November 11, 2002



By:

/s/    Ronald C. SchmeiserRonald C. Schmeiser President
















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CERTIFICATIONS*





I, Ronald C. Schmeiser, certify that:





|1. |  | I have reviewed this quarterly report on Form 10-QSB of UHF Incorporated;
|-- |  | -------------------------------------------------------------------------

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

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

|4. |  | The registrants other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:
|-- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) |  | designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is
made known to us by others within those entities, particularly during the period in which this quarterly report is being prepared;
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | b) |  | evaluated the effectiveness of the registrants disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly
report (the Evaluation Date); and
| | -- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | c) |  | presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the
Evaluation Date;
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------

|5. |  | The registrants other certifying officers and I have disclosed, based on our most recent evaluation, to the registrants auditors and the audit
committee of registrants board of directors (or persons performing the equivalent functions):
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) |  | all significant deficiencies in the design or operation of internal controls which could adversely affect the registrants ability to record, process,
summarize and report financial data and have identified for the registrants auditors any material weaknesses in internal controls; and
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | b) |  | any fraud, whether or not material, that involves management or other employees who have a significant role in the registrants internal controls; and
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------

|6. |  | The registrants other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls
or in other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
|-- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------




Date: November 11, 2002





By:

/s/    Ronald C. SchmeiserRonald C. Schmeiser President and Chief Executive Officer




8