SECURITIES AND EXCHANGE COMMISSION

                                WASHINGTON D.C.  20549

                                     FORM 10-QSB

                   ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF
                         THE SECURITIES EXCHANGE ACT OF 1934

                         For the Quarter Ended June 30, 1998

                           Commission File Number 2-93426D

                                    CALDERA, INC.
                (Exact name of registrant as specified in its charter)


                        Delaware                            87-0419568
             (State or other jurisdiction of            (I.R.S. employer
             incorporation or organization)            identification no.)


                  9 1/2 Casimir St. Toronto, Ontario Canada, M5T 2P6
                       (Address of principal executive office)


            Registrant's telephone number including area code 416 603-9184
                 (Former name, former address and former fiscal year,
                            if changed since last report)


            Indicate number of shares outstanding of each class of common
                            as of the end of the quarter:


                      $0.01 par value common stock outstanding,
                      at March 31, 1998:       3,345,000 shares


          Indicate by checkmark whether the registrant has filed all
          reports to be filed by Section 13 or 15(d) of the Securities
          Exchange Act of 1934 during the preceding 12 months and (2) has
          been subject to such filing requirements for at least the past 90
          days


                                   X   Yes    No   
                                  ----           ---


     <PAGE>

                                  TABLE OF CONTENTS


                                                                       Page

          Part I  FINANCIAL INFORMATION

          Item 1  Financial Statements                                    3

                  Balance Sheets                                          3

                  Statement of Operations                                 4

                  Statements of Stockholders Equity                       5

                  Statements of Cash Flows                                6

                  Notes to Financial Statements                           7


          Item 2  MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS           7



          Part II OTHER INFORMATION                                       7


          Item 6  Exhibits, Reports of Form 8-K                           7

                  SIGNATURES                                              8


                                      -2-
     <PAGE>

                                    CALDERA, INC.


                                    Balance Sheets
                         June 30, 1998 and December 31, 1997
                                     (Unaudited)


                                                June 30, '98   Dec. 31, '97
           ASSETS

           Current Assets:
           Cash                             $          0        $        0
                                            ------------        ----------
           Total Assets                                0                 0



           LIABILITIES AND
           STOCKHOLDERS EQUITY

           Accounts payable                 $          0        $        0
                                            ------------        ----------

           Total Liabilities                           0                 0


           Stockholders' equity
           Common stock, $.10 par
           value, Authorized
           50,000,000 shares; issued 
           and outstanding            
           3,345,000 at June 30, 1998
           & Dec. 31, 1997                  $    608,152        $  608,152
           Additional Paid in capital                  0                 0
           Accumulated Deficit                 (608,152)         (608,152)
                                            ------------        ----------

           Total Stockholders Equity        $          0        $        0


                                      -3-
     <PAGE>

                                    CALDERA, INC.


             Statement of Operations for the three months and six months 
                             ended June 30, 1998 and for 
                 the three months and six months ended June 30, 1997
                                     (Unaudited)

                                    Three Months Ended  Six Months Ended
                                         June 30,           June 30,
                                    ------------------  ----------------

                                        1998    1997    1998     1997
                                        ----    ----    ----     ----


          Revenue                      $    0  $    0  $    0   $    0

          Selling, general & 
            administrative expenses         0       0       0      500

          Operating loss                    0       0       0        0

          Other income                      0       0       0        0
                                        -----   -----   -----    -----

          Net income (loss) 
            before income taxes             0       0       0     (500)

          Income tax expense (benefit)      0       0       0        0
                                        -----   -----   -----    -----

          Net income (loss)                 0       0       0     (500)

          Net income (loss) 
            per common share           $    0  $    0  $    0   $    0
                                        -----   -----   -----    -----


                                      -4-
     <PAGE>

                                    CALDERA, INC,

                        Statement of Stockholders Equity Year 
                               ended December 31, 1997 
                        and the six months ended June 30, 1998


                                     (Unaudited)

              Number of Shares/Common/Capital Stock/ Retained/Net Equity
                                  Earnings(Deficit)


      Balance
      Dec 31, '96    3,345,000   $ 33,444   $ 589,152   $(606,152)   $(17,000)

      Issue 
      Common
      Stock                  0          0           0            0           0

      Issue
      common
      for
      services               0          0           0            0           0
      
      Stock
      Redemptions            0          0           0            0           0
      
      Net loss
      1997                   0          0           0      (2,000)     (2,000)
      
      Balance
      Dec. 31,       ---------   --------   ---------   ----------    --------
      1997           3,345,000   $ 33,444   $ 608,152   $(608,152)     (0,000)
      
      Net loss
      six months 
      ended
      June 30,
      '98                    0          0           0        (000)       (000)

      Balance
      June 30,
      1998           3,345,000   $ 33,444   $ 608,152   $(608,152)       (000)



                                      -5-
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                                    CALDERA, INC.


          Statement of Cash Flows for the six months ended June 30, 1998
          and June 30, 1997

 
                                          Six Months Ended June 30,
                                          -------------------------
          (Unaudited)                         1998             1997
                                          --------         --------


           Cash Flows from
           operating activities
           Net income (loss)              $    (0)         $  (500)

           Adjustments to
           reconcile net income
           to net cash provided
           by operations
           Decrease in Accounts
           payable                             (0)            (500)

           Total adjustments                   (0)            (500)

           Net cash used on          
           operating activities                 0                0

           Cash flows from                        
           investing activities                 0                0

           Net cash (used) by                  
           investing activities                 0                0

           Cash flows from                       
           financing activities                 0                0

           Net cash used in                      
           financing activities                 0                0

           Net decrease in cash                   
           and cash equivalents                 0                0

           Cash and cash                         
           equivalents at
           beginning of year                    0                0

           Cash and cash                          
           equivalents at end
           of period                            0                0


                                      -6-
     <PAGE>

                                    CALDERA, INC.



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

          During the relevant fiscal quarters the Registrant had no
          activities.  As of July 7, 1998, the Registrant entered into a
          Stock Purchase Agreement with the shareholders of International
          Fidelity Holding Corp. ("IFHC") for the Registrant to acquire all
          of the outstanding capital stock of IFHC in exchange for
          19,777,000 shares of Registrant's Common Stock, after a 1-for-15
          reverse split of the Common Stock.  IFHC and its wholly-owned
          subsidiary International Surety & Casualty Corp. are engaged in
          the property and casualty insurance business, primarily
          reinsurance of automobile insurance products in the State of
          Texas.  The approval of the Stock Purchase Agreement as well as
          amendments to the Registrant's Certificate of Incorporation for
          the reverse stock split and the change of corporate name to
          Unistar Financial Service Corp., for election of directors
          approval of a stock option plan are subject to approval of
          Registrant's stockholders at a meeting scheduled for August 17,
          1998.  Assuming stockholder approval and the closing of the Stock
          Purchase Agreement, the Registrant will be engaged in the
          insurance business and its liquidity and capital resources would
          be dependent upon the financial ability of IFHC and of new
          management to raise any required additional equity or debt
          capital.  


          PART II      OTHER INFORMATION


          Item 6.      EXHIBITS AND REPORTS FILED ON FORM 8-K


          Exhibits
          --------

          No exhibits are required to be filed

          Reports on Form 8-K
          -------------------

          The Registrant filed no reports on Form 8-K during the quarter
          ended June 30, 1998


                                      -7-
     <PAGE>


                                      SIGNATURES

          Pursuant to the requirement of the Securities Exchange Act of
          1934, as amended, the Registrant has duly caused this report to
          be signed on its behalf by the undersigned thereunto duly
          authorized.

          Dated:   August 17, 1998

                                       CALDERA, INC.


                                       By  /s/ Ronald K. Mann      
                                          ------------------------------   
                                          Ronald K. Mann
                                          Vice President and Treasurer


                                      -8-
     <PAGE>

                                EXHIBIT INDEX


          Exhibit         Description
          -------         -----------

            27            Financial Data Schedule