SECURITIES EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-KSB
                            Annual Report Pursuant to
                       the Securities Exchange Act of 1934

                       Fiscal Year Ended December 31, 2000

                         Commission file number 0-26317

                            GARNER INVESTMENTS, INC.
                         ------------------------------
             (Exact name of registrant as specified in its charter)

          Wyoming                             84-1384961
        -----------                         --------------
  (State of incorporation)        (I.R.S. Employer Identification No.)

                 214 South Center Street, Casper, Wyoming, 82601
                 -----------------------------------------------
               (Address of principal executive offices) (Zip Code)

                    Registrant's telephone number, including
                      area code: None Securities registered
                      pursuant to Section 12(g) of the Act:

                                  Common Stock
                                  ------------
                               Title of each class

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 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 the  filing
requirements for at least the past 90 days. Yes X No

Check if disclosure of delinquent  filers pursuant to Item 405 of Regulation S-B
is not contained in this form, and no disclosure will be contained,  to the best
of  Registrant's  knowledge,  in  definitive  proxy  or  information  statements
incorporated  by reference  in Part III of this Form 10-KSB or any  amendment to
this Form 10-KSB. X

State issuer's revenues for its most recent fiscal year.  $0

There were 780,000  shares of the  Registrant's  common stock  outstanding as of
December 31, 2000.

The aggregate  market value of the 360,000 shares of voting common stock held by
nonaffiliates of the Registrant is approximately $0 on December 31, 2000.


<PAGE>



                                TABLE OF CONTENTS

PART I

         Item 1.   Description of Business
         Item 2.   Description of Property
         Item 3.   Legal Proceedings
         Item 4.   Submission of Matters to a Vote of Security Holders

PART II

         Item 5.   Market for Common Equity and Related Stockholder Matters
         Item 6.   Management's Discussion and Analysis or Plan of Operation
         Item 7.   Financial Statements
         Item 8.   Changes in and Disagreements With Accountants on Accounting
                          and Financial Disclosure

PART III

         Item 9.   Directors, Executive Officers, Promoters and Control Persons;
                          Compliance with Section 16(a) of the Exchange Act
         Item 10. Executive Compensation
         Item 11. Security Ownership of Certain Beneficial Owners and Management
         Item 12. Certain Relationships and Related Transactions
         Item 13. Exhibits and Reports on Form 8-K

SIGNATURES




<PAGE>



                                     PART I

Item 1.  BUSINESS
         --------

         History
         -------

            The Company was formed in February  1997 for the purpose of engaging
in any lawful business. No revenues have ever been achieved.  The Company is not
profitable.  The Company has no  successful  operating  history,  revenues  from
operations,  or assets. The Company faces all of the risks of a new business and
the special risks inherent in the investigation,  acquisition, or involvement in
a new business opportunity.  The Company must be regarded as a new or "start-up"
venture with all of the unforeseen costs,  expenses,  problems, and difficulties
to which such ventures are subject.

         Financial Information About Industry Segments
         ---------------------------------------------

         See "Financial Statements and supplementary Data," Item 7 below.

         Narrative Description of Business
         ---------------------------------

         The Company was incorporated  under the laws of the State of Wyoming on
February 14,  1997,  and is in the  developmental  stage.  In 1997,  the Company
raised  $1,500 in a private  placement.  For the  period  of 1997  through  date
hereof,  the Company had no revenues or business.  The Company has no commercial
operations as of date hereof. The Company has no full-time employees and owns no
real estate.

         The Company's  current business plan is to seek,  investigate,  and, if
warranted,  acquire one or more  properties or  businesses,  and to pursue other
related activities  intended to enhance  shareholder value. The acquisition of a
business  opportunity  may be made by purchase,  merger,  exchange of stock,  or
otherwise, and may encompass assets or a business entity, such as a corporation,
joint venture,  or partnership.  The Company has no capital,  and it is unlikely
that the Company will be able to take  advantage of more than one such  business
opportunity.  The  Company  intends  to  seek  opportunities  demonstrating  the
potential of long-term growth as opposed to short-term earnings.

         At the  present  time  the  Company  has not  identified  any  business
opportunity  that it plans to pursue,  nor has the Company reached any agreement
or  definitive  understanding  with any person  concerning an  acquisition.  The
Company  is filing  Form 10-SB on a  voluntary  basis in order to become a 12(g)
registered  company under the  Securities  Exchange Act of 1934. As a "reporting
company,"  the Company may be more  attractive to a private  acquisition  target
because it may be listed to trade its shares on the OTCBB.

         It is  anticipated  that the  Company's  officers  and  directors  will
contact  broker-dealers  and other persons with whom they are acquainted who are
involved in corporate finance matters to advise them of the Company's  existence
and to determine if any companies or businesses  they represent have an interest

<PAGE>

in  considering a merger or  acquisition  with the Company.  No assurance can be
given that the Company  will be  successful  in finding or acquiring a desirable
business  opportunity,  given that no funds that are available for acquisitions,
or that any  acquisition  that occurs will be on terms that are favorable to the
Company or its stockholders.

         The  Company's  search will be directed  toward small and  medium-sized
enterprises which have a desire to become public corporations and which are able
to satisfy,  or anticipate in the reasonably  near future being able to satisfy,
the minimum asset  requirements in order to qualify shares for trading on NASDAQ
or  a  stock   exchange   (See   "Investigation   and   Selection   of  Business
Opportunities").   The  Company  anticipates  that  the  business  opportunities
presented to it will (i) be recently organized with no operating  history,  or a
history of losses attributable to under-capitalization or other factors; (ii) be
experiencing financial or operating  difficulties;  (iii) be in need of funds to
develop a new product or service or to expand into a new market; (iv) be relying
upon an untested product or marketing concept;  or (v) have a combination of the
characteristics   mentioned  in  (i)  through  (iv).  The  Company   intends  to
concentrate its acquisition efforts on properties or businesses that it believes
to be  undervalued.  Given the above factors,  investors  should expect that any
acquisition candidate may have a history of losses or low profitability.

         The  Company  does not propose to  restrict  its search for  investment
opportunities  to  any  particular  geographical  area  or  industry,  and  may,
therefore,  engage in  essentially  any  business,  to the extent of its limited
resources. This includes industries such as service, finance, natural resources,
manufacturing, high technology, product development, medical, communications and
others. The Company's  discretion in the selection of business  opportunities is
unrestricted,  subject  to the  availability  of  such  opportunities,  economic
conditions, and other factors.

         As a consequence of this  registration  of its  securities,  any entity
which has an interest in being  acquired  by, or merging  into the  Company,  is
expected to be an entity that desires to become a public company and establish a
public trading market for its  securities.  In connection  with such a merger or
acquisition, it is highly likely that an amount of stock constituting control of
the  Company  would be issued  by the  Company  or  purchased  from the  current
principal shareholders of the Company by the acquiring entity or its affiliates.
If stock is purchased  from the current  shareholders,  the  transaction is very
likely to result in  substantial  gains to them relative to their purchase price
for such stock.  In the Company's  judgment,  none of its officers and directors
would thereby become an "underwriter" within the meaning of the Section 2(11) of
the  Securities Act of 1933, as amended.  The sale of a controlling  interest by
certain  principal  shareholders  of the Company  could occur at a time when the
other shareholders of the Company remain subject to restrictions on the transfer
of their shares.

         Depending upon the nature of the transaction,  the current officers and
directors  of the Company may resign  management  positions  with the Company in
connection with the Company's acquisition of a business  opportunity.  See "Form
of Acquisition,"  below, and "Risk Factors - The Company - Lack of Continuity in
Management."  In  the  event  of  such  a  resignation,  the  Company's  current
management would not have any control over the conduct of the Company's business
following the Company's combination with a business opportunity.

<PAGE>

         It  is  anticipated  that  business  opportunities  will  come  to  the
Company's  attention from various  sources,  including its officer and director,
its other stockholders, professional advisors such as attorneys and accountants,
securities  broker-dealers,   venture  capitalists,  members  of  the  financial
community,  and others who may present unsolicited proposals. The Company has no
plans,  understandings,  agreements, or commitments with any individual for such
person to act as a finder of opportunities for the Company.

         The  Company  does not  foresee  that it would  enter  into a merger or
acquisition  transaction  with any business with which its officers or directors
are currently affiliated.  Should the Company determine in the future,  contrary
to foregoing expectations,  that a transaction with an affiliate would be in the
best  interests of the Company and its  stockholders,  the Company is in general
permitted by Wyoming law to enter into such a transaction if:

         1.  The  material  facts  as to the  relationship  or  interest  of the
affiliate  and as to the contract or  transaction  are disclosed or are known to
the Board of Directors,  and the Board in good faith  authorizes the contract or
transaction  by  the  affirmative  vote  of  a  majority  of  the  disinterested
directors,  even  though  the  disinterested  directors  constitute  less than a
quorum; or

         2.  The  material  facts  as to the  relationship  or  interest  of the
affiliate  and as to the contract or  transaction  are disclosed or are known to
the  stockholders  entitled to vote thereon,  and the contract or transaction is
specifically approved in good faith by vote of the stockholders; or

         3. The contract or transaction is fair as to the Company as of the time
it is  authorized,  approved  or  ratified,  by the  Board of  Directors  or the
stockholders.


Item 2.  PROPERTIES
         ----------

         Facilities
         ----------

            The Company has no property. The Company does not currently maintain
an office or any other facilities.  It does currently maintain a mailing address
at 214 South Center Street, Casper, Wyoming, 82601. The Company pays no rent for
the use of this mailing address.  The Company does not believe that it will need
to  maintain an office at any time in the  foreseeable  future in order to carry
out its plan of operations described herein.

         Real Property
         -------------

         None

         Mineral Properties
         ------------------

         None


<PAGE>



Item 3.  LEGAL PROCEEDINGS
         -----------------

         As of December 31,  2000,  the Company was neither a party nor were any
of its properties subject to any legal proceedings.

Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
         ---------------------------------------------------

     No matters  were  submitted  during the period  covered by this report to a
vote of security holders of the Company,  through the solicitation of proxies or
otherwise.


<PAGE>



                                     PART II

Item 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS
         ---------------------------------------------------------------------

     As of the date of this  report,  there has been no trading or  quotation of
the Company's  common stock. The range of high and low trade quotations for each
fiscal  quarter  since the last report,  as reported by the  National  Quotation
Bureau Incorporated, was as follows:

                                 2000               High          Low
                           First quarter             *             *
                           Second quarter            *             *
                           Third quarter             *             *
                           Fourth quarter            *             *


                                 1999               High          Low
                           First quarter             *             *
                           Second quarter            *             *
                           Third quarter             *             *
                           Fourth quarter            *             *

                                 1998               High          Low
                           First quarter             *             *
                           Second quarter            *             *
                           Third quarter             *             *
                           Fourth quarter            *             *

* No quotations

         The  above  quotations  reflect  inter-dealer  prices,  without  retail
mark-up,  mark-down,  or commission  and may not  necessarily  represent  actual
transactions.

         As of December 31, 2000,  there were 42 record holders of the Company's
common Stock.

         The Company has not  declared or paid any cash  dividends on its common
stock and does not anticipate paying dividends for the foreseeable future.


<PAGE>


Item 6. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
        ------------------------------------------------------------------------
OF OPERATIONS
-------------

Results of Operations For year Ended December 31, 2000 as Compared to Year Ended
--------------------------------------------------------------------------------
December 31, 1999
-----------------

The  Company has  experienced  $50 in  expenses,  including  interest,  for 2000
compared to $240 in 1999.  The Company had revenues of $0 in 2000 compared to $0
in 1999. The Company had a loss of ($50) in 2000 compared to a loss of ($240) in
1999.  The loss per share was  nominal in the period in both 2000 and 1999.  The
Company will  continue to have losses until  adequate  income can be achieved to
meet  expenses.  While the Company is seeking  capital  sources for  investment,
there is no assurance that sources can be found.


Liquidity and Capital Resources
-------------------------------

The  Company  had a cash  balance  at the end of the year of $259.  The  current
assets exceed current  liabilities by $259. The Company will be forced to either
borrow  or make  private  placements  of stock in order to fund  operations.  No
assurance  exists as to the ability to achieve loans or make private  placements
of stock.


Item 7.  Financial Statements and Supplementary Data
         -------------------------------------------

                  Please refer to pages F-1 through F-9.

Item 8.  Changes in and Disagreements on Accounting and Financial Disclosure
         -------------------------------------------------------------------

         In  connection  with  audits of two most  recent  fiscal  years and any
interim period preceding  resignation,  no  disagreements  exist with any former
accountant  on any  matter of  accounting  principles  or  practices,  financial
statement disclosure, or auditing scope of procedure, which disagreements if not
resolved to the  satisfaction of the former  accountant would have caused him to
make  reference  in  connection  with his  report to the  subject  matter of the
disagreement(s).

         The principal  accountants' reports on the financial statements for any
of the past two years  contained no adverse  opinion or a disclaimer  of opinion
nor was  qualified as to  uncertainty,  audit scope,  or  accounting  principles
except for the "going concern" qualification.


                                    PART III

Item 9.  Directors and Executive Officers of the Registrant and Compliance with
         ----------------------------------------------------------------------
Section 16(a)
-------------

The directors and executive officers of the Company as of December 31, 2000, are
as follows:

<PAGE>

          Name           Age        Position                           Term
          ----          -----       --------                           ----

William A. Erickson      68         President and Director             Annual
Michael R. Butler        47         Secretary/Treasurer and Director   Annual
Ronald A. Shogren        57         Director                           Annual

     WILLIAM A.  ERICKSON,  age 68, is President  and a Director of the Company.
Mr. Erickson graduated from the University of Wyoming in 1959 with a Bachelor of
Science degree in Education. He served in the Armed Forces from 1950 to 1955. He
has been associated  with the real estate business for forty years,  starting in
1960 when he received  his real estate  license.  He  qualified as a real estate
broker in 1986. Mr. Erickson is currently working toward an Associate of Applied
Science  Degree/Computer  Science  with  Business  option.  Mr.  Erickson  was a
Director  and  officer of  Bird-Honomichl,  Inc.  (1994-1998).  Mr.  Erickson is
currently  an Officer and Director of Garner  Investments,  Inc.,  Fuels,  Inc.,
Prairie,  Inc., and was an officer and Director of Kearney,  Inc. (1999 - 2000),
and is a President of The Art Boutique, Inc. He has been an Officer and Director
of  Tempus,  Inc.  (1997 - May 2000) and is  President  and  Director  of Garner
Investments, Inc.

     Michael R.  Butler,  age 47, is  Secretary/Treasurer  and a Director of the
Company.  Mr. Butler was employed for 19 years by Amoco Production  Company,  an
oil and gas  producing  company  operating in the state of Wyoming.  In 1997 and
1998,  Mr. Butler has owned and operated a farm/ranch  west of Casper,  Wyoming.
Mr. Butler has been trained in and has experience in waterflood  injection,  oil
and gas producing operations,  maintenance,  and wetland development. Mr. Butler
is a Director of Hindsight,  Inc. dba Oil City Printers,  a commercial  printing
business (since 1988). Mr. Butler is a Director and  Secretary/Treasurer  of The
Art Boutique,  Inc.  (since 1996),  Phillips 44, Inc.,  (since 1998) and Tempus,
Inc. (since 1997).

     Ronald A. Shogren,  age 57. Mr. Shogren  attended  Eastern Montana College.
Mr. Shogren is the past Exalted Rule of the Casper's Elk Lodge 1353. Mr. Shogren
has been a licensed  general  contractor  from 1976 to present.  Mr. Shogren has
seventeen  years  experience as an insurance  claims adjuster and presently owns
and  operates  Cowboy  State  Claims  Services.  Mr.  Shogren is an officer  and
director of Shogi, Inc. and Kearney, Inc. since 1999.

         No  appointee  for a director  position  has been  subject of any civil
regulatory proceeding or any criminal proceeding in the past five years.

         The term of office of each director and  executive  officer ends at, or
immediately  after,  the next annual  meeting of  shareholders  of the  Company.
Except as otherwise indicated,  no organization by which any director or officer
has been  previously  employed  is an  affiliate,  parent or  subsidiary  of the
Company.

         Section 16(a) of the  Securities  Exchange Act of 1934, as amended (the
"Exchange Act"), requires the Company's officers and directors,  and persons who
own more than 10% of a registered class of the Company's equity  securities,  to
file reports of ownership  and changes in ownership of equity  securities of the
Company  with the  Securities  and  Exchange  Commission  and NASDAQ.  Officers,

<PAGE>

directors and  greater-than  10% shareholders are required by the Securities and
Exchange Commission regulation to furnish the Company with copies of all Section
16(a) filings.

        1.  The following people did not file reports under Section 16(a) during
the most recent fiscal year:

         a.       William A. Erickson       President and Director
         b.       Michael R. Butler         Secretary and Director

        2.       For each person, listed by subparagraph letter above:

Number of late              Number of                 Known failures
reports                     transactions not          to file forms required
                            reported on a
                            timely basis
--------------              ----------------          ----------------------

a.       1                      none                            1

b.       1                      none                            1

Item 10. Executive Compensation
         ----------------------

         The  Company  accrued a total of $0 in  compensation  to the  executive
officers  as a group for  services  rendered  to the  Company in all  capacities
during the  fiscal  year ended  December  31,  2000.  No one  executive  officer
received,  or has accrued for his benefit, in excess of $60,000 for the year. No
cash bonuses were or are to be paid to such persons.


<PAGE>

<TABLE>
<CAPTION>


                    SUMMARY COMPENSATION TABLE OF EXECUTIVES
                    ----------------------------------------
                          Year Ended December 31, 2000

                                    Annual Compensation                         Awards

Name and Principal                                                                                         Securities
Position                           Salary     Bonus ($)     Other Annual            Restricted Stock       Underlying
                         Year      ($)                      Compensation ($)        Award(s)($)            Options/SARs(#)
------------------------ --------- ---------- ------------- ----------------------- ---------------------- ----------------------
<S>                      <C>       <C>        <C>           <C>                     <C>                    <C>

William  A. Erickson,    2000      0          0             0                       0                      0
President                --------- ---------- ------------- ----------------------- ---------------------- ----------------------

                         1999      0          0             0                       0                      0
                         --------- ---------- ------------- ----------------------- ---------------------- ----------------------

                         1998      0          0             0                       0                      0
                         --------- ---------- ------------- ----------------------- ---------------------- ----------------------


------------------------ --------- ---------- ------------- ----------------------- ---------------------- ----------------------

Michael R. Butler,       2000      0          0             0                       0                      0
Secretary                --------- ---------- ------------- ----------------------- ---------------------- ----------------------

                         1999      0          0             0                       0                      0
                         --------- ---------- ------------- ----------------------- ---------------------- ----------------------

                         1998      0          0             0                       0                      0
------------------------ --------- ---------- ------------- ----------------------- ---------------------- ----------------------

Ronald A. Shogren,       2000      0          0             0                       0                      0
Secretary
                         --------- ---------- ------------- ----------------------- ---------------------- ----------------------
                         1999      0          0             0                       0                      0

                         --------- ---------- ------------- ----------------------- ---------------------- ----------------------

                         1998      0          0             0                       0                      0

</TABLE>


         The Company has no employee incentive stock option plan.

         There are no plans pursuant to which cash or non-cash  compensation was
paid or  distributed  during the last fiscal year,  or is proposed to be paid or
distributed in the future,  to the executive  officers of the Company.  No other
compensation not described above was paid or distributed  during the last fiscal
year to the executive  officers of the Company.  There are no compensatory plans
or  arrangements,  with respect to any  executive  office of the Company,  which
result or will result from the resignation,  retirement or any other termination
of such individual's  employment with the Company or from a change in control of
the Company or a change in the individual's  responsibilities following a change
in control.

         Option/SAR Grants Table (None)

     Aggregated  Option/SAR  Exercises in Last Fiscal Year and FY-End Option/SAR
value (None)

         Long Term Incentive Plans - Awards in Last Fiscal Year (None)


<PAGE>


<TABLE>
<CAPTION>

                   DIRECTOR COMPENSATION FOR LAST FISCAL YEAR
                   ------------------------------------------

(Except for  compensation of Officers who are also Directors which  Compensation
is listed in Summary Compensation Table of Executives)

                               Cash Compensation                    Security Grants
Name                      Annual Retainer   Meeting Fees   Consulting            Number of     Number of Securities
                          Fees ($)          ($)            Fees/Other Fees ($)   Shares (#)    Underlying Options/SARs(#)
------------------------- ----------------- -------------- --------------------- ------------- --------------------------
<S>                       <C>               <C>            <C>                   <C>           <C>

A. Director               0                 0              0                     0             0
William A. Erickson

B. Director               0                 0              0                     0             0
Michael R. Butler

C.  Director              0                 0              0                     0             0
Ronald A. Shogren
</TABLE>


Item 11. Security Ownership of Certain Beneficial Owners and Management
         --------------------------------------------------------------

         The following  table sets forth  information,  as of December 31, 2000,
with respect to the  beneficial  ownership of the  Company's no par value common
stock by each  person  known by the Company to be the  beneficial  owner of more
than five percent of the outstanding common stock.

                                               Number of         Percentage of
                  Name                       Shares Owned            Class
------------------------------------- -------------------- --------------------
William A. Erickson                               140,000                17.9%
Michael R. Butler                                 140,000                17.9%
Ronald A. Shogren                                       0                    0
Maureen Douglass                                  140,000                17.9%
Officers and Directors as a group                 420,000                 53.7

                                     PART IV

Item 12. Certain Relationships and Related Transactions.
         ----------------------------------------------

For  information  concerning  restrictions  that are imposed upon the securities
held by current  stockholders,  and the responsibilities of such stockholders to
comply with federal securities laws in the disposition of such Common Stock, see
"Risk Factors - Rule 144 Sales."

<PAGE>

No officer,  director,  or  affiliate of the Company has or proposes to have any
direct or indirect material interest in any asset proposed to be acquired by the
Company through security holdings, contracts, options, or otherwise.

The Company has adopted a policy under which any consulting or finder's fee that
may be paid to a third  party or  affiliate  for  consulting  services to assist
management  in evaluating a prospective  business  opportunity  would be paid in
stock or in cash.  Any such  issuance of stock would be made on an ad hoc basis.
Accordingly,  the Company is unable to predict  whether or in what amount such a
stock issuance might be made.

Although there is no current plan in existence,  it is possible that the Company
will adopt a plan to pay or accrue  compensation  to its officers and  directors
for services related to seeking business  opportunities  and completing a merger
or acquisition transaction.

Although  management  has no current  plans to cause the Company to do so, it is
possible  that the  Company  may enter  into an  agreement  with an  acquisition
candidate requiring the sale of all or a portion of the Common Stock held by the
Company's  current  stockholders  to the  acquisition  candidate  or  principals
thereof,  or to other individuals or business entities,  or requiring some other
form of payment to the Company's current  stockholders,  or requiring the future
employment  of specified  officers  and payment of salaries to them.  It is more
likely  than  not  that  any  sale  of  securities  by  the  Company's   current
stockholders  to an  acquisition  candidate  would  be at a price  substantially
higher than that  originally paid by such  stockholders.  Any payment to current
stockholders  in the context of an  acquisition  involving  the Company would be
determined  entirely by the largely  unforeseeable  terms of a future  agreement
with an unidentified business entity.

Transactions with Management and Others
---------------------------------------

There were no  transactions or series of  transactions  during the  Registrant's
last  fiscal  year  or  the  current  fiscal  year,  or any  currently  proposed
transactions  or series of  transactions of the remainder of the fiscal year, in
which the amount  involved  exceeds $60,000 and in which to the knowledge of the
Registrant,  any director,  executive officer,  nominee,  future director,  five
percent  shareholder,  or any member of the  immediate  family of the  foregoing
persons, have or will have a direct or indirect material interest.


<PAGE>


Item 13. Exhibits and Reports on Form 8-K
         ---------------------------------

          The following documents are filed as part of this report:

          1.       Reports on Form 8-K:  None

          2.       Exhibits:




                                      INDEX
Regulation
S-K Number               Exhibit                              Page Number
----------               -------                              -----------

3.1               Articles of Incorporation          *Incorporated by reference
                                                     to Registration Statement
                                                     #000-26317

3.2               Bylaws                             *Incorporated by reference
                                                     to Registration Statement
                                                     #000-26317



<PAGE>


                                   SIGNATURES

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

                                            GARNER INVESTMENTS, INC.
                                            (Registrant)

Date:  April 10, 2001
                                            /s/ William A. Erickson
                                            ------------------------------------
                                            William A. Erickson, President


                                            DIRECTORS:


                                            /s/ William A. Erickson
                                            ------------------------------------
                                            William A. Erickson



                                            /s/ Michael R. Butler
                                            ------------------------------------
                                            Michael R. Butler



                                            /s/ Ronald A. Shogren
                                            ------------------------------------
                                            Ronald A. Shogren