1

             SECURITIES  AND EXCHANGE COMMISSION
                    Washington, DC 20549




                          FORM 10-Q
      Current Report Pursuant to Section 13 or 15(d) of
             The Securities Exchange Act of 1934

  Date of Report (Date of earliest event reported) December
                          19, 2000.

             MIRADOR DIVERSIFIED SERVICES, INC.
           (Formerly TCT Financial Group B, Inc.)




Nevada                        0-28197        88-0431561
(State or other            (Commission      (IRS Employer
jurisdiction of            File Number)  Identification No.)
incorporation)





  675 Lynnhaven Parkway 2nd Floor, Virginia Beach VA 23452
          (Address of Principal Executive offices)
















Registrant's telephone number, including area code:  (757)463-9646
Item 1.  Changes in Control of Registrant

None

Item 2.  Acquisition or Disposition of Assets

None

Item 3.  Bankruptcy or receivership

Not Applicable.

Item 4.  Changes in Registrant's Certifying Public
Accountant

Not Applicable.

Item 5.  Other Events

Mirador has formed several key partnerships. Mirador has
formed a partnership with Golden State Mutual Life Insurance
Company of California. Under this agreement Mirador will
begin training more than 500 independent and employee sales
agents through an agreement between Mirador and this 78-year-
old insurance carrier. The insurance carrier partner will
pay a fee for all the new business generated by the FNA.

Another Partnership has been reached with Legacy Unlimited a
privately owned Broker Dealer sales organization, marketers
of insurance products and mutual fund investments. Golden
State and Legacy pay a fee for all new mutual fund and
insurance sales generated by the FNA. Insurance agents will
earn a fee for each loan application they generate that can
be converted into a closed loan. This is a three-way
partnership between Golden State Mutual Life Insurance
Company, Legacy Unlimited and Mirador Diversified Services,
Inc. This agreement will allow each company to cross sell to
each other's client base.

Additionally, Legacy has more than 200 securities broker
dealers that will be trained and assisted to become
insurance licensed. The training will also consist of how to
use a Financial Needs Analysis (FNA) software program
designed to assist the agents to determine their clients'
financial and investment needs and offer financial
solutions. Those solutions are likely to include mortgage
loans when debt consolidation would be in order as well as
other services offered by Mirador such as insurance policies
and mutual fund investments (sales written by the
appropriately licensed agents).




Mirador will operate as a net branch for a large regional
bank in states where Mirador does not hold a license. This
will allow Mirador to write mortgage loans in 45 states. As
a result of this agreement Mirador will be able to
concentrate on loan production and maintain very low back
office staff.

Mirador will be able to offer the sales staff and consumers
an online loan application and follow up.



Item 6.  Resignation of Registrant's Directors

None


Item 7.  Financial Statements and Exhibits

             Mirador Diversified Services, Inc.
                         Consolidated
                        Balance Sheet
                   As of October 31, 2000


                                              Oct 31,
                                                  '00
ASSETS
   Current Assets
       Checking/Savings
          Bank One                             374.11
          Keybank - Operating              -23,734.57
       Total Checking/Savings              -23,360.46
       Accounts Receivable
          Accounts Receivable               15,000.00
       Total Accounts Receivable            15,000.00
       Other Current Assets
          Cash on Hand                       4,671.38
          Employee Advances                    200.00
       Total Other Current Assets            4,871.38
   Total Current Assets                     -3,489.08
   Fixed
  Assets
       Accumulated Depreciation
          Computers                        -19,132.40
          Furniture & Fixtures             -22,424.83
          Vehicles                         -15,448.58
       Total Accumulated
       Depreciation                        -57,005.81
       Equipment
          Computers                         30,701.87
          Vehicles                          24,530.23
          Equipment - Other                    149.00
       Total Equipment                      55,381.10
       Furniture & Fixtures                 25,606.03
   Total Fixed Assets                       23,981.32
   Other
  Assets
       Investment                              400.00
       Investment - Arrngton Homes          28,914.69
       Mortgage Loan Receivable             34,250.26
       Organizational Costs                    400.00
       Refundable Deposits                     925.00
   Total Other Assets                       64,889.95
TOTAL ASSETS                                85,382.19
LIABILITIES & EQUITY
   Liabilities
     Current Liabilities
          Accounts Payable
              Accounts Payable              20,837.48
          Total Accounts Payable            20,837.48
          Other Current Liabilities
              Bank Loan - LOC               14,663.90
              Note Payable
                 TB Financial             -122,893.03
                 Note Payable -
            Other                          -13,909.36
              Total Note Payable          -136,802.39
              Payroll Liabilities
                 OCC Withholding               -75.53
                 Payroll Liabilities        20,582.78
            - Other
              Total Payroll                 20,507.25
          Liabilities
          Total Other Current
     Liabilities                          -101,631.24
       Total Current Liabilities          - 80,793.76
   Total Liabilities                     -  80,793.76
   Equity
   Additional Paid In Capital              160,000.00
       Common Stock                         69,105.11
       Opening Bal Equity                   -3,658.89
       Retained Earnings                  - 60,307.39
       Net Income                            1,037.12
   Total                                   166,175.95
  Equity
TOTAL LIABILITIES & EQUITY                  85,382.19



             Mirador Diversified Services, Inc.
                         Consolidated
                     Statement of Income
            For the period ended October 31, 2000


                                   Oct '00  Feb - Oct'00
   Ordinary Income/Expense
      Income
         Fees                    42,994.07    380,064.49
         Total Income            42,994.07    380,064.49

      Expense
         Advertising                269.78      2,062.96
         Automobile Expense         553.51      1,685.18
         Bank Service Charges        23.95      2,171.88
         Commission                 503.01     21,237.61
         Cost of Sales
             Appraisal Fees       5,409.12     46,463.46
             Credit Reports       2,049.30    12,860.75

             Freight/Express      295.98     4,562.28
             Origination Labor      0.00     1,325.00
         Costs
             Cost of Sales -    1,371.95     2,835.01
         Other
         Total Cost of Sales    9,126.35    68,046.50

         Dues and Subscriptions     0.00       651.43
         Insurance
             Health                 0.00       743.88
             Liability Insurance    0.00       307.21
             Insurance - Other  1,672.22    14,873.26

         Total Insurance        1,672.22    15,924.35

         Interest Expense
             Finance Charge       215.48     1,249.56
         Total Interest Expense   215.48     1,249.56
         Licenses and Permits       0.00       745.00
         Office Supplies          699.58    11,015.40
         Outside Services      11,298.65    95,019.23
         Payroll Expenses
             Officer Salary     6,309.55    48,923.02
             Payroll Expenses - 4,074.59    36,566.94
         Other
         Total Payroll Expenses10,384.14    85,489.96
         Postage and Delivery     200.00     1,030.76
         Printing and              17.61     4,275.59
      Reproduction
         Professional               0.00     1,530.55
      Development
         Professional Fees
             Accounting             0.00     5,540.00
             Legal Fees         1,990.00     3,942.50
        Total Professional      1,990.00     9,482.50
      Fees
         Rent                     348.00    13,686.11
         Repairs                  900.00     3,382.50
         Taxes
             Local                 58.50        58.50
         Total Taxes               58.50        58.50
         Telephone              1,720.01    19,491.90
         Travel & Ent
             Entertainment        108.25       985.18
             Meals                 20.00       101.16
             Travel             2,705.00    14,027.70
             Travel & Ent -         0.00     2,355.00
         Other
         Total Travel & Ent     2,833.25    17,469.04

         Uncategorized Expenses     0.00         0.00
         Utilities
             Gas and Electric       0.00     3,320.86
         Total Utilities            0.00     3,320.86
      Total Expense            42,814.04   379,027.37

   Net Ordinary Income            180.03     1,037.12
Net                               180.03     1,037.12
Income




Item 8.  Change in Fiscal Year

Not Applicable.


Item 9. Contracts

     Golden State Mutual Life Insurance Company / Legacy
     Unlimited LLC / Mirador Diversified Services, Inc.

Insurance Brokerage Agreement

This Agreement is made and entered into as of the 5th day of
December 2000 by and between Legacy Insurance Group, LLC. a
Maryland corporation (hereinafter Legacy Insurance Group),
Mirador Diversified Services, Inc. a Nevada corporation
(hereinafter (Mirador), and Golden State Mutual Life
Insurance Company a  California Mutual Insurance Company
("hereinafter "Licensee").

      WHEREAS,  Primarily, Legacy Insurance  Group  and  its
affiliates,  and  secondarily, Mirador  and  its  affiliates
provide  certain  insurance services to  Insurance  Brokers,
Insurance  General  Agents and Writing Agents  which  assist
them in performing their business; and

      WHEREAS,  Mirador provides certain financial  planning
services to Insurance Brokers, Insurance General Agents  and
Writing  Agents  which  assist  them  in  performing   their
business; and

      WHEREAS,  Licensee, who is or will become an Insurance
Broker  with Legacy Insurance Group and wishes to  establish
an  insurance  brokerage office in the states  listed  under
Exhibit  A  (the "Office") for the purpose of  operating  an
insurance  brokerage business and to engage  General  Agents
and  Writing  Agents to conduct their business out  of  such
Office; and

      WHEREAS,  Licensee wishes to utilize  certain  of  the
services  provided by Legacy Insurance Group to  assist  the
Licensee,  the  General Agent(s), and the  Writing  Agent(s)
working in the Office, and Legacy Insurance Group is willing
to provide such services to Licensee.

      NOW,  THEREFORE,  in consideration  of  the  foregoing
premises and such other good and valuable consideration, the
receipt  and  sufficiency of which are hereby  acknowledged,
the parties hereby agree as follows:

1.    Legacy Insurance Group  - Legacy Insurance Group
hereby agrees to perform the services described in this
Agreement for Licensee:
     (a)  Provide systems and support personnel necessary to
     introduce business to Life, Health, Annuity, and
     Supplemental Insurance Carriers (the "Carriers") as
     listed in Exhibit B for the origination of life,
     health, annuity, and supplemental insurance contracts
     and for the execution and maintenance of transactions
     facilitated through each Carrier in life, health,
     annuity, and supplemental insurance programs and
     services.
     (b)  Provide customer statements and confirmations from
     Carriers in good standing as determined by A.M. Best.
     (c)  Provide such other administrative services as
     shall be determined in the sole discretion of Legacy
     Insurance Group to be necessary or appropriate for the
     operation of an insurance brokerage business.
     (d)  By the 15th calendar day following the calendar
     month-end transaction date, deliver monthly
     reconciliation summarizing the life, health, annuity,
     and supplemental insurance business of each General
     Agent and Writing Agent in each Office for the prior
     month, including the date of each transaction made by
     the General Agent and Writing Agent, the face amount of
     each transaction, the collected premium date of each
     transaction, and the amounts due to the General Agent,
     Writing Agent and to the Licensee for commissions
     earned on such transactions, as well as such other
     information as Legacy Insurance Group shall, from time
     to time, include on such reconciliation.
     (e)  Establish with each Carrier their disbursement schedule
       for amounts due to Insurance Broker, General Agent and
       Writing agent for commissions of prior month transaction
       activity.  Legacy Insurance Group will arrange for
       commissions to be disbursed directly to the Insurance
       Broker, General Agent and Writing Agent from Carrier unless
       otherwise specified by Carrier.
     (f)  Add, subtract or delete Carriers based on suitability,
       appeal, quality of service, quality of underwriting, Carrier
       rating, and all other applicable reasons.

2.   Compliance and Supervision  - Legacy Insurance Group
and Licensee each acknowledge the regulated nature of the
insurance industry and the importance of compliance with the
rules and regulations imposed by, among others, various
state and federal regulatory authorities and Carriers.
Licensee shall at all times operate the Office in accordance
with all internal rules, regulations, policies, requests,
directives, memoranda and the like of Legacy Insurance
Group, as well as local, state and federal rules,
regulations, ordinances, and requirements, including without
limitation, those governing the operation of an insurance
brokerage office and the various state regulatory agencies
having jurisdiction over the activities of the Office and
the Licensee's General Agent(s) and Writing Agent(s).

3.    Representations, Warranties and Covenants of Legacy
Insurance Group
     (a) Licenses - Legacy Insurance Group shall maintain a
     registration as a residence or non-residence licensed
     insurance brokerage or insurance agent within the
     states listed in Exhibit A.  All such licenses will be
     maintained and renewed on a timely basis by Legacy
     Insurance Group at its sole cost and expense.  Legacy
     Insurance Group may secure additional state life,
     health, annuity, and supplemental insurance licenses
     so to provide insurance products and services for
     Licensee, General Agents and Writing Agents in new
     jurisdictions.

4.     Representations, Warranties and Covenants of Licensee
     (a)  Licenses - Licensee represents and warrants that
     it has secured a resident or non-resident license as
     determined by Legacy Insurance Group for doing
     business in such states and verification of
     authorization to applicable Carriers.  All such
     licenses will be maintained and renewed on a timely
     basis by Licensee at Licensee's sole cost and expense.
     Licensee may secure additional state life, health,
     annuity, and supplemental insurance licenses, provided
     that prior to obtaining such licenses, notification is
     given to Legacy Insurance Group.
     (b)  Supervision - Licensee shall diligently and regularly
     monitor the activities of all General Agents and Writing
     Agents operating out of the Office to insure compliance with
     all rules and regulations and policies and procedures of the
     state regulatory authorities, Carriers, and Legacy Insurance
     Group.  Any failure by any General Agent or Writing Agent to
     comply with all such applicable rules and regulations,
     policies, and procedures shall be promptly reported to
     Legacy Insurance Group.
     (c)  Insurance - Licensee agrees that it and all of
     its General Agents and Writing Agents shall subscribe
     to at their own cost, errors and omissions insurance
     in such form and amounts as determined by Licensee, to
     the satisfaction of Legacy Insurance Group, including
     extended reporting coverage upon the General Agent's
     or Writing Agent's termination, either voluntary or
     otherwise, at the cost of one (1) year's premium.
     Licensee shall not allow any General Agent or Writing
     Agent to conduct any life, health, annuity, and
     supplemental insurance business until such errors and
     omission insurance is in force and effect.

5.     Commission Rate and Appointment Contract
     (a)   Legacy Insurance Group shall establish the Licensee's
       commission rate on a carrier-by-carrier basis (refer to
       Exhibit C) at which point, Licensee must complete an
       appointment contract with each Carrier and Legacy Insurance
       Group the Licensee decides to have its General Agents and
       Writing Agents market.
     (b)  In addition to the carrier commission rates set
     forth in Exhibit C, Licensee shall be responsible for
     and shall be liable to Legacy Insurance Group for the
     payment of all debts, unsecured debts, unsecured
     debits, expenses, costs or charges incurred by Legacy
     Insurance Group for the account of any customer or
     vendor of Licensee or his/her Writing Agents
     (collectively "Customer Account Losses").  Such
     Customer Account Losses shall include, without
     limitation, the following:
             (I) The cost of any chargebacks;
                    (II) Carrier transaction charges;
                    (III)     Wire transfer or draft charges;
             (VI) Processing charges of Legacy Insurance
                  Group, overnight fees, interest charges,
                  postage charges, telephone charges;
                    (IV) Unsecured debits;
                    (V)  Any other charge(s) which typically is/are paid by a
                    General Agent or Writing Agent in the Office, but, for
                    whatever reason, was/were not paid by the General Agent or
                    Writing Agent; and
                    (VI) Arbitration awards and civil judgments as well as
                    settlements thereof and arbitration fees, member surcharges,
                    and other court or arbitration costs incurred with any of
                    the foregoing or any dispute with any customer of License or
                    its General Agents and Writing Agents, as more fully set
                    forth in Paragraph six (6) below.  Such payment may be
                    procured by Legacy Insurance Group either by reducing
                    amounts otherwise due from Legacy Insurance Group to
                    Licensee, or by requesting a check from Licensee, or any
                    combination thereof, at the sole option of Legacy Insurance
                    Group.

     (b)  Licensee shall be solely responsible for the payment
       structure of each General Agent or Writing Agent's monthly
       commission.  Licensee shall deliver a schedule to Legacy
       Insurance Group disclosing the Commission rates applicable
       to each General Agent or Writing Agent in the Office.  To
       the extent that Licensee does not otherwise owe any sums to
       Legacy Insurance Group, Legacy Insurance Group will
       authorize the Carriers to calculate the amounts due to each
       General Agent or Writing Agent, deduct such amount from the
       Licensee and remit such amount to the appropriate General
       Agent or Writing Agent, on Licensee's behalf.

     (c)  Licensee and each General Agent or Writing Agent must
       have registration in states where commissions are generated.

         (d)    At the termination of Licensee's and/or the
     General Agent or Writing Agent's association with
     Legacy Insurance Group, Legacy Insurance Group shall
     instruct each Carrier to hold all commissions, for a
     period of thirty (30) days from the date that the last
     commission checks would otherwise be due or until
     Legacy Insurance Group is satisfied that all pending
     or asserted claims against Legacy Insurance Group,
     Licensee and/or Licensee's General Agent or Writing
     Agent (s) are satisfactorily resolved, whichever is
     later regardless of whether Licensee or General Agent
     or Writing Agent is specifically named as a Respondent
     or Defendant in any proceeding.

6.   Indemnification - General Agent, Writing Agent and
Licensee shall indemnify and hold harmless Legacy Insurance
Group from and against any and all claims or actions and all
costs, expenses, losses of any kind (including without
limitation, all arbitration awards, civil judgments,
reasonable attorney fees and costs, and court, arbitration
fees, member surcharges and costs), against the Office, the
Licensee and/or a General Agent or Writing Agent in the
Office or against Legacy Insurance Group relating to the
acts or asserted acts of Licensee and/or its Writing
Agent(s), regardless of whether Licensee or Writing Agent(s)
is/are specifically named as a Respondent or Defendant in
any proceeding.  Legacy Insurance Group, at its sole option,
and without the prior approval of either the Licensee or
applicable General Agent or Writing Agent may settle or
compromise any claim at any time.  Licensee agrees that any
settlement entered into by Legacy Insurance Group with a
customer, vendor of Licensee or any third party shall be
binding upon Licensee, and shall conclusively determine the
amount of loss attributable to such claim.  In the event
Licensee wishes to disagree with such settlement, he/she may
do so by filing a bond or depositing into an escrow account
for the benefit of Legacy Insurance Group, the amount of
damages alleged by Plaintiff or claimant.  In such event,
Legacy Insurance Group will not settle the claim without the
consent of Licensee.   Licensee further agrees that Legacy
may offset such costs, expenses or losses resulting from
such civil verdicts or judgments, arbitration awards and
settlements, against any monies due Licensee under this
Agreement or any addendum to this Agreement as well as
against any securities or monies contained in any individual
brokerage account which Licensee and/or the applicable
General Agent or Writing Agent may maintain with Legacy
Insurance Group, and that such offset may be made prior to
determination by any court or arbitration panel as to the
reasonableness thereof.  Legacy Insurance Group may also opt
to hold monies due Licensee in advance of actual damages
being incurred by Legacy Insurance Group by notifying
Licensee and providing a reasonable explanation thereof.

7.   Use of Corporate Name - Legacy Insurance Group hereby
grants to Licensee a non-assignable exclusive right to
operate the office under the name of Legacy Insurance Group,
LLC. This operating right shall be limited to dealings with
customers concerning their insurance contracts.  Licensee
shall not have the right to, enter into contracts,
commitments, or incur any liabilities under the name Legacy
Insurance Group, LLC. Whether in connection with the
operation of the office or otherwise, except with customers
in the ordinary course of business.

8.   Assignment - The rights granted hereunder to Licensee
are personal in nature.  Any purported transfer of any such
rights (by operation of law or otherwise) not specifically
authorized pursuant to this Agreement will be void, and will
also be a breach of this Agreement.  The rights granted
hereunder to Licensee, including without limitation the
right to the use of the name Legacy Insurance Group, LLC.
may not be the subject of any security interest, lien, levy,
attachment or execution by any creditor of Licensee.  Legacy
Insurance Group may freely assign all of its rights and
obligations under this Agreement to any person, firm,
corporation or other entity.

9.   Relationship of Parties - Except as provided for in
this Agreement, neither party is the legal representative or
agent of, or has the power to obligate the other for any
purpose whatsoever; and no partnership, joint venture,
agency, fiduciary or employment relationship is intended or
created by reason of this Agreement.  It is the intent of
parties that for all federal and state tax purposes, the
Licensee shall be an independent contractor of Legacy
Insurance Group.

10.  Term - This agreement shall be in full force and effect
until December 31, 2002 (with the exception of Paragraphs
4(c), 5,6, and 12, which shall survive any termination)
unless Licensee's registration is, terminated for cause,
prior thereto.

11.  Non-Disclosure - Licensee shall not during the term of
this Agreement or at any time after its termination disclose
any information concerning the manner in which Legacy
Insurance Group conducts its business, including without
limitation, the names of customers of Legacy Insurance
Group, to any person or party except if so required by law.

12.  Remedies - The remedies provided in this Agreement are
not exclusive, and its provisions are sever able.  It will
be governed by Maryland law, it is exclusively for the
benefit of the parties hereto and it may not give rise to
liability to a third party.

13.  Entire Agreement - This is the entire agreement between
the parties.  It supersedes all previous agreements.  No
change in this Agreement will be valid unless in writing
signed by both parties.  The section headings in this
Agreement will not affect their interpretation.  No failure
to require strict performance or to exercise any right or
remedy hereunder will preclude requiring strict performance
or exercising any right or remedy in the future.  Legacy
Insurance Group's consent, wherever required, may be
withheld if any default by Licensee exists under this
Agreement.

14.  Notices - Notices will be effective hereunder when they
are reduced to writing and delivered personally or mailed b
certified mail to the appropriate party at its address
stated below, or to such person and at such address as may
be designated by written notice hereunder.  Approvals and
consents by Legacy Insurance Group will not be effective
unless evidenced in writing or by telefax and duly executed
on behalf of Legacy Insurance Group.

LICENSEE: GOLDEN STATE MUTUAL LIFE INSURANCE COMPANY, INC.

NAME:
     _S/S__________________________________________________
     Charles James, Vice President

BY: S/S_____________________________________________


ADDRESS: 1999 Adams Ave., Los Angeles, CA


LEGACY INSURANCE GROUP, LLC

BY:  S/S
     _______________________________________________________


NAME: Vernon Marrow, President

ADDRESS: 2 E. Fayette Street, Baltimore, MD 21202


MIRADOR DIVERSIFIED SERVICES, INC.

BY: S/S
     _______________________________________________________



NAME: John Edward Jones, President CEO

675 Lynnhaven Parkway, 2nd Floor, Virginia Beach, VA 23452





                          Exhibit A


         Golden State Mutual Life Insurance Company
              State Insurance Brokerage Offices




Licensed to do business in:

                           Arizona
                         California
                    District of Columbia
                           Georgia
                           Hawaii
                          Illinois
                          Louisiana
                          Maryland
                          Michigan
                         Mississippi
                          Missouri
                           Nevada
                       North Carolina
                          Tennessee
                            Texas
                          Virginia


                          Exhibit B


        Life, Health, Annuity & Supplemental Carriers

                  Life Insurance Carriers:

  Old Line Life Insurance Company, Inc. (American General)
        Security Connecticut Insurance Company, Inc.
              F&G Life Insurance Company, Inc.


                 Disability Income Carriers:

                       Illinois Mutual


                      Annuity Carriers:

              F&G Life Insurance Company, Inc.
        Jackson National Life Insurance Company, Inc.


              Supplemental Insurance Carriers:

                            AFLAC




                          Exhibit C


        Life, Health, Annuity & Supplemental Carrier
                Commission Rates for Licensee




                  Life Insurance Carriers:

Old Line Life Insurance Co, Inc.                  100%
Security Connecticut Insurance Company, Inc.      100%
F&G Life Insurance Company, Inc.                  100%


                 Disability Income Carriers:

Illinois Mutual                                     50%


          Annuity Carriers (% of Gross Commission):

F&G Life Insurance Company, Inc.                    85%
Jackson National Life Insurance Company, Inc.       85%


      Supplemental Insurance Carriers (% of Override):

AFLAC                                               10%
Pursuant to the requirements of the Securities and Exchange
Act of 1934, the Registrant has caused this report to be
signed in its behalf by the undersigned, hereunto duly
authorized.

Dated:  December 19, 2000               Mirador Diversified
Services, Inc.

                         S/S___John Edward Jones
                         John Edward Jones, President

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

Dated:  December 19, 2000               Mirador Diversified
Services, Inc.


                         S/S___John Edward Jones
                         John Edward Jones, President