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

                                   FORM 10-QSB

[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES
    EXCHANGE ACT OF 1934

    For the Quarterly Period Ended: March 31, 2003

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

    For the Transaction Period From ____________ to ___________


                        Commission file number 000 30585


                              CREATIVE VISTAS, INC.
        (Exact name of small business issuer as specified in its charter)


            Arizona                                             86-0464104
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                              Identification No.)


           4609 EAST MCDOWELL ROAD, SUITE 100, PHOENIX, ARIZONA 85008-4293
                    (Address of principal executive offices)


                                 (602) 225-0504
                           (Issuer's telephone number)

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 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 [ ]

As of May 8, 2003,  there were  10,000,000  shares of common stock, no par value
per share, outstanding.

Transitional Small Business Disclosure Format (check one): Yes [ ] No [X]
<PAGE>
PART I. FINANCIAL INFORMATION.

     Item 1. Financial Statements

        Balance Sheets as of March 31, 2003 (Unaudited) and
        September 30,2002 .................................................... 3

        Statements of Operations for the three months and six months ended
        March 31, 2003 and 2002 (Unaudited)................................... 4

        Statements of Shareholders' Equity for the six months ended
        March 31, 2003 (Unaudited)............................................ 5

        Statements of Cash Flows for the six months ended
        March 31, 2003 and 2002 (Unaudited)................................... 6

        Notes to Financial Statements ........................................ 7

     Item 2. Plan of Operation ............................................... 8

     Item 3. Controls and Procedures ......................................... 9

PART II. OTHER INFORMATION

     Item 1. Legal Proceedings ..............................................  9

     Item 2. Changes in Securities and Use of Proceeds ......................  9

     Item 3. Defaults Upon Senior Securities ................................  9

     Item 4. Submission of Matters to a Vote of Security Holders ............  9

     Item 5. Other Information ..............................................  9

     Item 6. Exhibits and Reports on Form 8-K ...............................  9

SIGNATURES .................................................................. 10

                                       2
<PAGE>
                                     PART I

ITEM 1. FINANCIAL STATEMENTS

                              CREATIVE VISTAS, INC.

                                 BALANCE SHEETS


                                           March 31, 2003     September 30, 2002
                                          -----------------   ------------------
                                             (Unaudited)
Assets

Current Assets
 Cash and Cash Equivalents                    $    845             $  3,486
                                              --------             --------

       Total Assets                           $    845             $  3,486
                                              ========             ========

Liabilities and Shareholders' Equity (Deficit)

Current Liabilities
 Accounts Payable                             $    248             $  1,039
 Notes Payable- Related Entities                11,850                6,850
                                              --------             --------

       Total Liabilities                        12,098                7,889
                                              --------             --------

Shareholders' Equity (Deficit)
 Preferred stock, no par value; 50,000,000
  shares authorized, 0 shares issued and
  outstanding                                       --                   --
 Common stock, no par value; 100,000,000
  shares authorized, 10,000,000 issued
  and outstanding                               61,653               61,653
 Accumulated deficit                           (72,906)             (66,056)
                                              --------             --------


       Total Shareholders' Equity (Deficit)    (11,253)              (4,403)
                                              --------             --------
       Total Liabilities and
        Shareholders' Equity                  $    845             $  3,486
                                              ========             ========

     See the accompanying notes to unaudited condensed financial statements.

                                       3
<PAGE>
                              CREATIVE VISTAS, INC.

                            STATEMENTS OF OPERATIONS


<TABLE>
<CAPTION>
                                             Three Months Ended                      Six Months Ended
                                                  March 31,                             March 31,
                                                 (UNAUDITED)                           (UNAUDITED)
                                       -------------------------------       -------------------------------
                                           2003               2002               2003               2002
                                       ------------       ------------       ------------       ------------
<S>                                    <C>                <C>                <C>                <C>
Revenue                                $         --       $         --       $         --       $         --

Expenses
  Office supplies                               469                 --                469                 --
  Printing                                       --                340                 --                513
  Postage                                        16                152                174                152
  Legal                                         165              8,062                165             30,563
  Accounting                                  2,915              2,298              4,115              5,526
  Fees                                          257                189              1,842                308
  Administrative                                 --              3,000                 --              3,000
  Miscellaneous                                  58                 62                 85                132
                                       ------------       ------------       ------------       ------------

          Total Expense                       3,880             14,103              6,850             40,194
                                       ------------       ------------       ------------       ------------

Net Loss                               $     (3,880)      $    (14,103)      $     (6,850)      $    (40,194)
                                       ============       ============       ============       ============

Basic Loss per common share            $      (0.00)      $      (0.01)      $      (0.00)      $      (0.04)
                                       ============       ============       ============       ============
Weighted average number of common
shares outstanding                       10,000,000          1,000,000         10,000,000          1,000,000
                                       ============       ============       ============       ============
</TABLE>

     See the accompanying notes to unaudited condensed financial statements.

                                       4
<PAGE>
                              CREATIVE VISTAS, INC.

                        STATEMENT OF SHAREHOLDERS' EQUITY
                  For the Six Month Period Ended March 31, 2003
                                   (Unaudited)


<TABLE>
<CAPTION>
                                                                   Additional                      Total
                                              Common Stock          paid-in     Accumulated    Stockholders'
                                          Shares         Amount     capital       Deficit     Equity(Deficit)
                                          ------         ------     -------       -------     ---------------
<S>                                     <C>             <C>          <C>         <C>             <C>
Balance at September 30, 2002
(Audited)                               10,000,000      $61,653      $  --       $(66,056)       $ (4,403)

Net loss for the six month period
ended March 31, 2003 (Unaudited)                --      $    --         --       $ (6,850)       $ (6,850)
                                        ----------      -------      -----       --------        --------

Balance at March 31, 2003 (Unaudited)   10,000,000      $61,653      $  --       $(72,906)       $(11,253)
                                        ==========      =======      =====       ========        ========
</TABLE>

     See the accompanying notes to unaudited condensed financial statements.

                                       5
<PAGE>
                              CREATIVE VISTAS, INC.

                            STATEMENTS OF CASH FLOWS
                                   (Unaudited)

                                                          For the Six Months
                                                            Ended March 31,
                                                              (UNAUDITED)
                                                        -----------------------
                                                          2003           2002
                                                        --------       --------
Cash Flows from Operating Activities:
  Net Loss                                              $ (6,850)      $(40,194)

Changes in Assets and Liabilities:
  Increase (decrease) in accounts payable                   (791)           698

  Increase in Accrued Expenses                                --          3,000
                                                        --------       --------
       Net Cash Used in Operating Activities              (7,641)       (36,496)
                                                        --------       --------
Cash Flows from Financing Activities:
  Notes from related entities                              5,000         36,200
                                                        --------       --------

       Net cash provided by financing activities           5,000         36,200
                                                        --------       --------

Net decrease in cash and cash equivalents                 (2,641)          (296)


Cash and cash equivalents at beginning of period           3,486          1,091
                                                        --------       --------

Cash and cash equivalents at end of period              $    845       $    795
                                                        ========       ========

Supplemental Information

Income taxes paid                                       $     --       $     --
Interest paid                                           $     --       $     --


     See the accompanying notes to unaudited condensed financial statements.

                                        6
<PAGE>
                              CREATIVE VISTAS, INC.

                          NOTES TO FINANCIAL STATEMENTS


NOTE 1 - History and organization of the Company

     The Company was  incorporated on July 18, 1983, under the laws of the State
of Arizona as Vista  Financial  Services,  Inc.  The Company was a  wholly-owned
subsidiary of Century Pacific Corporation ("Century Pacific").

     In 1993, the Company filed a petition for  reorganization  under Chapter 11
of the  United  States  Bankruptcy  Code (Case No.  B93-05704-PHX-GBN).  Century
Pacific also filed a petition for reorganization  under Chapter 11 of the United
States  Bankruptcy Code. The Bankruptcy  Court confirmed the Company's  modified
plan of reorganization  (the "Plan") on November 27, 1996. Pursuant to the Plan,
the Company's common stock previously owned by Century Pacific was exchanged for
two and one-half percent of the post-reorganization common stock of the Company.
An additional two and one-half percent of the  post-reorganization  common stock
of the Company was distributed  under the Century Pacific plan of reorganization
and the  remaining  ninety-five  percent  was  issued  in  satisfaction  of rent
obligations owing by the Company.

     On March 12, 1997, the Company  changed its name to Creative  Vistas,  Inc.
The Company currently has no operations.

NOTE 2 - Accounting Policies and Procedures

     The unaudited interim financial statements have been prepared in accordance
with generally accepted accounting  principles for interim financial information
and with the instructions in Item 310(b) of Regulation S-B. Accordingly, they do
not include all of the  information  and notes  required by  generally  accepted
accounting  principles  for  complete  financial  statements.  In the opinion of
management,  all  adjustments  (consisting  only of normal  recurring  accruals)
considered  necessary for a fair presentation have been made.  Operating results
for the six-month period ended March 31, 2003 are not necessarily  indicative of
the results that may be expected  for the year ending  September  30, 2003.  The
balance sheet at September 30, 2002 has been derived from the audited  financial
statements  at that  date,  but  does not  include  all of the  information  and
footnotes  required by generally  accepted  accounting  principles  for complete
financial statements. For further information,  refer to the Company's Financial
Statements  for the  fiscal  year  ended  September  30,  2002  included  in the
Company's Form 10-KSB for such fiscal period.

     Loss per  share is  calculated  by  dividing  income  available  to  common
stockholders by the weighted average number of common shares outstanding.

     No dividends have been paid since inception.

NOTE 3 - Going Concern

     The  Company's  financial  statements  are  prepared  using  the  generally
accepted accounting principles applicable to a going concern, which contemplates
the realization of assets and liquidation of liabilities in the normal course of
business.  However, the Company had no operating activities last quarter and has
no current source of revenue.

     Without  realization  of additional  capital,  it would be unlikely for the
Company to  continue  as a going  concern.  The  Company  currently  has limited
expenses other than legal,  accounting and commissions.  It is management's plan
to seek additional  capital through further equity financings and necessary bank
loans.

                                        7
<PAGE>
NOTE 4 - Related Party Transactions

     The Company neither owns nor leases any real or personal  property.  Office
services are provided by an affiliate of the Company. The officers and directors
of the Company are involved in other business activities and may, in the future,
become  involved  in  other  business  opportunities.  If  a  specific  business
opportunity  becomes  available,  such  persons may face a conflict in selecting
between  the Company and their  other  business  interests.  The Company has not
formulated a policy for the resolution of such conflicts.

     During the quarter ended March 31, 2002 the Board of Directors approved the
issuance of 9,000,000 shares of no par value common stock,  valued at $0.006, to
two related parties,  Miller Capital Corporation (Miller) and Tudor Investments,
LTD Profit Sharing Plan (Tudor), in exchange for administrative services and the
repayment  of  $51,100  of  outstanding  debt owed by the  Company to Miller and
Tudor. The Company  anticipates  completing this exchange as soon as practicable
following  the  effectiveness  of the  written  consent  action to  approve  the
amendments. This exchange was completed during the quarter ended June 30, 2002.

NOTE 5 - Equity

     During the quarter ended June 30, 2002,  the  Company's  Board of Directors
approved the increase of the  authorized  number of shares of Common Stock.  The
authorized  number of shares of Common Stock was increased to  100,000,000  from
1,000,000.

     During  the  quarter  ended  June 30,  2002,  the Board of  Directors  also
authorized 50,000,000 shares of Preferred Stock, no par value.

ITEM 2. PLAN OF OPERATION

     The  Company  is  a  shell  corporation  and  intends  to  remain  a  shell
corporation until a business opportunity is identified.  As a shell corporation,
the Company's cash requirements will be minimal. The Company does not anticipate
that it will need to raise  capital in the next  twelve  months  (other than for
minimal  operating  expenses).  The  costs  and  expenses  associated  with  the
preparing  and filing of this  Quarterly  Report  have been paid,  and all other
necessary capital prior to locating a business opportunity shall be provided by,
present management with their personal funds or from related parties as loans to
the  Company.  The Company  anticipates  that it will repay these loans upon the
consummation of a business combination.

     The  Company  intends  to  acquire  assets or shares of an entity  actively
engaged in a business  that  generates  revenues in exchange  for the  Company's
securities. The Company has not identified a particular business opportunity and
has not entered into any negotiations regarding any business combination.  As of
the date of this Quarterly Report, none of the Company's officers,  directors or
affiliates  has  engaged  in  any  preliminary  contact  or  discussions  with a
representative  of any other  company  regarding the  possibility  of a business
combination between the Company and such business opportunity.

     The Company does not expect to acquire any plant or significant  equipment,
or to perform any product  research and  development  within the next year.  The
Company has no full time employees.  The Company does not expect any significant
changes in the number of  employees.  The current  officers of the Company  have
agreed to  allocate  a portion of their time to the  activities  of the  Company
without  compensation.  These officers  anticipate devoting whatever time may be
reasonably required to the business affairs of the Company.

     During  the  three  month  period   ended  March  31,  2003,   general  and
administrative  expenses  decreased  to $3,880 from  $14,103 for the  comparable
period ended March 31, 2002.  The decrease was  primarily  due to a reduction in
legal fees for the period.

                                        8
<PAGE>
ITEM 3.  CONTROLS AND PROCEDURES

     Within the 90-day period prior to the filing of this report,  an evaluation
was  carried  out  under  the  supervision  and  with the  participation  of the
Company's   management,   including  its'   President  and  Treasurer,   of  the
effectiveness  of  our  disclosure  controls  and  procedures.   Based  on  that
evaluation,  the  President  and  Treasurer  have  concluded  that the Company's
disclosure  controls and  procedures  are  effective to ensure that  information
required  to be  disclosed  by the  Company in reports  that it files or submits
under the Securities Exchange Act of 1934 is recorded, processed, summarized and
reported within the time periods specified in Securities and Exchange Commission
rules and forms.

     Subsequent  to the  date of their  evaluation,  there  were no  significant
changes  in the  Company's  internal  controls  or in other  factors  that could
significantly affect the disclosure  controls,  including any corrective actions
with regard to significant deficiencies and material weaknesses.

                           PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

     There are no legal proceedings  pending against the Company and the Company
is unaware of any such proceedings contemplated against it.

ITEM 2. CHANGES IN SECURITIES AND USE OF PROCEEDS

     Not applicable.

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

     Not applicable.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

     Not applicable.

ITEM 5. OTHER INFORMATION

     Not applicable.

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

     (a) Exhibits

         2.1  Plan of Reorganization                                      ***
         2.2  Amended Order Confirming the Plan of Reorganization         ***
         3.1  Articles of Incorporation                                    **
         3.2  By-Laws                                                      **
         99   Certification

----------
**  previously filed with the Company's Form 10-SB 12G dated May 10, 2000.
*** previously filed with the Company's Form 10-KSB dated December 28, 2000.

     (b) Reports on Form 8-K

     There were no reports  on Form 8-K filed by the  Company  during the fiscal
quarter ended March 31, 2003.

                                        9
<PAGE>
                                   SIGNATURES


     In accordance  with the  requirements  of the Exchange Act, the  registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.


                                          CREATIVE VISTAS, INC.


                                          By: /s/ Rudy R. Miller
                                              ----------------------------------
                                              Rudy R. Miller, President

Dated: May 12, 2003

                                       10
<PAGE>
                CERTIFICATION OF THE PRINCIPAL EXECUTIVE OFFICER
                     PURSUANT TO 15 U.S.C. 78m(a) OR 78o(d)
                 (SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002)

     I, Rudy R. Miller, the President of Creative Vistas,  Inc. (the "Company"),
certify that:

(1)  I have reviewed this quarterly report on Form 10QSB of the Company;

(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  Company  as of,  and  for,  the  periods  presented  in this
     quarterly report;

(4)  This  Company'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 Company and we have:

     (a)  designed  such  disclosure  controls  and  procedures  to ensure  that
          material information relating to the Company,  including  consolidated
          subsidiaries,  if any,  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 Company'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 Company's other certifying officers and I have disclosed,  based on our
     most recent  evaluation,  to the Company's auditors and the audit committee
     of the Company's  board of directors (or persons  performing the equivalent
     function):

     (a)  all  significant  deficiencies  in the design or operation of internal
          controls which could adversely affect the Company's ability to record,
          process,  summarize and report  financial data and have identified for
          the Company'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  Company's  internal
          controls; and

(6)  The  Company'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.

/s/ Rudy R. Miller
-------------------------------
President
Creative Vistas, Inc.
May 12, 2003

                                       11
<PAGE>
                CERTIFICATION OF THE PRINCIPAL FINANCIAL OFFICER
                     PURSUANT TO 15 U.S.C. 78m(a) OR 78o(d)
                 (SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002)

     I, Mary A. Nance, the Treasurer of Creative  Vistas,  Inc. (the "Company"),
certify that:

(1)  I have reviewed this quarterly report on Form 10QSB of the Company;

(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  Company  as of,  and  for,  the  periods  presented  in this
     quarterly report;

(4)  This  Company'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 Company and we have:

     (a)  designed  such  disclosure  controls  and  procedures  to ensure  that
          material information relating to the Company,  including  consolidated
          subsidiaries,  if any,  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 Company'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 Company's other certifying officers and I have disclosed,  based on our
     most recent  evaluation,  to the Company's auditors and the audit committee
     of the Company's  board of directors (or persons  performing the equivalent
     function):

     (a)  all  significant  deficiencies  in the design or operation of internal
          controls which could adversely affect the Company's ability to record,
          process,  summarize and report  financial data and have identified for
          the Company'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  Company's  internal
          controls; and

(6)  The  Company'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.

/s/ Mary A. Nance
----------------------------
Treasurer
Creative Vistas, Inc.
May 12, 2003

                                       12