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: December 31, 2002

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

    For the Transition 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.)


          4909 EAST MCDOWELL ROAD, SUITE 100, PHOENIX, ARIZONA 85008-4293
                    (Address of principal executive offices)


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

Check  whether  the  registrant  (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 February 5, 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>
                              CREATIVE VISTAS, INC.
                         Unaudited Financial Statements
             As of and For the Three Months Ended December 31, 2002

PART I. FINANCIAL INFORMATION.

     Item 1. Financial Statements

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

        Statements of Operations for the three months ended
        December 31, 2002 and 2001 ..........................................  4

        Statements of Shareholders' Equity for the three months ended
        December 31, 2002 (unaudited)........................................  5

        Statements of Cash Flows for the three months ended
        December 31, 2002 and 2001 (unaudited)...............................  6

        Notes to Financial Statements (unaudited)............................  7

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

     Item 4. 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


                                          December 31, 2002   September 30, 2002
                                          -----------------   ------------------
                                             (Unaudited)
Assets

Current Assets
 Cash and Cash Equivalents                    $    798             $  3,486
                                              --------             --------

       Total Assets                           $    798             $  3,486
                                              --------             --------

Liabilities and Shareholders' Equity

Current Liabilities
 Accounts Payable                             $  1,320             $  1,039
 Notes Payable- Related Entities                 6,850                6,850
                                              --------             --------

       Total Liabilities                      $  8,170             $  7,889
                                              ========             ========

Shareholders' Equity (Deficit):
 Preferred stock - no par value; 50,000,000
  Shares authorized, none issued or
  Outstanding                                       --                   --
 Common stock, no par value; 100,000,000
  shares authorized, 10,000,000
  issued and outstanding                      $ 61,653             $ 61,653
 Accumulated deficit                           (69,025)             (66,056)
                                              --------             --------
       Total Shareholders' Equity               (7,372)              (4,403)
                                              --------             --------
       Total Liabilities and Shareholders'
        Equity                                $    798             $  3,486
                                              ========             ========

                                       3
<PAGE>
                              CREATIVE VISTAS, INC.

                            STATEMENTS OF OPERATIONS
              For the Three Months Ended December 31, 2002 and 2001
                                   (Unaudited)


                                                      Three Months Ended
                                                          December 31,
                                                -------------------------------
                                                    2002                2001
                                                -----------         -----------

Revenue                                         $        --         $        --
                                                -----------         -----------
Expenses
  Postage                                               158                  --
  Printing                                               --                 173
  Legal                                                  --              22,500
  Accounting                                          1,200               3,229
  Fees                                                1,585                 119
  Miscellaneous                                          26                  70
                                                -----------         -----------

       Total Expenses                                 2,969              26,091

Net Loss                                        $    (2,969)        $   (26,091)
                                                ===========         ===========

Basic Loss per common share                     $     (0.00)        $     (0.03)
                                                ===========         ===========
Weighted average number of common shares
 outstanding                                     10,000,000           1,000,000
                                                ===========         ===========

                                       4
<PAGE>
                              CREATIVE VISTAS, INC.

                        STATEMENT OF STOCKHOLDERS' EQUITY

<TABLE>
<CAPTION>
                                                  Common Stock      Additional                    Total
                                               ------------------    paid-in     Accumulated   Stockholders'
                                               Shares      Amount    capital       Deficit        Equity
                                               ------      ------    -------       -------        ------
<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 three month period ended
December 31, 2002 (Unaudited)                        --    $   --    $   --       $ (2,969)      $ (2,969)
                                             ----------    ------    -------      --------       --------

Balance at December 31, 2002 (Unaudited)     10,000,000   $61,653    $    --      $(69,025)      $ (7,372)
                                             ==========    ======    =======      ========       ========
</TABLE>

                                       5
<PAGE>
                              CREATIVE VISTAS, INC.

                            STATEMENTS OF CASH FLOWS
                                   (Unaudited)

                                                          For the Three Months
                                                           Ended December 31,
                                                         ----------------------
                                                            2002          2001
                                                            ----          ----
Cash Flows from Operating Activities:
  Net Loss                                                $(2,969)     $(26,091)
                                                          -------       -------
Adjustments to Reconcile Net Loss to Net
 Cash Used by Operating Activities:
   Increase in Accounts Payable                               281         3,403
                                                          -------       -------

       Net Cash Used in Operating Activities               (2,688)      (22,688)
                                                          -------       -------

Increase (Decrease) in Cash and Cash Equivalents:

Cash Flows from Financing Activities:
 Notes from related entities                                   --        22,500
                                                          -------       -------

       Net cash provided by financing activities               --        22,500
                                                          -------       -------
Net increase (decrease) in cash and cash equivalents       (2,688)         (188)

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

Cash and cash equivalents at end of period                $   798       $   903
                                                          =======       =======

Supplemental Information

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

                                       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 consolidated  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  three-month  period ended  December 31, 2002 are not
necessarily  indicative  of the results that may be expected for the year ending
September 30, 2003.

     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. 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  December  31,  2002,  general  and
administrative  expenses  decreased  to $2,969 from  $26,091 for the  comparable
period  ended  December  31,  2001.  The  decrease  was  primarily  due  to  the
elimination of legal fees during the current 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  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

         1.1  Plan of Reorganization                                  ***
         1.2  Amended Order Confirming the Plan of Reorganization     ***
         3.1  Articles                                                **
         3.2  By-Laws                                                 **

----------
**   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
     quarter.

                                       9
<PAGE>
                                   SIGNATURES


     In accordance with the requirements of the Securities Exchange Act of 1934,
the  registrant  has  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: February 7, 2002

                                       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 10-QSB 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.
February 7, 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 10-QSB 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.
February 7, 2003

                                       12
<PAGE>
                                  CERTIFICATION
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
        (SUBSECTIONS (a) AND (b) OF SECTION 1350, CHAPTER 63 OF TITLE 18,
                               UNITED STATES CODE)

Pursuant to section 906 of the  Sarbanes-Oxley  Act of 2002 (subsections (a) and
(b) of section 1350,  chapter 63 of Title 18,  United States Code),  each of the
undersigned  officers of Creative  Vistas,  Inc.,  an Arizona  corporation  (the
"Company"),  does hereby  certify  with respect to the  Quarterly  Report of the
Company on Form 10-QSB for the quarter ended December 31, 2002 as filed with the
Securities and Exchange Commission (the "10QSB Report") that:

     (1)  the 10-QSB Report fully complies with the  requirements  of section 13
          (a) or 15 (d) of the Securities Exchange Act of 1934; and

     (2)  the information contained in the 10-QSB Report fairly presents, in all
          material respects,  the financial  condition and results of operations
          of the Company.

Dated: February 7, 2002


/s/ Rudy R. Miller
--------------------------
President


Dated: February 7, 2002


/s/ Mary A. Nance
--------------------------
Treasurer

                                       13