<PAGE>


                UNITED STATES SECURITIES AND EXCHANGE COMMISSION

                              WASHINGTON, DC 20549

                                   FORM 10-QSB



(MARK ONE)

[X]  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
     OF 1934 FOR THE QUARTERLY PERIOD ENDED FEBRUARY 28, 2001

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT FOR THE
     TRANSITION PERIOD FROM               TO
                            ------------    ---------------


                         COMMISSION FILE NUMBER 0-12551

                      CREATIVE COMPUTER APPLICATIONS, INC.
-------------------------------------------------------------------------------
        (EXACT NAME OF SMALL BUSINESS ISSUER AS SPECIFIED IN ITS CHARTER)

          CALIFORNIA                                    95-3353465
-------------------------------              ----------------------------------
(STATE OR OTHER JURISDICTION OF                    (I.R.S. EMPLOYER
 INCORPORATION OR ORGANIZATION)                   IDENTIFICATION NO.)


                26115-A MUREAU ROAD, CALABASAS, CALIFORNIA 91302
                ------------------------------------------------
                    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)

                                 (818) 880-6700
                           --------------------------
                           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
                               -----     -----

     State the number of shares outstanding of each of the issuer's classes of
common equity, as of the latest practicable date: 3,185,325 common shares as of
March 15, 2001.

     Transitional Small Business Disclosure Format (check one):

                            Yes        No  X
                               -----     -----


<PAGE>


                      CREATIVE COMPUTER APPLICATIONS, INC.


                                   FORM 10-QSB

                                    I N D E X

<TABLE>
<CAPTION>

PART I - FINANCIAL INFORMATION:                                                                                          PAGE
<S>                                                                                                                      <C>
Condensed Balance Sheets at February 28, 2001 and August 31, 2000                                                          3

Condensed Statements of Operations for the three months ended February 28, 2001 and February 29, 2000                      4

Condensed Statements of Operations for the six months ended February 28, 2001 and February 29, 2000                        5

Condensed Statements of Cash Flows for the six months ended February 28, 2001 and February 29, 2000                        6

Notes to Condensed Financial Statements                                                                                    7

Management's Discussion and Analysis of Results of Operations and Financial Condition                                      7


PART II - OTHER INFORMATION:

Items 1 through 6                                                                                                         10

Signatures                                                                                                                10

</TABLE>


                                       2




<PAGE>


                      CREATIVE COMPUTER APPLICATIONS, INC.

                         PART 1 - FINANCIAL INFORMATION

                            CONDENSED BALANCE SHEETS

<TABLE>
<CAPTION>
                                                                 FEBRUARY 28,    AUGUST 31,
                                                                     2001          2000*
                                                                 -----------    -----------
                                                                 (UNAUDITED)
                                         ASSETS

CURRENT ASSETS:
<S>                                                              <C>            <C>
     Cash                                                        $   536,445    $   618,063
     Receivables, net                                              1,400,783      1,230,184
     Inventories                                                     279,884        267,796
     Prepaid expenses and other assets                               129,563        126,633
     Deferred tax asset                                              639,500        639,500
                                                                 -----------    -----------

         TOTAL CURRENT ASSETS                                      2,986,175      2,882,176

PROPERTY AND EQUIPMENT, net                                          460,854        558,451
INVENTORY OF COMPONENT PARTS                                         365,631        395,631
CAPITALIZED SOFTWARE COSTS, net of accumulated
     amortization of $940,470 and $744,351                         1,306,349      1,310,468
INTANGIBLES, net                                                     137,640        170,536
DEFERRED TAX ASSET                                                   591,000        591,000
OTHER ASSETS                                                           4,709          7,601
                                                                 -----------    -----------

         TOTAL ASSETS                                            $ 5,852,358    $ 5,915,863
                                                                 ===========    ===========

                          LIABILITIES AND SHAREHOLDERS' EQUITY

CURRENT LIABILITIES:
     Notes payable to bank                                       $   250,000    $   140,000
     Accounts payable                                                273,640        211,136
     Accrued liabilities:
         Vacation pay                                                195,300        184,821
         Other                                                       225,883        251,697
     Deferred service contract income                                920,812        844,926
     Deferred revenue                                                789,129        390,973
                                                                 -----------    -----------

                  TOTAL CURRENT LIABILITIES                        2,654,764      2,023,553

CAPITAL LEASE                                                         57,236             --
                                                                 -----------    -----------

                  TOTAL LIABILITIES                                2,712,000      2,023,553

SHAREHOLDERS' EQUITY:
         Common shares, no par value; 20,000,000 shares
         authorized; 3,173,575 and 3,173,575 shares
         outstanding                                               6,092,144      6,092,144
     Accumulated deficit                                          (2,951,786)    (2,199,834)
                                                                 -----------    -----------

                  TOTAL SHAREHOLDERS' EQUITY                       3,140,358      3,892,310
                                                                 -----------    -----------


                  TOTAL LIABLITIES AND SHAREHOLDERS' EQUITY      $ 5,852,358    $ 5,915,863
                                                                 ===========    ===========
</TABLE>


                       SEE NOTES TO FINANCIAL STATEMENTS.


* AS PRESENTED IN THE AUDITED FINANCIAL STATEMENTS


                                       3

<PAGE>

                      CREATIVE COMPUTER APPLICATIONS, INC.

                       CONDENSED STATEMENTS OF OPERATIONS


<TABLE>
<CAPTION>
                                             THREE MONTHS ENDED FEBRUARY 28 & 29
                                                 2001                   2000
                                             -----------            -----------
                                                         (UNAUDITED)

NET SYSTEM SALES AND SERVICE REVENUE
<S>                                          <C>                    <C>
     System sales                            $   364,179            $ 1,318,252
     Service revenue                             920,711                742,783
                                             -----------            -----------
                                               1,284,890              2,061,035

COST OF PRODUCTS AND SERVICES SOLD
     System sales                                415,521                685,815
     Service revenue                             391,486                444,982
                                             -----------            -----------
                                                 807,007              1,130,797

     Gross profit                                477,883                930,238

OPERATING EXPENSES:
     Selling, general and administrative         591,678                722,729

     Research and development                    217,674                194,152
                                             -----------            -----------

                                                 809,352                916,881
                                             -----------            -----------

     Operating income (loss)                    (331,469)                13,357

INTEREST AND OTHER INCOME                          8,568                  7,471

INTEREST EXPENSE                                  (7,602)                (3,051)
                                             -----------            -----------


     Income (loss) before taxes on income    $  (330,503)                17,777

INCOME TAX PROVISION                                --                   (8,000)
                                             -----------            -----------

NET INCOME (LOSS)                            $  (330,503)          $     9,777
                                             ===========           ===========


EARNINGS (LOSS) PER COMMON SHARE (Note 2):

     Basic                                   $      (.10)           $       .00
     Diluted                                        (.10)                   .00
                                             ===========            ===========

WEIGHTED AVERAGE NUMBER OF SHARES
     OUTSTANDING

     Basic                                     3,173,575              3,135,758
     Diluted                                   3,173,575              3,534,175
                                             ===========            ===========
</TABLE>


                       SEE NOTES TO FINANCIAL STATEMENTS.


                                       4

<PAGE>

                      CREATIVE COMPUTER APPLICATIONS, INC.

                       CONDENSED STATEMENTS OF OPERATIONS


<TABLE>
<CAPTION>
                                              SIX MONTHS ENDED FEBRUARY 28 & 29
                                                 2001                    2000
                                             -----------             -----------
                                                         (UNAUDITED)

NET SYSTEM SALES AND SERVICE REVENUE
<S>                                          <C>                     <C>
     System sales                            $   679,542             $ 3,114,592
     Service revenue                           1,828,792               1,452,630
                                             -----------             -----------
                                               2,508,334               4,567,222

COST OF PRODUCTS AND SERVICES SOLD
     System sales                                797,844               1,606,854
     Service revenue                             832,015                 866,153
                                             -----------             -----------
                                               1,629,859               2,473,007

     Gross profit                                878,475               2,094,215

OPERATING EXPENSES:
     Selling, general and administrative       1,213,246               1,401,155

     Research and development                    421,814                 386,149
                                             -----------             -----------

                                               1,635,060               1,787,304
                                             -----------             -----------

     Operating income (loss)                    (756,585)                306,911

INTEREST AND OTHER INCOME                         16,961                  10,369

INTEREST EXPENSE                                 (12,328)                 (8,171)
                                             -----------             -----------

     Income (loss) before taxes on income       (751,952)                309,109

INCOME TAX PROVISION                                --                  (142,000)
                                             -----------             -----------

NET INCOME (LOSS)                            $  (751,952)            $   167,109
                                             ===========             ===========

EARNINGS (LOSS) PER COMMON SHARE (Note 2):
     Basic                                   $      (.24)            $       .05
     Diluted                                        (.24)                    .05
                                             ===========             ===========

WEIGHTED AVERAGE NUMBER OF SHARES
     OUTSTANDING

     Basic                                     3,173,575               3,129,342
     Diluted                                   3,173,575               3,525,864
                                             ===========             ===========
</TABLE>


                       SEE NOTES TO FINANCIAL STATEMENTS.


                                       5


<PAGE>


                      CREATIVE COMPUTER APPLICATIONS, INC.

                       CONDENSED STATEMENTS OF CASH FLOWS

                           INCREASE (DECREASE) IN CASH


<TABLE>
<CAPTION>
                                                                   SIX MONTHS ENDED FEBRUARY 28 & 29
                                                                     2001                    2000
                                                                   ---------               ---------
                                                                              (UNAUDITED)

OPERATING ACTIVITIES:
<S>                                                                <C>                     <C>
     Net income (loss)                                             $(751,952)              $ 167,109
     Adjustments to reconcile net income (loss)
         to net cash provided by (used in) operating activities:
              Depreciation and amortization                          360,739                 338,189
              Provision for doubtful accounts                         14,004                  20,992
              Deferred taxes                                            --                   142,000
     Changes in operating assets and liabilities:
              Receivables                                           (184,603)                311,510
              Inventories                                             17,912                   5,512
              Prepaid expenses and other assets                          (38)                (33,006)
              Accounts payable                                        62,504                 (12,439)
              Accrued liabilities                                    458,707                (582,498)
                                                                   ---------               ---------

         Net cash provided by (used in)
              operating activities                                   (22,727)                357,369
                                                                   ---------               ---------

INVESTING ACTIVITIES
     Additions to property and equipment                             (34,127)               (117,028)
     Capitalized software costs                                     (192,000)               (194,820)
                                                                   ---------               ---------

         Net cash used in investing
              activities                                            (226,127)               (311,848)
                                                                   ---------               ---------

FINANCING ACTIVITIES:
     Additions to notes payable                                      150,000                 100,000
     Payments on notes payable                                       (40,000)               (187,488)
     Increase in capital lease obligations                            68,251                      --
     Payments on capital lease obligations                           (11,015)                     --
     Proceeds from exercise of stock options                               0                  40,500
                                                                   ---------               ---------

     Net cash provided by (used in) financing activities             167,236                 (46,988)
                                                                   ---------               ---------

NET DECREASE IN CASH                                                 (81,618)                 (1,467)

Cash, beginning of period                                            618,063                 650,271
                                                                   ---------               ---------

Cash, end of period                                                $ 536,445               $ 648,804
                                                                   =========               =========
</TABLE>


                       SEE NOTES TO FINANCIAL STATEMENTS.


                                       6

<PAGE>

                      CREATIVE COMPUTER APPLICATIONS, INC.

                     NOTES TO CONDENSED FINANCIAL STATEMENTS

NOTE 1.  In the opinion of management, the accompanying unaudited condensed
         financial statements reflect all adjustments (which include only
         normal recurring accruals) necessary to present fairly the Company's
         financial position as of February 28, 2001, the results of its
         operations for the three months and six months ended February 28, 2001
         and February 29, 2000, and cash flows for the six months ended
         February 28, 2001 and February 29, 2000. These results have been
         determined on the basis of generally accepted accounting principles
         and practices applied consistently with those used in preparation of
         the Company's Annual Report on Form 10-KSB for the fiscal year ended
         August 31, 2000.

         The results of operations for the three months and six months ended
         February 28, 2001 are not necessarily indicative of the results
         expected for any other period or for the entire year.

NOTE 2.  The Company  accounts for its earnings per share in accordance with
         SFAS No.128, which requires presentation of basic and diluted earnings
         per share. Basic earnings per share is computed by dividing income or
         loss available to common shareholders by the weighted average number
         of common shares outstanding for the reporting period. Diluted
         earnings per share reflect the potential dilution that could occur if
         securities or other contracts, such as stock options, to issue common
         stock were exercised or converted into common stock. For the three
         months and six months ended February 28, 2001, the Company did not
         include any potential diluted securities, as inclusion would be
         anti-dilutive.

NOTE 3.  The Company adopted Staff  Accounting  Bulletin 101,  "Revenue
         Recognition", ("SAB 101"). SAB 101 provides interpretive guidance on
         the recognition, presentation and disclosure of revenue in financial
         statements. The Company accounts for its software revenue recognition
         in accordance with Statement of Position 97-2, "Software Revenue
         Recognition", ("SOP 97-2"). SOP 97-2 requires companies to recognize
         revenue when (i) persuasive evidence of an arrangement exists, (ii)
         delivery has occurred, (iii) the vendor's fee is fixed and
         determinable, and (iv) collectability is probable. The SOP also
         requires companies to allocate the fee on a multiple element contract
         between the various elements based on vendor-specific objective
         evidence of fair value. SAB 101 expands on the issues not explicitly
         covered in the SOP. The Company elected early adoption of SAB 101 for
         the current fiscal year beginning September 1, 2000. Pursuant to the
         adoption of SAB 101 the Company estimates that the recognition of
         revenue from the sale of hardware and software associated with the
         Company's Clinical Information Systems will be extended by
         approximately ninety to one hundred and eighty days. As a result of
         the adoption of SAB 101 and delayed implementations, deferred revenue
         increased by $398,156 for the six months ended February 28, 2001.

NOTE 4.  The Company renewed its line of credit with its bank on April 10, 2001.
         The new line provides for $500,000 on a revolving basis through
         February 1, 2002, and contains certain loan covenants and financial
         ratio requirements. On February 28, 2001, the total amount due to the
         bank was $250,000. The Company was not in compliance with some of the
         covenants and financial ratios required by its bank as of February 28,
         2001, but had obtained a waiver.


ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF RESULTS OF OPERATIONS AND
        FINANCIAL CONDITION


     This following section of the report contains forward-looking statements
within the meaning of the Private Securities Litigation Reform Act of 1995. Such
forward-looking statements involve risks and uncertainties so that the actual
results may vary materially.

     The Company continued to experience decreasing sales, which began in fiscal
2000. Management believes that this decrease is primarily attributable to an
industry wide slump related to post Y2K issues, the Balanced Budget Act,
concerns about the pending regulations associated with the Health Insurance
Portability and Accountability Act (HIPAA), and effects of SAB 101, discussed
below. The Company initiated staffing and other expense cuts in order to
mitigate its operating losses when it started to experience a downturn in sales
in fiscal 2000. The Company remains cautious and continues to keep a tight reign
on staffing and other expenses in response to the current industry conditions
and may make other expense reductions to further mitigate its operating losses.


                                       7

<PAGE>

                      CREATIVE COMPUTER APPLICATIONS, INC.

     The Company continues its product development programs in order to expand
the depth of functionality of its products, as well as to address pending HIPAA
compliance issues. The published provisions of HIPPA require patient
confidentiality for all health care related information, and apply to any entity
storing and/or transmitting patient identifiable information on electronic
media, as well as paper records. Such provisions may require additional audit
trails and tiered/structured password security when accessing patient data.
Certain safeguards will be required to accurately insure the security of patient
data that exceed the safeguards that may be currently embedded in the
application software and equipment provided and serviced by the Company. The
Company warrants that it will provide the modifications to its application
software that will assist its clients in adhering to applicable HIPPA
regulations.

     Since its inception, the Company has provided enterprise systems consisting
of its application software, servers, and other computer hardware components
that it sells to end users. Beginning in the first fiscal quarter ended November
30, 1999, the Company began to develop an application service provider (ASP)
activity in its wholly owned subsidiary Xymed.com. The ASP intends to offer the
Company's proprietary application software to clients on a monthly subscription
basis. Xymed.com will also provide the servers that host the application
software, as well the Company's data center services and application software
support. The Company has invested considerable resources in developing its ASP
offering, and intends to make further investment before it begins operations.
Due to technical and HIPAA related issues, the project has taken longer to
complete than was originally projected. Until Xymed.com begins basic operations,
the Company continues to incur additional startup expenses with no revenues to
offset such expenses. These costs will continue to have a negative impact on
results of operation until revenues are generated.

     As discussed in Note 3, in December 1999, the Securities and Exchange
Commission (SEC) released Staff Accounting Bulletin No. 101, "Revenue
Recognition in Financial Statements" (SAB 101) which has since been revised
twice and the implementation date of which has been extended twice. SAB 101
provides interpretive guidance on the recognition, presentation, and disclosure
of revenue in the financial statements. SAB 101 must be applied to financial
statements no later than the fourth quarter of fiscal years beginning after
December 15, 1999. The Company stated in its audited financial statements for
the fiscal year ending August 31, 2000, that it believed the effect of SAB 101
would not have a material effect in the Company's financial results. However,
since that time, more recently published documents from the SEC have provided
additional guidance that has lead management to determine that SAB 101 will have
a material effect on the financial statements for at least a couple of quarters.
Accordingly, the Company elected early adoption of SAB 101 for the first fiscal
quarter beginning September 1, 2000. At this time management believes the impact
of SAB 101 will be timing issues related to the recognition of revenue from the
sale of hardware and license of application software that will move the time of
revenue recognition out approximately ninety to one hundred and eighty days.

                              RESULTS OF OPERATIONS

     Sales for the second quarter of fiscal 2001 ended February 28, 2001
decreased by $776,145 or 38% compared to the same quarter of fiscal 2000. For
the six-month period ended February 28, 2001, sales decreased $2,058,888 or
45% compared to the same period in fiscal 2000. The Company has experienced a
decrease in sales of Clinical Information Systems (CIS) products, which began
in fiscal 2000. Management believes that the general decrease is attributable
to post Y2K issues, the Balanced Budget Act, concerns about pending
regulations associated with HIPAA discussed above and the adoption of SAB
101. As a result of the adoption of SAB 101 the Company deferred revenues
attributable to CIS transactions of approximately $400,000 and $900,000
respectively from the current quarter and six-month period to subsequent
periods.

     When analyzed by product category, for the quarter and six-month periods,
sales of CIS products decreased $992,768 or 84% and $2,466,053 or 88%
respectively, sales of data acquisition products increased $38,696 or 27% and
$31,003 or 10% respectively, and service revenues increased $177,927 or 24% and
$376,162 or 26% respectively. The decrease in revenues associated with the
Company's CIS products was primarily attributable to the general market
conditions discussed above and the effect of adoption of SAB 101. The increase
in the sale of data acquisition products is primarily attributable to a greater
number of units shipped to OEM customers. The increase in service revenues was
attributable to a greater number of customer sites on contract and higher
average revenues per account.

     Cost of sales for the second quarter and six-month period ended February
28, 2001 decreased by $323,790 or 29% and $843,148 or 34% respectively as
compared to the same quarter of fiscal 2000. For the quarter and six-month
period the decrease in cost of sales was attributable to a decrease in material
costs of $138,520 or 71% and $482,581 or 85% respectively, a decrease in labor
costs of $122,410 or 24% and $186,641 or 18% respectively, and a decrease in
other costs of $62,860 or 15% and $173,926 or 20%. The decrease in material
costs was primarily attributable to a decrease in CIS sales during the period.
For the current quarter and the six-month period ended February 28, 2001, cost


                                       9

<PAGE>


                      CREATIVE COMPUTER APPLICATIONS, INC.

of sales as a percentage of sales increased to 63% from 55% and increased to 65%
from 54%, respectively. This increase was primarily attributable to decreased
revenues recognized, fixed labor costs and the inclusion of startup expenses for
the Company's ASP activities. Due to this increase in cost of sales, the Company
experienced a decrease in gross margin.

     Selling and administration expenses decreased by $131,051 or 18% and
$187,909 or 13% in comparing the current quarter and six months ended February
28, 2001 with the same periods of fiscal 2000. The decrease was primarily
attributable to the Company's efforts to reduce costs in response to market
conditions.

     Research and Development expense increased $23,552 or 12% and $35,665 or 9%
for the current quarter and six months ended February 28, 2001 compared to the
same periods of fiscal 2000. The increases are attributable to the Company's new
product development activities. The Company continues to expend considerable
resources on new product development and product enhancements, much of which is
associated with HIPAA compliance issues.

     As a result of the aggregate factors discussed above, the Company has
incurred a net loss of $330,503 or basic and diluted loss per share of $0.10 and
$751,952 or basic and diluted loss per share pf $0.24 for the current quarter
and six-month period ending February 28, 2001 compared to net income of $9,777
or basic and diluted net income per share of $0.00 and $167,109 or basic and
diluted net income per share of $0.05 in the comparable quarter and six-month
period one year ago.


                         CAPITAL RESOURCES AND LIQUIDITY

     As of February 28, 2001, the Company's working capital amounted to $331,411
compared to $858,623 at August 31, 2000. The ratio of the Company's current
assets to current liabilities was approximately 1.1 to 1 at February 28, 2001
compared to 1.4 to 1 at August 31, 2000.

     The Company's renewed its line of credit with its bank on April 10, 2001.
The new line provides for $500,000 on a revolving basis through February 1,
2002, and contains certain loan covenants and financial ratio requirements. On
February 28, 2001, the total amount due the bank was $250,000. The Company was
not in compliance with some of the covenants and financial ratios required by
its bank as of February 28, 2001, but had obtained a waiver.

     The Company believes that its cash flow from operations together with its
bank credit facilities should be sufficient to fund its working capital
requirements for the next 12 months.

                   SEASONALITY, INFLATION AND INDUSTRY TRENDS

     The Company sales are generally lower in the summer and higher in the
fall and winter. Inflation has had no material effect on the Company business
since the Company has been able to adjust the prices of its products and
services. Management believes that most phases of the healthcare segment of
the computer industry will continue to be highly competitive and that
potential healthcare reforms including those promulgated by HIPAA may have a
long-term positive impact on its business. In addition, management believes
that the industry will be marked with more significant technological
advances, which will improve the quality of service and reduce costs. The
Company is poised to meet these challenges by continuing to employ new
technologies when they become available, diversifying its product offerings,
improving and expanding its services, and by constantly enhancing its
software applications.

<PAGE>

                      CREATIVE COMPUTER APPLICATIONS, INC.

                           PART II - OTHER INFORMATION


Items 1 through 3.  NOT APPLICABLE

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


         (a)      The Company held an Annual Meeting of Shareholders on
                  February 26, 2001.

         (b)      The following Directors, all of whom were incumbents, were
                  reelected to the five member Board at the February 26, 2001
                  meeting:

<TABLE>
<CAPTION>
                                                       FOR                    WITHHELD

         <S>                                         <C>                       <C>
         Bruce M. Miller                             2,775,157                 28,800
         Steven M. Besbeck                           2,775,337                 28,620
         James R. Helms                              2,775,157                 28,800
         Lawrence S. Schmid                          2,775,157                 28,800
         Robert S. Fogerson, Jr.                     2,775,337                 28,620

</TABLE>

         (c)      The only matter voted upon at the February 26, 2001 Annual
                  Meeting was the ratification of BDO Seidman, LLP as the
                  Company's auditors for the fiscal year ending August 31, 2001
                  by a vote of 2,773,597 for, 11,940 against, 18,420
                  abstaining , and 0 non-votes.

         (d)      Not applicable.


Item 5.  NOT APPLICABLE

Item 6.  EXHIBITS AND REPORTS ON FORMS 8-K

         (a)      Exhibit 11 - Statement re: computation of per share earnings.

         (b)      There were no reports filed on Form 8-K during the quarter
                  ended February 28, 2001.



                                   SIGNATURES


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


CREATIVE COMPUTER APPLICATIONS, INC.
------------------------------------
(Company)



DATE:    APRIL 13, 2001                     /S/  STEVEN M. BESBECK
         ---------------                ---------------------------------------
                                        Steven. M. Besbeck, President
                                        Chief Executive Officer, Chief
                                        Financial Officer



DATE:    APRIL 13, 2001                     /S/  ANA VILLAFANE
         ---------------                ---------------------------------------
                                        Ana Villafane
                                        Controller and Chief Accounting Officer


                                       10