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EXHIBIT 99.3

CERTIFICATION BY PRINCIPAL EXECUTIVE
OFFICERS

I, Mathew McNeally, Chief Executive Officer, I,
John Forbes, Chief Financial Officer of  Financial Ventures, Inc., a Florida corporation (the Registrant),
certify that:



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| | 1. We have reviewed this quarterly report on
    Form 10-QSB for the fiscal year ended December 30, 2002, of the Registrant (the Report).                                                                                                                                                                                     
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| | 2. Based on our knowledge, the 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 the
    Report.
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| | 3. Based on our knowledge, the financial
    statements, and other financial information included in the
    Report, fairly present in all material respects the financial
    condition, results of operations and cash flows of the
    Registrant as of, and for, the periods presented in the Report.                       
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| | We are responsible for establishing and
    maintaining disclosure controls and procedures (as defined in
    Exchange Act Rules 13a-14 and 15d-14) for the Registrant
    and we have:                                                                                                                                         



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| | a) designed such disclosure controls and
    procedures to ensure that material information relating to the
    Registrant, including its consolidated subsidiaries, is made
    known to us by others within those entities, particularly during
    the period in which the Report is being prepared;
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| | b) evaluated the effectiveness of the
    Registrants disclosure controls and procedures as of the
    date within 90 days prior to the filing date of the Report (the
    Evaluation Date); and                                                                                                    
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| | c) presented in the Report our conclusions
    about the effectiveness of the disclosure controls and
    procedures based on our evaluation as of the Evaluation Date.                                                                                                                                



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| | We have disclosed, based on our most recent
    evaluation, to the Registrants auditors and the Audit
    Committee of the Registrants Board of Directors:



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| | a) all significant deficiencies in the
    design or operation of internal controls which could adversely
    affect the Registrants ability to record, process,
    summarize and report financial data and have identified for the
    Registrants auditors any material weaknesses in internal
    controls; and
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| | b) any fraud, whether or not material, that
    involves management or other employees who have a significant
    role in the Registrants internal control.                                                                                                                                                         



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| | We have indicated in the 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.

Date: February 5, 2003

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|By: /s/ Mathew McNeallyMathew McNeally
    Chief Executive Officer |  | By: /s/ John Forbes John Forbes
    Chief Financial Officer