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


                                   FORM 10-QSB


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

 For the Quarter Ended September 30, 2000         Commission File No. 33-67766-A


                          EMAGISOFT TECHNOLOGIES, INC.
                          ----------------------------
             (Exact name of registrant as specified in its charter)


            Florida                                        65-0422273
            -------                                        ----------
     State or other jurisdiction                           (I.R.S. Employer
    incorporation or organization                        Identification No.)


                          405 Central Avenue, 2nd Floor
                          St. Petersburg, Florida 33701
                        --------------------------------
               (Address of principal executive offices) (Zip Code)


                                 (727) 898-0688
                                 --------------
                         (Registrant's telephone number,
                              including area code)

                                      None

                             -----------------------
                            (Former name and address)

         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 September 30, 2000: 13,031,000 shares of common stock were outstanding.

Transitional  Small  Business  Disclosure  Format  (Check  one):  Yes [ ] No [X]





































                         PART I - FINANCIAL INFORMATION
                         ------------------------------



ITEM  1.                    FINANCIAL  STATEMENTS
--------                    ---------------------
                      Emagisoft Technologies - Consolidated
                                 Balance Sheets
<TABLE>
<CAPTION>

<S>                                             <C>           <C>
ASSETS                                            9/30/2000    12/31/1999
------                                                          (audited)
                                                ------------  -----------
CURRENT ASSETS:
Cash . . . . . . . . . . . . . . . . . . . . .  $   644,630   $   995,236
Cash in escrow . . . . . . . . . . . . . . . .            -        80,000
Accounts receivable  . . . . . . . . . . . . .       11,486        38,694
Due from shareholder . . . . . . . . . . . . .            0         7,611
Prepaid Expenses . . . . . . . . . . . . . . .      107,585        65,883
                                                ------------  -----------
Total current assets . . . . . . . . . . . . .      763,701     1,187,424

PROPERTY AND EQUIPMENT:
Furniture and fixtures . . . . . . . . . . . .       85,274        75,376
Computer equipment . . . . . . . . . . . . . .      593,366       461,747
Leasehold Improvements . . . . . . . . . . . .        6,655         3,323
Software . . . . . . . . . . . . . . . . . . .       62,523        54,946
                                                ------------  -----------
                                                    747,818       595,392
Less: Accumulated depreciation . . . . . . . .     (316,215)     (202,887)
                                                ------------  -----------
Property and equipment, net. . . . . . . . . .      431,603       392,505
                                                ------------  -----------

OTHER ASSETS:
Software development costs . . . . . . . . . .      955,641       226,954
Goodwill, net of accumulated amortization. . .      146,887       175,625
Other. . . . . . . . . . . . . . . . . . . . .       34,887         4,225
                                                ------------  -----------
Total other assets . . . . . . . . . . . . . .    1,137,415       406,804
                                                ------------  -----------
Total assets . . . . . . . . . . . . . . . . .  $ 2,332,719   $ 1,986,733
                                                ============  ===========


LIABILITIES AND STOCKHOLDERS' EQUITY
----------------------------------------------

CURRENT LIABILITIES:
Accounts payable . . . . . . . . . . . . . . .  $     9,493   $    73,546
Accrued liabilities. . . . . . . . . . . . . .      328,714       248,893
Billings in excess of costs. . . . . . . . . .       32,629         4,908
                                                ------------  -----------
Total current liabilities. . . . . . . . . . .      370,836       327,347

LONG-TERM LIABILITIES
Convertible notes payable. . . . . . . . . . .    1,006,000             -
                                                ------------  -----------
       Total liabilities . . . . . . . . . . .    1,376,836       327,347
                                                ------------  -----------
STOCKHOLDERS' EQUITY:
Series A  preferred, $.0001 par, 5,000,000
  shares authorized, 1,575,865 Shares
  issued and outstanding . . . . . . . . . . .          158             -
Common stock, $.0001 par value:
  20,000,000 shares authorized,
  13,031,000 issued and outstanding. . . . . .        1,303         1,317
Additional paid-in capital . . . . . . . . . .    4,545,672     2,681,581
Accumulated deficit. . . . . . . . . . . . . .   (3,591,250)   (1,023,512)
                                                ------------  -----------
Total stockholders' equity . . . . . . . . . .      955,883     1,659,386
                                                ------------  -----------
  Total liabilities and stockholders' equity . $  2,332,719  $  1,986,733
                                                ===========  ============
</TABLE>








                      Emagisoft Technologies - Consolidated
                                Income Statement
                                   (Unaudited)


<TABLE>
<CAPTION>
                                         Three Months Ended   Nine Months Ended
                                            September 30,       September 30,
                                         ------------------  ------------------
                                           2000     1999        2000     1999
                                         ------------------  ------------------
<S>                                      <C>      <C>      <C>         <C>
REVENUES:
Web site design. . . . . . . . . . . . . $  7,905 $ 27,809 $    69,587 $  27,809
Hardware and software sales and support.   24,402   26,166      32,993    45,748
Internet provider services . . . . . . .    9,516   18,661      32,586    89,866
                                         -------- --------   --------- ---------
  Total Revenue  . . . . . . . . . . . .   41,823   72,636     135,166   163,423
                                         -------- --------   --------- ---------
DIRECT COSTS . . . . . . . . . . . . . .   40,042   20,477      83,573    44,266
                                         -------- --------   --------- ---------
Gross Profit . . . . . . . . . . . . . .    1,781   52,159      51,593   119,157
                                         -------- --------   --------- ---------

OPERATING COSTS AND EXPENSES:
  Marketing & Sales  . . . . . . . . . .   16,160    4,727      33,750     4,727
  General and administrative . . . . . .  875,575  342,475   2,361,186   417,106
  Depreciation and amortization  . . . .   62,754   38,375     183,681    99,862

  Total Operating Expenses . . . . . . .  954,489  385,577   2,578,617   521,695

OTHER INCOME:
  Interest (income)/expense, net . . . .   33,292  (3,054)      27,663   (3,054)

LOSS BEFORE PROVISION FOR INCOME TAXES   (986,000)(330,364) (2,554,687)(399,484)

PROVISION FOR INCOME TAXES . . . . . . .        -        -          -          -
                                         -------- --------   --------- ---------
NET LOSS . . . . . . . . . . . . . . . .$(986,000)$(330,364)$(2,554,687)$(399,484)
                                         -------- --------   --------- ----------

NET LOSS PER SHARE - BASIC AND DILUTED .  $(0.08)  $(0.03)     $(0.19)   $(0.04)
                                         ======== ========   ========= ==========

</TABLE>



                        Emagisoft Technologies - Consolidated
                    Condensed Consolidated Statement of Cash Flows
                                     (Unaudited)
<TABLE>
<CAPTION>
                                                         Nine Months Ended
                                                           September 30,
                                                    --------------------------
                                                        2000          1999
                                                    ------------  ------------
<S>                                                 <C>           <C>
Cash Flow used in Operating Activities:. . . . . . .$(2,292,673)  $ (511,779)

Cash  Flow  used  in  Investing  Activities: . . . .   (930,793)    (333,440)

Cash Flow from Financing Activities: . . . . . . . .  2,872,860    1,430,075

(Decrease)/Increase in Cash . . . . . . . . . . . .    (350,606)     584,856

Cash, beginning  . . . . . . . . . . . . . . . . . .    995,236       33,147
                                                    ------------  ------------
Cash, ending . . . . . . . . . . . . . . . . . . . .$   644,630   $  618,003
                                                    ============  ============
</TABLE>
















Note  1. NATURE OF OPERATIONS

Emagisoft Technologies, Inc. (ETI), formerly known as Manatee American Financial
Corporation  (MAFC),  was incorporated under the laws of the State of Florida on
September  21,  1994.  ETI  and  subsidiaries  (collectively, the Company) is an
applications service provider (ASP) and web site design company. The Company has
developed  a  comprehensive  and integrated set of Internet-based software tools
engineered  for  power  and  ease  of  use  in  the  development,  marketing and
management  of  commercial  web  sites.  These products will enable customers to
create,  develop,  manage  and  maintain  e-commerce  web sites.  As an ASP, the
Company provides customers with hardware, software and web site hosting services
necessary  to  engage  in  a fully dimensional e-commerce environment and allows
them  to  focus  on  their  core  competencies  and  still  respond  to changing
technologies.  The   Company  presently   operates   its  business  through  its
wholly-owned  subsidiary,  Emagisoft  Corporation  (EC),  formerly  known as Net
Advantage,  Inc.,  which  is  located  in  St.  Petersburg,  Florida

Note 2.  BASIS  OF  PRESENTATION

The  accompanying  financial  statements are unaudited and have been prepared in
accordance  with  generally accepted accounting principles for interim financial
information  and  with  the  instructions  to  Form  10-QSB  promulgated  by the
Securities  and  Exchange  Commission.  These  financial  statements reflect all
adjustments,  which,  in  the  opinion  of  management, are necessary for a fair
presentation of financial position, results of operations and cash flows for the
periods presented. All adjustments are of a normal recurring nature. The results
of  operations for interim periods are not necessarily indicative of the results
expected  for  a  full  year.

These  financial  statements,  including  the  consolidated  balance sheet as of
December 31, 1999, which has been derived from audited financial statements, are
presented  in  accordance  with the requirements of Form 10-QSB and consequently
may  not  include  all  disclosures  normally  required  by  generally  accepted
accounting  principles  or those normally made in the Company's Form 10-KSB. The
accompanying   consolidated   financial   statements,  including  the  condensed
consolidated  statement  of  cash  flows,  and  related  notes should be read in
conjunction  with  the  Company's Form 10-KSB for the fiscal year ended December
31,  1999.



Note  3.     LIQUIDITY

The  accompanying unaudited financial statements have been prepared assuming the
Company  will continue as a going concern. Accordingly, the financial statements
do not include any adjustments that might result from the Company's inability to
continue  as  a going concern. Management expects to continue to generate losses
during  the next 12 months and, based on the current operating budgets, does not
anticipate  having  sufficient cash on hand or available through current lending
arrangements  to  fund  operations.  To address this funding need, the Company's
management  is  seeking  to  raise  funds  through  a  private placement of debt
financing. Management  believes that the  funds  generated  by  this transaction
will be sufficient  to  fund  operations  for  at  least 12 months. In the event
all  the  funding  is  not  received,  management  believes  it  can revise  its
operating  plan to  such  a  level  that  the  Company  will  be  able  to  fund
operations  for the  next  12  months.  Management  may seek to raise additional
capital  by  other equity or debt financing. The Company has been advised by its
independent  public accountants that  should this situation remain unresolved at
year-end,  the auditors  report on those financial  statements  will  contain  a
going-concern modification.



Note  4.          NET  LOSS  PER  COMMON  SHARE

Net  losses  per common share have been computed based upon the weighted average
number  of  shares of common stock outstanding during the periods. The number of
shares  used  in  the  computation  is  13,031,000 and 10,000,000 at 9/30/00 and
9/30/99,  respectively. As a result of the net loss reported by the company, any
assumptions  of  options  being  exercised  or  Series  A  preferred stock being
converted would have an antidilutive effect on the loss per share; therefore, no
exercise of stock options were assumed and  basic  and  diluted  loss per  share
amounts are identical.



Note  5.          SUBSEQUENT  EVENTS













ITEM  2.                    PLAN  OF  OPERATION
--------                    -------------------

During  the  third quarter of 2000, we at Emagisoft Technologies, Inc. continued
to  develop our products and services in anticipation of the introduction of our
Quicksuite Internet Solution. Salaries and software development costs as well as
the build-out of our Internet platform comprised the majority of our operational
costs.  Professional  fees  and travel expenses related to our ongoing financing
activities  were  substantial.

During  the  final  stage of the development of our products and service models,
marketing  and  sales  expenses  are expected to increase substantially. We also
plan  to  open  additional  Regional  Solution  Support  Centers to complete our
national  and international  market  exposure.  Our  success  is  contingent  on
our completing  the development of our products and effectively implementing our
sales and marketing plan.  We  therefore expect to continue to incur substantial
operating losses in  the  foreseeable  future.

Our  capital  requirements have been and will continue to be significant, and to
date,  have  exceeded  our  cash  flow  from  operations.  We  have historically
satisfied  our  cash  requirements  with  private  sales  of  our stock and debt
financing. We anticipate the need for additional such private stock sales and or
debt financing to satisfy our cash needs. We believe  that the  funds  generated
by  these  transactions  will  be  sufficient  to  fund  operations for at least
12  months. In  the  event  not all the funding  is  received, we believe we can
revise  our operating plan to reduce costs to such a level that the Company will
be able to fund operations for the next 12 months.




                           PART II - OTHER INFORMATION
                           ---------------------------



Item  1.               Legal  Proceedings
-------                ------------------

There  are  no  legal proceedings pending or threatened of any type or otherwise
known  to  be  contemplated  to which the Registrant or any of its properties is
subject.

Item  2.               Changes  in  Securities
--------               -----------------------

On  July  6,  2000,  July  14,  2000,   July 27, 2000  and  August 29, 2000, the
Company   accepted  aggregate  subscriptions of  $719,410,   $205,760, $234,160,
And $43,000  respectively, for   the purchase of 553,392,  158,277, 180,123  and
33,077  shares  of  the  Companys   Series  A   preferred  stock,  respectively.
The  shares are  non-voting  and  entitled  to  receive  annual   non-cumulative
dividends  at a rate  of 10% of the  original  issue  price.  The  shares   were
sold  at  a  price  per  share  of  $1.30. Such shares   may  be  converted   at
any  time  by  the  holder  into  a  number  of  shares of common stock computed
by  multiplying  the number  the  number of  shares of  Series A preferred stock
to be converted  by  $1.30  and  dividing  the  result by the common stock price
then  in  effect.  At November 05, 2000, no shares had been converted.



Item  3.               Defaults  Upon  Senior  Securities
--------               ----------------------------------

                                      None

Item  4.               Submission  of  Matters  to  a  Vote  of security Holders
--------               ---------------------------------------------------------

                                      None

Item  5.               Other  Information
--------               ------------------

On June 10, 2000, Form 211 was filed with the NASD by Public Securities, Inc., a
market  maker  in  small  cap  stocks.  Form  211  is an application to initiate
quotations  of  a  companys  stock  on  the  OTC  Bulletin  Board Service. As of
November 05, 2000 the Form 211 is still pending approval from the NASD.


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

           No  Form  8-Ks  were  filed  during  the  period  of  this  10QSB




EXHIBITS
--------

The  exhibits listed on the accompanying index to exhibits immediately following
are  filed  as  part  of,  or  incorporated by reference into, this Form 10-QSB.

EXHIBIT               DESCRIPTION
NO.
-------               -----------
2.1     Share  Exchange  Agreement  between Manatee-American Financial Corp. and
        Emagisoft  Corporation  dated  as  of  October  29,  1999  (2)

2.2     Amendment   to   Share   Exchange   Agreement  between  Manatee-American
        Financial  Corp.  and Emagisoft Corporation dated as of January 28, 2000
        (3)

3.1     Original  and Amended Articles of Incorporation of the Registrant (1)(2)

3.2     Bylaws  of  the  Registrant  (1)

3.3     Amendment  to  the Articles of Incorporation authorizing the issuance of
        5,000,000  shares of 10 percent non-cumulative, Series A Preferred Stock
        (5)

3.4     Convertible  Notes  dated  April  10,  2000  (5)

4.1     Specimen  -  Common  Stock  Certificate  (1)

10.1    Employment  Contracts  of Key Management of Emagisoft technologies, Inc.
        (4)

10.2    Specimen  -  Confidential Information and Invention Assignment Agreement
        for Employees  (4)

10.3    Business  Consulting  Agreement  between  James S. Neader  and Emagisoft
        Technologies,  Inc.  (4)

10.4    Option  Agreement  for  Promotional  services between Gary Sheffield and
        Emagisoft  Technologies,  Inc.  (4)

10.5    Emagisoft  Technologies,  Inc.  1999  Employee  Stock  Option  Plan (5)

10.6    Written  Consent  of  1999  Employee  Stock  Option  Plan  (5)

16.1    Letter  on  Change  in  Certifying  Accountant  (2)

21.1    Subsidiaries  of  the  Registrant  (4)

21.2    Stock  Purchase  and  Sale  between  Net Advantage, Inc. (KNA) Emagisoft
        Corporation and  Interactive  Media  Solutions,  Inc.  (4)

23.1    Consent  of  Rachlin  Cohen  &  Holtz  LLP,  Independent  Auditors  (2)


   (1)  Incorporated  by reference to the Registrant's Registration Statement on
        Form  SB-2,  as  amended,  File  No.33-67766-A

   (2)  Incorporated   by   reference   to  Form  8-K  of  the  Registrant dated
        October 29, 1999

   (3)  Incorporated   by   reference   to  Form  8-K  of  the  Registrant dated
        January 28, 2000

   (4)  Incorporated   by   reference  to  Form  10-KSB  of the Registrant dated
        March 31, 2000

   (5)  Incorporated by reference to Form 10-QSB of the Registrant dated May 15,
        2000


REPORTS  ON  FORM  8-K
----------------------

None













SIGNATURES

Pursuant  to  the  requirements  of  the  Securities  Exchange  Act of 1934, the
registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  thereunto  duly  authorized.

                        EMAGISOFT  TECHNOLOGIES,  INC.


         11/5/2000      By:  /s/  Kyle E.  Jones
         ----------     ------------------------------------------
         Date           Kyle E.  Jones, President, Chief Executive Officer
                           (Director)  (Principle Executive Officer)

         11/5/2000      By:  /s/  Peter VanSon
         ----------     --------------------------------------------
         Date           Peter VanSon, Vice President and Chief Financial Officer
                           (Principal Financial and Accounting Officer)