UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                       ----------------------------------
                             Washington, D.C. 20549


                                   FORM 10-K/A
                                 AMENDMENT NO. 1


                  Annual Report Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                      For the Year Ended December 31, 2002

                        Commission File Number - 1-12070

                          TRANSFINANCIAL HOLDINGS, INC.
                          -----------------------------

                        State of Incorporation - Delaware
                  IRS Employer Identification No. - 46-0278762

                8245 Nieman Road, Suite 100, Lenexa, Kansas 66214
                        Telephone Number - (913) 859-0055

           Securities Registered Pursuant to Section 12(g) of the Act


                               Title of Each Class
                   TransFinancial Holdings, Inc. Common Stock,
                           par value $0.01 per share,

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 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     No  X.
                                      ---     ---

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form or any amendment to this Form
10-K.   [X]

Indicate  by check mark  whether  the  registrant  is an  accelerated  filer (as
defined in Rule 12b-2 of the Act). Yes         No  X
                                       ---        ---

The  aggregate  market  value of the  Common  Stock  held by  non-affiliates  of
TransFinancial  Holdings,  Inc. as of June 30, 2002, was $8,549,557 based on the
last sale price of the common  stock on April 29,  2002,  the last date that the
common stock traded.

The number of outstanding  shares of the  registrant's  common stock as of March
30, 2003 was 3,288,291 shares.

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                                Explanatory Note

On October 9, 2003,  the  Company  filed its Annual  Report on Form 10-K for the
year ended  December 31, 2002 (the  "Original  Filing") with the  Securities and
Exchange   Commission.   "Item   8--Financial   Statements   and   Supplementary
Data--Report  of  Independent  Accounts"  of the  Original  Filing  contained an
incorrect date. The corrected "Item  8--Financial  Statements and  Supplementary
Data--Report  of  Independent  Accounts"  is attached  hereto and  contains  the
following correction: the date of the report has been changed from September 15,
2002 to September 15, 2003.  The Company  hereby  amends the Original  Filing to
include this correction.

ITEM 8.    FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA



                        REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Shareholders of TransFinancial Holdings, Inc.:

     We  have   audited  the   accompanying   consolidated   balance   sheet  of
TransFinancial  Holdings,  Inc. as of December 31, 2002 and 2001 and the related
consolidated statements of income, shareholders' equity, and cash flows for each
of the three  years in the period  ended  December  31,  2002.  Our audits  also
included the  financial  statement  schedule  listed in the Index at Item 16(a).
These financial  statements and schedule are the responsibility of the Company's
management.  Our  responsibility  is to express  an  opinion on these  financial
statements schedule based on our audits.

     We conducted our audits in accordance  with  auditing  standards  generally
accepted in the United States.  Those standards require that we plan and perform
the audit to obtain reasonable  assurance about whether the financial statements
are free of  material  misstatements.  An audit  includes  examining,  on a test
basis,  evidence  supporting  the  amounts  and  disclosures  in  the  financial
statements.  An audit also includes assessing the accounting principles used and
significant  estimates  made by  management,  as well as evaluating  the overall
financial  statement  presentation.   We  believe  that  our  audits  provide  a
reasonable basis for our opinion.

     In our opinion,  the financial statements referred to above present fairly,
in all material respects,  the consolidated financial position of TransFinancial
Holdings,  Inc. as of December 31, 2002 and 2001 and the consolidated results of
their  operations and their cash flows for each of the three years in the period
ended  December 31, 2002 in  conformity  with  accounting  principles  generally
accepted in the United  States.  Also,  in our  opinion,  the related  financial
statement  schedule,   when  considered  in  relation  to  the  basic  financial
statements  taken as a whole,  presents  fairly  in all  material  respects  the
information set forth therein.

     The accompanying  financial statements have been prepared assuming that the
Company  will  continue  as a  going  concern.  As  discussed  in  Note 1 to the
consolidated  financial  statements,  the Company has suffered  recurring losses
from  operations  and has  experienced  significantly  reduced  cash  flows from
operating  activities that raise substantial doubt in its ability to continue as
a going  concern.  Management's  plans  in  regard  to  these  matters  are also
described in Note 1. The  consolidated  financial  statements do not include any
adjustments that might result from the outcome of this uncertainty.


                                     WEAVER & MARTIN, LLC

Kansas City, Missouri
September 15, 2003


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                                   SIGNATURES


Pursuant to the  requirements of Section 13 or 15(d) 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.



Date:  October 27, 2003        By   /s/ William D. Cox
                                   ---------------------------
                                   William D. Cox,
                                   President, Chief Executive
                                   Officer and Secretary




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                 TRANSFINANCIAL HOLDINGS, INC. AND SUBSIDIARIES

                                  Exhibit Index
                                  -------------


Exhibit No.         Exhibit Description
-----------         -------------------

   31.1             Sarbanes-Oxley   Section  302  Certification  of  the  Chief
                    Executive Officer/Chief Financial Officer


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