Exhibit 31

                                  CERTIFICATION
                                  -------------

Statement Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 by Chief
Executive Officer Regarding Facts and Circumstances Relating to Exchange Act
Filings.

I, Charles A. Holtgraves, Chief Executive Officer of Advanced Financial, Inc.,
certify that:

     1.   I have reviewed this quarterly report on Form 10-QSB of Advanced
          Financial, Inc.;

     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 registrant as of, and for, the periods presented in
          this quarterly report;

     4.   I 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 have:

          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 this
               quarterly report is being prepared;

          b)   evaluated the effectiveness of the registrant'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)   disclosed in this quarterly report any change in the registrant's
               internal control over financial reporting that occurred in this
               most recent quarter that has materially affected, or is
               reasonably likely to materially affect, the registrant's internal
               control over financial reporting.

     5.   I have disclosed, based on my most recent evaluation, to the
          registrant's auditors and the audit committee of registrant's board of
          directors (or persons performing the equivalent functions):

          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

          b)   any fraud, whether or not material, that involves management or
               other employees who have a significant role in the registrant's
               internal controls; and


Date:   December 31, 2003                   /s/  Charles A. Holtgraves
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                                                 Charles A. Holtgraves
                                                 Chief Executive Officer