SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-QSB


     QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
                                  ACT OF 1934

                 For the quarterly period ended: March 31, 2002


                          Commission File No. 0-29963


                                FINDEX.COM, INC.
              (Exact name of small business issuer in its charter)


           Nevada                                      88-0379462
   (State or other jurisdiction            (IRS Employer Identification No.)
  of incorporation or organization)


                 11640 Arbor Street, Suite 201, Omaha, NE 68144
                    (Address of principal executive offices)

                                 (402) 333-1900
                           (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 ___



                      APPLICABLE ONLY TO CORPORATE ISSUERS


State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date: 19,288,359 shares as of May 1, 2002.


Transitional Small Business Format: No

<PAGE>


PART I - FINANCIAL INFORMATION

Item 1. FINANCIAL STATEMENTS

Registrant's financial statements are filed herewith following the signature
page.

Item 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION OR PLAN OF
OPERATIONS

     The following discussion should be read together with the financial
statements of FindEx.com, Inc., which are included in this Form 10-QSB. The
following discussion contains certain forward-looking statements regarding
FindEx's expectations for its business and its capital resources. These
expectations are subject to various uncertainties and risks that may cause
actual results to differ significantly from these forward-looking statements.

GENERAL

We are a developer, publisher, distributor and supplier of "inspirational" and
Christian faith-based, off-the-shelf software products to individuals and
religious and other spiritual organizations including schools, churches and
other faith-based ministries.

Our business plan is focused on fulfilling our objective of becoming the premier
provider of Bible study and related software products and content to the
domestic and international markets, through both acquiring established companies
and ongoing internal development of new products and expanded content of
existing products. Our religious software titles are divided among six
categories: (i) QuickVerse/Bible Study, (ii) Financial/Office Management
Products for Churches and other Christian Faith-Based Ministries, (iii) Print &
Graphic Products, (iv) Pastoral Products, (v) Children's Products, and (vi)
Language Tutorial Products.

At the retail level, we sell our software products to thousands of retail stores
across the United States, many of which are members of the Christian
Bookseller's Association ("CBA"). These stores vary from small, family-owned
Christian bookstores to large chain bookstores such as LifeWay Christian Stores,
Family Christian Stores and Berean Christian Stores. We face the continuing
challenge of reaching these stores on a consistent basis to keep them informed
of new releases, promotional offers, etc. In addition to advertising in trade
publications and maintaining visibility at CBA trade shows and events, we
believe that it is critical to be in direct personal contact with each customer
routinely in order to maintain or increase our market position. Towards that
end, our sales representatives are expected to contact each of our customers as
well as each of the 3,500 independent stores, some of which are not yet our
customers, at least once each calendar quarter and present them with the latest
in our products and promotions. We believe our personalized approach to
marketing provides us with an edge over our competition, which we believe rely
predominantly on advertising to maintain and develop their relations with CBA
customers.

In addition to retail sales, we also sell our software at the wholesale level to
a number of distributors around the world. We currently sell to distributors in
Canada, New Zealand, Australia, Malaysia, South Africa, South Korea, Germany,
the United Kingdom, Singapore and the United States. These distributors, in
turn, sell our QuickVerse/Bible study packages and our Membership Plus packages
into both Christian and large, national secular retail outlets that sell
off-the-shelf consumer software packages, such as Best Buy, CompUSA, Circuit
City, Office Depot and Staples. In the secular retail market, we continue to
be a top seller of Bible study software and are developing additional product
offerings and promotions to grow our market share.

On the Internet level, we are currently marketing our products through our
www.findex.com, www.quickverse.com, and www.parsonschurch.com Websites. These
sites provide customers across the United States and around the world the
ability to purchase our software. We anticipate Internet orders will continue to
increase as we expand our software product base and enhance our marketing
efforts in this area.

We are also marketing our products directly to the consumer through catalog,
email and other direct offerings. In the past, we utilized the strength of The
Learning Company's ("TLC") direct marketing and sales force. We are currently
experimenting with various direct marketing organizations and expanding our
efforts internally. We anticipate an increase during the upcoming year in our
direct marketing sales initiatives.

All of our sales are currently fulfilled out of our warehouse located in
LaVista, Nebraska.

Since we acquired the Parsons Church Division from Mattel in June 1999, we have
experienced inconsistent growth. We expanded our presence in the CBA marketplace
by increasing the frequency of customer contact by our sales representatives and
by adding products desired by their customer base. We lost our presence in the
secular retail marketplace, however, when, in March, 2000, TLC announced their
decision to reduce their workforce and their line of software products promoted
into the secular market. Since then, though, we have not only re-established our
presence in the secular retail market by focusing time, talent and resources, we
have expanded that presence beyond what it had previously been.

We continue to aggressively pursue our objective of becoming the premier
provider of Bible study and related products and content to the domestic and
international markets, and to explore additional technologies, products and
services that are complementary to the affinity group we already serve. We have
developed two (2) enhanced releases of our flagship product, QuickVerse, one (1)
new product targeted mainly to the secular market, QuickVerse Essentials, and
one (1) enhanced release of our top financial and data management product,
Membership Plus with another significant release targeted for May, 2002. In
October 2001, we released the Complete Bible Resource Library, a software
program that contains Bible translations, Bible reference tools, multimedia
programs, Christian clip-art images and interactive children's games. We also
added distributorships for ItsDeductible, a software program that determines and
tracks the proper fair market value of item donations; CJ's Closet, a children's
software program of interactive adventures with Biblical themes; and The Holy
Land Experience, a multi-media software program containing interactive maps,
photographs, educational video lessons, and more bringing the ancient land to
life. These distributorships were cancelled in January 2002 as we narrowed our
focus to our own core products. We are currently researching new opportunities
in technology for our existing software titles and expanding our financial
product line.


RESULTS OF OPERATIONS

Our software products have a significant seasonality to their revenues. More
than 50% of our annual sales are expected to occur in the five months of
September through January; the five months of April through August are expected
to be the weakest generating only about 33% of our annual sales.

Our earnings before interest, taxes, depreciation, and amortization (EBITDA)
increased approximately $358,000 from a loss of approximately $166,000 for the
three months ended March 31, 2001 to income of approximately $192,000 for the
three months ended March 31, 2002. This increase is directly attributable to
changing our sales focus and making several cost savings decisions. We changed
our focus to concentrate on upgrade sales and non-royalty sales direct to the
end user. We also reduced our workforce by approximately 50% in November of
2001, closed our sales office in Cedar Rapids, Iowa, and increased our profit
margin by focusing on the upgrade and direct sales aspect of our business. We
plan to continue increasing the direct sales portion of our business as a
percentage of our total sales.

Revenues

We recognize software revenue net of estimated returns and allowances for
returns, price discounts and rebates, upon shipment of product, which is when
title passes, provided that collection of the resulting receivable is probable
and we have no significant remaining obligations. Revenue from inventory out on
consignment is recognized when the consignee sells the product. Revenue
associated with advance payments from customers is deferred until products are
shipped. Revenue for software distributed electronically via the Internet is
recognized upon delivery.

Product return reserves are based upon a percentage of total retail and direct
sales for the period and may increase or decrease as actual returns are
processed. Product returns or price protection concessions that exceed our
reserves could materially adversely affect our business and operating results
and could increase the magnitude of quarterly fluctuations in our operating and
financial results. See "Risk Factors - Product returns that exceed our
anticipated reserves could result in worse than expected operating results."
Product returns from distributors and Christian bookstores are allowed primarily
in exchange for new products or for credit towards purchases as part of a
stock-balancing program. These returns are subject to certain limitations that
may exist in the contract that we have with them. Under certain circumstances,
such as termination or when a product is defective, distributors and bookstores
could receive a cash refund if returns exceed amounts owed. Returns from sales
made directly to the consumer are accepted within 30 days of purchase and are
issued a cash refund.

Software products are sold separately, without future performance such as
upgrades or maintenance, and are sold with post contract customer support (PCS)
services, customer service and technical support assistance. In connection with
the sale of certain products, we provide a limited amount of free technical
support assistance to our customers. We do not defer the recognition of revenue
associated with sales of these products, since the cost of providing this free
technical support is insignificant. We accrue the estimated associated costs of
providing this free support upon product shipment. We also offer several plans
under which customers are charged for technical support assistance. For plans
where we collect fees in advance, we recognize revenue over the period of
service, which is generally one year.

Shipping and handling costs in connection with our software products are
expensed as incurred and included in cost of goods sold.

Gross revenues decreased approximately $400,000 from $1,403,842 for the three
months ended March 31, 2001 to $1,003,067 for the three months ended March 31,
2002. The Company did not introduce any new titles or upgrades during the first
quarter of either year. Sales for the first quarter of 2001 reflect reorders
from the fourth quarter 2000 release of one new title, QuickVerse version 7
(QV7). Sales for the first quarter of 2002 reflect no sales of the retail
version of our flagship QuickVerse products.

Historically, we have reproduced and distributed the Zondervan NIV Bible
pursuant to a content licensing agreement with The Zondervan Corporation which
provides that we will pay a royalty fee of 10% of net sales on the stand-alone
product and $8.00 per unit on total net units of QuickVerse. The products
containing the Zondervan NIV Bible, including QuickVerse, accounted for
approximately 35% of our revenues in fiscal year 2001 but none of our revenues
during the three months ended March 31, 2002. Due to our shortage in working
capital, we are significantly in arrears on the royalty payments due under such
licensing agreement. On April 5, 2001, we received a notice from The Zondervan
Corporation informing us that they were terminating our rights to the Zondervan
NIV Bible under the licensing agreement. On October 12, 2001, Zondervan was
granted a court order in the United States District Court in the Western
District of Michigan ordering FindEx to cease selling, marketing and
manufacturing any product that incorporates Zondervan's copyrighted material. As
of October 26, 2001 we reached a written payment agreement with Zondervan
whereby they would not enforce the court order and we would continue to ship
products containing Zondervan's NIV Bible. We failed to meet our first payment
obligation due to Zondervan on November 12, 2001 in accordance with the payment
agreement. On November 14, 2001, Zondervan pursued its enforcement rights under
the court order by serving notice that we cease selling, marketing and
manufacturing all products containing their copyrighted material. As of the date
hereof, we are abiding by the court order. We are also involved in related
court-ordered mediation in connection with Zondervan's claim for $1,300,000 in
unpaid royalties, which amount we are disputing. As of May 7, 2002, it was
agreed among Zondervan, FindEx, and TLC, another named defendant in the
proceeding, that FindEx and TLC would submit to independent audits in an effort
to resolve disputed royalty amounts owed. Although we hope to be able to resolve
this pending litigation in a way that will allow us to continue to sell, market
and manufacture Zondervan's copyrighted material, and not dramatically impair
our cash flow, there can be no assurance as to our ability to achieve either of
these results. Depending on the timing of, and the period over which it would be
required to be paid by us, any judgment for money damages in excess of $50,000
in this proceeding would have a material adverse effect on our business,
operations, financial condition and ability to operate as a going concern.

The provision for sales returns decreased approximately $143,000 from $203,400
for the three months ended March 31, 2001 to $60,095 for the three months ended
March 31, 2002. The Company experienced fewer product returns during the first
quarter of 2002 than during the same period of 2001. In addition, we increased
our direct sales efforts to the end user where our return policy is much shorter
and incidents of product returns much lower than the Christian and secular
retail markets.

COST OF SALES

Cost of sales consists primarily of royalties to third party providers of
intellectual property and the direct costs and manufacturing overhead required
to reproduce, package and ship the software products. The direct costs and
manufacturing overhead decreased from 21.8% of gross revenues in 2001 to 13.3%
of gross revenues in 2002. The decrease resulted directly from the sharp
decrease in sales of boxed, retail products. Sales direct to the end user do not
require the cost of a retail box nor the additional packaging and shipping
materials. Royalties to third party providers of intellectual property also
decreased from 9.9% of gross revenues in 2001 to 2.5% of gross revenues in 2002.
The decrease in royalties reflects our focus on selling product upgrades and
non-royalty titles. Upgrade sales, e.g. from QuickVerse version 6 to QuickVerse
version 7, are subject to royalties only on the content additions of the
upgraded version.

SALES, GENERAL AND ADMINISTRATIVE

Sales expenses increased approximately $35,000 from $148,428 for the three
months ended March 31, 2001 to $183,537 for the three months ended March 31,
2002. The increase is primarily due to commissions paid to the telemarketing
firm we used for our direct sales. TLC handled direct sales almost entirely
during the first quarter of 2001. We anticipate sales commissions will increase
in future quarters as we continue to expand our direct sales efforts. Sales
expenses also reflect a reduction in marketing, advertising, and related travel
costs. We anticipate that marketing, advertising, and travel costs will increase
in the future as we introduce new product releases and expand our product line.
In addition, we began providing our own technical support in April 2001
effectively lowering the matching of future technical support costs related to
sales from the current year period. Prior to that point, the Company operated
under an agreement with TLC whereby TLC provided technical support and billed
FindEx based on the monthly number of technical support calls and emails
received. It is anticipated that future technical support costs will remain
lower, on a per instance basis, than that provided by TLC.

Personnel costs decreased approximately $91,000 from $379,125 for the three
months ended March 31, 2001 to $288,164 for the three months ended March 31,
2002 primarily from a reduction in staff. Included in the net decrease in
personnel costs is a 119% increase in employee benefits. This increase was
prevented from being greater by changing our benefit providers and offerings to
our employees. It is anticipated that personnel costs will increase in future
periods as operating capital is available to fund full staffing of our product
development team and expansion of the technical support and direct marketing
staff. Investor services decreased approximately $30,000, as we did not renew
our investor services contract. Legal costs decreased approximately $105,000 as
we dealt with fewer legal disputes during the three months ended March 31, 2002.
It is anticipated that legal costs will be higher in future quarters as we
continue to work through the disputes with Zondervan, TLC, and the Ronald Ardt
affiliated shareholder group.

Rent expense decreased approximately $2,700 during the three months ended March
31, 2002. We closed our sales office in Cedar Rapids, Iowa in late 2001. Rent at
our corporate office location increased slightly over 2001. We anticipate that
rent expense will continue to decrease as we combine our product fulfillment and
corporate office facilities into one location.

INCOME TAX BENEFITS

Our effective tax rate differs from the statutory federal rate due to
differences between income and expense recognition prescribed by the Internal
Revenue Code and Generally Accepted Accounting Principles. We utilize different
methods and useful lives for depreciating property and equipment. Amortization
of the software license agreement is on a straight-line basis over the ten-year
term for financial reporting while deductible when paid for income tax purposes.
Changes in estimates (reserves) are recognized as expense for financial
reporting but are not deductible for income tax purposes.

We have recognized a net deferred tax asset whose realization depends on
generating future taxable income. Because of this uncertainty, we have recorded
a valuation allowance to offset the net deferred tax asset. The resulting
deferred tax liability reflects income taxes payable in future periods on the
net deductible differences related to the software license agreement. We
currently have net operating loss carryforwards, for income tax purposes, of
approximately $9,767,000. The carryforwards are the result of income tax losses
generated in 1996 ($50,000 expiring in 2011), 1997 ($77,000 expiring in 2012),
1998 ($54,000 expiring in 2018), 2000 ($4,418,000 expiring in 2020) and 2001
($5,168,000 expiring in 2021). We will need to achieve a minimum annual taxable
income, before deduction of operating loss carryforwards, of approximately
$490,000 to fully utilize the current loss carryforwards. We believe this is
achievable through continued careful expense management and introduction of new
products and enhanced Versions of our existing products. In addition, the
deductions currently taken for license agreement payments will expire within the
next year and taxable income will be greater than income for financial reporting
purposes.

Management expects the deductible temporary differences (reserves) to reverse
sometime beyond the next fiscal year.

LIQUIDITY AND CAPITAL RESOURCES

To date, we have funded our purchase of the Parsons Church Division primarily
through operations. Since inception, we have raised approximately $2,250,000 in
net proceeds from equity financings to fund acquisition and working capital
needs. As much as possible, we have focused on fulfilling our software license
obligations and have been unable to meet our royalty and trade debt obligations.
In addition, the dispute with TLC over specific performance provisions of and
payments due on the TLC Distribution Agreement has also lead to the shortage of
working capital.

We are currently involved in court-ordered mediation in connection with
Zondervan's claim for $1,300,000 in unpaid royalties, which amount we are
disputing. As of May 7, 2002, it was agreed among Zondervan, FindEx, and TLC,
another named defendant in the proceeding, that FindEx and TLC would submit to
independent audits in an effort to resolve disputed royalty amounts owed.
Although we hope to be able to resolve this pending litigation in a way that
will not dramatically impair our cash resources, there can be no assurance as to
our ability to achieve this result. Depending on the timing of, and the period
over which it would be required to be paid by us, any judgment for money damages
in excess of $50,000 in this proceeding would have a material adverse effect on
our business, operations, financial condition and ability to operate as a going
concern.

As of March 31, 2002, FindEx had $980,312 in current assets, $6,582,288 in
current liabilities and a retained deficit of $9,914,330. We had net income of
$88,425 for the three months ended March 31, 2002.

Net cash provided by operating activities was $35,390 and $585, for the three
months ended March 31, 2002 and 2001, respectively. The increase in cash
provided was primarily due to refocusing our sales efforts on direct sales.
These sales are generally credit card sales and provide a much greater profit
margin. This increase in cash from operating activities reflects a net decrease
in trade accounts payable of approximately $225,000. The net decrease in trade
accounts payable includes the refinancing of $154,468 as a long-term liability.

Net cash used by investing activities was $11,676 for the three months ended
March 31, 2002 and net cash provided by investing activities was $8,039 for the
three months ended March 31, 2001. The increase in net cash used relates
primarily to purchases of equipment and software during the first quarter.

Net cash used by financing activities was $30,650 and $-0- for the three months
ended March 31, 2002 and 2001, respectively. Cash used by financing activities
reflects payments made on debt obligations and the partial refund of the 2000
investment of Thomas Ardt and Betty Wolfe. See Item 2, Changes In Securities And
Use Of Proceeds below. We refinanced $154,468 of trade accounts payable to Cedar
Graphics, Inc. by issuing a term note payable. This refinancing has been
reflected in the net decrease in trade accounts payable with only the principal
reduction reflected in financing activities.

We do not currently have adequate funds available to fund operations over the
next twelve months. In order to maintain our current level of operations, we
will need to secure additional funding sources to meet our operating expenses.
Such funding sources may include, but are not limited to, private placements of
common or convertible equities, placement of debt with banks, private or public
investors, or other lending institutions.

Although there can be no assurance, we believe that through a combination of
outside sources of capital, revenues generated from direct-to-consumer sales and
timely introduction of new product releases, we will have sufficient sources of
capital to meet our operating needs. However, any substantial delays in receipt
of or failure to obtain such capital and delays in product releases will prevent
us from operating as a going concern, given our limited revenues and capital
reserves.


CAUTIONARY STATEMENTS AND RISK FACTORS

Several of the matters discussed in this document contain forward-looking
statements that involve risks and uncertainties. Factors associated with the
forward-looking statements that could cause actual results to differ from those
projected or forecast are included in the statements below. In addition to other
information contained in this report, readers should carefully consider the
following cautionary statements and risk factors.

WE ARE CURRENTLY BEING SUED FOR $1.3 MILLION IN LICENSING ROYALTIES.
Historically, we have reproduced and distributed the Zondervan NIV Bible
pursuant to a content licensing agreement with The Zondervan Corporation which
provides that we will pay a royalty fee of 10% of net sales on the stand-alone
product and $8.00 per unit on total net units of QuickVerse. The products
containing the Zondervan NIV Bible, including QuickVerse, accounted for
approximately 35% of our revenues in fiscal year 2001 but none of our revenues
during the three months ended March 31, 2002. Due to our shortage in working
capital, we are significantly in arrears on the royalty payments due under such
licensing agreement. In October of 2001, an action was brought by Zondervan in
Federal District Court pursuant to which we are currently involved in mediation
over their claim for $1,300,000 in unpaid royalties, which amount we are
disputing. As of May 7, 2002, it was agreed among Zondervan, FindEx, and TLC,
another named defendant in the proceeding, that FindEx and TLC would submit to
independent audits in an effort to resolve disputed royalty amounts owed.
Although we hope to be able to resolve this pending litigation in a way that
will allow us to continue to sell, market and manufacture Zondervan's
copyrighted material, and not dramatically impair our cash flow, there can be no
assurance as to our ability to achieve either of these results. Depending on the
timing of, and the period over which it would be required to be paid by us, any
judgment for money damages in excess of $50,000 in this proceeding would have a
material adverse effect on our business, operations, financial condition and
ability to operate as a going concern.

WE HAVE EXPERIENCED, AND MAY CONTINUE TO EXPERIENCE, REDUCED REVENUES DUE TO
DELAYS IN THE INTRODUCTION AND DISTRIBUTION OF OUR PRODUCTS. We cannot be
certain that we will be able to meet our planned release dates for our new
software releases. If we cannot release an important new product during the
scheduled quarter, our revenues would likely be reduced in that quarter. In the
past, we have experienced significant delays in our introduction of some new
products. It is likely in the future that delays will continue to occur and that
some new products will not be released in accordance with our internal
development schedule or the expectations of public market analysts and
investors.

IF WE ARE UNABLE TO RAISE ADDITIONAL FUNDS, WE MAY BE REQUIRED TO DEFER
COMPLETION OF FUTURE SOFTWARE UPDATES AND REDUCE OVERHEAD SIGNIFICANTLY. We
believe we will need to receive additional funding in order to continue our
product development, increase our sales and fund our working capital
requirements. The ability to consummate and draw upon additional funding is
dependent on a number of factors, including the investor's completion of its due
diligence, our entry into definitive agreements with the investor and the
effectiveness of a registration statement covering the resale of the shares to
be issued to such investor, which are outside of our control. If we are unable
to draw on additional funding, we will need to raise additional funds through
the sale of equity or debt securities in private or public financings or through
strategic partnerships in order to meet our needs and achieve profitability.
There can be no assurance that such alternate funds can be obtained or, if
obtained, that they will be available on terms equal to, or more favorable than,
the anticipated terms.

WE HAVE A LIMITED OPERATING HISTORY UPON WHICH YOU CAN EVALUATE OUR POTENTIAL
FOR FUTURE SUCCESS. We began to introduce our products and services during 1999.
Although we have generated revenue from operations, we have a very limited
operating history on which you can evaluate our potential for future success.
Rather than relying on historical financial information to evaluate our Company,
you should evaluate our Company in light of the expenses, delays, uncertainties,
and complications typically encountered by early-stage businesses, many of which
will be beyond our control. Early-stage businesses commonly face risks such as
the following:

o    lack of sufficient capital,

o    unanticipated problems, delays, and expenses relating to product
     development and implementation,

o    lack of intellectual property,

o    licensing and marketing difficulties,

o    competition,

o    technological changes, and

o    uncertain market acceptance of products and services.

THE LOSS OF ANY OF OUR KEY EXECUTIVES OR OUR FAILURE TO ATTRACT, INTEGRATE,
MOTIVATE AND RETAIN ADDITIONAL KEY EMPLOYEES COULD HAVE A MATERIAL ADVERSE
EFFECT ON OUR BUSINESS. Our success depends to a large degree upon the skills of
our senior management team and key employees and upon our ability to identify,
hire, and retain additional sales, marketing, technical, and financial
personnel. The loss of any of our key executives or the failure to attract,
integrate, motivate, and retain additional key employees could have a material
adverse effect on our business. We may be unable to retain our existing key
personnel or attract and retain additional key personnel. Competition for these
personnel in the Internet and technology industry is intense and identifying
personnel with experience in this industry is even more difficult. We are in a
relatively new market, and there are a limited number of people with the
appropriate combination of skills needed to provide the services that our
customers require. We depend particularly upon the services of Steven Malone,
our Chief Executive Officer and President.

WE NO LONGER INCLUDE CERTAIN POPULAR CONTENT IN OUR PRODUCTS. Historically, we
have reproduced and distributed the Zondervan NIV Bible pursuant to a content
licensing agreement with The Zondervan Corporation. The Zondervan NIV Bible is a
widely recognized and well-regarded translation of the Bible, and one for which
consistent demand has been demonstrated over time. The products containing the
Zondervan NIV Bible, including QuickVerse, accounted for approximately 35% of
our revenues in fiscal year 2001, but none of our revenues during the three
months ended March 31, 2002. Due to our shortage in working capital, we are
significantly in arrears on the royalty payments due under such licensing
agreement. On April 5, 2001, we received a notice from The Zondervan Corporation
informing us that they were terminating our rights to the Zondervan NIV Bible
under the licensing agreement. On October 12, 2001, Zondervan was granted a
court order in the United States District Court in the Western District of
Michigan ordering FindEx to cease selling, marketing and manufacturing any
product that incorporates Zondervan's copyrighted material. As of October 26,
2001 we reached a written payment agreement with Zondervan whereby they would
not enforce the court order and we would continue to ship products containing
Zondervan's NIV Bible. We failed to meet our first payment obligation due to
Zondervan on November 12, 2001 in accordance with the payment agreement. On
November 14, 2001, Zondervan pursued its enforcement rights under the court
order by serving notice that we cease selling, marketing and manufacturing all
products containing their copyrighted material. As of the date hereof, we are
abiding by the court order. Although we hope to be able to resolve this pending
litigation in a way that will allow us to continue to sell, market and
manufacture Zondervan's copyrighted material, there can be no assurance as to
our ability to achieve this result. Any continued inability to include the
Zondervan NIV Bible in our products could have a material adverse effect on our
business, operations, and financial condition and ability to operate as a going
concern.

IF WE CANNOT OBTAIN CD-ROM MANUFACTURING AND PACKAGING SERVICES ON A TIMELY
BASIS, WE MAY NOT BE ABLE TO TIMELY DELIVER OUR CD-ROM AND DVD PRODUCTS TO
DISTRIBUTORS AND RETAILERS AND OUR SALES WILL BE ADVERSELY AFFECTED. We use
third party vendors to press CD-ROM disks, assemble purchased product
components, and print product packaging and user manuals in connection with the
retail distribution of our software. We do not have contractual agreements with
any of our third party vendors, which may result in our inability to secure
adequate services in a timely manner. If we cannot obtain adequate manufacturing
services, we will not be able to timely produce and deliver our CD-ROM products
to distributors and retail stores for ultimate sale to consumers, which will
adversely affect our sales and operating results.

PRODUCT RETURNS THAT EXCEED OUR ANTICIPATED RESERVES COULD RESULT IN WORSE THAN
EXPECTED OPERATING RESULTS. At the time we ship our products to retailers we
will establish reserves, including reserves that estimate the potential for
future product returns. Product returns or price protection concessions that
exceed our reserves could increase the magnitude of quarterly fluctuations in
our operating and financial results. Furthermore, if we incorrectly assess the
creditworthiness of customers who receive our products on credit, we could be
required to significantly increase the reserves previously established. We
cannot be certain that any future write-offs will not occur or that amounts
written off will not have a material adverse effect on our business and depress
the market price of our common stock. Actual returns to date have been within
management's estimates.

FLUCTUATIONS IN OPERATING RESULTS MAY RESULT IN UNEXPECTED REDUCTIONS IN REVENUE
AND STOCK PRICE VOLATILITY. We operate in an industry that is subject to
significant fluctuations in operating results from quarter to quarter, which may
lead to unexpected reductions in revenues and stock price volatility. Factors
that may influence our quarterly operating results include:

o    the introduction or enhancement of software products and technology by us
     and our competitors;

o    our ability to produce and distribute retail packaged versions of our
     software in advance of peak retail selling seasons; and

o    our ability to create appealing content within our software products.

Additionally, a majority of the unit sales for a product typically occurs in the
quarter in which the product is introduced. As a result, our revenues may
increase significantly in a quarter in which a major product introduction occurs
and may decline in following quarters.

ERRORS OR DEFECTS IN OUR SOFTWARE PRODUCTS MAY CAUSE A LOSS OF MARKET ACCEPTANCE
AND RESULT IN FEWER SALES OF OUR PRODUCTS. Our products are complex and may
contain undetected errors or defects when first introduced or as new versions
are released. In the past, we have discovered software errors in some of our new
products and enhancements after their introduction into the market. Because our
products are complex, we anticipate that software errors and defects will be
present in new products or releases in the future. While to date these errors
have not been material, future errors and defects could result in adverse
product reviews and a loss of, or delay in, market acceptance of our products.

TO DEVELOP PRODUCTS THAT CONSUMERS DESIRE, WE MUST MAKE SUBSTANTIAL INVESTMENTS
IN RESEARCH AND DEVELOPMENT TO KEEP UP WITH THE RAPID TECHNOLOGICAL DEVELOPMENTS
THAT ARE TYPICAL IN OUR INDUSTRY. The entertainment software market and the PC
industry are subject to rapid technological developments. To develop products
that consumers desire, we must continually improve and enhance our existing
products and technologies and develop new products and technologies that
incorporate these technological developments. We cannot be certain that we will
have the financial and technical resources available to make these improvements.
We must make these improvements while remaining competitive in terms of
performance and price. This will require us to make substantial investments in
research and development, often times well in advance of the widespread release
of the products in the market and any revenues these products may generate.

OUR PROPRIETARY TECHNOLOGY MAY NOT BE ADEQUATELY PROTECTED FROM UNAUTHORIZED USE
BY OTHERS, WHICH COULD INCREASE OUR LITIGATION COSTS AND ADVERSELY AFFECT OUR
SALES. Our ability to compete with other Bible software companies depends in
part upon our proprietary technology. Unauthorized use by others of our
proprietary technology could result in an increase in competing products and a
reduction in our sales. We rely on trademark, trade secret and copyright laws to
protect our technology. We cannot be certain, however, that these precautions
will provide meaningful protection from unauthorized use by others. If we must
pursue litigation in the future to enforce our intellectual property rights, to
protect our trade secrets or to determine the validity and scope of the
proprietary rights of others, we may not prevail and will likely make
substantial expenditures and divert valuable resources. In addition, many
foreign countries' laws may not protect us from improper use of our proprietary
technologies overseas. We may not have adequate remedies if our proprietary
rights are breached or our trade secrets are disclosed.

NEW INTERNET ACCESS DEVICES MAY CHANGE THE WAY INFORMATION IS DISPLAYED
REQUIRING US TO CHANGE OUR PRODUCTS. Recent increases in the use of internet
devices to access inspirational content and the continued development of
internet devices as a medium for the delivery of network-based information,
content, and services may require us to change our products. Our success depends
on our ability to understand the method upon which our search engines operate
and our ability to service new and emerging devices to access the Internet, such
as browser phones, personal digital assistants, and other wireless devices. To
the extent these new Internet access devices change the way that information is
displayed to the end user or causes a change in the medium that is searched, we
may be required to revise the methodology of our products. We cannot predict the
impact that these new devices will have on our services, and any such required
revisions may result in loss of revenue and goodwill, increased expenses, and
reduced operating margins.

IF OUR PRODUCTS INFRINGE ANY PROPRIETARY RIGHTS OF OTHERS, A LAWSUIT MAY BE
BROUGHT AGAINST US THAT COULD REQUIRE US TO PAY LARGE LEGAL EXPENSES AND
JUDGMENTS AND REDESIGN OR DISCONTINUE SELLING OUR PRODUCT. We believe that our
products do not infringe any valid existing proprietary rights of third parties.
Any infringement claims, however, whether or not meritorious, could result in
costly litigation or require us to enter into royalty or licensing agreements.
If we are found to have infringed the proprietary rights of others, we could be
required to pay damages, redesign the products or discontinue their sale. Any of
these outcomes, individually or collectively, could have a material adverse
effect on our business and financial condition.

WE WILL FACE ADDITIONAL RISKS AS WE EXPAND INTO INTERNATIONAL MARKETS. We plan
to further expand our services to international markets. Expanding into overseas
operations may cost more than we expect. We also may be unsuccessful in
expanding our presence in international markets, and we might lose all or part
of our investment in those operations. As we expand into international
operations, we will be increasingly subject to various risks associated with
international operations in addition to the other business risks described in
this memorandum. These risks include the following:

o    management of a multi-national organization,

o    compliance with local laws and regulatory requirements, as well as changes
     in those laws and requirements,

o    restrictions on the repatriation of funds,

o    employment and severance issues,

o    overlap of tax issues,

o    the business and financial condition of any overseas business partners,

o    political and economic conditions abroad, and

o    the possibility of
          - expropriation or nationalization of assets,
          - supply disruptions,
          - currency controls,
          - exchange rate fluctuations, or
          - changes in tax laws, tariffs, and freight rates.


FORWARD-LOOKING STATEMENTS

This report on Form 10-QSB includes "forward-looking statements" within the
meaning of Section 27A of the Securities Act of 1933 and Section 21E of the
Securities Exchange Act of 1934. These forward-looking statements may relate to
such matters as anticipated financial performance, future revenues or earnings,
business prospects, projected ventures, new products and services, anticipated
market performance and similar matters. The Private Securities Litigation Reform
Act of 1995 provides a safe harbor for forward-looking statements. To comply
with the terms of the safe harbor, we caution readers that a variety of factors
could cause our actual results to differ materially from the anticipated results
or other expressed in our forward-looking statements. These risks and
uncertainties, many of which are beyond our control, include (i) the outcome of
pending litigation, (ii) the sufficiency of our existing capital resources and
our ability to raise additional capital to fund cash requirements for future
operations, (iii) our ability to meet ongoing royalty payments owed, (iv) our
ability to sustain sales of major product lines notwithstanding the removal of
certain highly acknowledged and popular content, (v) uncertainties involved in
our ability to introduce new products, (vi) our ability to retain key executives
and other personnel, (vii) product returns exceed reserves, (viii) potential
infringement of the intellectual property rights of others, and (ix) general
economic conditions. Although we believe that the expectations reflected in
these forward-looking statements are reasonable, we cannot give any assurance
that such expectations reflected in these forward-looking statements will prove
to have been correct.


We cannot guarantee any future results, levels of activity, performance or
achievements. Except as required by law, we undertake no obligation to update
any of the forward-looking statements in this Form 10-QSB after the date of this
report.

PART II - OTHER INFORMATION

     Item 2. CHANGES IN SECURITIES AND USE OF PROCEEDS

On March 7, 2002, pursuant to a settlement agreement resulting from our failure
to file a registration statement with the U.S. Securities and Exchange
Commission within 60 days of issuance covering certain of our common stock, and
to cause such shares of common stock to subsequently become registered, we
issued an additional six (6) common shares for each single (1) common share
originally issued under a certain stock subscription agreement dated April 28,
2000. A total of 2,175,000 common shares were issued under this settlement
agreement as follows:

  -----------------------------------------------------------------------------

         Ardt, Ronald                                                   204,000
         Ardt, Thomas                                                    24,000
         Al Khiyami, Ahmad                                               75,000
         Bingham, Bing                                                   30,000
         Blair, Stan                                                     30,000
         Bradford, Thomas E. Jr.                                         30,000
         Buck, W.P.                                                      30,000
         Crowe, Robert R.                                                30,000
         Ewing, Ralph                                                    36,000
         Gilbert, Roy W. Jr.                                             30,000
         Harrison, Donald E.                                             75,000
         Hani, Zaid                                                       9,000
         Heusinkveld, Bob                                                60,000
         Jacks, Hugh B.                                                  45,000
         Jager, Charles M.                                               10,500
         Jager, Steve                                                    10,500
         Morgan, Jeff                                                    36,000
         Padgett, John B.                                                15,000
         Richardson, John B.                                             15,000
         Rueb, Cory J.                                                   75,000
         Sandlin, Ollie                                                  45,000
         Spain, Billy W.                                                 30,000
         Sullivan, Dr. Jack                                              45,000
         Upton, Kent A.                                                  45,000
         Walker, James O.                                                60,000
         Wolfe, Betty                                                    36,000
         Business Investor Services, Inc.                               360,000
         Jager Companies, Inc.                                            9,000
         Jernigan Family Partnership II                                  75,000
         LifeWay Christian Resources of the Southern Baptist
         Convention                                                     600,000

Item 3. DEFAULTS UPON SENIOR SECURITIES

The Company is in default on the following notes payable:

         AIM Financial Advisors, Inc.                                  $33,000
         AIM Securities, Inc.                                           33,000
         Business Investor Services, Inc.                               33,000

All notes were due on November 6, 2001, are secured by accounts receivable, and
carry a 15% interest rate. On April 22, 2002, Ronald Ardt , representing all
three related entities, made written demand for immediate payment of the
principal and related accrued interest of $12,391.


Item 6. EXHIBITS AND REPORTS ON FORM 8-K

(a)  Exhibits

3.1 Articles of Incorporation of FindEx.com, Inc., incorporated by reference to
Exhibit 3.1 on Form 8-K filed March 15, 2000.

3.2 By-Laws of FindEx.com, Inc., incorporated by reference to Exhibit 3.2 on
Form 8-K filed March 15, 2000.

(b) Reports on Form 8-K and Form 8-K/A filed during the three months ended March
31, 2002:

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 hereunto duly authorized.

FINDEX.COM, INC.

By:  /s/ Steven Malone
     ---------------------------
         Steven Malone
         President & CEO

By:  /s/ Kirk Rowland
     ---------------------------
         Kirk Rowland, CPA
         Chief Financial Officer

May 15, 2002

<PAGE>


                        FindEx.com, Inc.
              CONDENSED CONSOLIDATED BALANCE SHEET
                         March 31, 2002
                          (UNAUDITED)

<TABLE>
<S>                                                                <C>
                                   ASSETS

CURRENT ASSETS
       Cash and cash equivalents
           Unrestricted cash - overdraft                                $         (13,461)
           Restricted cash                                                         13,665
                                                                        ------------------
                Total cash and cash equivalents                                       204
       Accounts receivable, trade                                                 428,215
       Inventories                                                                532,044
       Other current assets                                                        19,849
                                                                        ------------------

           TOTAL CURRENT ASSETS                                                   980,312
                                                                        ------------------

PROPERTY AND EQUIPMENT, net                                                        95,898
                                                                        ------------------

OTHER ASSETS
       Software license, net                                                    3,650,429
       Other assets                                                                12,558
                                                                        ------------------
           TOTAL OTHER ASSETS                                                   3,662,987
                                                                        -----------------

           TOTAL ASSETS                                                 $       4,739,197
                                                                        ==================


              LIABILITIES AND STOCKHOLDERS' EQUITY
CURRENT LIABILITIES
       License fees payable                                             $       1,051,785
       Notes payable                                                              749,000
       Accrued royalties                                                        2,106,167
       Accounts payable                                                         1,212,493
       Current maturities of long-term notes payable (Note 2)                      53,676
       Other current liabilities                                                1,409,167
                                                                        ------------------
           TOTAL CURRENT LIABILITIES                                            6,582,288
                                                                        ------------------

LONG-TERM LIABILITIES
       Long-term notes payable (Note 2)                                            92,194
       Non-current deferred taxes                                               1,094,043
                                                                        ------------------

           TOTAL LONG-TERM LIABILITIES                                          1,186,237
                                                                        ------------------

STOCKHOLDERS' EQUITY (Note 3)
       Preferred stock, Series A, $.001 par value, 5,000,000
           shares authorized, 11,400 shares issued and outstanding                     11
       Preferred stock, Series B, $.001 par value, 5,000,000
           shares authorized, 40,000 shares issued and outstanding                     40
       Common stock, $.001 par value, 50,000,000 shares
           authorized, 13,396,599 shares issued and outstanding                    13,396
       Paid-in capital                                                          6,871,555
       Retained (deficit)                                                      (9,914,330)
                                                                        ------------------
           TOTAL STOCKHOLDERS' EQUITY                                          (3,029,328)
                                                                        ------------------

           TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                   $       4,739,197
                                                                        ==================
</TABLE>


   The accompanying notes are an integral part of these financial statements.


<PAGE>

                            FindEx.com, Inc.
            CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
                  FOR THE THREE MONTHS ENDED MARCH 31,
                              (UNAUDITED)

<TABLE>
<S>                                                  <C>                       <C>
                                                               2001                       2002
                                                     -----------------------    -----------------------

REVENUES, net of reserves and allowances                    $     1,130,722            $       931,704

COST OF SALES                                                       443,852                    157,887
                                                     -----------------------    -----------------------

GROSS PROFIT                                                        686,870                    773,817

OPERATING EXPENSES
         Sales                                                      148,428                    183,536
         General and administrative                                 713,943                    398,241
         Depreciation and amortization                              135,076                    133,840
                                                     -----------------------    -----------------------
                 TOTAL OPERATING EXPENSES                           997,447                    715,617
                                                     -----------------------    -----------------------

EARNINGS (LOSS) FROM OPERATIONS                                    (310,577)                    58,200
                                                     -----------------------    -----------------------

OTHER INCOME (EXPENSES)
         Interest income                                              6,469                         25
         Other income                                                 2,477                          -
         Interest expense                                           (16,576)                   (22,800)
                                                     -----------------------    -----------------------
                 NET OTHER INCOME (EXPENSES)                         (7,630)                   (22,775)
                                                     -----------------------    -----------------------

NET INCOME (LOSS) BEFORE INCOME TAXES                              (318,207)                    35,425

         INCOME TAXES (Note 4)                                       37,000                     53,000
                                                     -----------------------    -----------------------

NET INCOME (LOSS)                                    $             (281,207)    $               88,425
                                                     =======================    =======================

NET EARNINGS (LOSS) PER SHARE (Note 5)
                 Basic                               $                ($.03)                      0.01
                                                     =======================    =======================
                 Diluted                             $                ($.03)                      0.01
                                                     =======================    =======================

WEIGHTED NUMBER OF SHARES OUTSTANDING (Note 5)
                 Basic                                           10,534,026                 11,956,599
                                                     =======================    =======================
                 Diluted                                         10,534,026                 12,110,599
                                                     =======================    =======================
</TABLE>


   The accompanying notes are an integral part of these financial statements.

<PAGE>

                         FindEx.com, Inc.
          CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
               FOR THE THREE MONTHS ENDED MARCH 31,
                            (UNAUDITED)
<TABLE>
<S>                                                               <C>              <C>
                                                                        2001           2002
                                                                    -------------  --------------
CASH FLOWS FROM OPERATING ACTIVITIES
     Cash received from customers                                   $  1,306,958   $     929,802
     Cash paid to suppliers and employees                             (1,274,941)       (888,213)
     Interest paid                                                             -          (6,224)
     Interest received                                                       568              25
     Income taxes paid                                                   (32,000)              -
                                                                    -------------  --------------

             NET CASH PROVIDED (USED) BY OPERATING ACTIVITIES                585          35,390
             --------------------------------------------------------------------  --------------

CASH FLOWS FROM INVESTING ACTIVITIES
     Acquisition of property, plant and equipment                         (2,034)        (11,676)
     Deposits made                                                       (15,000)              -
     Cash received from software license adjustment                       25,073               -
                                                                    -------------  --------------

             NET CASH PROVIDED (USED) BY INVESTING ACTIVITIES              8,039         (11,676)
             --------------------------------------------------------------------  --------------

CASH FLOWS PROVIDED BY FINANCING ACTIVITIES
     Proceeds from line of credit                                              -          (2,051)
     Payments made on long-term debt                                           -          (8,599)
     Refund on stock subscriptions                                             -         (20,000)
                                                                    -------------  --------------

             NET CASH PROVIDED BY FINANCING ACTIVITIES                         -         (30,650)
                                                                    -------------  --------------

NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS                       8,624          (6,936)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD                            21,768           7,140
                                                                    -------------  --------------

             CASH AND CASH EQUIVALENTS, END OF PERIOD               $     30,392    $        204
                                                                    =============  ==============

RECONCILIATION OF NET INCOME (LOSS) TO CASH FLOWS FROM OPERATING ACTIVITIES
     Net income (loss)                                              $   (281,207)   $     88,425
     Adjustments to reconcile net income (loss) to net cash
        provided by operating activities:
          Depreciation & amortization                                    135,076         133,840
          Stock issued for services                                       94,545               -
        Change in assets and liabilities:
          Decrease in accounts receivable                                309,645          31,956
          Decrease in inventories                                        117,630         114,202
          (Increase) decrease in prepaid expenses                         (5,070)          1,619
          Increase (decrease) in accounts payable                            798        (225,881)
          (Decrease) in income taxes payable                             (32,000)              -
          (Decrease) in deferred taxes                                   (37,000)        (53,000)
          Increase in accrued royalties                                  137,000          23,473
          (Decrease)  in other liabilities                              (438,832)        (79,244)
                                                                    -------------  --------------

             NET CASH PROVIDED (USED) BY OPERATING ACTIVITIES       $        585    $     35,390
                                                                    =============  ==============
</TABLE>


   The accompanying notes are an integral part of these financial statements.



<PAGE>
                                 FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                 March 31, 2002
                                   (unaudited)

NOTE 1 - BASIS OF PRESENTATION

The accompanying unaudited condensed consolidated financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-QSB and Item 310 of
Regulation S-B. Accordingly, they do not include all of the information and
footnotes required by generally accepted accounting principles for complete
financial statements. The accompanying unaudited condensed consolidated
financial statements reflect all adjustments that, in the opinion of management,
are considered necessary for a fair presentation of the financial position,
results of operations, and cash flows for the periods presented. The results of
operations for such periods are not necessarily indicative of the results
expected for the full fiscal year or for any future period. The accompanying
financial statements should be read in conjunction with the audited consolidated
financial statements of Findex.com, Inc. included in our Form 10-KSB for the
fiscal year ended December 31, 2001.

NOTE 2 - LONG-TERM NOTES PAYABLE

On January 31, 2002, the Company refinanced $154,468 of trade accounts payable
by issuing a long-term note payable to a corporation. The term note is unsecured
and due October 2004 in monthly installments of $5,285, including interest at
8%.

Principal maturities at March 31, 2002 are as follows:

         March 31
           2003                 $53,676
           2004                  58,125
           2005                  34,069
                         ---------------
                               $145,870
                         ===============

NOTE 3 - STOCKHOLDERS' EQUITY

Common Stock

On March 7, 2002, pursuant to a settlement agreement, the Company issued an
additional six common shares for each common share originally issued under the
stock subscription agreement dated April 28, 2000. A total of 2,175,000 common
shares were issued under this settlement agreement.

NOTE 4 - INCOME TAXES

The benefit for taxes on income for the three months ended March 31 consisted of
the following:

                                      2002                2001
                                  --------------     ---------------
         Current:
              Federal                   $ ---               $ ---
              State                       ---                 ---
                                  --------------     ---------------
                                          ---                 ---
                                  --------------     ---------------
         Deferred:
              Federal                    42,900              37,000
              State                      10,100               ---
                                  --------------     ---------------
                                         53,000              37,000
                                  --------------     ---------------
         Total tax benefit              $53,000             $37,000
                                  ==============     ===============

The reconciliation of income tax computed at statutory rates of income tax
benefits is as follows:

         Expense at Federal statutory rate - 34%                 $5,314
         State tax effects                                     (10,100)
         Nondeductible expenses                                     789
         Taxable temporary differences                         (42,900)
         Deductible temporary differences                         9,813
         Deferred tax asset valuation allowance                (15,916)
                                                         ---------------
              Income tax benefit                              $(53,000)
                                                         ===============
<PAGE>

                                  FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                 March 31, 2002
                                   (unaudited)

NOTE 5 - EARNINGS PER COMMON SHARE

Earnings per common share are computed by dividing net income (loss) by the
weighted average number of common shares and common stock equivalents
outstanding during the year. Common stock equivalents are the net additional
number of shares that would be issuable upon the exercise of the outstanding
common stock options, assuming that the Company reinvested the proceeds to
purchase additional shares at market value. A total of 4,633,200 and 2,256,700
potentially dilutive securities for the three months ended March 31, 2002 and
2001, respectively, have been excluded from the computation of diluted earnings
per share, as their inclusion would be anti-dilutive.

The following table shows the amounts used in computing earnings per share and
the effect on income (loss) and the average number of shares of dilutive
potential common stock:
<TABLE>
<S>                                                           <C>                 <C>                   <C>
         For the Three Months Ended March 31, 2001               Income (Loss)           Shares            Per-share
                                                                  (Numerator)         (Denominator)         Amount
         --------------------------------------------------     ----------------    ------------------    ------------
         Net Loss                                                    $(281,207)
         Less preferred stock dividends                               --
                                                                ----------------
         Loss available to common
            stockholders-basic earnings per share                     (281,207)            10,534,026          $(.03)
                                                                                                          ============
         Effect of Dilutive Securities
            Options                                                   --                   --
            Convertible notes payable                                 --                   --
            Convertible Preferred Series A                            --                   --
            Convertible Preferred Series B                            --                   --
            Warrants                                                  --                   --
                                                                ----------------    ------------------
         Income available to common
            stockholders-diluted earnings per share                  $(281,207)            10,534,026          $(.03)
                                                                ================    ==================    ============

                                                                 Income (Loss)           Shares            Per-share
         For the Three Months Ended March 31, 2002                (Numerator)         (Denominator)         Amount
         --------------------------------------------------     ----------------    ------------------    ------------
         Net Income                                                     $88,425
         Less preferred stock dividends                               --
                                                                ----------------
         Income available to common
            stockholders-basic earnings per share                        88,425            11,956,599            $.01
                                                                                                          ============
         Effect of Dilutive Securities
            Options                                                   --                   --
            Convertible notes payable                                 --                   --
            Convertible Preferred Series A                            --                      114,000
            Convertible Preferred Series B                            --                       40,000
            Warrants                                                  --                   --
                                                                ----------------    ------------------
         Income available to common
            stockholders-diluted earnings per share                     $88,425            12,110,599            $.01
                                                                ================    ==================    ============
</TABLE>

NOTE 6 - COMMITMENTS AND CONTINGENCIES

The Company is subject to legal proceedings and claims that arise in the
ordinary course of its business. In the opinion of management, the amount of
ultimate liability with respect to these actions will not materially affect the
financial position of the Company.

On November 14, 2001, The Zondervan Corporation elected to enforce a court order
and served notice that we cease selling, marketing and manufacturing all
products containing their copyrighted material. We are abiding by the court
order and are no longer shipping products containing Zondervan's copyrighted
material. We are continuing negotiations with Zondervan to reach a settlement
that will allow us to resume shipment of those products. Company management
believes the amount of any potential loss cannot be reasonably estimated.

The Company has reached tentative settlement in a dispute with The Learning
Company over various provisions of several agreements, including the software
license agreement. Ultimate disposition of this tentative settlement is
contingent upon settlement of negotiations with The Zondervan Corporation.
Company management believes the amount of any potential loss cannot be
reasonably estimated.
<PAGE>

                                FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                 March 31, 2002
                                   (unaudited)

NOTE 7 - RISKS AND UNCERTAINTIES

The Company's future operating results may be affected by a number of factors.
The Company is dependent upon a number of major inventory and intellectual
property suppliers. If a critical supplier had operational problems or ceased
making material available to the Company, operations could be adversely
affected. The Company is also dependent upon a few major customers. If any of
these customers experienced operational problems or ceased placing orders with
the Company, operations could also be adversely affected.

On April 22, 2002, the Company received written demand for payment of each of
the $33,000 notes payable and related accrued interest. We are continuing
negotiations to rewrite these demand notes.

NOTE 8 - GOING CONCERN

The accompanying financial statements have been prepared assuming the Company
will continue as a going concern. The Company has a history of operating losses,
a negative current ratio and total liabilities in excess of total assets. Those
factors, as well as uncertainty in securing financing for continued operations,
uncertainty related to the outcomes of disputes with Zondervan and TLC, and the
uncertainty related to renegotiation of the demand notes payable, create an
uncertainty about the Company's ability to continue as a going concern.
Management of the Company has developed a plan to reduce its liabilities through
sales of a new release of one of the Company's flagship software titles. The
ability of the Company to continue as a going concern is dependent on the
acceptance of the plan by the Company's creditors, the plan's success, and the
renegotiation of the demand notes payable. The financial statements do not
include any adjustments that might result from the outcome of this uncertainty.

<PAGE>