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, 2001

                          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: 10,556,109 shares as of May 1, 2001.


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

FindEx.com, Inc ("the Company") was incorporated under the laws of the State of
Delaware on December 26,1995 as FinSource, Ltd. In April 1999 the company merged
with FINdex Acquisition Corporation, (FAC) a Delaware corporation in a stock for
stock transaction. Then on April 30, 1999 the Company was acquired by EJH
Entertainment, Inc.(EJH) a Nevada corporation in a stock for stock transaction
and the name of the Company was changed to FindEx.com, Inc. Both the merger with
FAC and the acquisition by EJH were treated as reorganization mergers with the
Company.

Pursuant to a Share Exchange Agreement dated March 07, 2000, FindEx.com, Inc., a
Nevada corporation, acquired all of the issued and outstanding capital stock of
Reagan Holdings, Inc. ("Reagan") from the shareholders of Reagan in a pro rata
exchange for an aggregate of 150,000 shares of FindEx.com's common stock, par
value $0.001 per share (the "Share Exchange"). As a result of the Share
Exchange, 100% of the outstanding capital stock of Reagan is owned by FindEx.com
and Reagan became a wholly-owned subsidiary of FindEx.com. Upon effectiveness of
the Share Exchange, pursuant to Rule 12g-3(a) of the General Rules and
Regulations of the Securities and Exchange Commission, FindEx.com became the
successor issuer to Reagan for reporting purposes under the Securities Exchange
Act of 1934.

The Company is a retail, wholesale and internet supplier of software products to
business and religious organizations and individuals. In July of 1999 the
Company completed an exclusive license agreement with Mattel Corporation for the
Parsons Church Division of Mattel. In so doing, FindEx.com obtained the
exclusive right to market, sell and continue to develop several bible study
software products. The Company develops and publishes church and bible study
software products designed to simplify biblical research, and streamline church
office tasks.

Since our acquisition of the Parsons Church Division from Mattel Corporation, we
have expanded our presence in the Christian Booksellers Association (CBA)
marketplace, lost our presence in the secular retail marketplace, re-established
our presence in the secular market and expanded that presence to the point that
we have a larger presence than before. We have been aggressively pursing our
business plan to be the premier provider of Bible study and related products and
content to the domestic and international markets through both acquisition of
established companies and ongoing internal development of products and
Bible-related content, to build upon the Company's existing financial
information products and services, and to offer additional technology, products
and services that are synergistic to the affinity group FindEx already serves.
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 product,
Membership Plus. We are currently researching new opportunities in technology
for our existing software titles and expanding our financial product line.

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<PAGE>


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) for
the three months ended March 31, 2001 was a loss of approximately $175,500. This
loss includes non-cash expenses recorded during the period. We recognized
expenses of $18,185 relating to 35,750 common shares issued to an individual for
investor relations services, $39,501 relating to a warrant to purchase up to
100,000 shares of our common stock issued to Genesis Financial Group, LLC for
consulting services, and $36,859 relating to a warrant to purchase up to 100,000
shares of our common stock issued to a law firm in consideration of legal
services.

Revenues

Revenues from the sale of software are recognized when the product is shipped.
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." We
reproduce and distribute the Zondervan NIV Bible pursuant to a 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 31% of our revenues in fiscal
2000. 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 are
terminating our rights under the licensing agreement. We are currently
negotiating a settlement with the Zondervan Corporation, which we believe will
allow us to continue reproducing and distributing products containing their
content. However there can be no assurance that we will be able to negotiate a
satisfactory settlement and a termination of our rights under the licensing
agreement would have a material adverse effect on our business.

Gross revenues decreased from $2,135,481 for the three months ended March 31,
2000 to $1,403,842 for the three months ended March 31, 2001. Gross revenues for
2000 reflect the introduction of one new title, QuickVerse Essentials. The
Company did not introduce any new titles or upgrades during the first quarter of
2001. In addition to the new title released in the first quarter of 2000, sales
would also reflect reorders resulting from the fourth quarter 1999 release of
QuickVerse version 6 and Membership Plus version 6. Sales for the first quarter
of 2001 reflect reorders from the fourth quarter 2000 release of only one title,
QuickVerse version 7 (QV7). In addition, due to our ongoing dispute with The
Learning Company (TLC and formerly Mattel Corporation) and their decision to
reduce their workforce and product lines, sales to their "direct to consumer"
division decreased from $1,128,389, or 53% of gross sales, for the three months
ended March 31, 2000, to $235,419, or 17% of gross sales, for the three months
ended March 31, 2001. Gross sales to customers other than The Learning Company
increased from $1,007,092 for 2000 to $1,168,423 for 2001.

The provision for sales returns increased from $94,900 for the three months
ended March 31, 2000 to $203,400 for the three months ended March 31, 2001. The
Company experienced larger product returns during the first quarter of 2001 than
during the same period of 2000. Product returns are typically higher in the
secular marketplace than the Christian marketplace. As the distributors place
the products into the secular retail channel, they monitor the sell-through
rates of those products and generally return quantities of those that aren't
selling as anticipated. This practice contrasts with the Christian marketplace
in that the quantities ordered are generally smaller and the retailer is willing
to hold on to the products for a longer period of time before making the
decision to return. The release of QV7 in November 2000 also increased the
quantity of returns of prior versions as stores made shelf space. With our
expanded presence in the

                                       2
<PAGE>

secular retail market, we increased our provision for anticipated returns of
channel inventory at March 31, 2001 compared with the prior year.

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 and package software products. The direct costs and manufacturing
overhead remained steady increasing only slightly from 20.7% of gross revenues
in 2000 to 21.8% of gross revenues in 2001. Royalties to third party providers
of intellectual property also increased from 6.9% of gross revenues in 2000 to
9.9% of gross revenues in 2001. The primary reason for the royalty increase in
2001 stems from content additions to QV7. Several new titles were added and the
entire content of the QuickVerse Greek Edition was included as basic content of
the Deluxe version while continuing to be marketed as a separate product.

SALES, GENERAL AND ADMINISTRATIVE

Operating expenses for 2001 include approximately $94,500 in non-cash expenses
for stock and warrants issued for services (see "RESULTS OF OPERATIONS" above).

Sales expenses reflect a decrease in the provision for technical support costs
and advertising costs. The Company 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 The Learning Company 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 $30,000 from 2000 to 2001 primarily from
a reduction in development staff. 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. Corporate services decreased approximately $65,000
from a reduction in business consulting and valuation services contracts.
Investor services decreased approximately $41,000 from a change in service
providers. Legal costs increased approximately $105,000 from settlement of a
dispute with Genesis Financial Group, LLC, over payment for services provided
during 1999 and 2000, and from consultation provided regarding our dispute with
TLC. It is anticipated that legal costs will continue to be higher than those
recorded in the comparable prior year period until the dispute with TLC is
finally resolved.

Costs associated with acquiring Reagan Holdings, Inc. amounted to $150,000 for
the first quarter of 2000. The Company did not have any business combinations
during the first quarter of 2001. Acquisition costs are expected to continue as
we pursue our business plan for growth by acquiring companies that are
synergistic with our current product line and customer base.

Amortization decreased from $156,777 for the three months ended March 31, 2000,
to $135,076 for the three months ended March 31, 2001, due to the expiration of
a minor software license agreement on September 30, 2000.

LIQUIDITY AND CAPITAL RESOURCES

As of March 31, 2001, FindEx had $4,927,792 in current assets, $5,389,192 in
current liabilities and a retained deficit of $2,444,489. We had a net loss of
$281,207 for the three months ended March 31, 2001. Operating expenses for the
three-month period ended March 31, 2001 included approximately $94,500 in
non-cash expenses related to stock issued for services (see "RESULTS OF
OPERATIONS" above). Positive cash flow from operations for the period was $585.

To date, FindEx has funded its purchase of the Parsons Church Division primarily
through operations. In addition, a dispute with The Learning Company (TLC) over
specific performance provisions of and

                                       3
<PAGE>

payments due on the Finished Goods
Distribution Agreement has also lead to a shortage of working capital.
Discussions and negotiations are ongoing with TLC and we believe that rapid
resolution of the dispute will provide cash flow sufficient to fund operation
needs allowing equity capital to fund product development and expansion of our
business plan.

On March 26, 2001, the Company entered into a binding letter of intent with an
institutional private equity investor, (the "Letter of Intent") pursuant to
which the Company has the ability to require such investor to purchase up to $15
million of the Company's common stock from time to time over a period of up to
36 months (the "Term"). The shares will be sold to a private institutional
investor at a discount to the market price of the common stock at the time of
sale. During any twenty (20) day period during the Term, the Company will have
the ability to require such investor to purchase up to $2 million of its common
stock, subject to certain limitations based upon our trading volume and share
price. FindEx plans to use funds received from this offering to liquidate
accounts payable, accrued royalties to content providers, and the aforementioned
note agreements. In addition, part of the proceeds will be retained for working
capital purposes and part will be used to fund future product development
efforts.

The consummation of the financing contemplated by the Letter of Intent is
subject to numerous conditions, certain of which are outside our control,
including the investor's completion of its due diligence, our entry into
definitive agreements with the investor and the effectiveness with the
Securities and Exchange Commission of a registration statement covering the
resale of the shares to be issued to such investor, and there can be no
assurance that the financing will be consummated on the term described herein,
or at all. Such equity financing, if available, will likely result in
substantial dilution to FindEx's stockholders.

In order to maintain current level of operations, the Company will need to
secure additional funding sources to meet its operating expenses. Such funding
sources may include, but are not limited to, funding pursuant to the Letter of
Intent described above, private placements of common or convertible equities,
placement of debt with banks, private or public investors, or other lending
institutions.

The Company believes that through a combination of outside sources of capital
and revenues generated from sales it will have sufficient sources of capital to
meet its operating needs. However, any substantial delays in receipt of or
failure to obtain such capital will prevent the Company from operating as a
going concern, given its 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 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. For instance, delays in duplication, packaging and distribution caused
our QuickVerse version 7.0 to begin arriving at retailers over the Thanksgiving
holiday. As a result, we experienced fewer sales of these products than we would
have if the products were in stores before the holiday selling season began,
which had a materially adverse effect on our operating results for the 2000
fourth quarter. 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
entered into binding letter of intent with a private institutional investor on
March 26, 2001 pursuant to

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<PAGE>

which such investor agreed to purchase up to $15
million of our common stock upon certain terms and conditions over a period of
thirty-six months. We believe we will need to receive this 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 this
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 the additional funding, then 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.

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.

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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:

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

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

 *       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

                                       6
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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.

Our inability to manage these and other risks effectively could increase our
expenses or decrease our opportunities to generate revenue.

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<PAGE>

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 sufficiency
of our existing capital resources and our ability to raise additional capital to
fund cash requirements for future operations, (ii) uncertainties involved in the
rate of growth and acceptance of the Internet, (iii) adoption by the Christian
community of electronic technology for gathering information, facilitating
e-commerce transactions, and providing new products, websites, and services,
(iv) volatility of the stock market, particularly within the technology sector,
and the ability to use our capital stock as a currency for acquisitions, and (v)
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 January 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 12,500 common shares valued
at $.45 per share.

On February 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 12,500 common shares valued
at $.42 per share.

On February 19, 2001, in compromise and settlement of a consulting agreement
with Genesis Financial Group, LLC, FindEx issued warrants to purchase 100,000
common shares exercisable at $.50 per share. These warrants were valued at $.40
per share.

On March 7, 2001, pursuant to an agreement with a law firm to provide corporate
legal services, FindEx issued warrants to purchase 100,000 common shares
exercisable at $.01 per share. These warrants were valued at $.37 per share.

On March 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 10,750 common shares valued
at $.68 per share.

Item 6. EXHIBITS AND REPORTS ON FORM 8-K

(a)  Exhibits

None

(b) Reports on Form 8-K and Form 8-K/A filed during the three months ended March
31, 2001:

Current Report on Form 8-K filed on March 5, 2001, reporting under Item 5 the
appointment of Steven Malone as President and Chief Executive Officer.

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<PAGE>

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 P. Malone
     ---------------------------
          Steven P. Malone
          President & CEO

May 14, 2001

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<PAGE>



                                FindEx.com, Inc.
                      CONDENSED CONSOLIDATED BALANCE SHEETS

<TABLE>
<S>                                                                   <C>                 <C>

                                                                                             March 31, 2001
                                                                       December 31, 2000      (UNAUDITED)
                                                                            ------------      ------------
                                     ASSETS
CURRENT ASSETS
      Cash and cash equivalents                                             $     21,768    $     30,392
      Accounts receivable, trade
      (net of allowance of $22,000 and $21,167, respectively)                  3,884,858       3,575,213
      Inventories                                                                617,902         500,272
      Other current assets                                                       779,845         821,915
                                                                            ------------    ------------

      TOTAL CURRENT ASSETS                                                     5,304,373       4,927,792
                                                                            ------------    ------------

PROPERTY AND EQUIPMENT, net                                                      107,126         102,047
                                                                            ------------    ------------
OTHER ASSETS

     Licenses, net                                                             4,279,813       4,153,936
     Oicenses, net                                                               340,005         352,919
                                                                            ------------    ------------
      TOTAL OTHER ASSETS                                                       4,619,818       4,506,855
                                                                            ------------    ------------

      TOTAL ASSETS                                                          $ 10,031,317    $  9,536,694
                                                                            ============    ============



                      LIABILITIES AND STOCKHOLDERS' EQUITY
CURRENT LIABILITIES

     Accounts payable                                                       $  1,188,289    $  1,189,086

     Notes payable                                                               749,000         749,000

     Accrued royalties                                                         1,625,427       1,762,427

     Accrued income taxes                                                         39,284           7,284

                                       10
<PAGE>

     License fees payable                                                      1,026,712       1,051,785

     Other current liabilities                                                 1,068,441         629,610
                                                                            ------------    ------------


      TOTAL CURRENT LIABILITIES                                                5,697,153       5,389,192
                                                                            ------------    ------------


STOCKHOLDERS' EQUITY
     Preferred stock, Series A, $.001 par value, 5,000,000
        shares authorized, 15,000 shares issued and outstanding                       15              15

     Preferred stock, Series B, $.001 par value, 5,000,000
        shares authorized, 40,000 shares issued and outstanding                       40              40

     Common stock, $.001 par value, 50,000,000 shares
       authorized, 10,509,609 and 10,545,359 shares issued and
        outstanding, respectively (Note 2)                                        10,509          10,545

      Paid-in capital                                                          6,486,881       6,581,391
      Retained (deficit)                                                      (2,163,281)     (2,444,489)
                                                                            ------------    ------------
      TOTAL STOCKHOLDERS' EQUITY
                                                                               4,334,164       4,147,502
                                                                            ------------    ------------

      TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                            $ 10,031,317    $  9,536,694
                                                                            ============    ============
</TABLE>


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



                                       11
<PAGE>



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

                                                                          2000                       2001
                                                                 -----------------------     ----------------------
REVENUES, net of reserves and allowances                       $              2,040,291    $             1,130,722

COST OF SALES                                                                   588,810                    443,852
                                                               -------------------------  -------------------------
GROSS PROFIT                                                                  1,451,481                    686,870

OPERATING EXPENSES
                Sales                                                           172,696                    148,428
                General and administrative                                    1,014,020                    713,943
                                                               -------------------------  -------------------------
                    TOTAL OPERATING EXPENSES                                  1,186,716                    862,371
                                                               -------------------------  -------------------------
EARNINGS (LOSS) BEFORE INTEREST, TAXES,
                DEPRECIATION AND AMORTIZATION                                   264,765                  (175,501)
                                                               -------------------------  -------------------------

OTHER INCOME (EXPENSES)
                Interest income                                                  1,482                      6,469
                Other income                                                     1,500                      2,477
                Depreciation and amortization                                 (156,777)                  (135,076)
                Interest expense                                               (13,673)                   (16,576)
                                                                 -----------------------  -------------------------
                    NET OTHER INCOME (EXPENSES)
                                                                              (167,468)                  (142,706)
                                                               -------------------------  -------------------------
NET INCOME (LOSS) BEFORE INCOME TAXES                                            97,297                  (318,207)

                INCOME TAXEs                                                   (41,000)                     37,000
                                                               -------------------------  -------------------------

NET INCOME (LOSS)                                              $                 56,297    $             (281,207)
                                                               =========================  =========================

NET EARNINGS (LOSS) PER SHARE (Note 3)
                     Basic                                     $                   0.01    $                (0.03)
                                                               =========================  =========================
                    Diluted                                     $                  0.01      $              (0.03)
                                                               =========================  =========================

WEIGHTED NUMBER OF SHARES OUTSTANDING
                     Basic                                                    9,140,116                 10,534,026
                                                               =========================  =========================
                    Diluted                                                   9,407,616                 10,534,026
                                                               =========================  =========================
</TABLE>


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

                                       12
<PAGE>

                                                  FindEx.com, Inc.
                                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                        FOR THE THREE MONTHS ENDED MARCH 31,
                                                    (UNAUDITED)
<TABLE>
<S>                                                                        <C>                   <C>
                                                                                  2000                   2001
                                                                            ------------------     ------------------
                                                                            ------------------
CASH FLOWS FROM OPERATING ACTIVITIES
         Cash received from customers                                       $       2,940,679      $       1,306,958
         Cash paid to suppliers and employees                                     (1,968,853)            (1,274,941)

         Interest paid                                                                (1,423)                      -

         Interest received                                                              1,482                    568

         Income taxes paid                                                                  -               (32,000)
                                                                            ------------------     ------------------

             NET CASH PROVIDED BY OPERATING ACTIVITIES                                971,885                    585
                                                                            ------------------     ------------------
CASH FLOWS FROM INVESTING ACTIVITIES

         Cash received in merger with Reagan Holdings, Inc.                               701                      -

         Acquisition of property, plant and equipment                                (16,705)                (2,034)

         Deposits made                                                                      -               (15,000)

         Cash received from software license adjustment                                     -                 25,073

         Cash paid for software license agreement                                 (1,536,375)                      -
                                                                            ------------------     ------------------

             NET CASH (USED) PROVIDED BY INVESTING ACTIVITIES                     (1,552,379)                  8,039
                                                                            ------------------     ------------------
CASH FLOWS PROVIDED BY FINANCING ACTIVITIES

         Proceeds from issuance of notes payable                                      450,000                      -
                                                                            ------------------       ----------------

NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS                                (130,494)                  8,624
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD                                        147,272                 21,768
                                                                            ------------------     ------------------

                                                                            $          16,777      $          30,392
                                                                            ==================     ==================

RECONCILIATION OF NET INCOME (LOSS) TO CASH FLOWS FROM OPERATING ACTIVITIES
         Net income (loss)                                                  $          56,297      $       (281,207)
         Adjustments to reconcile net income (loss) to net cash provided by
             operating activities:
               Depreciation & amortization                                            156,777                135,076

               Stock issued for services                                                    -                 94,545
             Change in assets and liabilities:
               Decrease in accounts receivable                                        830,889                309,645
               (Increase) decrease in inventories                                    (57,645)                117,630

               (Increase) decrease in prepaid expenses                                 11,519                (5,070)

               Increase (decrease) in accounts payable                              (160,255)                    798
               Increase (decrease) in income taxes payable                             41,000               (32,000)

               (Decrease) in deferred taxes                                                 -               (37,000)

                                       13
<PAGE>

               Increase in accrued royalties                                           78,818                137,000
               Increase (decrease)  in other liabilities                               14,485              (438,832)
                                                                            ------------------     ------------------


             NET CASH PROVIDED BY OPERATING ACTIVITIES                      $         971,885      $             585
                                                                            ==================     ==================
</TABLE>

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



<PAGE>


                                FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                 March 31, 2001
                                   (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, 2000.

NOTE 2 - STOCKHOLDERS' EQUITY

Common Stock

On January 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 12,500 common shares valued
at $.45 per share.

On February 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 12,500 common shares valued
at $.42 per share.

On March 15, 2001, pursuant to a consulting agreement with an individual to
provide investor relations services, FindEx issued 10,750 common shares valued
at $.68 per share.

Warrants

On February 19, 2001, in compromise and settlement of a consulting agreement,
FindEx issued warrants to purchase 100,000 common shares exercisable at $.50 per
share. The warrants are currently exercisable and expire in February 2008. The
fair value of the warrants is estimated on the date of grant using the
Black-Scholes option-pricing model with the same assumptions indicated in Note 4
below. In association with the warrants, the Company recognized $39,501 of
consulting expense.

On March 7, 2001, pursuant to an agreement with a law firm to provide corporate
legal services, FindEx issued warrants to purchase 100,000 common shares
exercisable at $.01 per share. The warrants are currently exercisable and expire
in March 2006. The fair value of the warrants is estimated on the date of grant
using the Black-Scholes option-pricing model with the same assumptions indicated
in Note 4 below. In association with the warrants, the Company recognized
$36,859 of legal expense.

NOTE 3 - 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 (see Note 4), assuming that the Company reinvested the
proceeds to purchase additional shares at market value. A total of 1,870,450 and
588,000 potentially dilutive securities for the three months ended March 31,
2001 and 2000, respectively, have been excluded from the computation of diluted
earnings per share, as their inclusion would be anti-dilutive.

                                       15
<PAGE>

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>
                                                                 Income (Loss)           Shares            Per-share
         For the Three Months Ended March 31, 2000                (Numerator)         (Denominator)         Amount
         --------------------------------------------------     ----------------    ------------------    ------------
         Net Income                                                     $56,297
         Less preferred stock dividends                               --
                                                                ----------------
         Income available to common
            stockholders-basic earnings per share                        56,297             9,140,116            $.01
                                                                                                          ============
         Effect of Dilutive Securities
            Options                                                   --                   --
            Convertible Preferred Series A                            --                      200,000
            Convertible Preferred Series B                            --                       67,500
                                                                ----------------    ------------------
         Income available to common
            stockholders-diluted earnings per share                     $56,297             9,407,616            $.01
                                                                ================    ==================    ============

                                                                 Income (Loss)           Shares            Per-share
         For the Three Months Ended March 31, 2001                (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                                                  --                   --
                                                                ----------------    ------------------
         Loss available to common
            stockholders-diluted earnings per share                  $(281,207)            10,534,026          $(.03)
                                                                ================    ==================    ============
</TABLE>

NOTE 4 - STOCK-BASED COMPENSATION

The Stock Incentive Plan (the "Plan") authorizes the issuance of various forms
of stock-based awards including incentive and nonqualified stock options, stock
appreciation rights attached to stock options, and restricted stock awards to
directors, officers and other key employees of the Company. Stock options are
granted at an exercise price as determined by the Board at the time the Option
is granted and shall not be less than the par value of such shares of Common
Stock. Stock options vest quarterly over three years and have a term of ten
years. At March 31, 2001, 7,855,800 shares were available for future issuance
under the Plan.

Effective March 5, 2001, the Company decreased the exercise price of all
outstanding employee options. The value of the original stock option at the
modification date was based on the shorter of (1) its remaining original
expected life or (2) the expected life of the new option. The fair value of the
modified option at the grant date was compared with the value at the date the
old option was repurchased (immediately before its terms were modified). The
excess of the modified option over the old option repurchased is included in the
proforma amounts indicated below.

The Company applies APB Opinion No. 25 and related interpretations in accounting
for its stock options. Accordingly, no compensation cost has been recognized for
outstanding stock options. Had compensation cost for the Company's outstanding
stock options been determined based on the fair value at the grant date for
those options consistent with SFAS No. 123, the Company's net loss and primary
and diluted earnings per share would have differed as reflected by the pro forma
amounts indicated below:

                                       16

<PAGE>

         Net loss:
         ----------------------------------
            As reported                                               $(281,207)
            Proforma                                                  $(322,386)

         Basic loss per share:
         -----------------------------------
            As reported                                                   $(.03)
            Proforma                                                      $(.03)

The fair value of each option grant is estimated on the date of grant using the
Black-Scholes option-pricing model with the following assumptions:

         Expected dividend yield                                              0%
         Expected stock price volatility                                    186%
         Risk-free interest rate                                           6.00%

The weighted average fair value of options granted during 2000 is $.54 per
share.

The following table summarizes information about stock options outstanding at
March 31, 2001.

                                               Weighted-Average      Weighted
                               Number              Remaining          Average
                           Outstanding at      Contractual Life      Exercise
Range of Exercise Prices   March 31, 2001           (Years)            Price
------------------------   ----------------    -----------------    ------------
$1.00 to $2.00                   1,144,200            9.8                 $1.01

Activity under the Company's stock option plan is summarized as follows:

                                               Outstanding Options
                                        ----------------------------------
                                   Shares            Number of         Weighted
                                                                        Average
                                Available for         Shares            Exercise
                                    Grant                                Price
                               ----------------    -------------       ---------
 Balance at December 31, 2000        7,638,800        1,361,200           $3.71
     Granted                          (83,000)           83,000           $1.00
     Canceled                          300,000        (300,000)          $11.00
     Exercised                       --              --                 --
                               ----------------    -------------
 Balance at March 31, 2001           7,855,800        1,144,200           $1.01
                               ================    =============

NOTE 5 - SUPPLEMENTAL CASH FLOW INFORMATION

The Company incurred the following non-cash investing and financing activities
during the three months ended March 31, 2001 and 2000, respectively:

                                                         2001           2000
                                                      ----------    -----------
  Common stock  and warrants issued for services       $94,545            --

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.

The Company maintains a self-insurance program for its employees' health care
costs. The Company is potentially liable for losses on claims up to $10,000 per
claim and $518,500 in total for the year. The Company has third-party insurance
coverage for any losses in excess of such amounts. Self-insurance costs

                                       17
<PAGE>

are accrued based on claims reported as of the balance sheet date as well as
an estimated liability for claims incurred but not reported.

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.

The Company is currently in dispute with The Learning Company over various
provisions of several agreements, including the software license agreement.
Company management believes the amount of the potential loss cannot be
reasonably estimated.

NOTE 8 - GOING CONCERN

The accompanying financial statements have been prepared assuming the Company
will continue as a going concern. The Company has a current period operating
loss, a negative current ratio and is dependent upon financing to continue
operations. As indicated in Note 7, the Company is currently in dispute with The
Learning Company (TLC). Sales to TLC, and subsidiaries, accounted for 41% of
consolidated revenue for the year ended December 31, 2000, and 15% for the three
months ended March 31, 2001. Accounts receivable, net of offsets, relating to
TLC was $2,947,623 as of March 31, 2001. Due to the uncertainty regarding the
timing and amount of ultimate collection, the Company is dependent upon
financing to continue operations. The financial statements do not include any
adjustments that might result from the outcome of this uncertainty. It is
management's plan to utilize external funding sources to provide cash necessary
to fund ongoing operations and the Company's business plan. However, the
anticipated offering may not provide proceeds sufficient to fund operations and
meet the needs of the Company's business plans. Management believes collection
of the TLC balance and realization of ongoing revenues would be sufficient to
fund operations and allow the external funding to meet the needs of the
Company's business plans.


                                       18
<PAGE>