UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

  (Mark One)
  [XX] Quarterly report under Section 13 or 15(d) of the Securities Exchange
  Act of 1934 For the quarterly period ended: June 30, 2003 [ ] Transition
  report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For
  the transition period from ___________ to ___________.


                           Commission File No. 0-29963

                                FINDEX.COM, INC.
        (Exact Name of Small Business Issuer as Specified in Its Charter)


                                     Nevada
                         (State or Other Jurisdiction of
                         Incorporation or Organization)


                                   88-0379462
                        (IRS Employer Identification No.)


               11204 Davenport Street, Suite 100, Omaha, NE 68154
                    (Address of Principal Executive Offices)

                                 (402) 333-1900
                           (Issuer's Telephone Number)

                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                   PROCEEDINGS DURING THE PRECEDING FIVE YEARS

         Check whether the registrant filed all documents and reports required
to be filed by Section 12, 13 or 15(d) of the Exchange Act after the
distribution of securities under a plan confirmed by a court.

Yes ___   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: 21,011,438 shares as of
August 14, 2003.

         Transitional Small Business Disclosure Format: (check one):

Yes ___   No _XX__
              --

<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 or Plan of Operation.

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. We identify forward-looking statements in this
report by using words or phrases such as "anticipate," "believe," "estimate,"
"expect," "intend," "may be," "objective," "plan," "predict," "project," and
"will be" and similar words or phrases, or the negative thereof. 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) As of June 30, 2003, our current liabilities
exceeded our current assets by $4,055,962 and our auditors included a "going
concern" footnote in our audited financial statements for our last fiscal year
ended December 31, 2002, (ii) we are currently in arrears in the payment of
approximately $253,000 of payroll taxes, (iii) the outcome of our pending
litigation with The Zondervan Corporation, (iv) the sufficiency of our existing
capital resources and our ability to raise additional capital to fund cash
requirements for future operations, (v) our ability to meet ongoing royalty
payments owed, (vi) our ability to sustain sales of major product lines
notwithstanding the removal of certain highly acknowledged and popular content,
(vii) our dependence on third parties to fulfill a significant portion of our
orders, (viii) uncertainties involved in our ability to introduce new products,
(ix) our ability to retain key executives and other personnel, (x) product
returns exceed reserves, (xi) potential infringement of the intellectual
property rights of others, and (xii) general economic conditions as well as the
other risks identified under the Section entitled "CAUTIONARY STATEMENTS AND
RISK FACTORS" in our Annual Report on Form 10-KSB for the fiscal year ended
December 31, 2002. Readers are encouraged to carefully review the risk factors
contained therein.

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.

         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 that are not yet our customers
regularly 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, 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.quickverse.com, www.parsonschurch.com, and www.memplushome.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.

We currently fulfill all of our direct-to-consumer sales out of our warehouse
located in Omaha, Nebraska and a third-party fulfillment company, also located
in Omaha, Nebraska, fulfills our boxed retail sales.

We continue to 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, one (1) new
version of QuickVerse for the Pocket PC and Palm OS hand-held market, two (2)
enhanced releases of our top financial and data management product, Membership
Plus, and one (1) new financial product, Fund Accounting Plus.

In December 2002, we released QuickVerse PDA, for Palm operating system personal
digital assistants, a software program that contains Bible translations, Bible
reference tools and scripture reading plans for users in an active, fast-paced,
mobile lifestyle. In February 2003, we released an enhanced version of Ministry
Notebook, a software program that contains essential organizational tools for
ministries such as expense tracking, contact management, scheduling, sermon and
lesson tracking, library inventory and prayer requests. We also added a
distributorship for the Veggie Tales line of software programs. Veggie Tales are
children's software programs of interactive adventures with Biblical themes. In
March 2003, we entered into a new licensing agreement, which allows us to
publish the full version of The Message. The Message, with the Old and New
Testament, is now available as an add-on product to our existing QuickVerse
users as well as to our new end user customers. In June 2003, we released an
enhanced version of the QuickVerse PDA, making it compatible on both Pocket PC
and Palm OS operating systems. In addition, we released a new title of the
QuickVerse PDA, which includes the Life Application Study Bible. 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 generally
expected to be the weakest, historically generating only about 33% of our annual
sales.

During the second quarter of 2003, the Company had a one-time, non-recurring
write down to accrued royalties of approximately $584,000. We also had a write
down of obsolete inventory approximating $32,000 during the first quarter of
2003. These non-recurring items had no effect on the cash flow statement. Net of
the non-recurring items, our net income decreased approximately $117,000 from a
net income of approximately $80,000 for the three months ended June 30, 2002 to
a net loss of approximately $37,000 for the three months ended June 30, 2003 and
decreased approximately $83,000 from a net income of approximately $169,000 for
the six months ended June 30, 2002 to a net income of approximately $86,000 for
the six months ended June 30, 2003. By excluding our interest, taxes,
depreciation, and amortization from net income, our EBITDA increased
approximately $423,000 from an EBITDA of approximately $162,000 for the three
months ended June 30, 2002 to EBITDA of approximately $585,000 for the three
months ended June 30, 2003 and increased approximately $353,000 from an EBITDA
of approximately $354,000 for the six months ended June 30, 2002 to EBITDA of
approximately $707,000 for the six months ended June 30, 2003. These increases
include the non-recurring items noted above. We recognized approximately $30,000
in costs and expenses related to software development, which reduced our EBITDA,
during the three months ended June 30, 2003 and approximately $97,000 during the
six months ended June 30, 2003 compared with approximately $3,000 during the
three and six months ended June 30, 2002. During the first quarter of 2003, we
increased our reserve for sales returns to approximately 12% of gross sales to
reflect higher actual returns resulting from year-end stock balancing by our
secular customers and several of our CBA customers. However, for the three
months ended June 30, 2003 we decreased our reserve for sales returns to
approximately 10% of gross sales due to the decrease in actual returns and the
end of the year-end stock balancing.

         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.

During the second quarter of 2003, the Company initiated a marketing plan that
advertised the pre-release of an enhanced version of our flagship product,
QuickVerse. Customers were allowed to pre-book their QuickVerse 8.0 order by
placing a deposit with the Company. During the three months ended June 30, 2003,
we had received approximately $169,000 in deposits. This revenue has been
deferred until QuickVerse 8.0 ships.

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. 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 $373,000 from approximately $1,213,000
for the three months ended June 30, 2002 to approximately $840,000 for the three
months ended June 30, 2003, and decreased approximately $200,000 from
approximately $2,216,000 for the six months ended June 30, 2002 to approximately
$2,016,000 for the six months ended June 30, 2003. Such decrease is due to the
Company's introduction of our top financial and data management product,
Membership Plus, during the second quarter of 2002. The Membership Plus title is
packaged into two different versions that retail for $99.95 and $299.95.
Although there were new product releases during the first and second quarter of
2003, the retail value of the products was significantly lower than the
Membership Plus title. For instance, in late December 2002, the Company
introduced the QuickVerse PDA at a retail price of $29.95 and $39.95. An
enhanced version of the QuickVerse PDA that operates on both Pocket PC and Palm
OS operating systems was released during the second quarter of 2003. In February
2003, Ministry Notebook 2.0 was released at a retail price of $29.95.

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 and six months ended June 30, 2002 and 2003, respectively. 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. On 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. In June 2003, mediation was
conducted amongst the parties to review the audit results. A settlement between
the parties was not reached. Efforts to reach an agreement continue, and a bench
trial is scheduled for October 27, 2003. 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 $25,000
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 $2,600 from
approximately $72,300 for the three months ended June 30, 2002 to approximately
$69,700 for the three months ended June 30, 2003 and increased approximately
$50,000 from approximately $132,000 for the six months ended June 30, 2002 to
approximately $182,000 for the six months ended June 30, 2003. The Company
experienced more product returns during the first three months of 2003 than
during the same period of 2002, which explains the increase in the six months
ended June 30, 2003. This increase in returns is partly attributable to
post-Christmas stock balancing by our secular customers and several of our CBA
customers.

         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, and the amortized software
development costs. The direct costs and manufacturing overhead increased from
12.7% of gross revenues in 2002 to 16.6% of gross revenues in 2003. The increase
resulted directly from amortization of software development costs. We only had
two new software releases during the middle of the second quarter of 2002
resulting in very little amortization for 2002. The amortization recognized
during the first and second quarter of 2003 resulted from several software
releases from 2002 and 2003. Royalties to third party providers of intellectual
property increased from 2.6% of gross revenues in 2002 to 7.5% of gross revenues
in 2003. The increase in royalties reflects the release of QuickVerse PDA in
late December 2002, and the shipment of 25,000 units of QuickVerse 7 Essentials
into secular retail in the first and second quarter of 2003.

Software development costs, consisting primarily of direct and indirect labor
and related overhead charges, capitalized during the three months ended June 30,
2002 and 2003 were $80,928 and $147,028, respectively and during the six months
ended June 30, 2002 and 2003 were $80,928 and $213,103, respectively.
Accumulated amortization of these development costs included in cost of sales
totaled $6,380 and $67,437 for the three months ended June 30, 2002 and 2003,
respectively and $6,380 and $107,859 for the six months ended June 30, 2002 and
2003, respectively. The increase in both the capitalization and amortization is
a direct result of the increase in the number of development projects.
<TABLE>
<CAPTION>
                                                         Three Months Ended                   Six Months Ended
                                                              June 30,                            June 30,
<S>                                                <C>               <C>                <C>             <C>
                                                           2002              2003              2002              2003
                                                   -------------     -------------     -------------     -------------
Beginning balance                                           $---         $306,155              $---          $280,502
Capitalized                                               80,928          147,028            80,928           213,103
Amortized (cost of sales)                                  6,380           67,437             6,380           107,859
                                                   -------------     -------------     -------------     -------------
Ending balance                                           $74,548         $385,745           $74,548          $385,746
                                                        ========         ========          ========          ========
Research and development expense (General and             $2,770          $30,003            $2,770           $97,794
administrative)
                                                        ========         ========          ========          ========
</TABLE>

         Sales, General and Administrative

Sales expenses decreased approximately $79,000 from approximately $236,000 for
the three months ended June 30, 2002 to approximately $157,000 for the three
months ended June 30, 2003 and decreased approximately $97,000 from
approximately $419,000 for the six months ended June 30, 2002 to approximately
$322,000 for the six months ended June 30, 2003. The decrease is primarily due
to a direct reduction in advertising costs and rebate offers to the end user. We
anticipate that our advertising costs will increase as our revenue growth
provides additional opportunity. Included in the overall decrease is
approximately an $8,000 increase in commissions paid to the telemarketing firm
we use for our direct sales. We anticipate sales commissions will increase in
future quarters as we continue to expand our direct sales efforts. Also, there
is an approximate increase of $20,000 in fulfillment expenses due to using a
third-party in Omaha, NE to fulfill our boxed retail sales. We anticipate
fulfillment costs will increase in future quarters as we continue to expand our
retail sales efforts with the introduction of new products.

Personnel costs decreased approximately $141,000 from approximately $384,000 for
the three months ended June 30, 2002 to approximately $243,000 for the three
months ended June 30, 2003 and decreased approximately $134,000 from
approximately $672,000 for the six months ended June 30, 2002 to approximately
$538,000 for the six months ended June 30, 2003. This decrease is primarily from
the capitalization of direct and indirect labor and related overhead charges as
software development costs (see "Cost of Sales" above). Personnel costs were
reduced by approximately $107,000 for the three months ended June 30, 2003 and
approximately $130,000 for the six months ended June 30, 2003 compared to
approximately $51,000 for both the three and six months ended June 30, 2002.
Software development costs expensed as research and development (see table
above) amounted to approximately $30,000 for the three months ended June 30,
2003 and approximately $98,000 for the six months ended June 30, 2003 compared
to approximately $3,000 incurred during both time periods of 2002.

Rent expense decreased approximately $14,000 during the three months ended June
30, 2003 and approximately $29,000 for the six months ended June 30, 2003. This
decrease is attributable to the consolidation of our corporate office and our
direct fulfillment into a single facility.

         Nonrecurring Items

During the quarter ended March 31, 2003, the Company wrote-off obsolete
inventory with a carried cost totaling approximately $32,000. This has been
recognized as an operating expense.

During the quarter ended June 30, 2003, the Company recorded an adjustment to
the balance of accrued royalties as of December 31, 2002 in the amount of
approximately $584,000. This adjustment resulted from an internal audit of the
royalty calculations as affected by the June 30, 2001, bad debt provision
totaling $2,391,000 related to net balances owed the Company by TLC. The royalty
liabilities had been accrued based on FindEx sales to TLC as originally
reported. This has been recognized as an expense recovery and included in
operating expenses.

         Amortization

Amortization of the software license was approximately the same amount for the
three months ended June 30, 2002 and 2003. However, it decreased approximately
$112,000 from approximately $140,000 for the six months ended June 30, 2002 to
approximately $28,000 for the six months ended June 30, 2003. During the second
quarter of 2002, the Company offset the remaining unpaid installment
($1,051,785) against the carrying value of the software license in accordance
with the terms of a tentative settlement agreement with The Learning Company. In
addition, the agreement called for the extension of the estimated life of the
license from 10 years to 50 years.

         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 estimated
useful life 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 $9,750,000. The carryforwards are the result of income tax losses
generated in 1996 ($33,000 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
$540,000 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.

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 of June 30, 2003, we had approximately $583,000 in current assets, $4,639,000
in current liabilities and a retained deficit of $9,148,000. These factors
continue to create an uncertainty about our ability to continue as a going
concern. We had net income of approximately $546,000 for the three months ended
June 30, 2003.

Net cash provided by operating activities was approximately $147,000 and
approximately $206,000 for the six months ended June 30, 2002 and 2003,
respectively. This increase in cash from operating activities results primarily
from two items. One, we have received deposits in advance for a future product
release of which the revenue has been deferred until the product ships. Two, we
have decreased the amount of cash paid on prior debts to our suppliers.
Furthermore, the increase results from capitalization of cash paid to suppliers
and employees as software development costs. The 2003 interest received and
income taxes refunded result from a 1999 refund claim with the State of
Nebraska.

Net cash used by investing activities was approximately $123,000 and
approximately $174,000 for the six months ended June 30, 2002 and 2003,
respectively. The increase in cash used for investing activities results from
capitalizing costs associated with software development and upgrading our
website to expand our e-commerce capability.

Net cash used by financing activities was approximately $57,000 and
approximately $33,000 for the six months ended June 30, 2002 and 2003,
respectively. Cash used by financing activities reflects payments made on debt
obligations and the 2002 refund of the 2000 investment of Thomas Ardt and Betty
Wolfe.

         Zondervan Claim

As discussed above, 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. 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 $25,000 in this proceeding would have a material adverse effect on our
business, operations, financial condition and ability to operate as a going
concern.

         Threatened Litigation By Swartz Private Equity

On June 6, 2001, we entered into an Equity Line Investment Agreement (the
"Equity Line Agreement") with Swartz Private Equity, LLC ("Swartz"). In
accordance with its terms, the Equity Line Agreement entitled us to issue and
sell up ("Put") to $15 million of our common stock to Swartz, subject to a
formula based on our stock price and trading volume, from time to time over a
three year period (the "Equity Line") following the effectiveness of a shelf
registration statement that we were to have filed in connection with this
transaction (the "Equity Line Registration Statement").

Among many other terms, the Equity Line Agreement provided that if we failed to
Put at least $500,000 worth of common stock to Swartz during the first year
after the effective date of the Equity Line Registration Statement, and
$1,000,000 during each one-year period following thereafter, we would be
required to pay Swartz an annual non-usage fee. Under the Equity Line Agreement,
this non-usage fee would equal the difference between $100,000 and 10% of the
value of the shares of common stock that we Put to Swartz during the one-year
period, and would be due and payable each year in cash within five (5) business
days of the date it was accrued.

Although the Equity Line Agreement provided that it could be terminated by us at
any time upon notice to Swartz, it also provided that, in the event of any such
termination by us, we would be required to pay Swartz the greater of (i) the
non-usage fee described above, or (ii) the difference between $150,000 and 10%
of the value of the shares of common stock Put to Swartz during all Puts to date
as of that time. Further, any such termination would not affect any other
obligations we had under either the Equity Line Agreement or any related
agreement. Among other related agreements, this included (i) a six-year warrant
granted to Swartz by us to purchase 510,000 shares of our common stock at $0.23
per share, which warrant was issued as partial consideration for entering into
the Equity Line Agreement (the "Commitment Warrant"), and (ii) a certain
anti-dilution agreement that applied, among other things, to the Commitment
Warrant (the "Warrant Anti-Dilution Agreement").

On August 2, 2001, and in accordance with our obligation under the Equity Line
Agreement, we filed the Equity Line Registration Statement. Because our stock
price collapsed shortly thereafter to a point at which any use of the Equity
Line became prohibitively expensive in the determination of the FindEx Board
(because the price Swartz was to pay was tied to the stock price), after a long
period of waiting and hoping for a rebound or other meaningful increase in the
trading price of our common stock, on August 26, 2002, the Registration
Statement was officially withdrawn. That same day, we provided notice of
termination of the Equity Line Agreement to Swartz. Because the SEC never
declared the Equity Line Registration Statement effective, the Equity Line never
became operative, and no amount was ever drawn by us paid there under.

On September 6, 2002, Swartz provided notice to us that it was making a demand
under the Equity Line Agreement for the termination fee provided there under. In
accordance with Swartz's calculations, they were owed $150,000 payable in cash
or common stock within 10 days of the termination. At the time of such notice,
and had such amount been paid in common stock, it would have required 3.75
million shares. Shortly thereafter, such claim rose to over 9 million shares. In
addition, Swartz further demanded another warrant for an additional 219,127
shares of our common stock pursuant to the Commitment Warrant and the Warrant
Anti-Dilution Agreement. Although certain settlement discussions have ensued, at
this point, the prospects for settlement seem highly uncertain. There can be no
assurance that this matter will be able to be settled on terms that will not
have a direct or indirect material adverse effect on our liquidity and financial
condition. Further, if litigated, there can be no assurance that (i) the
resources devoted to defending any such claim will not have a negative impact on
FindEx's ability to manage other aspects of its business, and (ii) any outcome
thereof will not have a direct or indirect material adverse effect on our
liquidity and financial condition. In either case, any result that obligates
FindEx to make any payment to Swartz in the form of common shares as opposed to
cash (which FindEx may simply be unable to pay) would have a dilutive effect on
the shareholdings of all other FindEx shareholders, which, depending on the
value attributable to such stock in any such circumstance, could be potentially
very significant.

Item 3.  Controls and Procedures.

         (a)      Evaluation of Disclosure Controls and Procedures.

Based on their most recent evaluation of our disclosure controls and procedures,
which was completed within 90 days of the filing of this Form 10-QSB, the
Company's Chief Executive Officer and Chief Financial Officer have concluded
that our disclosure controls and procedures (as defined in Exchange Act Rules
13a-14(c) and 15d-14(c)) are effective.

         (b)      Changes In Internal Controls

                     Formation of Disclosure Controls and Procedures Officer
                     Committee

The Disclosure Controls and Procedures Officer Committee (the "Disclosure Policy
Committee") was formed in September of 2002 and charged with the responsibility
for considering the materiality of information and determining disclosure
obligations on a timely basis. The Disclosure Policy Committee has implemented
disclosure controls and procedures that meet the standards established by the
new rules. These controls and procedures will be reviewed and adopted by the
Audit Committee of our Board of Directors.

                     Control and Procedures

It is expected that the Disclosure Policy Committee will meet on or about the
60th day of the quarter. Members are to provide information that is documented
within the Quarterly Control and Procedures Report. This report will contain
attestations and, where applicable, documentation, in regard to the following:

     o    The Fact that Internal Controls Have Been Reviewed Within the Past 90
          Days
     o    Any Concerns Regarding Weaknesses in Internal Control
     o    Any Concerns Relating To Events that May Require Disclosure
     o    Any Concerns Relating To Internal Fraud/Defalcation
     o    Potential Material Losses
     o    New Off-Balance Sheet Arrangements
     o    Material Amounts Not Reflected on the General Ledger

The Quarterly Control and Procedures Report is to be completed, signed and
presented to the CEO and CFO prior to completing the first draft of each
quarterly 10-QSB. Because material issues may occur between regularly scheduled
quarterly meetings, this report is to be generated by the Disclosure Policy
Committee appropriate Officers at anytime when warranted. The CEO and CFO will
consult with our Disclosure Policy Committee to determine any action that is
necessary.

Other than as set forth above, there were no significant changes in our internal
controls or in other factors that could significantly affect these controls
subsequent to the date of their evaluation, including any corrective actions
with regard to significant deficiencies and/or material weaknesses.



                                     PART II
                                OTHER INFORMATION


Item 2.    Changes In Securities and Use of Proceeds.

None.

Item 3.    Defaults Upon Senior Securities.

         Zondervan

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 and six months ended June 30, 2002 and 2003, respectively. 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. On 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. In June 2003, mediation was
conducted amongst the parties to review the audit results. A settlement between
the parties was not reached. Efforts to reach an agreement continue, and a bench
trial is scheduled for October 27, 2003. 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 $25,000
in this proceeding would have a material adverse effect on our business,
operations, financial condition and ability to operate as a going concern.

         Swartz Private Equity

On June 6, 2001, we entered into an Equity Line Investment Agreement (the
"Equity Line Agreement") with Swartz Private Equity, LLC ("Swartz"). In
accordance with its terms, the Equity Line Agreement entitled us to issue and
sell up ("Put") to $15 million of our common stock to Swartz, subject to a
formula based on our stock price and trading volume, from time to time over a
three year period (the "Equity Line") following the effectiveness of a shelf
registration statement that we were to have filed in connection with this
transaction (the "Equity Line Registration Statement").

Among many other terms, the Equity Line Agreement provided that if we failed to
Put at least $500,000 worth of common stock to Swartz during the first year
after the effective date of the Equity Line Registration Statement, and
$1,000,000 during each one-year period following thereafter, we would be
required to pay Swartz an annual non-usage fee. Under the Equity Line Agreement,
this non-usage fee would equal the difference between $100,000 and 10% of the
value of the shares of common stock that we Put to Swartz during the one-year
period, and would be due and payable each year in cash within five (5) business
days of the date it was accrued.

Although the Equity Line Agreement provided that it could be terminated by us at
any time upon notice to Swartz, it also provided that, in the event of any such
termination by us, we would be required to pay Swartz the greater of (i) the
non-usage fee described above, or (ii) the difference between $150,000 and 10%
of the value of the shares of common stock Put to Swartz during all Puts to date
as of that time. Further, any such termination would not affect any other
obligations we had under either the Equity Line Agreement or any related
agreement. Among other related agreements, this included (i) a six-year warrant
granted to Swartz by us to purchase 510,000 shares of our common stock at $0.23
per share, which warrant was issued as partial consideration for entering into
the Equity Line Agreement (the "Commitment Warrant"), and (ii) a certain
anti-dilution agreement that applied, among other things, to the Commitment
Warrant (the "Warrant Anti-Dilution Agreement").

On August 2, 2001, and in accordance with our obligation under the Equity Line
Agreement, we filed the Equity Line Registration Statement. Because our stock
price collapsed shortly thereafter to a point at which any use of the Equity
Line became prohibitively expensive in the determination of the FindEx Board
(because the price Swartz was to pay was tied to the stock price), after a long
period of waiting and hoping for a rebound or other meaningful increase in the
trading price of our common stock, on August 26, 2002, the Registration
Statement was officially withdrawn. That same day, we provided notice of
termination of the Equity Line Agreement to Swartz. Because the SEC never
declared the Equity Line Registration Statement effective, the Equity Line never
became operative, and no amount was ever drawn by us paid there under.

On September 6, 2002, Swartz provided notice to us that it was making a demand
under the Equity Line Agreement for the termination fee provided there under. In
accordance with Swartz's calculations, they were owed $150,000 payable in cash
or common stock within 10 days of the termination. At the time of such notice,
and had such amount been paid in common stock, it would have required 3.75
million shares. Shortly thereafter, such claim rose to over 9 million shares. In
addition, Swartz further demanded another warrant for an additional 219,127
shares of our common stock pursuant to the Commitment Warrant and the Warrant
Anti-Dilution Agreement. Although certain settlement discussions have ensued, at
this point, the prospects for settlement seem highly uncertain. There can be no
assurance that this matter will be able to be settled on terms that will not
have a direct or indirect material adverse effect on our liquidity and financial
condition. Further, if litigated, there can be no assurance that (i) the
resources devoted to defending any such claim will not have a negative impact on
FindEx's ability to manage other aspects of its business, and (ii) any outcome
thereof will not have a direct or indirect material adverse effect on our
liquidity and financial condition. In either case, any result that obligates
FindEx to make any payment to Swartz in the form of common shares as opposed to
cash (which FindEx may simply be unable to pay) would have a dilutive effect on
the shareholdings of all other FindEx shareholders, which, depending on the
value attributable to such stock in any such circumstance, could be potentially
very significant.

Item 6.  Exhibits and Reports On Form 8-K

(a)      Exhibits

          99.1 Certification of Findex.com, Inc. Chief Executive Officer, Steven
               Malone,  pursuant  to Section  302 of the  Sarbanes-Oxley  Act of
               2002.

          99.2 Certification of Findex.com,  Inc. Chief Financial Officer,  Kirk
               Rowland,  pursuant  to Section 302 of the  Sarbanes-Oxley  Act of
               2002.

          99.3 Certification of Findex.com, Inc. Chief Executive Officer, Steven
               Malone,  pursuant  to Section  906 of the  Sarbanes-Oxley  Act of
               2002.

          99.4 Certification of Findex.com,  Inc. Chief Financial Officer,  Kirk
               Rowland,  pursuant  to Section 906 of the  Sarbanes-Oxley  Act of
               2002.

(b)      Reports on Form 8-K filed during the three months ended June 30, 2003:

         None.

<PAGE>

                                   SIGNATURES

         In accordance with the requirements of the Securities Exchange Act of
1934, the Registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                                          FINDEX.COM, INC.



 Date:   August 14, 2003                              /s/ Steven Malone
                                                    ----------------------------
                                                          Steven Malone
                                                          President & Chief
                                                          Executive Officer


                Date:   August 14, 2003              /s/ Kirk Rowland
                                                    ----------------------------
                                                         Kirk Rowland, CPA
                                                         Chief Financial Officer



<PAGE>



                                FindEx.com, Inc.
                      CONDENSED CONSOLIDATED BALANCE SHEET
                                 June 30, 2003
                                  (UNAUDITED)

                             ASSETS
CURRENT ASSETS
       Cash and cash equivalents
            Unrestricted cash - overdraft                      $        (27,835)
            Restricted cash                                              65,711
                                                                     -----------
                  Total cash and cash equivalents                        37,876
       Accounts receivable, trade                                       158,700
       Inventories (Note 2)                                             320,100
       Other current assets                                              66,804
                                                                    ------------
            TOTAL CURRENT ASSETS                                        583,480
                                                                    ------------
PROPERTY AND EQUIPMENT, net                                              78,163
                                                                    ------------
OTHER ASSETS
       Software license, net                                          2,529,896
       Capitalized software development costs, net                      385,746
       Other assets                                                      49,393
                                                                    ------------
            TOTAL OTHER ASSETS                                        2,965,035
                                                                    ------------
            TOTAL ASSETS                                       $      3,626,678
                                                                         =======

                 LIABILITIES AND STOCKHOLDERS' EQUITY
CURRENT LIABILITIES
       Notes payable (Note 3)                                  $        749,999
       Current maturities of long-term note payable (Note 4)             59,302
       Accrued royalties                                              1,595,859
       Accounts payable                                                 983,232
       Rebates payable                                                  373,426
       Payroll taxes payable                                            252,631
       Other current liabilities                                        624,993
                                                                    ------------
            TOTAL CURRENT LIABILITIES                                 4,639,442
                                                                    ------------
LONG-TERM LIABILITIES
       Long-term note payable (Note 4)                                   18,801
       Non-current deferred taxes                                     1,067,494
                                                                    ------------
            TOTAL LONG-TERM LIABILITIES                               1,086,295
                                                                    ------------
STOCKHOLDERS' EQUITY
       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, 19,811,438 shares issued and outstanding         19,811
       Paid-in capital                                                7,029,079
       Retained (deficit)                                            (9,148,000)
                                                                    ------------
            TOTAL STOCKHOLDERS' EQUITY                               (2,099,059)
                                                                    ------------
            TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY           $    3,626,678
                                                                        =======

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


<PAGE>

                                FindEx.com, Inc.
      CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND RETAINED DEFICIT
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                     THREE MONTHS ENDED                     SIX MONTHS ENDED
                                                          JUNE 30,                              JUNE 30,
                                                    2002               2003               2002                2003
                                                 ---------------    ---------------    ---------------     ---------------
<S>                                          <C>                  <C>               <C>                <C>
REVENUES, net of reserves and allowances      $   1,127,057      $      769,965     $    2,058,761     $    1,832,331

COST OF SALES                                       180,954             238,984            338,841            486,639
                                                 --------------     --------------     --------------      --------------
GROSS PROFIT                                        946,103             530,981          1,719,920          1,345,692
                                                 --------------     --------------     --------------      --------------
OPERATING EXPENSES
      Sales                                         235,857             157,890            419,393            321,887
      General and administrative                    548,531             371,755            946,772            869,049
      Nonrecurring items (Note 5)                       ---           (583,628)                ---          (551,736)
      Amortization expense                           14,056              13,852            139,933             28,214
      Depreciation expense                            8,684              10,923             16,647             21,533
                                                 --------------     --------------     --------------      --------------
         TOTAL OPERATING EXPENSES                   807,128            (29,208)          1,522,745            688,947
                                                 --------------     --------------     --------------      --------------
EARNINGS FROM OPERATIONS                            138,975             560,189            197,175            656,745
                                                 --------------     --------------     --------------      --------------
OTHER INCOME (EXPENSES)
      Interest income                                    18                 ---                 43              9,727
      Other income                                      ---                  50                ---                985
      Interest expense                             (41,346)            (22,607)           (64,146)           (47,081)
                                                 --------------     --------------     --------------      --------------
         NET OTHER INCOME (EXPENSES)               (41,328)            (22,557)           (64,103)           (36,369)
                                                 --------------     --------------     --------------      --------------
NET INCOME BEFORE INCOME TAXES                       97,647             537,632            133,072            620,376

      INCOME TAXES                                 (17,000)               8,700             36,000             17,400
                                                 --------------     --------------     --------------      --------------
NET INCOME                                    $      80,647      $      546,332            169,072            637,776
                                                  =========           =========
RETAINED DEFICIT AT BEGINNING OF YEAR                                                  (10,002,755)        (9,785,776)
                                                                                       --------------      --------------
      RETAINED DEFICIT AT END OF PERIOD                                             $  (9,833,683)      $  (9,148,000)
                                                                                         =========          =========

NET EARNINGS PER SHARE
      Basic                                   $        0.00      $         0.03     $         0.01      $        0.03
                                                  =========           =========          =========          =========
      Diluted                                 $        0.00      $         0.02     $         0.01      $        0.03
                                                  =========           =========          =========          =========

WEIGHTED NUMBER OF SHARES OUTSTANDING
      Basic                                      19,288,359          19,811,438         15,622,479         19,811,438
                                                  =========           =========          =========          =========
      Diluted                                    21,422,359          21,945,438         17,756,479         21,945,438
                                                  =========           =========          =========          =========
</TABLE>


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



<PAGE>




                                FindEx.com, Inc.
                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                                              SIX MONTHS ENDED
                                                                                  JUNE 30,
                                                                            2002                 2003
                                                                        -------------        -------------
<S>                                                                   <C>                  <C>
CASH FLOWS FROM OPERATING ACTIVITIES
       Cash received from customers                                    $    1,945,138    $       2,045,624
       Cash paid to suppliers and employees                               (1,773,000)          (1,861,189)
       Interest paid                                                         (25,118)             (18,249)
       Interest received                                                           43                9,727
       Income taxes refunded                                                      ---               30,133
                                                                         ------------         ------------
           NET CASH PROVIDED BY OPERATING ACTIVITIES                          147,063              206,046
                                                                         ------------         ------------
CASH FLOWS FROM INVESTING ACTIVITES
       Acquisition of property and equipment                                 (35,256)              (6,643)
       Deposits paid                                                          (4,408)                (500)
       Software development costs                                            (80,928)            (145,666)
       Website development costs                                              (2,452)             (21,055)
                                                                         ------------         ------------
           NET CASH USED BY INVESTING ACTIVITIES                            (123,044)            (173,864)
                                                                         ------------         ------------
CASH FLOWS FROM FINANCING ACTIVITIES
       Payments to line of credit, net                                       (10,072)              (5,016)
       Refund on stock subscription                                          (25,000)                  ---
       Payments made on long-term note payable                               (21,599)             (27,941)
                                                                         ------------         ------------
           NET CASH USED BY FINANCING ACTIVITES                              (56,671)             (32,957)
                                                                         ------------         ------------
DECREASE IN CASH AND CASH EQUIVALENTS                                        (32,652)                (775)

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD                                  7,140               38,651
                                                                         ------------         ------------
           CASH (OVERDRAFT) AND CASH EQUIVALENTS, END OF PERIOD        $     (25,512)    $          37,876
                                                                              =======              =======
RECONCILIATION OF NET INCOME TO CASH FLOWS FROM OPERATING ACTIVITIES
       Net income                                                      $      169,072    $         637,776
       Adjustments to reconcile net income to net cash
           provided by operating activities:
                Depreciation & amortization                                   156,580               49,747
                Software development costs amortized                            6,380               40,422
                Stock issued for services                                     147,294                  ---
                Changes in assets and liabilities:
                    Decrease in accounts receivable                            12,378               69,541
                    Decrease in refundable income taxes                           ---               29,148
                    Decrease in inventories                                   211,078               96,600
                    (Increase) in prepaid expenses                           (11,989)              (9,254)
                    (Decrease) in accounts payable                          (331,949)            (187,278)
                    (Decrease) in deferred taxes                             (36,000)             (17,400)
                    Increase (decrease) in accrued royalties                   21,848            (534,754)
                    Increase (decrease) in other liabilities                (197,629)               31,498
                                                                         ------------         ------------
           NET CASH PROVIDED BY OPERATING ACTIVITIES                  $       147,063    $         206,046
                                                                              =======              =======
</TABLE>

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

<PAGE>

                                FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                  June 30, 2003
                                   (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, 2002.

Software Development Costs

In accordance with SFAS No. 86, Accounting for the Costs of Computer Software to
Be Sold, Leased, or Otherwise Marketed, software development costs are expensed
as incurred until technological feasibility has been established, at which time
such costs are capitalized until the product is available for general release to
customers. Capitalized costs are amortized on a product-by-product basis using
the greater of the straight-line method over the estimated product life or on
the ratio of current revenues to total projected product revenues. The Company
generally considers technological feasibility is established with the release of
a beta version for testing. Total capitalized software development costs at June
30, 2003 were $570,642, less accumulated amortization of $184,896. Research and
development costs incurred and charged to expense were $97,794 and $2770 for the
three and six months ended June 30, 2003 and 2002, respectively.

NOTE 2 - INVENTORIES

At June 30, 2003, inventories consisted of the following:

     Raw materials                   $103,000
     Finished goods                   217,100
                                  -----------
                                     $320,100
                                      =======

NOTE 3 - NOTES PAYABLE

At June 30, 2003, notes payable consisted of the following:
<TABLE>
<S>                                                                                                    <C>
Unsecured demand note payable to a corporation, with interest at 9%.                                     $650,000

Note payable to a corporation, due on demand, with interest compounded monthly at 1.5%.  Unsecured.
Convertible at the option of the holder into 660,000 restricted common shares.                             33,333

Note payable to a corporation, due on demand, with interest compounded monthly at 1.5%.  Unsecured.
Convertible at the option of the holder into 660,000 restricted common shares.                             33,333

Note payable to a corporation, due on demand, with interest compounded monthly at 1.5%.  Unsecured.
Convertible at the option of the holder into 660,000 restricted common shares.                             33,333
                                                                                                      -----------
                                                                                                         $749,999
                                                                                                          =======
</TABLE>

NOTE 4 - LONG-TERM NOTE 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 June 30, 2003 are as follows:

     June 30
       2004             $59,302
       2005              18,801
                    -----------
                        $78,103
                        =======
<PAGE>

NOTE 5 - NONRECURRING ITEMS

APB Opinion No. 30 requires material events or transactions that are either
unusual or infrequent, but not both, to be presented in the income statement as
separate elements of income from continuing operations.

During the quarter ended March 31, 2003, the Company wrote-off obsolete
inventory with a carried cost totaling $31,892. This has been recognized as an
expense.

During the quarter ended June 30, 2003, the Company recorded an adjustment to
the balance of accrued royalties as of December 31, 2002 in the amount of
$583,628. This adjustment resulted from an internal audit of the royalty
calculations as affected by the product sales provided by TLC during the second
quarter of 2001. These reduced sales numbers also resulted in the June 30, 2001
bad debt provision totaling $2,391,000 from net balances owed the Company by
TLC. The royalty liabilities had been accrued based on FindEx sales to TLC as
originally reported. This has been recognized as an expense recovery and
included in operating expenses.

NOTE 6 - INCOME TAXES

The benefit for taxes on income for the three and six months ended June 30
consisted of the following:
<TABLE>
<CAPTION>
                               Three Months Ended June 30,           Six Months Ended June 30,
                            -----------------------------------   --------------------------------
                                   2002               2003              2002              2003
                              -------------       -------------     -------------     -------------
<S>                          <C>                  <C>               <C>              <C>
  Current:
       Federal                     $ ---               $ ---             $ ---             $ ---
       State                         ---                ---               ---               ---
                               -----------         -----------      -----------       -----------
                                     ---                ---               ---               ---
                               -----------         -----------      -----------       -----------
  Deferred:
       Federal                    (14,000)               7,500           28,900            15,000
       State                       (3,000)               1,200            7,100             2,400
                               -----------         -----------      -----------       -----------
                                  (17,000)               8,700           36,000            17,400
                               -----------         -----------      -----------       -----------
  Total tax benefit              $(17,000)              $8,700          $36,000           $17,400
                                   =======             =======          =======           =======
</TABLE>


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

     Expense at Federal statutory rate - 34%             $105,464
     State tax effects                                    (2,400)
     Nondeductible expenses                                   455
     Taxable temporary differences                        (1,020)
     Deductible temporary differences                    (38,600)
     Deferred tax asset valuation allowance              (81,299)
                                                      -----------
     Income tax benefit                                 ($17,400)
                                                          =======

NOTE 7 - 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 4,483,200 potentially
dilutive securities for the three and six months ended June 30, 2003 and 2002,
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:

<PAGE>

Three months ended June 30                           2002             2003
                                                ------------     ------------
Net Income                                           $80,647         $546,332
Preferred stock dividends                                ---              ---
                                                ------------     ------------
Net income available to common shareholders          $80,647         $546,332
                                                    ========         ========
Basic weighted average shares outstanding         19,288,359       19,811,438
Dilutive effect of:
       Stock options                                     ---              ---
       Convertible notes payable                   1,980,000        1,980,000
       Convertible preferred series A                114,000          114,000
       Convertible preferred series B                 40,000           40,000
       Warrants                                          ---              ---
                                                ------------     ------------
Diluted weighted average shares outstanding       21,422,359       21,945,438
                                                    ========         ========
Earnings per share:
       Basic                                           $0.00            $0.03
                                                    ========         ========
       Diluted                                         $0.00            $0.02
                                                    ========         ========

Six months ended June 30                          2002             2003
                                                ------------     ------------
Net Income                                          $169,072         $637,776
Preferred stock dividends                                ---              ---
                                                ------------     ------------
Net income available to common shareholders         $169,072         $637,776
                                                    ========         ========
Basic weighted average shares outstanding         15,622,479       19,811,438
Dilutive effect of:
       Stock options                                     ---              ---
       Convertible notes payable                   1,980,000        1,980,000
       Convertible preferred series A                114,000          114,000
       Convertible preferred series B                 40,000           40,000
       Warrants                                          ---              ---
                                                ------------     ------------
Diluted weighted average shares outstanding       17,756,479       21,945,438
                                                    ========         ========
Earnings per share:
       Basic                                           $0.01            $0.03
                                                    ========         ========
       Diluted                                         $0.01            $0.03
                                                    ========         ========

NOTE 8 - 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.

NOTE 9 - 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.

<PAGE>

NOTE 10 - 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.

NOTE 11 - SUBSEQUENT EVENTS

On July 25, 2003, the Company committed to issue 250,000 common shares to an
employee as settlement of a 2002 signing bonus.

On July 25, 2003, the Company committed to issue a total of 600,000 common
shares to the external Board of Directors as their annual compensation.

On July 25, 2003, the Company committed to issue a total of 150,000 common
shares to three independent contractors as a bonus for their performance on our
software development projects.

 On July 25, 2003, the Company committed to issue a total of 200,000 common
shares to an independent contractor for past and future performance on preparing
written corporate materials.


<PAGE>




Exhibit 99.1
                            CERTIFICATION PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

         I, Steven Malone, certify that:

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

         2. Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the period presented in this quarterly report;

         4. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

                  a)       designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this
                           quarterly report is being prepared;

                  b)       evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           quarterly report (the "Evaluation Date"); and

                  c)       presented in this quarterly report our conclusions
                           about the effectiveness of the disclosure controls
                           and procedures based on our evaluation as of the
                           Evaluation Date;

         5. The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

                  a)       all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

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

         6. The registrant's other certifying officers and I have indicated in
this quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date:   August 14, 2003
                               By /s/ Steven Malone
                                 -------------------
                                      Steven Malone
                                      President & Chief Executive Officer


<PAGE>





Exhibit 99.2
                            CERTIFICATION PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

         I, Kirk Rowland, certify that:

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

         2. Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the period presented in this quarterly report;

         4. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

                  a)       designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this
                           quarterly report is being prepared;

                  b)       evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           quarterly report (the "Evaluation Date"); and

                  c)       presented in this quarterly report our conclusions
                           about the effectiveness of the disclosure controls
                           and procedures based on our evaluation as of the
                           Evaluation Date;

         5. The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

                  a)       all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

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

         6. The registrant's other certifying officers and I have indicated in
this quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date:   August 14, 2003         By /s/ Kirk Rowland
                                  ------------------
                                       Kirk Rowland
                                       Chief Financial Officer





<PAGE>


Exhibit 99.3

                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the quarterly report of FindEx.com, Inc. (the "Company") on
Form 10-QSB for the period ending March 31, 2003 as filed with the Securities
and Exchange Commission on the date hereof (the "Periodic Report"), I, Steven
Malone, President and Chief Executive Officer of the Company, certify, pursuant
to Section 906 of the Sarbanes-Oxley Act of 2002, that:

         (1)      The Periodic Report fully complies with the requirements of
                  the Securities Exchange Act of 1934; and

         (2)      The information contained in the Periodic Report fairly
                  presents, in all material respects, the financial condition
                  and results of operations of the Company.


  Date:    August 14, 2003           By /s/ Steven Malone
                                        -----------------
                                            Steven Malone
                                            President & Chief Executive Officer







<PAGE>



Exhibit 99.4


                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of FindEx.com, Inc. (the "Company") on
Form 10-QSB for the period ending March 31, 2003 as filed with the Securities
and Exchange Commission on the date hereof (the "Periodic Report"), I, Kirk
Rowland, Chief Financial Officer of the Company, certify, pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

         (1)      The Periodic Report fully complies with the requirements of
                  the Securities Exchange Act of 1934; and

         (2)      The information contained in the Periodic Report fairly
                  presents, in all material respects, the financial condition
                  and results of operations of the Company.


         Date:    August 14, 2003           By:  /s/  Kirk Rowland
                                                ------------------
                                                      Kirk Rowland
                                                      Chief Financial Officer

<PAGE>