UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 12B-25
NOTIFICATION OF LATE FILING
FORM 10-Q
FOR THE PERIOD ENDED JUNE 30, 2000
COMMISSION FILE NUMBER: 0-2616
CONSUMERS FINANCIAL CORPORATION
1513 CEDAR CLIFF DRIVE
CAMP HILL, PA 17011
PART II - RULES 12B-25(B) AND (C)
If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25b, the following should
be completed.
X (a) The reasons described in reasonable detail in Part III of this form
could not be eliminated without unreasonable effort or expense;
X (b) The subject annual report, or semi-annual report, transition report
on Form 10-K, Form 20-F, Form 11-K, Form N-SAR, or portion thereof,
will be filed on or before the fifteenth calendar day following the
prescribed due date; or the subject quarterly report or transition
report on Form 10-Q, or portion thereof, will be filed on or before
the fifth calendar day following the prescribed due date; and
(c) The accountant s statement or other exhibit required by Rule 12b-
25(c) has been attached if applicable.
PART III - NARRATIVE
State below in reasonable detail the reasons why the Form 10-K, 11-K, 10-Q, N-
SAR, or the transition report or portion thereof, could not be filed within the
prescribed time period. (Attach Extra Sheets if Needed).
The Company will be unable to file its Form 10-Q for the quarter ended June 30,
2000 due to the time required by the remaining two employees to relocate the
Company s administrative offices and to complete the sale of the Company s home
office building. The relocation occurred on August 1, 2000 and settlement on
the sale of the building occurred on August 10, 2000.
PART IV - OTHER INFORMATION
(1) Name and telephone number of person to contact in regard to this
notification:
R. FREDRIC ZULLINGER
(717) 730-6306
(2) Have all other periodic reports required under Section 13 or 15(d) of the
Securities Exchange Act of 1934 or Section 30 of the Investment Company
Act of 1940 during the preceding 12 months (or for such shorter period
that the registrant was required to file such reports) been filed? If
answer is no, identify report(s)
X Yes No
(3) Is it anticipated that any significant change in results of operations
from the corresponding period for the last fiscal year will be reflected
by the earnings statements to be included in the subject report or
portion thereof?
X Yes No
If so, attach an explanation of the anticipated change, both narratively
and quantitatively, and, if appropriate, state the reasons why a
reasonable estimate of the results cannot be made.
In the first half of 1999, the Company s net assets in liquidation
declined by $327,000, primarily as a result of a $135,000 net loss for
the period and $205,000 in preferred shareholder dividends. For the
first six months of 2000, the Company expects to report a net loss of
approximately $56,000, a $225,000 increase in the liability for its
underfunded pension plan and preferred dividends of $196,000. However,
since the Company's net assets in liquidation as of December 31, 1999
were zero, these decreases will be offset by a corresponding decrease in
the estimated liquidation value of the Company's preferred stock.
CONSUMERS FINANCIAL CORPORATION
has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.
Date: August 14, 2000 By: /S/ R. Fredric Zullinger
R. Fredric Zullinger
Sr. VP and CFO
