PAWNBROKER COM INC
SC 13G, 2000-09-28
BUSINESS SERVICES, NEC
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                                    UNITED  STATES
                       SECURITIES  AND  EXCHANGE  COMMISSION
                              WASHINGTON,  D.C.  20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934
                               (Amendment No. )*

                              PAWNBROKER.COM, INC.
                              ---------------------
                                (Name of Issuer)

                                     COMMON
                                     -------
                         (Title of Class of Securities)

                                   704059104
                                   ----------
                                 (CUSIP Number)

                                 JUNE 23, 1999
                                 --------------
            (Date of Event which Requires Filing of this Statement)

Check  the appropriate box to designate the rule pursuant to which this Schedule
is  filed:

[ ]  Rule  13d-1(b)

[X]  Rule  13d-1(c)

[ ]  Rule  13d-1(d)

*The  remainder  of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent  amendment  containing  information  which  would  alter
disclosures  provided  in  a  prior  cover  page.

The information required on the remainder of this cover page shall not be deemed
to  be  "filed"  for the purpose of Section 18 of the Securities Exchange Act of
1934  ("Act") or otherwise subject to the liabilities of that section of the Act
but  shall  be  subject  to  all  other  provisions of the Act (however, see the
Notes).

POTENTIAL  PERSONS WHO ARE TO RESPOND TO THE COLLECTION OF INFORMATION CONTAINED
IN  THIS  FORM  ARE NOT REQUIRED TO RESPOND UNLESS THE FORM DISPLAYS A CURRENTLY
VALID  OMB  CONTROL  NUMBER.

<PAGE>

SCHEDULE 13G

CUSIP NO. 704059104

1.  NAMES OF REPORTING PERSONS
    IRS IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)

Packard Financial Group

2.  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See instructions)

    Not Applicable

    [ ] (a)
    [ ] (b)

3.  SEC USE ONLY

4.  CITIZENSHIP OR PLACE OF ORGANIZATION

    Antigua

    NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH

5.   Sole Voting Power:           1,950,000 (1)
6.   Shared Voting Power          0
7.   Sole Dispositive Power       1,950,000 (1)
8.   Shared Dispositive Power     0

9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

    1,950,000 (1)

10. CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDED CERTAIN SHARES (See
    Instructions)

    Not Applicable

11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

    11.1% (based on 17,564,750 shares of common stock issued and outstanding
    as of June 30, 2000)

12. TYPE OF REPORTING PERSON  (See Instructions)

    CO

<PAGE>


ITEM  1.

(a)     Name  of  Issuer

        PAWNBROKER.COM,  INC.

(b)     Address  of  Issuer's  Principal  Executive  Offices

        85  KEYSTONE
        SUITE  F
        RENO,  NEVADA  89503

ITEM  2.

(a)     Name  of  Person  Filing

        PACKARD  FINANCIAL  GROUP

(b)     Address  of  Principal  Business  Office  or,  if  none,  Residence

        11  OLD  PARHAM  ROAD
        ST.  JOHN'S,  ANTIGUA

(c)     Citizenship  or  Place  of  Organization

        ANTIGUA

(d)     Title  of  Class  of  Securities

        COMMON

(e)     CUSIP  Number

        704059104

ITEM  3.     IF  THIS  STATEMENT  IS  FILED  PURSUANT  TO   240.13D-1(B)  OR
240.13D-2(B)  OR  (C),  CHECK  WHETHER  THE  PERSON  FILING  IS  A:

     Not  applicable.

(a)    [ ]   Broker  or dealer registered under section 15 of the Act (15 U.S.C.
             78o);
(b)    [ ]   Bank  as  defined  in  section  3(a)(6) of the Act (15 U.S.C. 78c);
(c)    [ ]   Insurance  company  as  defined  in section 3(a)(19) of the Act (15
             U.S.C.  78c);
(d)    [ ]   Investment  company  registered  under  section 8 of the Investment
             Company  Act  of  1940  (15  U.S.C.  80a-8);

<PAGE>

(e)    [ ]   An  investment  adviser in accordance with  240.13d-1(b)(1)(ii)(E);
(f)    [ ]   An  employee  benefit  plan  or  endowment  fund in accordance with
             240.13d-1(b)(1)(ii)(F);
(g)    [ ]   A  parent  holding  company  or  control  person in accordance with
             240.13d-1(b)(1)(ii)(G);
(h)    [ ]   A  savings  associations  as defined in Section 3(b) of the Federal
             Deposit  Insurance  Act  (12  U.S.C.  1813);
(i)    [ ]   A church plan that is excluded from the definition of an investment
             company  under section 3(c)(14) of the Investment Company Act of
             1940 (15 U.S.C. 80a-3);
(j)    [ ]   Group,  in  accordance  with  240.13d-1(b)(1)(ii)(J).

ITEM  4.     OWNERSHIP

Provide  the following information regarding the aggregate number and percentage
of  the  class  of  securities  of  the  issuer  identified  in  Item  1.

(a)     Amount  beneficially  owned:  1,950,000(1)

(b)     Percent  of  class:  11.1%

(c)     Number  of  shares  as  to  which  the  person  has:

   (i)     Sole  power  to  vote  or  to  direct  the  vote:  1,950,000(1)

   (ii)    Shared  power  to  vote  or  to  direct  the  vote:  0

   (iii)   Sole  power to dispose or to direct the disposition of:  1,950,000(1)

   (iv)   Shared  power  to  dispose  or  to  direct  the  disposition  of:  0

(1)     Represents  1,300,000  shares  of Common stock of the Issuer acquired by
the  Reporting  Person on June 23, 1999, plus 1,300,000 half share warrants (the
"Warrants")  entitling  the Reporting Person to acquire 650,000 shares of Common
stock  of  the  Issuer.  The Reporting Person exercised the Warrants on February
11,  2000,  at  an  exercise price of $2.31 per share, acquiring 650,000 shares.

ITEM  5.     OWNERSHIP  OF  FIVE  PERCENT  OR  LESS  OF  A  CLASS

     Not  applicable.

ITEM  6.     OWNERSHIP  OF  MORE  THAN  FIVE PERCENT ON BEHALF OF ANOTHER PERSON

If any other person is known to have the right to receive or the power to direct
the  receipt  of  dividends  from,  or  the  proceeds  from  the  sale  of, such
securities,  a  statement  to that effect should be included in response to this
item  and, if such interest relates to more than five percent of the class, such
person  should  be  identified.  A  listing of the shareholders of an investment
company registered under the Investment Company Act of 1940 or the beneficiaries
of  employee  benefit  plan,  pension  fund  or  endowment fund is not required.

     Not applicable.

<PAGE>

ITEM  7.   IDENTIFICATION  AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
           THE  SECURITY  BEING  REPORTED  ON  BY  THE  PARENT  HOLDING  COMPANY

           Not  applicable.

ITEM  8.   IDENTIFICATION  AND  CLASSIFICATION  OF  MEMBERS  OF  THE  GROUP

If  a  group  has  filed  this schedule, pursuant to  240.13d-1(b)(1)(ii)(J), so
indicate  under  Item 3(j) and attach an exhibit stating the identity and Item 3
classification  of each member of the group.  If a group has filed this schedule
pursuant  to  240.13d-1(c)  or  240.13d-1(d),  attach  an  exhibit  stating  the
identity  of  each  member  of  the  group.

           Not applicable.

ITEM  9.   NOTICE  OF  DISSOLUTION  OF  GROUP

           Not  Applicable.

ITEM  10.  CERTIFICATION

By  signing  below  I  certify that, to the best of my knowledge and belief, the
securities  referred to above were not acquired and are not held for the purpose
of  or  with  the effect of changing or influencing the control of the issuer of
the securities and were not acquired and are not held in connection with or as a
participant  in  any  transaction  having  that  purpose  or  effect.

                                    SIGNATURE

After  reasonable  inquiry and to the best of my knowledge and belief, I certify
that  the information set forth in this statement is true, complete and correct.


Dated:  September 8,  2000

Signature

/s/ Shawn Lundt
Shawn  Lundt/Director

The  original  statement  shall  be  signed  by  each person on whose behalf the
statement is filed or his authorized representative.  If the statement is signed
on  behalf  of a person by his authorized representative other than an executive
officer  or  general  partner  of  this  filing  person,  evidence  of  the
representative's  authority to sign on behalf of such person shall be filed with
the  statement,  provided,  however,  that  a power of attorney for this purpose
which  is  already on file with the Commission may be incorporated by reference.
The  name and any title of each person who signs the statement shall be typed or
printed  beneath  his  signature.

ATTENTION:  INTENTIONAL  MISSTATEMENTS  OR  OMISSIONS OF FACT CONSTITUTE FEDERAL
CRIMINAL  VIOLATIONS  (SEE  18  U.S.C.  1001).


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