MILLENIUM HOLDING GROUP INC /AZ/
8-K, 2000-07-13
BUSINESS SERVICES, NEC
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                   FORM 8-K

                                 CURRENT REPORT
         Pursuant to Section 13 or 15(d) of The Securities Exchange Act


                                  July 11, 2000
                                 Date of Report
                           (Date of Earliest Reported)


                          MILLENIUM HOLDING GROUP, INC.
                         (Name of Small Business Issuer)


    NEVADA                        0-28431                       88-0109108
  (State of                     (Commission                 (I.R.S. Employer
Incorporation)                  File Number)              Identification Number)


                       3800 Old Cheney Road Suite 101-222
                                Lincoln, NE 68516
           (Address of Principal Executive Offices Including Zip Code)


                                 (402) 434 5690
                        (Registrant's Telephone Number)
<PAGE>
ITEM 5. OTHER EVENTS

     The  Registrant  has entered into a contract  with IBM and Yojna,  Inc. IBM
will contractually provide a highly skilled staff of consultants and technicians
to manage the entire Millenium project from design to implementation. Yojna is a
high  technology  software  products  and  services  company and will supply its
ACCORD  FinancialNet  software to Millenium to be used in the company's Internet
Bank.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

     The contract  with the  registrant  contains  information  of a proprietary
nature and will not be attached.  The joint press release is attached  hereto as
exhibit 99.

                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  caused this statement to be signed on its behalf by the  undersigned
thereunto duly authorized.

                                    Millenium Holding Group, Inc.


July 11, 2000                       By: /s/ Richard L. Ham
                                        ----------------------------------------
                                        Richard L. Ham, Director and President


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