UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Quarter Ended: Sept 30, 2000
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a restatement
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: AFA Financial, Inc.
Address: 8748 Brecksville Road
Suite 115
Brecksville, OH 44141
13F File Number: 28-2369
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Michelle Leicher
Title: Vice President
Phone: 440-838-0800
Signature, Place, and Date of Signing
Michelle Leicher Reno, Nevada Oct 11, 2000
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.
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FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 32
Form 13F Information Table Value Total: $64,499
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<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
ABBOTT LABS COM 002824100 2008 42225 SH SOLE N/A 42225
AMERICAN EXPRESS COM 025816109 1856 30550 SH SOLE N/A 30550
AMERICAN HOME PRODUCTS COM 026609107 1281 22695 SH SOLE N/A 22695
AMGEN, INC. COM 031162100 1722 24665 SH SOLE N/A 24665
ANADARKO RETRO COM 032511100 899 13525 SH SOLE N/A 13525
CISCO SYSTEMS COM 17275R102 3959 71650 SH SOLE N/A 71650
CITIGROUP COM 172967101 3470 64033 SH SOLE N/A 64033
COSTCO WHOLESALE COM 22160Q102 2503 71625 SH SOLE N/A 71625
DELL COMPUTERS COM 247025109 2355 76430 SH SOLE N/A 76430
DIGENE CORP COM 253752109 504 14000 SH SOLE N/A 14000
ENRON CORP COM 293561106 2878 32840 SH SOLE N/A 32840
FEDERAL NAT'L MTG COM 313586109 1143 15990 SH SOLE N/A 15990
GENERAL ELECTRIC COM 369604103 3375 58510 SH SOLE N/A 58510
HOME DEPOT COM 437076102 2789 52557 SH SOLE N/A 52557
HONEYWELL INT'L COM 438516107 1203 33750 SH SOLE N/A 33750
HOUSEHOLD INT'L COM 441815107 2659 46950 SH SOLE N/A 46950
INT BUSINESS MACHINE COM 459200100 2000 17801 SH SOLE N/A 17801
INTEL COM 458140100 3552 85470 SH SOLE N/A 85470
JOHNSON & JOHNSON COM 478160104 1301 13850 SH SOLE N/A 13850
LEVEL 3 COMMUNICATIONS COM 52729N100 2851 36965 SH SOLE N/A 36965
LINEAR TECHNOLOGY COM 535678106 1007 15550 SH SOLE N/A 15550
LUCENT TECH. COM 549463107 1497 48982 SH SOLE N/A 48982
MEDTRONIC INC. COM 585055106 518 10000 SH SOLE N/A 10000
MERCK AND CO. COM 589331107 1284 17245 SH SOLE N/A 17245
MICROSOFT CORP COM 594918104 2082 34525 SH SOLE N/A 34525
MORGAN STANLEY DWD COM 617446440 3144 34385 SH SOLE N/A 34385
NORTEL NETWORKS COM 656568100 930 15500 SH SOLE N/A 15500
SCHERING-PLOUGH COM 806605101 1793 38520 SH SOLE N/A 38520
TYCO INTERNATIONAL COM 902120106 3998 77432 SH SOLE N/A 77432
UNION PACIFIC COM 907818108 998 25625 SH SOLE N/A 25625
WAL-MART STORES COM 931142103 2725 56540 SH SOLE N/A 56540
WORLDCOM, INC COM 98157D106 216 7100 SH SOLE N/A 7100
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