UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 3 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES
1. Name and Address of Reporting Person
JOHNSON ABREU, KELLIE
BISHOP RANCH 7
2527 CAMINO RAMON, SUITE 200
SAN RAMON, CA 94583
2. Date of Event Requiring Statement (Month/Day/Year)
11/12/99
3. I.R.S. Identification Number of Reporting Person, if an entity (Voluntary)
4. Issuer Name and Ticker or Trading Symbol
FiNet.com, Inc. (FNCM)
5. Relationship of Reporting Person to Issuer (Check all applicable)
[ ] Director [ ] 10% Owner
[X] Officer (give title below) [ ] Other (specify below)
6. If Amendment, Date of Original (Month/Day/Year)
7. Individual or Joint/Group Filing (Check Applicable Line)
[X] Form filed by One Reporting Person
[ ] Form filed by More than One Reporting Person
<TABLE>
<CAPTION>
Table I Non-Derivative Securities Beneficially Owned
- -----------------------------------------------------------------------------------------------------
1)Title of Security 2)Amount of 3) 4)Nature of
Securities D Indirect
Beneficially or Beneficial
Owned I Ownership
- -----------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
Common Stock 5,000 I by Spouse
<CAPTION>
Table II Derivative Securitites Beneficially Owned
- ------------------------------------------------------------------------------------------------------------------------------------
1)Title of Derivative Security 2)Date Exercisable 3)Title and Amount of 4)Conver- 5)Ownership 6)Nature of
and Expiration Date Securities Underlying sion or Form of Indirect
(Month/Day/Year) Derivative Security exercise Derivative Beneficial
price of Security Ownership
Date Expira- Amount or Deri- Direct(D)
Exer- tion Number of vative or
cisable Date Title Shares Security Indirect(I)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
Incentive Stock Option (right to(1) 11/12/09 Common Stock 213,310 $2.2190 D Direct
buy)
Non-Qualified Stock Option (1) 11/12/09 Common Stock 136,690 $2.2190 D Direct
(right to buy)
<FN>
Explanation of Responses:
(1)
This option vests 20% on Grant, the remaining vest in four equal annual installments beginning on the first anniversary of the date
of Grant.
</FN>
</TABLE>
SIGNATURE OF REPORTING PERSON
/S/ JOHNSON ABREU, KELLIE
DATE 11/22/99
