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 of 1934


Date of Report (Date of Earliest event reported)       October 29, 1996


                       INTELLIGENT DECISION SYSTEMS, INC.
                 (as successor to Resource Finance Group, Ltd.)
            (Exact name of registrant as specified in its charter)


          Delaware                     0-22254                  38-3286394
(State or other jurisdiction          (Commission           (IRS Employer
     of incorporation)                File Number)          Identification No.)



2025 East Beltline Avenue, S.E., Suite 400, Grand Rapids, Michigan     49546
(Address of principal executive offices)                             (Zip Code)



Registrant's telephone number, including area code              (616) 285-5830
                                                  


                               Not Applicable
        (Former name or former address, if changed since last report.)






Item 5.     Other Events.

     On October 29, 1996 the Company finalized a consulting agreement with James
N. Lane, R. Wayne Fritzsche and Anthony Kamin. James N. Lane, R. Wayne Fritzsche
and  Anthony  Kamin will advise the Company on  strategic  planning,  licensing,
technical  issues,  identify  strategic  alliances/partners  and  assist  in the
development of business  opportunities.  As consideration for the services,  the
Company  has granted  each of the above  individuals  stock  options to purchase
650,000  shares of common stock of the Company at an exercise price of $1.25 per
share.  The Company has also agreed to appoint two of the above  individuals (or
their  designee) to two seats on the board of directors of the Company,  subject
to certain conditions and limitations.



Item 7      Financial Statements and Exhibits

            (a)   Financial Statements.   None

            (b)   Exhibit 10.             Consulting Agreement














                                   SIGNATURE


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



                                    INTELLIGENT DECISION SYSTEMS, INC.



Dated: November 5, 1996             By: /s/  Mark A. Babin
                                        ------------------------------
                                          Mark A. Babin, President




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