SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

(Check One) : [  ] Form 10-K [  ] Form 20-F [  ] Form 11-K [X] Form 10-Q
              [  ] Form N-SAR

                         For Period Ended:  September 30, 2001

                         [ ] Transition Report on Form 10-K
                         [ ] Transition Report on Form 20-F
                         [ ] Transition Report on Form 11-K
                         [ ] Transition Report on Form 10-Q
                         [ ] Transition Report on Form N-SAR

                          For the Transition Period
                          Ended:________________________

  READ ATTACHED INSTRUCTION SHEET BEFORE PREPARING FORM. PLEASE PRINT OR TYPE.

    Nothing in this form shall be construed to imply that the commission has
                   verified any information contained herein.

If the notification relates to a portion of the filing checked above, indentify
the item (s) to which the notification relates:

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                         PART I - REGISTRANT INFORMATION

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Rx Medical Services Corp.
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Full name of registrant

ARM Financial Corp.
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Former name if applicable

888 East Las Olas Boulevard, Suite 210
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Address of principal executive office (Street and Number)

Fort Lauderdale, Florida  33301-2239
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City, state and zip code

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                       PART II - RULE 12-b-25 (b) AND (c)
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If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25 (b), the following
should be completed. (Check box if appropriate)

[X]   (a)  The reasons described in reasonable detail in Part III of this
           form could not be eliminated without reasonable effort or expense;

[ ]   (b)  The subject annual report semi-annual report, transition report
           on Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion thereof will
           be filed on or before the fifteenth calendar day following the
           prescribed due date; or the subject quarterly report or transition
           report on Form 10-Q, or portion thereof will be filed on or before
           the fifth calendar day following the prescribed due date; and

[ ]   (c)  The accountant's statement or other exhibit required by
           Rule 12b-25 (c) has been attached if applicable.





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                              PART III - NARRATIVE
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State below in reasonable detail the reasons why Form 10-K, 20-F, 11-K, 10-Q,
N-SAR, or the transition report or portion thereof could not be filed within the
prescribed period. (Attached extra sheets if needed.)

         The audits of the financial statements of the registrant for the years
         ended December 31, 1999 and 2000 have not yet been completed. Once said
         audits are completed and the registrant's annual report on Form 10-K
         for the years ended December 31, 1999 and 2000 are filed, the
         registrant will be in a position to file unaudited financial statements
         for the quarter ended September 30, 2001. The registrant anticipates
         that its Form 10-Q for the second quarter ended September 30, 2001 will
         be filed on or about September 30, 2002.

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                           PART IV - OTHER INFORMATION
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(1)  Name and telephone number of person to contact in regard to this
     notification

        Michael L. Goldberg             954              462-1711 (Ext #13)
        -------------------         -----------          ------------------
              (Name)                (Area Code)          (Telephone Number)

(2)  Have all other periodic reports required under section 13 or 15(d) of
     the Securities Exchange Act of 1934 or section 30 of the Investment
     Company Act of 1940 during the preceding 12 months or for such shorter
     period that the registrant was required to file such report (s) been
     filed? If the answer is no, identify report (s).

                                                              [ ] Yes [X] No

     The annual report on Form 10-K for the year ended December 31, 1999.
     The quarterly report on Form 10-Q for the quarter ended March 31, 2000.
     The quarterly report on Form 10-Q for the quarter ended June 30, 2000.
     The quarterly report on Form 10-Q for the quarter ended September 30,
     2000.
     The annual report on Form 10-K for the year ended December 31, 2000.
     The quarterly report on Form 10-Q for the quarter ended March 31, 2001.
     The quarterly report on Form 10-Q for the quarter ended June 30, 2001.

(3)  Is it anticipated that any significant change in results of operations
     from the corresponding period for the last fiscal year will be
     reflected by the earnings statements to be included in the subject
     report or portion thereof?

                                                                  [ ] Yes [X] No

     If so: attach an explanation of the anticipated change, both
     narratively and quantitatively, and, if appropriate, state the reasons
     why a reasonable estimate of the results cannot be made.

                            RX MEDICAL SERVICES CORP.
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                  (Name of Registrant as specified in charter)

has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.

Date: November 12, 2001                By: /s/ Michael L. Goldberg
                                           Michael L. Goldberg,
                                           Chief Executive Officer

INSTRUCTION: The form may be signed by an executive officer of the registrant or
by any other duly authorized representative. The name and title of the person
signing the form shall be typed or printed beneath the signature. If the
statement is signed on behalf of the registrant by an authorized representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.

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                                    ATTENTION

Intentional misstatements or omissions of fact constitute Federal Criminal
Violations (See 18 U.S.C. 1001).
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                              GENERAL INSTRUCTIONS
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1.       This form is required by Rule 12b-25 of the General Rules and
         Regulations under the Securities Exchange Act of 1934.

2.       One signed original and four conformed copies of this form and
         amendments thereto must be completed and filed with the Securities and
         Exchange Commission, Washington, DC 20549, in accordance with Rule O-3
         of the General Rules and Regulations of the Act. The information
         contained in or filed with the form will be made a matter of public
         record in the Commission files.

3.       A manually signed copy of the form and amendments thereto shall be
         filed with each national securities exchange on which any class of
         securities of the registrant is registered.

4.       Amendments to the notification must be filed on Form 12b-25 but need
         not restate information that has been correctly furnished. The form
         shall be clearly identified as an amendment notification.

5.       ELECTRONIC FILERS. This form shall not be used by electronic filers
         unable to timely file a report solely due to electronic difficulties.
         Filers unable to submit a report within the time period prescribed due
         to difficulties in electronic filing should comply with either Rule 201
         or Rule 202 of Regulation S-T or apply for an adjustment in filing date
         pursuant to Rule 13(b) of Regulation S-T.





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