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                                                       SEC FILE NUMBER
                                                         CUSIP NUMBER

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                   FORM 12B-25

                           NOTIFICATION OF LATE FILING


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

For Period Ended: January 31, 2000
[ ] 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 Instruction (on back page) 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, identify
the Item(s) to which the notification relates:

PART I -- REGISTRANT INFORMATION

Full Name of Registrant
                  MIRADOR DIVERSIFIED SERVICES, INC.

Former Name if Applicable

                  TCT Financial Services B, Inc.

Address of Principal Executive Office (Street and Number)

675 Lynnhaven Parkway, 2nd Floor

City, State and Zip Code

Virginia Beach, VA 23452
   2
PART II -- RULES 12B-25(B) AND (c)

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)

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

   [X]  (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 of
                transition report on Form 10-Q, or portion thereof will be filed
                on or before the fifth;

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


PART III -- NARRATIVE

State below in reasonable detail the reasons why Forms 10-K, 20-F, 11-K, 10-Q,
N-SAR, or the transition report portion thereof, could not be filed within the
prescribed time period.

    Our auditors have not yet completed their audit of our financial statements,
    and we do not anticipate that they will be received by us in time for the
    filing deadline of April 30, 2001. We have also retained new legal counsel
    recently and they must review extensive company information to assist us
    with filing Form 10-KSB.


PART IV -- OTHER INFORMATION

(1)     Name and telephone number of person to contact in regard to this
        notification

        Robert Paul Turner -- Legal Counsel     (775)             324-4100
        -----------------------------------------------------------------------
        (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 answer is no, identify report(s). [X]  Yes [ ] No

(3)     Is it anticipated that any significant change in results of operations
        from the corresponding period for the last 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 reason why a reasonable estimate
of the results cannot be made.


                       Mirador Diversified Services, Inc.
                       ----------------------------------
                  (Name of Registrant as Specified in Charter)

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

Date   April 27, 2001     By /s/ John Jones
                             ------------------------