CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                             SECURITIES ACT OF 1934


         Date of Report
(Date of Earliest Events Reported):                      Commission File Number:
         February 2, 2001                                       000-28453


                                    FORM 8-K

                        Ameri-First Financial Group, Inc.
             ------------------------------------------------------
             (exact name of registrant as specified in its charter)

       Delaware                                                     84-0849132
- ------------------------                                         ---------------
(State of Incorporation)                                           (IRS ID No.)


         13663 Jupiter Road, Suite 401, Dallas, Texas           75238
         --------------------------------------------        ----------
           (Address of principal executive offices)          (Zip code)

Registrant's telephone number, including area code: 214-343-9700
                                                    ------------

Item 4. Change in Registrant's Certifying Accountant.

         S.W. Hatfield,  Certified Public Accountant,  of Dallas,  Texas audited
the  Registrant's  financial  statements at and for the year ended  December 31,
1999,  and the opinion of S.W.  Hatfield was not  qualified  in any manner.  For
certain  business  reasons,  the Board of Directors of the Registrant has chosen
not to engage S.W.  Hatfield to audit the Registrant's  financial  statements at
and for the year  ended  December  31,  2000.  The  auditor-client  relationship
between the Registrant and S.W. Hatfield has ceased.

         During the Registrant's  relationship with S.W. Hatfield, there were no
disagreements  between  the  Registrant  and  S.W.  Hatfield  on any  matter  of
accounting principles or practices,  financial statement disclosure, or auditing
scope or  procedure.  In  addition,  there  were no  disagreements  between  the
Registrant  and  S.W.  Hatfield  on  any  matter  of  accounting  principles  or
practices,  financial statement disclosure, or auditing scope and procedures for
the  December  31,  1999  financial  statements.  Further,  there  have  been no
disagreements  between  the  Registrant  and the S.W.  Hatfield on any matter of
accounting principles or practices,  financial statement disclosure, or auditing
scope and procedures for December 31, 1999 to the present.


                                      -1-



         Following  approval of its Board of Directors,  the Registrant  engaged
John S. Osborn,  P.C.,  Certified Public Accountants,  of Plano, Texas, to audit
its financial  statements at and for the year ended  December 31, 2000.  Neither
the  Registrant  nor  anyone on its behalf at any time has  consulted  the newly
engaged accountant regarding:  (i) the application of accounting principles to a
specified  transaction,  either completed or proposed; or (ii) the type of audit
opinion  that might be rendered on the  Registrant's  financial  statements;  or
(iii) any matter  that was either the  subject of a  disagreement  (there  being
none) or a reportable event (there being none).

         The Registrant has provided S.W. Hatfield with a copy of this Report on
Form 8-K simultaneously  with the filing hereof with the Securities and Exchange
Commission,  accompanied by a request that S.W.  Hatfield furnish the Registrant
with a letter  addressed  to the  Securities  and  Exchange  Commission  stating
whether it agrees with the foregoing  statements  made by the  Registrant.  S.W.
Hatfield's  letter will be filed by the  Registrant in an amendment to this Form
8-K.


Item 7.  Financial Statements and Exhibits.

(a)     Not applicable.

(b)     Not applicable.

(c)     Exhibits:

        16.     Letter of S.W. Hatfield(previously filed with the Commission).


                                   SIGNATURES

         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.



                                AMERI-FIRST FINANCIAL GROUP, INC.
                                ---------------------------------
                                (Registrant)



                                By:  /s/  Gary W. Bell
                                   ------------------------------
                                   Gary W. Bell, President



DATE: February 14, 2001
      Dallas, Texas




                                      -2-