U.S. SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20549

                                 FORM 12B-25

                           NOTIFICATION OF LATE FILING


                          UNIVERSAL MONEY CENTERS, INC.
                                  (registrant)

                                     1-8460
                               (SEC FILE NUMBER)

                                    913756102
                                 (CUSIP Number)


[  ]  Form 10-K and Form 10-KSB     [  ]  Form 20-F       [   ] Form 11-K
           [ X ] Form 10-Q and Form 10-QSB     [    ] Form N-SAR

      For Period Ended:   April 30, 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:________________________________________________

________________________________________________________________________________

      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:       Not Applicable

________________________________________________________________________________

Part I - Registrant Information
________________________________________________________________________________

      Full Name of Registrant:                Universal Money Centers, Inc.
                                              ----------------------------------
      Former Name if Applicable:              Not Applicable
                                              ----------------------------------
      Address of Principal Executive Officer: 6800 Squibb Road
                                              ----------------------------------
                                                  (Street and Number)
                                              Mission, KS 66202
                                              ----------------------------------
                                                  (City, State and Zip Code)






________________________________________________________________________________

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)

[X]   (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 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.
________________________________________________________________________________

Part III - Narrative
________________________________________________________________________________

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

           The financial statements of Universal Money Centers, Inc. (the
      "Company") for fiscal quarter and three months ended April 30, 2000 and
      Management Discussion and Analysis have not yet been completed for the
      following reasons: (i) transitions of accounting staff; and (ii) new
      reporting regulations.

           Each of the above have made completion of the financial statements of
      the Company very complicated, expensive and time consuming.
________________________________________________________________________________

Part IV - Other Information
________________________________________________________________________________

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

           Christopher Greek              913-831-2055
           --------------------           ---------------------------
           (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)

                               [ X ]  Yes      [   ]   No






      (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.


                         Universal Money Centers, Inc.
                         -----------------------------
                 (Name of Registrant as specified in charter)

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


Date: June 14, 2000                       By:  /s/ David S. Bonsal
                                               ---------------------------------
                                               David S. Bonsal,
                                               Chairman of the Board and Chief
                                               Executive Officer