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)            December 16, 2002


                          UNIVERSAL MONEY CENTERS, INC.
                          -----------------------------
             (Exact name of Registrant as specified in its charter)

        Missouri                 1-8460                        43-1242819
        --------                 ------                        ----------
(State of Incorporation)    (Commission File Number)        (I.R.S. Employer
                                                          Identification Number)


                    6800 Squibb Road, Mission, Kansas, 66202

               (Address of Principal Executive Offices) (Zip Code)


Registrant's telephone number, including area code  (913) 831-2055
                                                    --------------


          (Former name or former address, if changed since last report)





Item 9.     REGULATION FD DISCLOSURE

      On December 16, 2002,  the Registrant  filed its Quarterly  Report on Form
10-QSB for the quarterly period ended October 31, 2002 (the "Form 10-QSB"), with
the Securities and Exchange Commission. In accordance with 18 U.S.C. ss.1350, as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, the following
certifications accompanied the Form 10-QSB:

                   Certification of Chief Executive Officer

            I,  David  S.  Bonsal,   Chief   Executive   Officer  of
        Universal  Money  Centers,   Inc.,   hereby    certify,   in
        accordance  with 18 U.S.C.ss. 1350,  as adopted  pursuant to
        Section 906 of the Sarbanes-Oxley  Act of 2002, that:

            (a) The Quarterly Report on  Form 10-QSB for  the quarter
        ended October 31, 2002, which accompanies this certification,
        fully  complies  with  the  requirements  of section 13(a) or
        15(d) of the Securities Exchange Act of 1934, as amended; and

            (b) The information contained in the Quarterly  Report on
        Form 10-QSB for  the quarter ended October  31,  2002,  which
        accompanies this certification, fairly presents, in all mate-
        rial  respects, the financial condition and results of opera-
        tions of Universal Money Centers, Inc.

        Dated:  December 16, 2002.

                                             /s/ David S. Bonsal
                                             --------------------------
                                             David S. Bonsal
                                             Chief Executive Officer


                      Certification of Corporate Controller

            I,  Christopher  D.  Greek,   Corporate  Controller  of
      Universal   Money   Centers,   Inc.,   hereby   certify,   in
      accordance  with 18 U.S.C.ss. 1350,  as adopted  pursuant  to
      Section 906 of the Sarbanes-Oxley Act of 2002, that:

      (a)   The  Quarterly  Report  on  Form 10-QSB for the quarter
            ended October 31, 2002, which accompanies this certifi-
            cation, fully complies with the requirements of section
            13(a) or 15(d) of the  Securities Exchange Act of 1934,
            as amended; and

      (b)   The information contained in the  Quarterly  Report  on
            Form 10-QSB for the  quarter  ended  October 31,  2002,
            which accompanies this certification, fairly  presents,
            in  all  material  respects,  the  financial  condition
            and results of  operations  of Universal Money Centers,
            Inc.




Dated:  December 16, 2002.

                                             /s/ Christopher D.Greek
                                             ---------------------------
                                             Christopher D. Greek
                                             Corporate Controller

                                    SIGNATURE

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



                                    UNIVERSAL MONEY CENTERS, INC.


Dated:  December 16, 2002.
                                    By:   /s/ David S. Bonsal
                                        --------------------------------------
                                        David S. Bonsal
                                        Chief Executive Officer