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:
July 11, 2001                                              000-28453


                                   FORM 8-K/A
                                 Amendment No. 2


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

         Delaware                                            75-2610236
- ---------------------------                             -----------------------
(State of Incorporation)                                    (IRS ID No.)

  6060 N. Central Expressway, Suite 560 #7, Dallas, Texas            75206
  --------------------------------------------------------          -------
   (Address of principal executive offices)                        (Zip code)

Registrant's telephone number, including area code: 214-800-2842




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.

     The  Registrant  previously  disclosed  that it had 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.  This amended 8-K is to
correct such prior disclosure as John S. Osborn, P.C. was never engaged to serve
as the Registrant's auditor.

Item 7. Financial Statements and Exhibits.

(a) Not applicable.

(b) Not applicable.

(c) Exhibits: 16. Letter of S.W. Hatfield

Previously filed with amended 8-K filed on July 11, 2001



                                   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.


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


DATE: October 18, 2002
Dallas, Texas