Exhibit 32

                    ADVANCED FINANCIAL INC. AND SUBSIDIARIES




            Section 906 Certification of Principal Executive Officer
                          and Chief Executive Officer

     I, Charles A. Holtgraves, Chief Executive officer (Principal Executive
Officer and Chief Financial Officer), certify that this quarterly report on Form
10-QSB for the quarterly period ended (September 30,2003) fully complies with
the requirements of Section 13(a) of 15(d) of the Securities Exchange Act of
1934, and that the information contained herein fairly presents, in all material
respects, the financial condition and results of operations of Advanced
Financial Inc. and its subsidiaries for the periods presented.


Date: December 31, 2003                     /s/  Charles A. Holtgraves
                                            -----------------------------------
                                                 Charles A. Holtgraves
                                                 Chief Executive Officer
                                                 Chief Financial Officer