Exhibit 32.1


                    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 (December 31, 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: February 15, 2004                     /s/  Charles A. Holtgraves
                                            -----------------------------------
                                                 Charles A. Holtgraves
                                                 Chief Executive Officer
                                                 Chief Financial Officer