Exhibit 14.1
                        UNIFIED FINANCIAL SERVICES, INC.

                                 Code of Ethics
                                       For
                             Financial Professionals

                                                                   April 8, 2003

         This Code of Ethics for Financial Professionals applies to the chief
executive officer of Unified Financial Services, Inc. ("Unified"), the chief
executive officer of each of Unified's subsidiaries and all professionals
serving in a finance, accounting, treasury or tax role for Unified or one of its
subsidiaries.  Unified expects all of its employees to act in accordance with
the highest standards of personal and professional integrity in all aspects of
their activities, to comply with all applicable laws, rules and regulations, to
deter wrongdoing and abide by this Code of Conduct and other policies and
procedures adopted by Unified that govern the conduct of its employees,
including Unified's Conflicts of Interest Policy and Code of Ethics, as set
forth in Unified's Employee Handbook.

         You agree to:

         (a)     Engage in and promote honest and ethical conduct, including the
                 ethical handling of actual or apparent conflicts of interest
                 between personal and professional relationships;

         (b)     Avoid conflicts of interest and to disclose to the General
                 Counsel of Unified and the Audit, Nominating and Compensation
                 Committee of the Board of Directors of Unified (the
                 "Committee") any material transaction or relationship that
                 reasonably could be expected to give rise to such a conflict;

         (c)     Take all reasonable measures to protect the confidentiality of
                 non-public information about Unified or its subsidiaries and
                 their customers obtained or created in connection with your
                 activities and to prevent the unauthorized disclosure of such
                 information, unless required by applicable law or regulation or
                 legal or regulatory process;

         (d)     Produce full, fair, accurate, timely and understandable
                 disclosure in reports and documents that Unified or its
                 subsidiaries files with, or submits to, the Securities and
                 Exchange Commission and other regulators and in other public
                 communications made by Unified or its subsidiaries;

         (e)     Comply with applicable governmental laws, rules and
                 regulations, as well as the rules and regulations of
                 self-regulatory organizations of which Unified or its
                 subsidiaries is a member; and

         (f)     Promptly report any possible violation of this Code of Ethics
                 to the General Counsel and the Committee.

         You are prohibited from directly or indirectly taking any action to
fraudulently influence, coerce, manipulate or mislead Unified's or it's
subsidiaries independent public auditors for the purpose of rendering the
financial statements of Unified or its subsidiaries misleading.


         You understand that you will be held accountable for your adherence to
this Code of Ethics.  Your failure to observe the terms of this Code of Ethics
may result in disciplinary action, up to and including termination of
employment.  Violations of this Code of Ethics also may constitute violations of
law and may result in civil and criminal penalties for you, your supervisors
and/or Unified.

         If you have any questions regarding the best course of action in a
particular situation, you should promptly contact the General Counsel of
Unified.  You may choose to remain anonymous in reporting any possible violation
of this Code of Ethics.



         YOUR PERSONAL COMMITMENT TO THE UNIFIED CODE OF ETHICS FOR FINANCIAL
PROFESSIONALS

         I acknowledge that I have received and read the Unified Financial
Services, Inc. Code of Ethics for Financial Professionals, dated April 8, 2003,
and understand my obligations as an employee to comply with the Code of Ethics.

         I understand that my agreement to comply with the Code of Ethics does
not constitute a contract of employment.


Please sign here: _____________________________      Date:_____________________

Please print your name:________________________


This signed and completed form must be returned to your manager or designated
human resources professionals.