SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13D

                    Under the Securities Exchange Act of 1934
                                (Amendment No. )*

                        Digital Courier Tehnologies, Inc.
                        ---------------------------------
                                (Name of Issuer)

                                  Common Stock
                    ----------------------------------------
                         (Title of Class of Securities)

                                   253838 10 6
                                   -----------
                                 (CUSIP Number)

               Ron Buchanan, L.H. Trust, Castletown, Isle of Mann,
- --------------------------------------------------------------------------------
 (Name, Address and Telephone Number of Person Authorized to Receive Notices and
                                 Communications)

                               September 17, 1998
                            -------------------------
             (Date of Event which Requires Filing of this Statement)

If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  which is the subject of this  Schedule 13D, and is filing this
schedule because of Sections 240. 13d-1(e), 240.13d-1(f) or 240.13d-1(g),  check
the following box [ ].

Note:  Schedules  filed in paper format shall include a signed original and five
copies of the schedule,  including all exhibits. See Section 240.13d-7 for other
parties to whom copies are to be sent.

* The remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).



CUSIP No.  253838 10 6
           -----------
 ................................................................................
         1) Names of Reporting Persons.  S.S. or I.R.S.  Identification  Nos. of
            Above Persons

            L.H. Trust
 ................................................................................
         2) Check the Appropriate Box if a Member of a Group *

                  (a)  [ ]
                  (b)  [ ]
 ................................................................................
         3) SEC Use Only

 ................................................................................
         4) Source of Funds (See Instructions)

            OO(other)
 ................................................................................
         5) Check if Disclosure  of Legal  Proceedings  is Required  Pursuant to
            Items 2(d) or 2(e)

            
 ................................................................................
         6) Citizenship or Place of Organization

            Isle of Mann
 ................................................................................
Number of Shares                    (7) Sole Voting Power              995,296
Beneficially Owned                  ............................................
by Each Reporting                   (8) Shared Voting Power            0
Person With                         ............................................
                                    (9) Sole Dispositive Power         995,296
                                    ............................................
                                    (10) Shared Dispositive Power      0
 ................................................................................
         11) Aggregate Amount Beneficially Owned by Each Reporting Person

                  995,296
 ................................................................................
         12) Check if the Aggregate Amount in Row (11) Excludes Certain Shares *

               
 ................................................................................
         13) Percent of Class Represented by Amount in Row (11)

                  7.6%
 ................................................................................
         14) Type of Reporting Person (See Instructions) *

                  00(other)
 ................................................................................



SIGNATURE

After  reasonable  inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

Date:     October 20, 1998

/s/ Ron Buchanan
- -----------------------------
(Signature)


Ron Buchanan, Administrator
- -----------------------------
(Name/Title)

The  original  statement  shall be signed by each  person  on whose  behalf  the
statement is filed or his authorized representative.  If the statement is signed
on behalf of a person by his authorized  representative (other than an executive
officer  or  general   partner  of  this   filing   person),   evidence  of  the
representative's  authority to sign on behalf of such person shall be filed with
the  statement,  provided,  however,  that a power of attorney  for this purpose
which is already on file with the Commission may be  incorporated  by reference.
The name and any title of each person who signs the statement  shall be typed or
printed beneath his signiture.

Attention:  Intentional  misstatements  or omissions of fact constitute  Federal
criminal viotations (See 18 U.S.C. 1001)