8-K

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington D.C. 20549

                                    FORM 8-K
                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

                Date of Report (Date of Earliest Event Reported):
                                November 20, 2000

                            ADVANCED FINANCIAL, INC.

                                ----------------

             (Exact Name of Registrant as Specified in Its Charter)

         Delaware                  0-19485                  84-1069416
         --------                  -------                  ----------

(State of Incorporation)   (Commission File Number)       (IRS Employer
                                                      Identification Number)

                     5425 Martindale, Shawnee, Kansas 66218
                       ----------------------------------

               (Address of Principal Executive Offices) (Zip Code)

                                 (913) 535-1002
                                    --------

              (Registrant's Telephone Number, Including Area Code)

              911 Main St., Suite 1900, Kansas City, Missouri 64105

          (Former name or former address, if changed since last report)






Item 4.   Changes in Registrant's Certifying Accountant

     (a)(1)(i)  On November  14, 2000 the  registrant's  certifying  accountant,
Grant  Thornton  informed  registrant  that it was  resigning  as  auditors  for
registrant.

     ii   For the registrant's  year  end  financial  statements, from the years
ended March 31, 1998 and 1997 Grant Thornton rendered an  audit  opinion  letter
modified as to an uncertainty as follows:

          The accompanying financial statements have been prepared assuming that
the Company will continue as a going  concern.  As  discussed  in  Note B to the
consolidated  financial  statements,  on November 7, 1997,  the Company  filed a
voluntary  petition for reorganization in the United States Bankruptcy Court for
the District of Kansas  (Bankruptcy Court) under Chapter 11 of the United States
Bankruptcy Code (Bankruptcy Code).  Pursuant to the Bankruptcy Code, the Company
has  continued  to  manage  its  business  as a  debtor-in-possession  under the
jurisdiction of the Bankruptcy Court, but has no ongoing operations. On November
13, 1998, the Bankruptcy  Court confirmed the Company's First Amended Joint Plan
of Reorganization dated July 29, 1998. These factors, among others, as discussed
in Note B to the consolidated  financial  statements,  raise  substantial  doubt
about the Company's ability to continue as a going concern.  Management's  plans
in regard these matters are described in Note B. The financial statements do not
include any adjustments that might result from the outcome of this uncertainty.

     iii  Since Grant  Thornton  resigned,  there was no such  decision  made by
Registrant to change accountants.

          At the time Grant  Thornton  resigned,  there  were  no  disagreements
between Registrant and Grant Thornton on any matter of accounting  principles or
practices,  financial statement disclosure, or audit scope or procedures,  which
disagreements  if not resolved to their  satisfaction  would have caused them to
make  reference to the subject  matter of the  disagreement  in connection  with
their reports.

     2.   No new accountant has been engaged by the Registrant as of the date of
this report.

          Item 7. Financial Statements and Exhibits

          a.   Financial Statements
                    None

          b.   Proforma Financial Statements
                    None

          c.   Exhibits
                    16.1 Letter on Changes in Certifying Accountant






SIGNATURES

     Pursuant to the  requirements  of the  Securities and Exchange Act of 1934,
the registrant has duly caused this report as amended to be signed on its behalf
by the undersigned hereunto duly authorized.

                                  ADVANCED FINANCIAL,
                                      (registrant)



                                  /s/ William B. Morris
                                  William B. Morris
                                  Senior Vice President
                                  and Secretary


Dated: December 8, 2000

EX-16.1

                                                                  GRANT THORNTON

Accountants and
Management Consultants
Grant Thornton LLP
The US Member Firm of
Grant Thornton International


December 12, 2000



Securities and Exchange Commission
Washington, D.C. 20549

Re:   Advanced Financial, Inc.
      File No. 0-19485

Dear Sir or Madam:

We  have  read Item 4 of the Form 8-K of Advanced Financial, Inc. dated December
8, 2000, and agree with the statements contained therein.

Very truly yours,

/s/ Grant Thornton LLP











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