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 annual report on Form
10-KSB for the annual period ended (March 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: November 21, 2003                     /s/  Charles A. Holtgraves
                                            -----------------------------------
                                                 Charles A. Holtgraves
                                                 Chief Executive Officer
                                                 Chief Financial Officer