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<TITLE>AFC Form 8-K -- acquisition of UCB</TITLE>
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<META NAME="date" CONTENT="02/14/2003">
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>SECURITIES AND EXCHANGE COMMISSION</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Washington, D.C. &nbsp;20549</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>___________</P>
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<P style="margin:0pt; line-height:18pt; font-size:16pt" align=center><B>FORM 8-K</B></P>
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<P style="margin:0pt; line-height:18pt; font-size:16pt" align=center><B>CURRENT REPORT</B></P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Pursuant to Section 13 or 15(d) of the</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Securities Exchange Act of 1934</B></P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>Date of Report: &nbsp;February 7, 2003</P>
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<P style="margin:0pt; line-height:20pt; font-size:18pt" align=center><B>EASY MONEY HOLDING CORPORATION</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Exact Name of Registrant as Specified in its Charter)</P>
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<TABLE align=center><TR><TD valign=top width=212.8><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(State or Other Jurisdiction</P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>of Incorporation)</P>
</TD><TD valign=top width=212.8 colspan=2><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>333-73428</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=212.8><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>54-1875786</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(IRS Employer</P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>Identification No.)</P>
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<TR><TD valign=top width=212.8>&nbsp;</TD><TD valign=top width=212.8 colspan=2>&nbsp;</TD><TD valign=top width=212.8>&nbsp;</TD></TR>
<TR><TD valign=top width=319.2 colspan=2><P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>5295 Greenwich Road, Suite 108</B></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>Virginia Beach, Virginia</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Address of Principal Executive Offices)</P>
</TD><TD valign=top width=319.2 colspan=2><P style="margin:0pt; font-size:12pt" align=center><BR></P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>23462</B></P>
<P style="margin:0pt; line-height:13pt; font-size:11pt" align=center>(Zip Code)</P>
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<TR><TD valign=top width=319.2 colspan=2>&nbsp;</TD><TD valign=top width=319.2 colspan=2>&nbsp;</TD></TR>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center>Registrant&#146;s telephone number, including area code:</P>
<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>(757) 499-1126</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-size:12pt"><B>Item 4.</B></P>
<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt"><B>&nbsp;&nbsp;Changes in Registrant&#146;s Certifying Accountant.</B></P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>On February 7, 2003, Cherry, Bekaert, &amp; Holland, L.L.P. (&#147;Cherry Bekaert&#148;) notified Easy Money Holding Corporation that it declined to stand for reappointment as the independent accountant chosen to audit the financial statements of Easy Money Holding Corporation (the &#147;Company&#148;) for the year ended December 31, 2002. &nbsp;As of the filing of this report, the Company has not appointed an independent certified public accountant to replace Cherry Bekaert.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>Cherry Bekaert was appointed as the Company&#146;s independent certified public accountant on January 24, 2002. &nbsp;Cherry Bekaert&#146;s report on the Company&#146;s financial statements for the fiscal year ended December 31, 2001 did not contain an adverse opinion or a disclaimer of opinion, and was not qualified or modified as to uncertainty, audit scope or accounting principles. &nbsp;Furthermore, at no time during Cherry Bekaert&#146;s audit of the December 31, 2001
financial statements and the subsequent review of the interim periods through September
30, 2002, have there been any disagreements with Cherry Bekaert on any matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure, which disagreements, if not resolved to the satisfaction of Cherry Bekaert would have caused Cherry Bekaert to make reference to the subject matter of the disagreements in connection with any report.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>The Company has provided Cherry Bekaert with a copy of this Current Report. &nbsp;A letter from Cherry Bekaert to the Securities and Exchange Commission, dated February 14, 2003 with respect to this matter is attached hereto as Exhibit 16.</P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt"><B>Item 7. &nbsp;&nbsp;Financial Statements, <I>Pro Forma</I> Financial Information and Exhibits.</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>(c)</P>
<P style="margin:0pt; text-indent:72pt; line-height:14pt; font-size:12pt" align=justify>Exhibits.</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:72pt; line-height:14pt; font-size:12pt" align=justify><U>Exhibit No.</U></P>
<P style="margin:0pt; text-indent:180pt; line-height:14pt; font-size:12pt" align=justify><U>Description</U></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:180pt; text-indent:-90pt; line-height:14pt; font-size:12pt">16</P>
<P style="margin:0pt; padding-left:180pt; line-height:14pt; font-size:12pt">Letter dated February 14, 2003 from Cherry, Bekaert, &amp; Holland, L.L.P re Change in Certifying Accountant.</P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>SIGNATURE</B></P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-size:12pt" align=justify>Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>
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<P style="margin:0pt; text-indent:216pt; line-height:14pt; font-size:12pt" align=justify><B>EASY MONEY HOLDING CORPORATION</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-size:12pt" align=justify>Dated: &nbsp;February 14, 2003</P>
<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:216pt; line-height:14pt; font-size:12pt" align=justify>By:</P>
<U><P style="margin-top:0pt; margin-bottom:-14pt; text-indent:240pt; line-height:14pt; font-size:12pt" align=justify>/s/David Greenberg&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
<U><P style="margin:0pt; text-indent:396pt; font-size:12pt" align=justify><BR></U></P>
<P style="margin:0pt; text-indent:238.5pt; line-height:14pt; font-size:12pt">David Greenberg</P>
<P style="margin:0pt; text-indent:238.5pt; line-height:14pt; font-size:12pt">President </P>
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<P style="margin:0pt; line-height:14pt; font-size:12pt" align=center><B>INDEX TO EXHIBITS</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-size:12pt" align=justify><U>No.</U></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:108pt; text-indent:-108pt; line-height:14pt; font-size:12pt">16</P>
<P style="margin:0pt; padding-left:108pt; line-height:14pt; font-size:12pt">Letter dated February 14, 2003 from Cherry, Bekaert, &amp; Holland, L.L.P re Change in Certifying Accountant.</P>
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AFC Form 8-K -- acquisition of UCB
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:  February 7, 2003
(Date of earliest event reported)
EASY MONEY HOLDING CORPORATION
(Exact Name of Registrant as Specified in its Charter)
Virginia
(State or Other Jurisdiction
of Incorporation)
333-73428
(Commission File Number)
54-1875786
(IRS Employer
Identification No.)
5295 Greenwich Road, Suite 108
Virginia Beach, Virginia
(Address of Principal Executive Offices)
23462
(Zip Code)
Registrant's telephone number, including area code:
(757) 499-1126
Item 4.
Changes in Registrant's Certifying Accountant.
On February 7, 2003, Cherry, Bekaert, & Holland, L.L.P. ("Cherry Bekaert") notified Easy Money Holding Corporation that it declined to stand for reappointment as the independent accountant chosen to audit the financial statements of Easy Money Holding Corporation (the "Company") for the year ended December 31, 2002.  As of the filing of this report, the Company has not appointed an independent certified public accountant to replace Cherry Bekaert.
Cherry Bekaert was appointed as the Company's independent certified public accountant on January 24, 2002.  Cherry Bekaert's report on the Company's financial statements for the fiscal year ended December 31, 2001 did not contain an adverse opinion or a disclaimer of opinion, and was not qualified or modified as to uncertainty, audit scope or accounting principles.  Furthermore, at no time during Cherry Bekaert's audit of the December 31, 2001
financial statements and the subsequent review of the interim periods through September
30, 2002, have there been any disagreements with Cherry Bekaert on any matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure, which disagreements, if not resolved to the satisfaction of Cherry Bekaert would have caused Cherry Bekaert to make reference to the subject matter of the disagreements in connection with any report.
The Company has provided Cherry Bekaert with a copy of this Current Report.  A letter from Cherry Bekaert to the Securities and Exchange Commission, dated February 14, 2003 with respect to this matter is attached hereto as Exhibit 16.
Item 7.   Financial Statements,
Pro Forma
Financial Information and Exhibits.
(c)
Exhibits.
Exhibit No.
Description
16
Letter dated February 14, 2003 from Cherry, Bekaert, & Holland, L.L.P re Change in Certifying Accountant.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
EASY MONEY HOLDING CORPORATION
Dated:  February 14, 2003
By:
/s/David Greenberg
David Greenberg
President
INDEX TO EXHIBITS
No.
Description
16
Letter dated February 14, 2003 from Cherry, Bekaert, & Holland, L.L.P re Change in Certifying Accountant.