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<p align="center"><b>SECURITIES AND EXCHANGE COMMISSION </b><br>
Washington, DC 20549</p>
<p align="center">FORM 8-K</p>
<p align="center">CURRENT REPORT Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</p>
<p align="center">Date of Report (Date of earliest event reported) January 16,
2002 -------------</p>
<p align="center"><b>FINITY HOLDINGS, INC.</b><br>
&nbsp;----------------------- <br>
(Exact name of registrant as specified in its charter)</p>
<p align="center">Delaware&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
011-13749&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
11-3210792 <br>
---------------------------&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
------------------&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
---------------------- <br>
(State or other
jurisdiction&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Commission&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(IRS Employer&nbsp;&nbsp;&nbsp;&nbsp; <br>
of
incorporation)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
File
Number)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Identification No.)</p>
<p align="center">511 F Street, San Diego, California 92101 <br>
--------------------------------------------------------------------------------
<br>
(Address of principal executive offices) (Zip Code)</p>
<p align="center">Registrant's telephone number, including area code (816)
842-1116 </p>
<p>Item 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT</p>
<p>(a) On January 28, 2002, Davis, Kinard &amp; Co., P.C. resigned as our
independent accountants. The audit report of Davis, Kinard &amp; Co., P.C. for
the year ended December 31, 2000 contained a unqualified opinion with a going
concern uncertainty explanatory paragraph because of Davis, Kinard &amp; Co.,
P.C.'s doubt about our ability to continue as a going concern based on our
difficulties in meeting our financial needs, our recurring losses from
operations and our negative working capital. The audit reports of Davis, Kinard
&amp; Co., P.C. for the past two years did not contain any other adverse opinion
or disclaimer of opinion, or qualification or modification as to uncertainty,
audit scope or accounting principles.</p>
<p>During our two most recent fiscal years and the interim period through
January 15, 2002, we did not have any disagreements with Davis, Kinard &amp;
Co., P.C. on any matter of accounting principles or practices, financial
statement disclosure or auditing scope or procedure.</p>
<p>(b) We appointed Malone &amp; Bailey, PLLC, as our new independent
accountants on January 15, 2002. We have not consulted Malone &amp; Bailey, PLLC
at any time prior to their appointment concerning either the application of
accounting principles to a specific completed or contemplated transaction or the
type of audit opinion that might be rendered on our financial statements.</p>
<p>SIGNATURE</p>
<p>Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.</p>
<p>Dated: January 15, 2002</p>
<p>FINITY HOLDINGS, INC.</p>
<p>By: /s/ Gary K. Jennings <br>
------------------------------------ <br>
Gary K. Jennings, President</p>
<p>&nbsp;</p>
<p>INDEX TO EXHIBITS</p>
<p>Exhibit 16.1 Letter on Change in Certifying Accountant</p>
<p>EXHIBIT 16.1</p>
<p>Securities and Exchange Commission <br>
Mail Stop 11-3 450 5th Street, N.W. <br>
Washington, D.C. 20549</p>
<p>Dear Sirs/Madams:</p>
<p>We have read and agree with the comments in Items 4(a) of Form 8-K of Finity
Holdings, Inc. dated January 15, 2002.</p>
<p>Yours truly,</p>
<p>/s/ Davis, Kinard &amp; Co., P.C.</p>

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Finity Holdings, Inc. 8-K
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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) January 16,
2002 -------------
FINITY HOLDINGS, INC.
-----------------------
(Exact name of registrant as specified in its charter)
Delaware                                    
011-13749                                
11-3210792
---------------------------                
------------------                        
----------------------
(State or other
jurisdiction                  
(Commission                            
(IRS Employer
of
incorporation)                             
File
Number)                          
Identification No.)
511 F Street, San Diego, California 92101
--------------------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (816)
842-1116
Item 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT
(a) On January 28, 2002, Davis, Kinard & Co., P.C. resigned as our
independent accountants. The audit report of Davis, Kinard & Co., P.C. for
the year ended December 31, 2000 contained a unqualified opinion with a going
concern uncertainty explanatory paragraph because of Davis, Kinard & Co.,
P.C.'s doubt about our ability to continue as a going concern based on our
difficulties in meeting our financial needs, our recurring losses from
operations and our negative working capital. The audit reports of Davis, Kinard
& Co., P.C. for the past two years did not contain any other adverse opinion
or disclaimer of opinion, or qualification or modification as to uncertainty,
audit scope or accounting principles.
During our two most recent fiscal years and the interim period through
January 15, 2002, we did not have any disagreements with Davis, Kinard &
Co., P.C. on any matter of accounting principles or practices, financial
statement disclosure or auditing scope or procedure.
(b) We appointed Malone & Bailey, PLLC, as our new independent
accountants on January 15, 2002. We have not consulted Malone & Bailey, PLLC
at any time prior to their appointment concerning either the application of
accounting principles to a specific completed or contemplated transaction or the
type of audit opinion that might be rendered on our financial statements.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
Dated: January 15, 2002
FINITY HOLDINGS, INC.
By: /s/ Gary K. Jennings
------------------------------------
Gary K. Jennings, President
INDEX TO EXHIBITS
Exhibit 16.1 Letter on Change in Certifying Accountant
EXHIBIT 16.1
Securities and Exchange Commission
Mail Stop 11-3 450 5th Street, N.W.
Washington, D.C. 20549
Dear Sirs/Madams:
We have read and agree with the comments in Items 4(a) of Form 8-K of Finity
Holdings, Inc. dated January 15, 2002.
Yours truly,
/s/ Davis, Kinard & Co., P.C.