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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

                                                        SEC FILE NUMBER
                                                        CUSIP NUMBER



|  |   Form 10-K    |  |   Form 20-F    |  |   Form 11-K    |X|   Form 10-Q
|  |   Form NSAR

For the period ended: September 30, 2003

|  |   Transition Report on Form 10-K
|  |   Transition Report on Form 20-F
|  |   Transition Report on Form 11-K
|  |   Transition Report on Form 10-Q
|  |   Transition Report on Form NSAR

For the transition period ended:

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  Read attached Instruction Sheet Before Preparing Form. Please Print or Type.


Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

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If the notification  related to a portion of the filing checked above,  identify
the item(s) to which notification relates:


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Part I - Registrant Information
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  Full name of Registrant:                Consumers Financial Corporation
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  Former name if Applicable:
  Address of Principal Executive Office
  (Street and Number):                    1513 Cedar Cliff Drive,
                                          -----------------------
  City, State and Zip Code:               Camp Hill, Pennsylvania 17011
                                          -----------------------------


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Part II-Rule 12b-25(b) and (c)
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If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed.(Check box if appropriate.)

           (a) The  reasons  described  in detail in Part III of this form could
           not be eliminated without unreasonable effort or expense;
|X|
           (b) The subject annual report,  semi-annual report, transition report
           of Forms 10-K,  10-KSB,  20-F, 11-K or Form N-SAR, or portion thereof
           will be filed  on or  before  the 15th  calendar  day  following  the
           prescribed  due date; or the subject  quarterly  report or transition
           report on Form 10-Q,  10-QSB,  or portion thereof will be filed on or
           before the fifth calendar day following the prescribed due date; and

           (c) The  accountant's  statement  or other  exhibit  required by Rule
           12b-25(c) has been attached if applicable.



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Part III-Narrative
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State below in reasonable  detail the reasons why Forms 10-K,  20-F, 11-K, 10-Q,
10-QSB, N-SAR or the transition report portion thereof could not be filed within
the prescribed time period.

     The  registrant  will be unable to file its Form 10-Q for the quarter ended
September  30,  2003 as a result  of the  change in the  registrant's  principal
accountants as of the end of the quarter.  The accountants  need additional time
to obtain and review certain information pertaining to the registrant.

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Part IV-Other Information
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(1)      Name and  telephone  number  of  person  to  contact  in regard to this
         notification:

               Donald J. Hommel         (516)                   792-0900
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                    (Name)           (Area Code)            (Telephone Number)



   (2) Have all other periodic reports required under Section 13 or 15(d) of the
Securities  Exchange Act of 1934 or Section 30 of the Investment  Company Act of
1940  during  the  preceding  12  months  or for such  shorter  period  that the
registrant was required to file such report(s) been filed?

If the answer is no, identify report(s)                 |X|   Yes   | |   No


   (3) Is it anticipated  that any  significant  change in results of operations
from the corresponding  period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?

| | Yes |X|   No

If so: attach an explanation of the  anticipated  change,  both  narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.



                         Consumers Financial Corporation
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                   Name of Registrant as Specified in Charter


Has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.

Date: September 14, 2003                   By: /s/ Donald J. Hommel
      ------------------                       --------------------
                                               Donald J. Hommel
                                               President and Chief Executive
                                               Officer

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INSTRUCTION: The form may be signed by an executive officer of the registrant or
by any other duly  authorized  representative.  The name and title of the person
signing  the form  shall  be typed or  printed  beneath  the  signature.  If the
statement is signed on behalf of the registrant by an authorized  representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.


                                    ATTENTION

Intentional  misstatements  or omissions  of fact  constitute  Federal  Criminal
Violations (See 18 U.S.C. 1001).