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): JANUARY 9, 2003 CONSUMERS FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Pennsylvania 0-2616 23-1666392 (State or Other Jurisdiction (Commission File No.) (I.R.S. Employer of Incorporation) Identification No.) 1525 Cedar Cliff Drive, Camp Hill, Pennsylvania 17011 (Address of Principal Executive Offices) (Zip Code) 717-761-4230 (Registrant's Telephone Number, Including Area Code) FORM 8-K CURRENT REPORT ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE At a Special Meeting of Shareholders held on January 9, 2003, the common shareholders of Consumers Financial Corporation (the "Company") voted in favor of a proposal to reinstate the voting rights of the 2,700,000 shares of common stock of the Company owned by CFC Partners, Ltd. ("CFC Partners"). Such shares were issued to CFC Partners on August 28, 2002. However, under Pennsylvania laws, these new shares were not permitted to vote on any matters unless and until such voting rights were restored by the remaining common shareholders (i.e., excluding CFC Partners) through a solicitation of proxies. The 2,700,000 shares held by CFC Partners represent a 51.2% interest in the Company's outstanding common stock. SIGNATURES 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. CONSUMERS FINANCIAL CORPORATION Registrant Date: January 21, 2003 By /S/ Donald J. Hommel ---------------- ------------------------------------- Donald J. Hommel President and Chief Executive Officer