UNITED STATES
                       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) September 18, 2003
                                                        -------------------


                         CONSUMERS FINANCIAL CORPORATION
             (Exact name of Registrant as Specified in its Charter)

                      ------------------------------------


         Pennsylvania                   0-2616             23-1666392
-----------------------------  ------------------------ -----------------------
 (State or Other Jurisdiction  (Commission file Number) (IRS Employer
       of Incorporation)                                   Identification No.)



   1525 Cedar Cliff Drive, Camp Hill, PA                             17011
   -------------------------------------                           ---------
 (Address of Principal Executive Offices)                         (Zip Code)



        Registrant's telephone number, including area code (717) 730-6306
                                                           --------------





Item 4.    Change in Registrant's Certifying Accountant.


(a)(1) As of September  18, 2003,  Stambaugh  Ness, PC resigned as the principal
independent accountants for Consumers Financial Corporation (the "Registrant").

         The report of Stambaugh Ness, PC on the financial statements for either
of the past two fiscal  years  contained  no adverse  opinion or  disclaimer  of
opinion,  and  were  not  qualified  or  modified  as to  uncertainty,  scope or
accounting  principles.  Although the financial  statements audited by Stambaugh
Ness, PC for the year ended December 31, 2002 contained an explanatory paragraph
pertaining  to the  Company's  ability  to  continue  as a going  concern,  such
financial  statements did not contain any adjustment  that might result from the
uncertainty  stated therein.  In addition,  during  Registrant's two most recent
fiscal years and through  September 18, 2003, there were no  disagreements  with
Stambaugh  Ness,  PC on any  matters  of  accounting  principles  or  practices,
financial   statement   disclosure  or  auditing  scope  or  procedures;   which
disagreements,  if not resolved to the  satisfaction of Stambaugh Ness, PC would
have caused that firm to make  reference in  connection  with its reports to the
subject matter of the agreements or a reportable event.

(a)(2) As of September  23,  2003,  Marcum & Kliegman LLP was engaged as the new
principal  independent  accountants,   commencing  with  the  interim  financial
statement  review for the third quarter ending September 30, 2003, and the audit
for the year ending  December 31, 2003. The appointment of Marcum & Kliegman LLP
was recommended and approved by the Registrant's Board of Directors.  During the
Registrant's two most recent fiscal years, the Registrant did not consult Marcum
& Kliegman LLP regarding either (i) the application of accounting  principles to
a specified  transaction,  either  completed or  proposed;  or the type of audit
opinion that might be rendered on Registrant's financial statements, and neither
a written  report nor oral  advice was  provided to the  Registrant  by Marcum &
Kliegman  that  they  concluded  was  an  important  factor  considered  by  the
Registrant  in reaching a decision as to the  accounting,  auditing or financial
reporting  issue;  or  (ii)  any  matter  that  was  either  the  subject  of  a
"disagreement"  or event identified in response to paragraph  (a)(1)(iv) of Item
304, as those terms are used in Item  304(a)(1)(iv)  of  Regulation  S-K and the
related instructions to Item 304 of Regulation S-K.

(a)(3)  The  Registrant  has  provided  Stambaugh  Ness,  PC with a copy of this
disclosure and has requested  that  Stambaugh  Ness, PC furnish it with a letter
addressed to the U.S. Securities and Exchange Commission ("SEC") stating whether
it agrees with the above  statements.  A copy of the letter from Stambaugh Ness,
PC  addressed  to the SEC dated  September  24, 2003 is filed as Exhibit 16.1 to
this Current Report on Form 8-K.







Item 7.    Financial Statements and Exhibits.
           ---------------------------------

(a) Financial Statements. N/A
(b) Exhibits
    16.1     Letter from Stambaugh Ness, PC on change in certifying accountant.



                                   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



                                            By:  /s/ Donald J. Hommel
                                                 ---------------------------
                                                 Donald J. Hommel
                                                 President, Chief Executive
                                                 Officer and Chief Financial
                                                 Officer