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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 8-K/A

                                 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
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Item 4.    Change in Registrant's Certifying Accountant.

The Current  Report on Form 8-K filed by Consumers  Financial  Corporation  (the
"Registrant")  on September  25, 2003 is hereby  amended by adding the following
sentence at the end of the second paragraph of Item 4:

In addition,  from the end of the  Registrant's  most recent fiscal year through
September  23,  2003,  the date  Marcum &  Kliegman  LLP was  engaged as the new
principal  independent  accountants,  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.



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                                   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





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