3 1 g68441mfe3.txt ZENITH HOLDINGS, CORP./ MERIT FIRST FORM 3 1 -------- FORM 3 -------- U.S. SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940 ------------------------------------------------------------------------------------------------------------------------------------ |1. Name and Address of Reporting Person* |2. Date of Event Requiring |4. Issuer Name and Ticker or Trading Symbol | | | Statement | ZENITH HOLDING CORP. | | MERIT FIRST, INC. | (Month/Day/Year) | | |------------------------------------------| | | | (Last) (First) (Middle) | 3/30/01 |-----------------------------------------------------------| | | |5. Relationship of Reporting | 6. If Amendment, Date | | 120 N. U.S. Highway One, #100 |---------------------------| Person to Issuer | of Original | |------------------------------------------|3. IRS Identification | (Check all applicable) | (Month/Day/Year) | | (Street) | Number of Reporting | | | | | Person, if an Entity |[ ] Director [X] 10% Owner | | | | (Voluntary) | | | | | |[ ] Officer [ ] Other (specify| | | | | (give below) |-------------------------| | | | title below) | 7. Individual or Joint/ | | Tequesta FL 33469 | | | Group Filing (Check | |--------------------------------------------------------------------------------------------------------| applicable line) | | (City) (State) (Zip) | | | | [X] Form Filed by | | | One Reporting | | | Person | | | [ ] Form Filed by | | | More than One | | | Reporting Person | |----------------------------------------------------------------------------------------------------------------------------------| | TABLE 1 -- NON-DERIVATIVE SECURITIES BENEFICIALLY OWNED | |----------------------------------------------------------------------------------------------------------------------------------| |1. Title of Security | 2. Amount of Securities | 3. Ownership Form: | 4. Nature of Indirect | | (Instr. 4) | Beneficially Owned | Direct (D) or | Beneficial | | | (Instr. 4) | Indirect (I) | Ownership (Instr. 5) | | | | (Instr. 5) | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | Common Stock | 3,000,000 | D | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | |----------------------------------------|------------------------------|---------------------------|------------------------------| | | | | | -----------------------------------------------------------------------------------------------------------------------------------

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one Reporting Person, see Instruction 5(b)(v). Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. (Print or Type Responses) 2

ZENITH HOLDING CORP 3