<SUBMISSION>
<ACCESSION-NUMBER>0000912057-02-016901
<TYPE>S-3
<PUBLIC-DOCUMENT-COUNT>3
<FILING-DATE>20020426
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>CENTIV INC
<CIK>0001044167
<ASSIGNED-SIC>5045
<IRS-NUMBER>582033795
<STATE-OF-INCORPORATION>GA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>S-3
<ACT>33
<FILE-NUMBER>333-87098
<FILM-NUMBER>02623427
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
<PHONE>8478768300
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>998 FOREST EDGE DRIVE
<CITY>VERNON HILLS
<STATE>IL
<ZIP>60061
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>TEKGRAF INC
<DATE-CHANGED>19970808
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>S-3
<SEQUENCE>1
<FILENAME>a2078094zs-3.htm
<DESCRIPTION>S-3
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<FONT SIZE=3 ><A HREF="#02CHI2792_1">QuickLinks</A></FONT>
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<P ALIGN="CENTER"><FONT SIZE=1><B>As Filed With The Securities and Exchange Commission on April 26, 2002  </B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=4><B>SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=1><B>Washington, D.C. 20549  </B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=4><B>FORM S-3<BR>
REGISTRATION STATEMENT<BR>  </B></FONT><FONT SIZE=1><B>UNDER THE SECURITIES ACT OF 1933  </B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=4><B>CENTIV, INC.<BR>  </B></FONT><FONT SIZE=1>(Exact name of registrant as specified in its charter) </FONT></P>

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<TD WIDTH="49%" ALIGN="CENTER"><BR><FONT SIZE=1><B>Georgia<BR> </B></FONT><FONT SIZE=1>(State or other jurisdiction<BR>
of incorporation or organization)</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=1><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><BR><FONT SIZE=1><B>58-2033795<BR> </B></FONT><FONT SIZE=1>(IRS Employer<BR>
Identification No.)</FONT></TD>
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<P ALIGN="CENTER"><FONT SIZE=1><B>998 Forest Edge Drive<BR>
Vernon Hills, Illinois 60061<BR>
(847) 876-8300<BR>  </B></FONT><FONT SIZE=1>(Address, including zip code, and telephone number, including<BR>
area code, of registrant's principal executive office) </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=1><B>Thomas M. Mason<BR>
Chief Financial Officer<BR>
Centiv,&nbsp;Inc.<BR>
998 Forest Edge Drive<BR>
Vernon Hills, Illinois 60061<BR>
(847) 876-8300<BR>  </B></FONT><FONT SIZE=1>(Name, address, including zip code, and telephone number,<BR>
including area code, of agent for service) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=1><B>Copies to:<BR>
Stephen Tsoris, Esq.<BR>
Gardner Carton&nbsp;&amp; Douglas<BR>
321 North Clark Street, Suite&nbsp;3300<BR>
Chicago, Illinois 60610  </B></FONT></P>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=1><B>Approximate date of commencement of proposed sale to the public:</B></FONT><FONT SIZE=1> At such time or times after the effective date of
this registration statement as the selling stockholders shall determine. </FONT></P>


<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following
box:&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule&nbsp;415 under the Securities Act of 1933, other than
securities offered only in connection with dividend or interest reinvestment plans, please check the following box:&nbsp;<FONT FACE="WINGDINGS">&#253;</FONT> </FONT></P>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
this Form is filed to register additional securities for an offering pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act, please check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering:&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
this Form is a post-effective amendment filed pursuant to Rule&nbsp;462(c)&nbsp;under the Securities Act, check the following box and list the Securities Act registration
statement number of the earlier effective registration statement for the same offering:&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
delivery of the prospectus is expected to be made pursuant to Rule&nbsp;434, please check the following box:&nbsp;<FONT FACE="WINGDINGS">&#111;</FONT> </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=1><B>CALCULATION OF REGISTRATION FEE  </B></FONT></P>

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<TD WIDTH="37%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>Title of Each Class of Securities to be Registered</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>Amount to be Registered(1)</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>Proposed Maximum Offering Price Per Share (2)</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>Proposed Maximum Aggregate Offering Price (2)</B></FONT></TD>
<TD WIDTH="1%" VALIGN="BOTTOM"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER" VALIGN="BOTTOM"><FONT SIZE=1><B>Amount of Registration Fee</B></FONT></TD>
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<TD WIDTH="37%"><FONT SIZE=1>Class&nbsp;A Common Stock, par value $0.001 per share</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER"><FONT SIZE=1>4,478,000</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER"><FONT SIZE=1>$0.83</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER"><FONT SIZE=1>$3,716,740</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=1>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="CENTER"><FONT SIZE=1>$342</FONT></TD>
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<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=1>(1)</FONT></DT><DD><FONT SIZE=1>Represents
the number of shares of Class&nbsp;A Common Stock initially issuable upon (i)&nbsp;conversion of outstanding shares of Series&nbsp;A Convertible Preferred Stock,
(ii)&nbsp;exercise of certain warrants to purchase Series&nbsp;A Convertible Preferred Stock and conversion thereof into shares of Class&nbsp;A Common Stock, and (iii)&nbsp;exercise of certain
options to purchase Class&nbsp;A Common Stock. This registration statement also shall cover any additional shares of Class&nbsp;A Common Stock that become issuable by reason of any stock dividend,
stock split, recapitalization or other similar transaction effected without the receipt of consideration which results in an increase in the number of the outstanding shares of Class&nbsp;A Common
Stock, as well as any additional shares of Class&nbsp;A Common Stock that become issuable as a result of antidilution provisions. </FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=1>(2)</FONT></DT><DD><FONT SIZE=1>Estimated
solely for purposes of determining the amount of the registration fee, in accordance with Rule&nbsp;457(c)&nbsp;based on the average of the high and low prices of
Centiv,&nbsp;Inc. common stock as reported by the NASDAQ SmallCap Market on April&nbsp;25, 2002. </FONT></DD></DL>

<P><FONT SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=1><B>The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a
further amendment that specifically states that this registration statement shall thereafter become effective in accordance with Section&nbsp;8(a)&nbsp;of the Securities Act of 1933 or until the
registration statement shall become effective on such date as the Commission, acting pursuant to said Section&nbsp;8(a), may determine.</B></FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>Subject to Completion<BR>
Dated April&nbsp;26, 2002  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=3><B>PROSPECTUS  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT> <FONT SIZE=4><I>Centiv,&nbsp;Inc.<BR>
4,478,000 Shares of Common Stock  </I></FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Prospectus relates to 4,478,000 shares of common stock of Centiv, Inc. that may be offered from time to time by some of our stockholders. We
will not receive any of the proceeds from the sale of the common stock. We will bear the costs relating to the registration of the common stock estimated to be approximately $30,000. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our
common stock is traded on The NASDAQ SmallCap Market under the symbol "CNTV." On April&nbsp;25, 2002, the reported last sale price of our common stock on NASDAQ was $0.83 per
share. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><I>See "Risk Factors" beginning on page&nbsp;6 to read about factors you should consider before buying shares of the common stock.</I></FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT
SIZE=2><B>Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy of
this prospectus. Any representation to the contrary is a criminal offense.</B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
information in this prospectus is not complete and may be changed. The selling stockholders may not sell these securities until the registration statement filed with the Securities
and Exchange Commission is effective. This prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any state where the offer or sale is not
permitted. </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2>The
date of this prospectus is&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </FONT></P>

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NAME="page_bg2792_1_2"> </A> </FONT></P>

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<BR></FONT><FONT SIZE=2><B>Table of Contents    <BR>  </B></FONT></P>

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<TH WIDTH="92%" ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="5%" ALIGN="CENTER"><FONT SIZE=1><B>Page</B></FONT><HR NOSHADE></TH>
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<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>About This Prospectus</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>3</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Where You Can Find More Information</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>3</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Forward-Looking Information</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>5</FONT></TD>
</TR>
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<TD WIDTH="92%"><FONT SIZE=2>The Company</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>6</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Risk Factors</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>6</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Use of Proceeds</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>12</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Selling Stockholders</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>12</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Plan of Distribution</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>14</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Legal Matters</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>16</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="92%"><FONT SIZE=2>Experts</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="5%" ALIGN="RIGHT"><FONT SIZE=2>17</FONT></TD>
</TR>
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<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_de2792_1_3"> </A> </FONT> <FONT SIZE=2><B>About This Prospectus  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This prospectus is part of a registration statement that we filed with the Securities and Exchange Commission, which we refer to as the SEC, using the SEC's shelf
registration rules. Under the shelf registration rules, using this prospectus and, if required, one or more prospectus supplements, the selling stockholders identified in this prospectus or any
prospectus supplement may sell from time to time, in one or more offerings, up to 4,478,000 shares of common stock. A prospectus supplement may add, update or change information contained in this
prospectus. Market information in the incorporated documents is generally based on company estimates and not third party sources. You should read this prospectus, any applicable prospectus supplement
and the additional information described below under "Where You Can Find More Information" before making an investment decision. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Where You Can Find More Information  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We file annual, quarterly and special reports, proxy statements and other information with the SEC. You may read and copy any reports, statements or other
information we file with the SEC at its public reference room at 450 Fifth Street, N.W., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further
information on the public reference room. Our filings also are available to the public on the Internet, through a database maintained by the SEC at http://www.sec.gov. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
filed a registration statement on Form&nbsp;S-3 to register with the SEC the securities described in this prospectus. This prospectus is part of that registration
statement. As permitted by SEC rules, this prospectus does not contain all the information contained in the registration statement or the exhibits to the registration statement. You may refer to the
registration statement and accompanying exhibits for more information about us and our securities. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
SEC allows us to incorporate by reference into this document the information we filed with it. This means that we can disclose important business, financial and other information to
you by referring you to other documents separately filed with the SEC. All information incorporated by reference is part of this document, unless and until that information is updated and superseded
by the information contained in this document or any information subsequently incorporated by reference. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
incorporate by reference the documents listed below: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>1.</FONT></DT><DD><FONT SIZE=2>Our
annual report on Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2001;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>2.</FONT></DT><DD><FONT SIZE=2>Our
current reports on Form&nbsp;8-K dated April&nbsp;5, 2002, February&nbsp;20, 2002 and January&nbsp;15, 2002; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>3.</FONT></DT><DD><FONT SIZE=2>The
description of our capital stock contained in our Registration Statements pursuant to Section&nbsp;12 of the Exchange Act and any amendments or reports filed for the purpose of
updating any of these descriptions. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
may request free copies of these filings by writing or telephoning Investor Relations, Centiv,&nbsp;Inc., 998 Forest Edge Drive, Vernon Hills, Illinois 60061, telephone
(847)&nbsp;876-8300, fax (847)&nbsp;955-1269. We will not send exhibits to the filings, however, unless those exhibits have been specifically incorporated by reference. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
also incorporate by reference all future filings we make with the SEC under Section&nbsp;13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of 1934 on or after (i)&nbsp;the
date of the filing of the registration statement containing this prospectus and prior to the effectiveness of the registration statement or (ii)&nbsp;the date of this prospectus and prior to the
closing of the offering made hereby. Those documents will become a part of this prospectus from the date that the documents are filed with the SEC. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
should rely only on the information contained or incorporated by reference in this prospectus or in any prospectus supplement. We have not authorized anyone to provide you with
different information. If anyone provided you with different or inconsistent information, you should not rely on it. We are not making an offer to sell, or soliciting an offer to buy, shares of common
stock in any jurisdiction where the offer and sale is not permitted. You should assume that the information appearing or incorporated by reference in this prospectus is accurate only as of the date of
the documents containing the information, regardless of the time of its delivery or of any sale of our common stock. Our business, financial condition, results of operations and prospects may have
changed since those dates. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>4</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>Forward-Looking Information  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Some of the statements in this prospectus and in documents incorporated by reference constitute "forward-looking statements" within the meaning of the U.S.
Private Securities Litigation Reform Act of 1995. These statements relate to future events or our future financial performance, which involve known and unknown risks, uncertainties and other factors
that may cause our or our businesses' actual results, levels of activity, performance or achievements to be materially different from those expressed or implied by any forward looking statements. In
some cases, you can identify forward looking statements by terminology such as "may," "will," "could," "would," "should," "expect," "plan," "anticipate," "intend," "believe," "estimate," "predict,"
"potential" or "continue" or the negative of those terms or other comparable terminology. These statements are only predictions. Actual events or results may differ materially because of market
conditions in our markets or other factors. Moreover, we do not, nor does any other person, assume responsibility for the accuracy and completeness of those statements. Unless otherwise required by
applicable securities laws, we disclaim any intention or obligation to update any of the forward-looking statements after the date of this prospectus to conform them to actual results. All of the
forward-looking statements are qualified in their entirety by reference to the factors discussed under the captions "Risk Factors" in this prospectus and the applicable prospectus supplement,
"Management's Discussion and Analysis of Results of Operations and Financial Condition" in our Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2001 (incorporated by
reference in this prospectus) and similar sections in our future filings that we incorporated by reference in this prospectus, which describe risks and factors that could cause results to differ
materially from those projected in those forward-looking statements. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
caution the reader that these risk factors may not be exhaustive. We operate in a continually changing business environment, and new risk factors emerge from time to time. Management
cannot predict these new risk factors, nor can it assess the impact, if any, of these new risk factors on our businesses or the extent to which any factor, or combination of factors, may cause actual
results to differ materially from those projected in any forward-looking statements. Accordingly, forward-looking statements should not be relied upon as a prediction of actual results. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>5</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>The Company  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are a developer and provider of Web-enabled point-of-purchase (POP) solutions used by manufacturers and mass retailers. The
delivered product is high quality, digitally produced signage that is mass-customized for the unique requirements of each retail location. With our premier product, Instant Impact, a
company gains the ability to target important consumer segments at the point of purchase by allowing brand managers or retailers to order mass-customized, on-demand, color POP
materials and receive quantitative feedback on the success of their in-store or on-premise marketing campaigns. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Instant
Impact allows a marketing manager, brand manager or retailer to create, edit and schedule delivery of POP materials by using pre-approved, field-editable sign
templates. This Internet-based user interface is clear, flexible, user-friendly and changeable to allow control of the message at a corporate or local store level. The signage can either
be printed in a Centiv print center, or an industry-standard print-formatted file can be delivered via the Internet to any print provider in the world. This rapid delivery of signage results in a
dramatic reduction in POP lead time and the costs associated with launching or changing in-store or on-premises messaging. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
roots of Instant Impact were formed in 1999 when Centiv partnered with Anheuser-Busch to design, configure, deliver and implement POP signage systems in over 730 Anheuser-Busch
wholesale distributors in the United States and 16 foreign countries. Since the formal launch of the Internet-based Instant Impact in March&nbsp;2001, Centiv and DuPont Tyvek have formed a strategic
alliance and co-branding agreement that includes company-wide implementation of Instant Impact. PepsiAmericas,&nbsp;Inc., United Distillers and Vintners,
True-Serv (True Value Hardware) and Action Performance (NASCAR licensee) have agreements with Centiv to produce ongoing customized in-store and on-premises signage
and materials. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to deciding to focus on the Centiv Business in 2001, the Company operated two other business units in addition to the Centiv Business: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2><B><I>CalGraph Technology Services, Inc</I></B></FONT><FONT SIZE=2>.: Formerly a wholly owned subsidiary of the Company, Calgraph was a
provider of on-site service and preventative maintenance services specializing in wide-format printing devices. CalGraph's U.S. and Canadian service operations included field
service technicians, customer support call center, component repair and refurbishment facilities and parts logistics. The Company sold this business effective January&nbsp;31, 2002.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2><B><I>Channels Business</I></B></FONT><FONT SIZE=2>: While part of the Company, this division specialized in the value-added wholesale
distribution of computer graphics technologies throughout North America. The Company sold this business effective December&nbsp;31, 2001. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
are a Georgia corporation. Our principal executive offices are located 998 Forest Edge Drive, Vernon Hills, Illinois 60061, and our telephone number is
(847)&nbsp;876-8300. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Risk Factors  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><I>You should carefully consider the risks described below before making a decision to invest in shares of our common stock. Some of the
following factors relate principally to our business and the industries in which we operate. Other factors relate principally to your investment in our securities. The risks and uncertainties
described below are not the only ones facing our company. Additional risks and uncertainties not presently
known to us or that we currently deem immaterial may also adversely affect our business and operations in the future.  </I></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><I>If any of the matters included in the following risks were to occur, our business, financial condition, results of operations, cash flows
or prospects could be materially adversely affected. In this case, the trading price of our common stock could decline and you could lose all or part of your investment.  </I></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>6</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>Risks Related to Our Company  </B></FONT></P>


<P><FONT SIZE=2><B>We have incurred operating losses in four of the past five years.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During fiscal years 1997, 1998, 1999, 2000 and 2001, we experienced net income (losses) of ($393,337), $91,167, ($7,118,331), ($2,334,000) and ($6,888,000),
respectively. We cannot be certain that we will achieve profitability in the future. If we do achieve profitability, we cannot be certain that we can sustain or increase profitability on a quarterly
or annual basis in the future. If we are unable to become profitable, our liquidity could be materially harmed. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to their sale, our Channels Business and CalGraph Business accounted for the majority of our revenues and our Centiv Business revenues are not expected in the near term to replace
our revenues from our Channels and CalGraph Businesses. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Channels Business comprised approximately 71% of our revenue for the year ended December&nbsp;31, 2001, and more than 70% for each of our two prior fiscal years. The CalGraph
Business comprised approximately 12% of our revenue for the year ended December&nbsp;31, 2001, and more than 10% for each of the two prior fiscal years. Although our Centiv Business has grown
steadily, these revenues are not expected to equal or exceed our revenues from the Channels and CalGraph Businesses in the near term, and we will be operating at a loss until the revenues generated by
the Centiv Business increase sufficiently to offset its expenses. The sale of the Channels Business and the CalGraph Business significantly reduced our revenues and our total operations. There can be
no assurance that we will have sufficient operations and revenue to achieve profitability. </FONT></P>

<P><FONT SIZE=2><B>We cannot predict our future results because our Centiv Business has a limited operating history, particularly as a stand-alone business.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Given our limited operating history in the Centiv Business, particularly as a stand-alone business it will be difficult to predict our future results. You should
consider the uncertainties that we may encounter as an early stage company in a new and rapidly evolving market. These uncertainties include: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>market
acceptance of the Centiv products or services;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>consumer
demand for, and acceptance of our Centiv products, services and follow-on products;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>our
ability to create user-friendly applications; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>our
unproven and evolving business model. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2><B>Our Centiv Business has not generated significant revenues to date and has incurred losses in fiscal years 2000 and 2001.  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Centiv Business was commenced in 1998, has a limited operating history and incurred losses for 2000 and 2001, although it did make an operating profit in 1998
and 1999. There can be no assurance that we will be successful in increasing revenues of the Centiv Business, or generating acceptable margins, or, if we do, that operation of the Centiv Business will
be a profitable business enterprise. If we are unable to achieve significantly greater recurring revenue from our Centiv Business, our losses will likely continue indefinitely and we will likely need
to raise additional capital. There can be no assurance that we will be able to obtain such capital, if at all, on favorable terms and conditions. </FONT></P>


<P><FONT SIZE=2><B>Our quarterly and annual sales and financial results have varied significantly in the past, and we expect to experience fluctuations in the future, which means that
period-to-period comparisons are not necessarily meaningful or indicative of future performance.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our sales and operating results have varied, and may continue to vary, significantly from year to year and from quarter to quarter as a result of a variety of
factors, including the introduction of new products by competitors, pricing pressures, the timing of the completion or the cancellation of projects, the evolving and unpredictable nature of the
markets in which computer products are sold and </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>7</FONT></P>

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<P><FONT SIZE=2>
economic conditions generally or in certain geographic areas in which our customers do business. Furthermore, we may be unable to control spending in a timely manner to compensate for any unexpected
revenue shortfall. Accordingly, we cannot assure you that sales and net income, if any, in any particular quarter will not be lower than sales and net income, if any, in a preceding or comparable
quarter or quarters. In addition, sales and net income, if any, in any particular quarter are not likely to be indicative of the results of operations for any other quarter or for the full year. The
trading prices of our securities may fluctuate significantly in response to variations in our quarterly or annual results of operations. </FONT></P>

<P><FONT SIZE=2><B>We may not be able to sustain or accelerate growth, or sustain or accelerate recurring revenue from the Centiv Business.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There can be no assurance that demand for our Centiv services and products will increase or be sustained, or that our current or future products will have market
acceptance in that product category. Our acquisition costs per customer are currently very high due to the significant costs associated with sales, product development and marketing. To the extent we
do not achieve growth and this cost per customer is not reduced, it will be difficult for us to generate meaningful revenue at acceptable margins or achieve profitability. To the extent that our
Centiv Business model is not successful, because of a failure to attain market acceptance, competition from other firms or technologies or for any other reason, we might have future unexpected
declines in revenue. In order to achieve and maintain profitability, our POP program needs to achieve national program status. In order to obtain participating manufacturers and retailers at the rate
desired, this service program must achieve increases in sales. In achieving these results, we will be competing for the marketing expenditures of branded product manufacturers who use various forms of
point-of-purchase marketing methods. We cannot assure you that our POP program will achieve or maintain the marketplace acceptance or profitability necessary to compete
successfully with traditional marketing methods. </FONT></P>


<P><FONT SIZE=2><B>Rapid technological change could render our POP products and services obsolete.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Internet and the e-commerce industries are characterized by rapid technological innovation, sudden changes in user and customer requirements and
preferences, frequent new product and service introductions and the emergence of new industry standards and practices. Each of these characteristics could render our Centiv services, products,
intellectual property and systems obsolete. The rapid evolution of our market requires that we improve continually the performance, features and reliability of our products and services, particularly
in response to competitive offerings. Our success also will depend, in part, on our ability: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>To
develop or license new products, services and technology that address the varied needs of our customers and prospective customers, and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>To
respond to technological advances and emerging industry standards and practices on a cost-effective and timely basis. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
we are unable, for technical, financial, legal or other reasons, to adapt in a timely manner to changing market conditions or user preferences, we could lose customers, which would
cause a decrease in our revenue. </FONT></P>

<P><FONT SIZE=2><B>We may be unable to obtain additional capital needed to grow our business, which would adversely impact our business. If we raise additional financing, you may suffer
significant dilution.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Although we expect that our current cash and cash from operations will be sufficient to satisfy our working capital and capital expenditure needs over the next
12&nbsp;months, we plan to seek additional third-party investment and a new bank line of credit in order to provide additional working capital. We cannot be certain that financing from third parties
will be available on acceptable terms to us or at all. Our future capital requirements will depend upon several factors, including the rate of market </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>8</FONT></P>

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<P><FONT SIZE=2>
acceptance of our products and services, our ability to expand our customer base and our level of expenditures for sales and marketing. If our capital requirements vary materially from those
currently planned, we may require additional financing sooner than anticipated. If we cannot raise funds on acceptable terms, we may not be able to develop our products and services, take advantage of
future opportunities or respond to competitive pressures or unanticipated requirements, any of which could have a material adverse effect on our ability to grow our business. Further, if we issue
equity securities, you will experience dilution of your ownership percentage, and the new equity securities may have rights, preferences or privileges senior to those of our common stock. </FONT></P>

<P><FONT SIZE=2><B>Potential competitors have significantly greater resources than we do and may be able to respond more quickly to new or emerging technologies and changes in customer
requirements.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While our Centiv Business does not have any direct competition today for its entire range of products, there are certain potential competitors who are focused on
portions of the Centiv Business' products and could represent competition at some future date. Specifically, in the turn-key field deployed POP print systems, the principal competition
potentially comes from highly specialized Value Added Resellers. Other companies that represent potential competition in the Corporate POP market include Insignia Systems,&nbsp;Inc. (Nasdaq: ISIG)
and Catalina Marketing (NYSE: POS). Certain of our potential competitors have significantly greater financial, technical, marketing, and other resources than we do and may be able to respond more
quickly to new or emerging technologies and changes in customer requirements. Additional competition could result in price reductions, reduced margins and loss of market. We cannot guarantee that we
will be able to compete successfully against current and future competitors or that future competitive pressures will not materially and adversely affect our business, financial condition and results
of operations. </FONT></P>

<P><FONT SIZE=2><B>Our business depends on our intellectual property rights, and if we fail to protect them, our competitive position will suffer.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have no patents, and our success partially depends on our ability to preserve our trade secrets and to operate without infringing on the proprietary rights of
third parties. We seek to protect our trade secrets and proprietary know-how, in part, by confidentiality agreements with employees, consultants, advisors and others. We cannot guarantee
that these individuals will maintain the confidentiality of our trade secrets and proprietary know-how, or that our competitors will not learn of or independently develop our trade secrets
or proprietary know-how in a manner that leaves us with no practical recourse. </FONT></P>

<P><FONT SIZE=2><B>If we lose the services of our key personnel, we may be unable to replace them, and our business could be negatively affected.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our success depends in large part on the continued service of our management and other key personnel and our ability to continue to attract, motivate and retain
highly qualified employees. In particular, the services of William Rychel, our President and Chief Executive Officer, and Thomas Mason, our Vice President, Finance and Chief Financial Officer are
integral to the execution of our business strategy. If one or more of our key employees leaves Centiv, we will have to find a replacement with the combination of skills and attributes necessary to
execute our strategy. Because competition from other technology companies for skilled employees is intense, and the process of finding qualified individuals can be lengthy and expensive, we believe
that the loss of the services of key personnel could negatively affect our business, financial condition and results of operations. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>9</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>Risks Related to Our Industry  </B></FONT></P>

<P><FONT SIZE=2><B>Weak economic conditions in the market may negatively impact sales of computer graphics products and services.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From time to time the market for our products and services experiences weak economic conditions. To the extent that general economic conditions affect the demand
for products and services in this market, it could have an adverse effect on our ability to sell our products and services. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Risks Related to Our Capital Stock  </B></FONT></P>

<P><FONT SIZE=2><B>The public market for our common stock may be volatile.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The market price of our common stock has been and is likely to continue to be volatile and significantly affected by various factors, including: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>general
market conditions and market conditions affecting computer technology stocks in particular;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>actual
or anticipated fluctuations in our quarterly or annual operating results;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>announcements
relating to contracts, investments, acquisitions, divestitures;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>discontinued
operations, layoffs or corporate actions; and
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>industry
conditions or trends. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
stock markets, especially The Nasdaq SmallCap Market, have experienced significant price and volume fluctuations that have affected the market prices of many technology companies'
stocks. These fluctuations have often been unrelated or disproportionate to operating performance. These broad market or technology sector fluctuations may adversely affect the market price of our
common stock. General economic, political and market conditions such as recessions and interest rate fluctuations may also have an adverse effect on the market price of our common stock. In addition,
the market price of our common stock has also been and is likely to continue to be affected by expectations of analysts and investors. </FONT></P>

<P><FONT SIZE=2><B>We may not be able to maintain our eligibility for The Nasdaq SmallCap Market.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In order for our common stock to continue to be traded on The Nasdaq SmallCap Market, we must maintain one of the following: "net tangible assets" (defined as the
book value of total assets, minus intangible assets, minus all liabilities) of at least $2&nbsp;million, shareholders' equity of at least $2.5&nbsp;million, market capitalization of at least
$35&nbsp;million, or net income from continuing operations of at least $500,000 in the latest fiscal year or in two of the last three fiscal years. We also must have a bid price for our common stock
of at least $1 per share, have a public float of 500,000 shares, and meet certain other criteria. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have received a letter from Nasdaq, dated April&nbsp;8, 2002, stating that Nasdaq is reviewing our eligibility for continued listing on The Nasdaq SmallCap Market and soliciting our
response to Nasdaq's perception that we do not comply with all of the listing requirements. We have responded to Nasdaq with a letter indicating why we believe we are in compliance with the applicable
listing requirements. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
cannot assure you that Nasdaq will agree with our interpretation that we are in compliance with the listing requirements, that we can maintain compliance with these standards even if
Nasdaq does agree with us or that our stock will continue to be listed on The Nasdaq SmallCap Market. The loss of the listing of our common stock on The Nasdaq SmallCap Market would impair the
marketability of our common stock. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>10</FONT></P>

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<P><FONT SIZE=2><B>Since our executive officers and directors have substantial control of our voting stock, takeovers not supported by them will be more difficult, possibly preventing you from
obtaining optimal share price.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The control of a significant amount of our stock by insiders could adversely affect the market price of our common stock. As of March&nbsp;29, 2002, our current
executive officers and directors beneficially owned or controlled 2,504,549&nbsp;shares, or approximately 49%, of our outstanding common stock. For this purpose, beneficial ownership includes any
shares a director or executive officer can vote or transfer, shares subject to stock options and warrants that are exercisable currently or become exercisable within sixty (60)&nbsp;days and shares
subject to convertible securities that are convertible currently or within sixty (60)&nbsp;days. If our executive officers and directors choose to act or vote together, they will have the ability to
influence significantly all matters requiring the approval of our stockholders, including the election of directors and the approval of significant corporate transactions. Without the consent of these
stockholders, we could be prevented from entering into transactions that could be beneficial to us. </FONT></P>

<P><FONT SIZE=2><B>Our preferred stock has certain preferences over our common stock with regard to liquidation, and dividends and election of directors.  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our issued and outstanding preferred stock will begin to accrue dividends on March&nbsp;31, 2003 at an annual rate equal to 8% of the purchase price of that
preferred stock. The preferred stock also has a liquidation preference equal to the purchase price for that preferred stock plus all accrued and unpaid dividends. The preferred stock is also subject
to redemption at our option on the fourth anniversary of its issuance. If we choose not to make that redemption or are unable to make that redemption, the holders of the preferred stock will become
entitled to elect a majority of our Board of Directors. Prior to a failure to redeem the preferred stock, holders of preferred stock are entitled to appoint one member to our board of directors and to
appoint one observer. </FONT></P>

<P><FONT SIZE=2><B>Our ability to issue additional preferred stock may adversely affect the rights of our common stockholders and may make takeovers more difficult, possibly preventing you from
obtaining optimal share price.  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our Articles of Incorporation authorize the issuance of shares of "blank check" preferred stock, which would have the designations, rights and preferences as may
be determined from time to time by the Board of Directors. Accordingly, the Board of Directors will be empowered, without shareholder approval (but subject to applicable government regulatory
restrictions), to issue additional preferred stock with dividend, liquidation, conversion, voting or other rights that could adversely affect the voting power or other rights of the holders of the
common stock. In the event of an issuance, the preferred stock could be used, under certain circumstances, as a method of discouraging, delaying or preventing a change in control of Centiv. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>11</FONT></P>

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NAME="page_dg2792_1_12"> </A> </FONT> <FONT SIZE=2><B>Use of Proceeds  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All of the proceeds from the sale of the common stock offered by this prospectus will go to the selling stockholders who offer and sell their shares. We will not
receive any proceeds from the sale of the common stock offered by the selling stockholders. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Selling Stockholders  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We are registering all of the shares of common stock covered by this prospectus for reoffers and resales by certain stockholders of Centiv. As used in this
prospectus, selling stockholders will refer to these stockholders, along with any pledgees, donees, transferees or others who may later hold the selling stockholders' interests who are selling shares
received after the date of this prospectus from a named selling stockholder as a gift, pledge, partnership distribution or other non-sale related transfer. In addition, upon the Company
being notified by a selling stockholder that a pledgee, donee, transferee or other successor-in-interest intends to sell more than 500 shares of common stock, a supplement to
this prospectus will be filed to the extent required by law. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
of the shares offered by the selling stockholders (1)&nbsp;have been or will be acquired upon the conversion of Series&nbsp;A Convertible Preferred Stock, which convertible
preferred stock was issued and sold by us in a private placement of Units, with each Unit consisting of one share convertible preferred stock and a warrant to acquire one share of convertible
preferred stock, or (2)&nbsp;have been or will be acquired upon the conversion of Series&nbsp;A Convertible Preferred Stock acquired upon the exercise of warrants to acquire shares of such
convertible preferred stock (or have been or will be acquired directly upon the exercise of such warrants at or after such time that all outstanding shares of Series&nbsp;A Convertible Preferred
Stock have been converted into common stock), which warrants were issued as part of the Units referenced above, or (3)&nbsp;have been or will be acquired upon the exercise of options granted
pursuant to Centiv's 1997 Stock Option Plan. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth information with respect to the number of shares of common stock beneficially owned by each of the selling stockholders as of April&nbsp;25, 2002. For
this purpose, beneficial ownership includes any shares the selling stockholder can vote or transfer, shares subject to stock options and warrants that are currently or become exercisable within
60&nbsp;days and shares subject to </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>12</FONT></P>

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<P><FONT SIZE=2>
convertible securities that are convertible currently or within 60&nbsp;days. As of April&nbsp;25, 2002, there were 4,956,535 shares of common stock outstanding. </FONT></P>

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<TH WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TH>
<TH WIDTH="15%" ALIGN="LEFT"><FONT SIZE=2>&nbsp;</FONT><BR></TH>
<TH WIDTH="2%" ROWSPAN=3><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=3 ROWSPAN=3 ALIGN="CENTER"><FONT SIZE=1><B>Shares beneficialy owned after the sale of shares covered by this prospectus</B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH WIDTH="43%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH WIDTH="2%" ROWSPAN=3><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="18%" ROWSPAN=3 ALIGN="CENTER"><FONT SIZE=1><B>Shares beneficially<BR>
owned prior to the<BR>
sale of shares<BR>
covered by this<BR>
prospectus</B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="15%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH WIDTH="43%" ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH WIDTH="3%" ROWSPAN=2><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="15%" ROWSPAN=2 ALIGN="CENTER"><FONT SIZE=1><B>Number of<BR>
shares covered<BR>
by this<BR>
prospectus</B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="BOTTOM">
<TH WIDTH="43%" ALIGN="CENTER"><FONT SIZE=1><B>Name of selling stockholder</B></FONT><HR NOSHADE></TH>
<TH WIDTH="2%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="8%" ALIGN="CENTER"><FONT SIZE=1><B>Number</B></FONT><HR NOSHADE></TH>
<TH WIDTH="2%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="7%" ALIGN="CENTER"><FONT SIZE=1><B>Percent</B></FONT><HR NOSHADE></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2>Fieberg Inter-Vivos Revocable Trust<BR>
28342 Via Ordaz<BR>
San Juan Capistrano, CA 92678</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2>200,000<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2>200,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2>0<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2>&#151;<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Sixth Bridge L.P. (1)<BR>
576 Dalewood Drive<BR>
Orinda, CA 94563<BR>
Telephone No.: (925) 254-4443<BR>
Telecopy No.: (925) 254-4435<BR>
Attention: Albert E. Sisto</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
100,000<BR>
<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
100,000<BR>
<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Talkot Crossover Fund<BR>
2400 Bridgeway, Suite 200<BR>
Sausalito, CA 94965</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,000,000<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,000,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Thomas B. Akin<BR>
2400 Bridgeway, Suite 200<BR>
Sausalito, CA 94965</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
2,000,000<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>(2)<BR></FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
2,000,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
EDJ Limited<BR>
c/o Deltec Bank &amp; Trust<BR>
Deltec House/Lyford Cay<BR>
P.O. Box N-3229<BR>
Nassau, Bahamas</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
200,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
200,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Ben Joseph Partners<BR>
300 Drakes Landing Road, Suite 175<BR>
Greenbrae, CA 94904-3124</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
100,000<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
100,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Robert Schacter<BR>
c/o Reedland Capital Partners<BR>
30 Sunnyside Avenue<BR>
Mill Valley, CA 94941</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
200,000<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
200,000<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Pennell Venture Partners Marathon<BR>
&nbsp;&nbsp;&nbsp;&nbsp;Fund II, LP<BR>
Pennell Venture Partners<BR>
10 Jones Street, 6<SUP>th</SUP> Floor<BR>
New York, NY 10014</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,000,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,000,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Sabre Institutional Partners<BR>
c/o Barbary Coast Capital<BR>
Management<BR>
One Sansome Street, Suite 2900<BR>
San Francisco, CA 94104</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
72,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
72,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><BR><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
</TABLE>
<!-- insert table folio -->
<P ALIGN="CENTER"><FONT SIZE=2>13</FONT></P>

<HR NOSHADE>
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<TABLE WIDTH="100%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
ZCM Asset Holding Company, LLC<BR>
c/o Barbary Coast Capital<BR>
Management<BR>
One Sansome Street, Suite 2900<BR>
San Francisco, CA 94104</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
44,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
44,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Garrison Master Fund<BR>
c/o Barbary Coast Capital<BR>
Management<BR>
One Sansome Street, Suite 2900<BR>
San Francisco, CA 94104</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
384,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
384,000<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR>
<BR>
<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR>
<BR>
<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Richard Friedman<BR>
9705 Eagle Rising Cove<BR>
Austin, TX 78730</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
20,000<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
20,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
0<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
&#151;<BR></FONT>
</TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="43%"><FONT SIZE=2><BR>
Steven J. Carnavale<BR>
2400 Bridgeway, Suite 200<BR>
Sausalito, CA 94965</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="18%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,174,667<BR></FONT>
</TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>(3)<BR></FONT></TD>
<TD WIDTH="15%" ALIGN="RIGHT"><FONT SIZE=2><BR>
1,158,000<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
16,667<BR></FONT>
</TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="7%" ALIGN="RIGHT"><FONT SIZE=2><BR>
*<BR></FONT>
</TD>
</TR>
</TABLE>
<!-- end of user-specified TAGGED TABLE -->

<HR NOSHADE ALIGN="LEFT" WIDTH="120">
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>*</FONT></DT><DD><FONT SIZE=2>Less
than 1%.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD><FONT SIZE=2>Albert&nbsp;E.
Sisto, a director of Centiv, is the general partner and a limited partner of Sixth Bridge&nbsp;L.P.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(2)</FONT></DT><DD><FONT SIZE=2>Includes
1,000,000 shares beneficially owned by Talkot Crossover Fund. Mr.&nbsp;Akin is a Partner of Talkot Capital&nbsp;LLC, the fund managing Talkot Crossover Fund, and, as
such, shares the power to direct the actions of Talkot Crossover Fund. Therefore, Mr.&nbsp;Akin may be deemed to be a beneficial owner of these shares.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(3)</FONT></DT><DD><FONT SIZE=2>Includes
1,000,000 shares beneficially owned by Talkot Crossover Fund. Mr.&nbsp;Carnevale, the Chairman of the Board of Centiv, is a General Partner and Director of Private Equity
Investing for Talkot Capital&nbsp;LLC, the fund manager of Talkot Crossover Fund. Mr.&nbsp;Carnevale disclaims beneficial ownership of these shares. Also includes 16,667 shares subject to stock
options that are currently exercisable or become exercisable within 60&nbsp;days and 158,000 shares subject to vested stock option that is contingent upon shareholder approval of the amendment of
our 1997 Stock Option Plan, which approval is expected to be obtained within 60&nbsp;days. </FONT></DD></DL>
<P ALIGN="CENTER"><FONT SIZE=2><B>Plan of Distribution  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will pay the costs and fees of registering the common stock, but the selling stockholders will pay any brokerage commissions, discounts or other expenses
relating to the sale of the common stock. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
selling stockholders may sell the common stock offered by this prospectus to one or more underwriters or dealers for public offering, through agents, directly to purchasers or
through a combination of any such methods of sale. The name of the underwriter, dealer or agent involved in the offer and sale of the common stock, the amounts underwritten and the nature of its
obligation to take the common stock will be provided in the applicable prospectus supplement. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>14</FONT></P>

<HR NOSHADE>
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<A NAME="page_dg2792_1_15"> </A>
<BR>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
selling stockholders may sell the common stock on any national or international securities exchange or quotation service on which the securities may be listed or quoted at the time
of sale, in the over-the-counter market or otherwise, at market prices prevailing at the time of sale, at prices related to the prevailing market prices, or at negotiated
prices. In addition, the selling stockholders may sell some or all of their common stock through: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>a
block trade in which a broker-dealer may resell a portion of the block, as principal or agent, in order to facilitate the transaction;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>purchases
by a broker-dealer, as principal, and resale by the broker-dealer for its account;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>ordinary
brokerage transactions and transactions in which a broker solicits purchasers; or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>privately
negotiated transactions. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
selling the common stock, the selling stockholders may enter into hedging transactions. For example, they may: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>enter
into transactions involving short sales of the common stock by broker-dealers;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>sell
the common stock short themselves and redeliver those shares to close out their short positions;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>enter
into option or other types of transactions that require the selling stockholder to deliver common stock to a broker-dealer, who will then resell or
transfer the common stock under this prospectus; or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>loan
or pledge the common stock to a broker-dealer, who may sell the loaned shares or, in the event of default, sell the pledged shares. </FONT></DD></DL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
selling stockholders may negotiate and pay broker-dealers commissions, discounts or concessions for their services. Broker-dealers engaged by the selling stockholders may allow other
broker-dealers to participate in resales. However, the selling stockholders and any broker-dealers involved in the sale or resale of the common stock may qualify as underwriters within the meaning of
Section&nbsp;2(a)(11) of the Securities Act. In addition, the broker-dealers' commissions, discounts or concessions may qualify as underwriters' compensation under the Securities Act. If the selling
stockholders qualify as underwriters, they will be subject to the prospectus delivery requirements of Section&nbsp;5(b)(2) of the Securities Act. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
selling stockholders have advised us that they have not entered into any agreements, understandings or arrangements with any underwriters, broker-dealers or agents in connection with
the proposed sale of the common stock. If the selling stockholders notify us that they have entered into a material arrangement with an underwriter, broker-dealer or agent for the sale of the common
stock, a supplement to this prospectus will be filed, if required pursuant to Rule&nbsp;424(b) under the Securities Act. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to selling shares of their common stock under this prospectus, the selling stockholders may: </FONT></P>

<UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>agree
to indemnify any broker-dealer or agent against certain liabilities related to the selling of the common stock, including liabilities arising under the
Securities Act;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>transfer
their common stock in other ways not involving market makers or established trading markets, including directly by gift, distribution, or other
transfer; or
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>&#149;</FONT></DT><DD><FONT SIZE=2>sell
their common stock under Rule&nbsp;144 of the Securities Act rather than under this prospectus, if the transaction meets the requirements of
Rule&nbsp;144. </FONT></DD></DL>
</UL>
<P ALIGN="CENTER"><FONT SIZE=2>15</FONT></P>

<HR NOSHADE>
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<A NAME="page_dg2792_1_16"> </A>
<UL>
<UL>
</UL>
</UL>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have informed the selling stockholders that the anti-manipulative provisions of Regulation&nbsp;M under the Exchange Act of 1934 may apply to their sales in the market.
With certain exceptions, Regulation&nbsp;M precludes the selling stockholders, any affiliated purchasers, and any broker-dealer or other person who participates in such distribution from bidding for
or purchasing, or attempting to induce any person to bid for or purchase any security which is the subject of the distribution until the entire distribution is complete. Regulation&nbsp;M also
prohibits any bids or purchases made in order to stabilize the price of a security in connection with the distribution of that security. All of the foregoing may affect the marketability of our common
stock. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have agreed to indemnify the selling stockholders against certain liabilities arising in connection with this offering, including liabilities under the Securities Act, or to
contribute to payments that the selling stockholders may be required to make in that respect. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
will make copies of this prospectus available to selling stockholders and have informed them of the requirement for delivery of copies of this prospectus to purchasers at or before
the time of any sale of the shares. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sales
of a substantial number of shares of common stock by the selling stockholders, or the perception that sales could occur, could adversely affect the market price for shares of our
common stock. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
can be no assurance that the selling stockholders will sell any or all of their shares of common stock covered by this prospectus. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Legal Matters  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gardner Carton&nbsp;&amp; Douglas, Chicago, Illinois, will pass upon the validity of the common stock offered by this prospectus. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Experts  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The consolidated financial statements of Centiv as of December&nbsp;31, 2001 and 2000 and for each of the two years in the period ended December&nbsp;31,
2001, have been audited by Grant Thornton, LLP, independent public accountants. The consolidated financial statements of Centiv for the year ended December&nbsp;31, 1999, have been audited by
PricewaterhouseCoopers LLP, independent public accountants. These financial statements and the report of the independent public accountants, included in Centiv's Annual Report on
Form&nbsp;10-K filed on April&nbsp;1, 2002, are incorporated by reference in reliance on the reports of Grant Thornton, LLP and the report of PricewaterhouseCoopers LLP, given on the
authority of said firms as experts in auditing and accounting. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>16</FONT></P>

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NAME="page_ja2792_1_1"> </A> </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ja2792_part_ii_information_not_required_in_prospectus"> </A>
<A NAME="toc_ja2792_1"> </A>
<BR></FONT><FONT SIZE=2><B>PART II    <BR>    <BR>    Information Not Required In Prospectus    <BR>  </B></FONT></P>

<P><FONT SIZE=2><A
NAME="ja2792_item_14._other_expenses_of_issuance_and_distribution"> </A>
<A NAME="toc_ja2792_2"> </A></FONT> <FONT SIZE=2><B>Item 14. </B></FONT><FONT SIZE=2><B><I>Other Expenses of Issuance and Distribution    <BR>  </I></B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table sets forth all fees and expenses payable by the registrant in connection with the issuance and distribution of the securities being registered
hereby. All of such expenses, except the SEC registration fee, are estimated. </FONT></P>

<!-- User-specified TAGGED TABLE -->
<DIV ALIGN="CENTER"><TABLE WIDTH="60%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="CENTER"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH COLSPAN=2 ALIGN="LEFT"><FONT SIZE=1>&nbsp;</FONT><BR></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>Securities and Exchange Commission registration fee</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>342</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>Legal fees and expenses</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>15,000</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>Accountants' fees</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>5,000</FONT></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>Printing expenses</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>5,000</FONT></TD>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>Miscellaneous</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>4,658</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2 ALIGN="RIGHT"><HR NOSHADE></TD>
</TR>
<TR BGCOLOR="White" VALIGN="TOP">
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="78%"><FONT SIZE=2>Total</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>$</FONT></TD>
<TD WIDTH="11%" ALIGN="RIGHT"><FONT SIZE=2>30,000</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD COLSPAN=2><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2 ALIGN="RIGHT"><HR NOSHADE SIZE=4></TD>
</TR>
</TABLE></DIV>
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<P><FONT SIZE=2><A
NAME="ja2792_item_15._indemnification_of_directors_and_officers"> </A>
<A NAME="toc_ja2792_3"> </A>
<BR></FONT><FONT SIZE=2><B>Item 15. </B></FONT><FONT SIZE=2><B><I>Indemnification of Directors and Officers    <BR>  </I></B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Georgia Business Corporation Code (the "GBCC") provides that a Georgia corporation may indemnify a director if he or she acted in good faith and reasonably
believed that his or her actions were in the corporation's best interests. The GBCC also allows a corporation to advance expenses upon receiving written confirmation that the relevant standard of
conduct (good faith and reasonable relief) has been met. Under the GBCC, a corporation may purchase and maintain liability insurance for its directors and officers. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We
have entered into indemnification agreements with our directors and executive officers. In each indemnification agreement, we agree to indemnify the person named as indemnitee for
expenses, including reasonable attorneys' fees, judgments, penalties, fines and amounts paid in settlement actually and reasonably incurred by that person in connection with certain civil or criminal
actions or administrative proceedings arising out of that person's performance of his or her duties as a director or officer. The indemnification will not cover a lawsuit brought by the director or
officer. The indemnification will be available only if the person named as indemnitee acted in good faith and in a manner he or she reasonably believed to be in, or not opposed to, our best interests.
Further, in connection with a criminal matter, the indemnification will be available only if that person had no reasonable cause to believe his or her conduct was unlawful. The indemnification
agreements also require us to indemnify that person to the fullest extent permitted by applicable law. Each indemnification agreement permits the indemnitee to bring a lawsuit under that
indemnification agreement, and to recover the expenses of such a lawsuit if it is successful. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our
bylaws provide that we must indemnify our directors, officers, employees or agents to the full extent permitted by the laws of Georgia. We have the right to purchase and maintain
insurance on behalf of any of these persons whether or not we have the power to indemnify that person against the liability. We have purchased a standard policy of directors' and officers' liability
insurance covering our directors and officers with respect to liabilities incurred as a result of his or her service in those positions. </FONT></P>

<P><FONT SIZE=2><A
NAME="ja2792_item_16._exhibits"> </A>
<A NAME="toc_ja2792_4"> </A>
<BR></FONT><FONT SIZE=2><B>Item 16. </B></FONT><FONT SIZE=2><B><I>Exhibits    <BR>  </I></B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See Index to Exhibits. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>II-1</FONT></P>

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<BR>

<P><FONT SIZE=2><A
NAME="ja2792_item_17._undertakings"> </A>
<A NAME="toc_ja2792_5"> </A>
<BR></FONT><FONT SIZE=2><B>Item 17. </B></FONT><FONT SIZE=2><B><I>Undertakings    <BR>  </I></B></FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(a)</FONT></DT><DD><FONT SIZE=2>The
undersigned registrant hereby undertakes:
<BR><BR></FONT>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(1)</FONT></DT><DD><FONT SIZE=2>To
file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
<BR><BR></FONT>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(i)</FONT></DT><DD><FONT SIZE=2>to
include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(ii)</FONT></DT><DD><FONT SIZE=2>to
reflect in the prospectus any facts or events arising after the effective date of this registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in this registration statement. Notwithstanding the
foregoing, any increase or decrease in the volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or
high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule&nbsp;424(b) if, in the aggregate, the changes in volume and
price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement;
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(iii)</FONT></DT><DD><FONT SIZE=2>to
include any material information with respect to the plan of distribution not previously disclosed in this registration statement or any material
change to such information in this registration statement; </FONT></DD></DL>
</DD></DL>
</DD></DL>
<UL>
<UL>

<P><FONT SIZE=2>provided,
however, that paragraphs (a)(1)(i)&nbsp;and (a)(1)(ii)&nbsp;do not apply if the information required to be included in a post-effective amendment by those paragraphs is
contained in periodic reports filed by the registrant pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Exchange Act that are incorporated by reference in this registration statement. </FONT></P>

</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(2)</FONT></DT><DD><FONT SIZE=2>That,
for the purpose of determining any liability under the Securities Act, each post-effective amendment that contains a form of prospectus shall be deemed to be a new
registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(3)</FONT></DT><DD><FONT SIZE=2>To
remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. </FONT></DD></DL>
<BR>
</UL>
<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2>(b)</FONT></DT><DD><FONT SIZE=2>The
undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the registrant's annual report pursuant to
Section&nbsp;13(a) or Section&nbsp;15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section&nbsp;15(d) of the Exchange Act)
that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial bona fide offering thereof.
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2>(c)</FONT></DT><DD><FONT SIZE=2>Insofar
as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing
provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act
and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer
or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being
registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue. </FONT></DD></DL>
<P ALIGN="CENTER"><FONT SIZE=2>II-2</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="jc2792_signatures"> </A>
<A NAME="toc_jc2792_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURES    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of
the requirements for filing on Form&nbsp;S-3 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of
Vernon Hills and State of Illinois on the 26th day of April&nbsp;2002. </FONT></P>

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<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2><BR>
CENTIV,&nbsp;INC.<BR>
(Registrant)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="50%"><FONT SIZE=2><BR>
/s/ William M. Rychel</FONT><HR NOSHADE><FONT SIZE=2> William M. Rychel<BR>
President and Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=2><B>POWER OF ATTORNEY  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints William M. Rychel and Thomas M. Mason, and each of
them, his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution for him and in his name, place and stead, in any and all capacities,
to sign, execute and file this Registration Statement and any amendments (including, without limitation, post-effective amendments) to this Registration Statement, and any and all
additional registration statements filed pursuant to Rule&nbsp;462(b) related to this Registration Statement, and to file the same, with all exhibits thereto and all documents required to be filed
with respect therewith, with the Securities and Exchange Commission or any regulatory authority, granting unto such attorneys-in-fact and agents full power and authority to do
and perform each and every act and thing requisite and necessary to be done in connection therewith and about the premises in order to effectuate the same as fully to all intents and purposes as he
might or could do if personally present, hereby ratifying and confirming all that such attorneys-in-fact and agents or his or their substitute or substitutes, may lawfully do
or cause to be done. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed by the following persons in the capacities indicated on the 26th day
of April&nbsp;2002. </FONT></P>

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<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>WILLIAM M. RYCHEL</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> William M. Rychel<BR>
President and Chief Executive Officer<BR>
Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>THOMAS M. MASON</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Thomas M. Mason<BR>
Vice President of Finance, Chief Financial Officer<BR>
and Chief Accounting Officer<BR>
Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>FRANK X. DALTON</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Frank X. Dalton<BR>
Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>STEVEN J. CARAVALE</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Steven J. Caravale<BR>
Chairman and Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>ALBERT E. SISTO</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Albert E. Sisto<BR>
Director</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>KIM FEIL</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> Kim Fiel<BR>
Director</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="49%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=2>S-1</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ka2792_index_to_exhibits"> </A>
<A NAME="toc_ka2792_1"> </A>
<BR></FONT><FONT SIZE=2><B>Index to Exhibits    <BR>  </B></FONT></P>

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<TH WIDTH="8%" ALIGN="CENTER"><FONT SIZE=1><B>Exhibit</B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="89%" ALIGN="LEFT"><FONT SIZE=1><B>Description<BR> </B></FONT><HR NOSHADE></TH>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2>4.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2>Restated Articles of Incorporation dated January&nbsp;21, 2000 as amended December&nbsp;31, 2001 and related Certificate of Designations filed March&nbsp;28, 2002 (Filed as Exhibit&nbsp;3.1 to the Company's annual report
on Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2001 and incorporated herein by reference)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Form of Securities Purchase Agreement dated March&nbsp;28, 2002 by and among Centiv,&nbsp;Inc. and the purchasers identified on Exhibit&nbsp;A thereto (Filed as Exhibit 4.1 to the Company's annual report on Form&nbsp;10-K for the fiscal year ended
December&nbsp;31, 2001 and incorporated herein by reference)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.3</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Form of Investors Rights Agreement dated March&nbsp;28, 2002 by and among Centiv,&nbsp;Inc. and the investors who are signatories thereto (Filed as Exhibit&nbsp;4.2 to the Company's annual report on Form&nbsp;10-K for the fiscal year ended
December&nbsp;31, 2001 and incorporated herein by reference)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
4.4</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Form of Warrant issued pursuant to Securities Purchase Agreement dated March&nbsp;28, 2002 by and among Centiv,&nbsp;Inc. and the purchasers identified on Exhibit&nbsp;A thereto (Filed as Exhibit&nbsp;4.3 to the Company's annual report on
Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2001 and incorporated herein by reference)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
5.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Opinion of Gardner Carton&nbsp;&amp; Douglas (to be filed by amendment)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Consent of Grant Thornton, LLP</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.2</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Consent of PricewaterhouseCoopers LLP</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
23.3</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Consent of Gardner Carton&nbsp;&amp; Douglas (included in Exhibit&nbsp;5.1)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="8%" ALIGN="RIGHT"><FONT SIZE=2><BR>
24.1</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="89%"><FONT SIZE=2><BR>
Powers of Attorney (included on the signature page)</FONT></TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=2>E-1</FONT></P>

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<FONT SIZE=2><A HREF="#toc_ja2792_1">PART II Information Not Required In Prospectus</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_ja2792_2">Item 14. Other Expenses of Issuance and Distribution</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ja2792_3">Item 15. Indemnification of Directors and Officers</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ja2792_4">Item 16. Exhibits</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ja2792_5">Item 17. Undertakings</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_jc2792_1">SIGNATURES</A></FONT><BR>
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<FONT SIZE=2><A HREF="#toc_ka2792_1">Index to Exhibits</A></FONT><BR>
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<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>a2078094zex-23_1.htm
<DESCRIPTION>CONSENT OF GRANT THORNTON
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<BR></FONT><FONT SIZE=2><B>Exhibit 23.1    <BR>  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Consent of Independent Certified Public Accountants  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have issued our report dated February&nbsp;6, accompanying the consolidated financial statements, as of and for the years ended December&nbsp;31, 2001 and
2000 included in the Annual Report of Centiv,&nbsp;Inc. on Form&nbsp;10-K for the years ended December&nbsp;31, 2001 and 2000. We hereby consent to the incorporation by reference of
said report in the Registration Statement of Centiv,&nbsp;Inc. on Form&nbsp;S-3 dated April&nbsp;26, 2002. </FONT></P>

<P><FONT SIZE=2>/s/
Grant Thornton, LLP<BR></FONT></P>

<P><FONT SIZE=2>Chicago,
Illinois<BR>
April&nbsp;24, 2002 </FONT></P>

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<FONT SIZE=2><A HREF="#toc_kc2792_1">Exhibit 23.1</A></FONT><BR>
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<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>a2078094zex-23_2.htm
<DESCRIPTION>CONSENT OF PRICEWATERHOUSE COOPERS LLP
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<BR></FONT><FONT SIZE=2><B>Exhibit 23.2    <BR>  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>Consent of Independent Accountants  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We hereby consent to the incorporation by reference in this Registration Statement on Form&nbsp;S-3 of our report dated March&nbsp;3, 2000, except
for Note&nbsp;15 regarding the discontinuance of the Tekgraf Technology Services Division for which the date is October&nbsp;31, 2000 and regarding the discontinuance of the Channels Business, for
which the date is December&nbsp;28, 2001, relating to the financial statements and financial statement schedules, which appears in Centiv's Annual Report on Form&nbsp;10-K for the year
ended December&nbsp;31, 2001. We also consent to the reference to us under the heading "Experts" in such Registration Statement. </FONT></P>

<P><FONT SIZE=2>PricewaterhouseCoopers
LLP </FONT></P>

<P><FONT SIZE=2>Chicago,
Illinois<BR>
April&nbsp;26, 2002 </FONT></P>

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