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<P align="center" style="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>

<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P align="center" style="font-size: 10pt"><B>Date of Report (Date of earliest event reported): January 20, 2009</B>

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<P align="center" style="font-size: 24pt"><B>
CAPTERRA FINANCIAL GROUP, INC.
<BR></B>
<FONT style="font-size: 10pt"> (Exact Name of Small Business Issuer as specified in its charter)
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    <TD style="border-bottom: 1px solid #000000"><B>Colorado</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>000-50764</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>20-0003432</B></TD>
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<TR valign="top">
    <TD>(State or other Jurisdiction of Incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD>(Commission File Number)</TD>
    <TD>&nbsp;</TD>
    <TD>(IRS Employer Identification No.)</TD>
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    <TD style="border-bottom: 1px solid #000000"><B>700 Seventeenth Street, Suite 1200, Denver, Colorado <BR></B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>80202</B></TD>
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    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
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<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(303) 893-1003</B>


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    <TD nowrap style="border-bottom: 1px solid #000000"><B>ACROSS AMERICA REAL ESTATE CORP.</B></TD>
</TR>
<TR>
    <TD nowrap>(Former name or former address if changed since last report.)</TD>
</TR>
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<P align="left" style="font-size: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:

<P align="left" style="font-size: 10pt">
<FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<BR>


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<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>FORM 8-K<BR>
CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d)<BR>
of the Securities Act of 1934</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">References in this document to &#147;us,&#148; &#147;we,&#148; or &#147;the Company&#148; refer to CAPTERRA FINANCIAL GROUP, INC.
and its subsidiaries.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><u>Item&nbsp;5.02 Departure of Principal Officer</u>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Mr.&nbsp;Peter Shepard, our President and Chief Executive Officer, and a Director, has resigned from all
offices, effective immediately. A copy of his resignation letter is attached. Mr.&nbsp;James W.
Creamer, III, our Chief Financial Officer, has been appointed by our Board of Directors to act as
President and Chief Executive Officer, in addition to his duties as Chief Financial Officer and
Treasurer. We have also appointed Ms.&nbsp;Joni Troska as our corporate Secretary.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><u>Item&nbsp;8.01 Other Events</u>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Our Board of Directors has decided to downsize the operations of the Company. Because of changes in
the capital markets and what we believe is a limited ability to realize the value of our existing
portfolio in an expedited manner, we have shifted the focus of our business plan to portfolio
management and preservation of capital.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">In response, and in an effort to cut operating expenses, we and our President and Chief Executive
Officer, Mr.&nbsp;Peter Shepard, have mutually agreed to terminate his employment and implement a
broader reduction in force.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">For the immediate future, we plan to concentrate on disposing of our real estate assets and
developing a new model for real estate activities.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><u>Item&nbsp;9.01 Exhibit; Resignation Letter</u>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt">&#091;Letterhead&#093;
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">The Board of Directors<BR>
CapTerra Financial Group, Inc.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">January&nbsp;20, 2009
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Gentlemen;
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Effective immediately, I resign from all offices including my position as a director of CapTerra
Financial Group, Inc.
</DIV>



<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">I wish the directors and the Company the best success in the future.
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; margin-left: 50%">Sincerely,
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; margin-left: 50%">/s/ Peter Shepard
</DIV>




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<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>SIGNATURES</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.
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    <TD valign="top" align="left">Date: January 20, 2009               &nbsp;</TD>
    <TD colspan="3" align="left"><b>CapTerra Financial Group, Inc.</b><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ James W. Creamer, III
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">James W. Creamer, III&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
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    <TD colspan="5">&nbsp;</TD>
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{"company-data": {"conformed-name": "CAPTERRA FINANCIAL GROUP, INC.", "cik": "0001233275", "assigned-sic": "6500", "irs-number": "200003432", "state-of-incorporation": "CO", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-50764", "film-number": "09535298"}, "business-address": {"street1": "700 SEVENTEENTH STREET, SUITE 1200", "city": "DENVER", "state": "CO", "zip": "80202", "phone": "303- 893-1003"}, "mail-address": {"street1": "700 SEVENTEENTH STREET, SUITE 1200", "city": "DENVER", "state": "CO", "zip": "80202"}, "former-company": [{"former-conformed-name": "ACROSS AMERICA REAL ESTATE CORP", "date-changed": "20050720"}, {"former-conformed-name": "ACROSS AMERICA REAL ESTATE DEVELOPMENT CORP", "date-changed": "20030515"}]}
Filed by Bowne Pure Compliance
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 20, 2009
CAPTERRA FINANCIAL GROUP, INC.
(Exact Name of Small Business Issuer as specified in its charter)
Colorado
000-50764
20-0003432
(State or other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
700 Seventeenth Street, Suite 1200, Denver, Colorado
80202
(Address of Principal Executive Offices)
(Zip Code)
Registrant's telephone number, including area code:
(303) 893-1003
ACROSS AMERICA REAL ESTATE CORP.
(Former name or former address if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Act of 1934
References in this document to "us," "we," or "the Company" refer to CAPTERRA FINANCIAL GROUP, INC.
and its subsidiaries.
Item 5.02 Departure of Principal Officer
Mr. Peter Shepard, our President and Chief Executive Officer, and a Director, has resigned from all
offices, effective immediately. A copy of his resignation letter is attached. Mr. James W.
Creamer, III, our Chief Financial Officer, has been appointed by our Board of Directors to act as
President and Chief Executive Officer, in addition to his duties as Chief Financial Officer and
Treasurer. We have also appointed Ms. Joni Troska as our corporate Secretary.
Item 8.01 Other Events
Our Board of Directors has decided to downsize the operations of the Company. Because of changes in
the capital markets and what we believe is a limited ability to realize the value of our existing
portfolio in an expedited manner, we have shifted the focus of our business plan to portfolio
management and preservation of capital.
In response, and in an effort to cut operating expenses, we and our President and Chief Executive
Officer, Mr. Peter Shepard, have mutually agreed to terminate his employment and implement a
broader reduction in force.
For the immediate future, we plan to concentrate on disposing of our real estate assets and
developing a new model for real estate activities.
Item 9.01 Exhibit; Resignation Letter
[Letterhead]
The Board of Directors
CapTerra Financial Group, Inc.
January 20, 2009
Gentlemen;
Effective immediately, I resign from all offices including my position as a director of CapTerra
Financial Group, Inc.
I wish the directors and the Company the best success in the future.
Sincerely,
/s/ Peter Shepard
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: January 20, 2009
CapTerra Financial Group, Inc.
By:
/s/ James W. Creamer, III
James W. Creamer, III
Chief Executive Officer