UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                                    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) FEBRUARY 22, 2005

                           NETWORTH TECHNOLOGIES, INC.
                              (F/K/A COLMENA CORP.)
             (Exact name of registrant as specified in its charter)

            DELAWARE                   0-27842                    54-1778587
  State or Other Jurisdiction       (Commission               (I.R.S. Employer
        of Incorporation)           File Number)            Identification No.)


          6499 NW 9TH AVENUE, SUITE 304, FORT LAUDERDALE, FLORIDA 33309
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (954) 670-2300

                                 NOT APPLICABLE
          (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:

[ ]   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

[ ]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
      CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240-13e-4(c)

<PAGE>

ITEM 5.02 DEPARTURE OF DIRECTORS OR PRINCIPAL OFFICERS; ELECTION OF DIRECTORS;
APPOINTMENT OF PRINCIPAL OFFICERS

      (b)   Effective on February 22, 2005, the registrant's principal financial
            officer and principal accounting officer,  April J. Green,  resigned
            as Chief Financial  Officer and Secretary and from all other officer
            and positions with the registrant and its  subsidiaries  in order to
            pursue other  opportunities.  The registrant has not appointed a new
            principal financial officer or principal accounting officer.

      (c)   On February  21,  2005,  the Board of  Directors  of the  registrant
            appointed L. Joshua Eikov as interim  Secretary and Treasurer of the
            registrant. Mr. Eikov will continue as President of the registrant.


ITEM 5.03 AMENDMENTS TO ARTICLES OF  INCORPORATION  OR BYLAWS;  CHANGE IN FISCAL
YEAR

      (a)   On February  17,  2005,  the Board of  Directors  of the  registrant
            authorized  the  merger  into the  registrant  of its  wholly  owned
            subsidiary,   NetWorth   Government   Systems,   Inc.,   a   Florida
            corporation,  with the registrant continuing as the survivor of that
            merger  and  the  outstanding   shares  of  capital  stock  of  that
            subsidiary  being  canceled.  The Board of Directors also authorized
            the  change  of  corporate  name  of  the  registrant  to  "NetWorth
            Technologies,  Inc." in  connection  with that  merger,  in order to
            assure the effectiveness under Delaware corporate law of that change
            of corporate name (originally  approved by the Board of Directors on
            October  7,  2004)  without  action  of  the   stockholders  of  the
            registrant.

                   SECTION 9-FINANCIAL STATEMENTS AND EXHIBITS

     9.01 (c) EXHIBITS

     3. Certificate of Ownership Merging NetWorth Government Systems,  Inc. into
NetWorth Technologies, Inc.

                                   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.

         DATED:  FEBRUARY 28, 2005


                                                  NETWORTH TECHNOLOGIES, INC.

                                                  By: /s/ L. Joshua Eikov
                                                      --------------------------
                                                      L. Joshua Eikov
                                                      President, Chief Executive
                                                      Officer, Secretary and
                                                      Treasurer
{"company-data": {"conformed-name": "NETWORTH TECHNOLOGIES, INC.", "cik": "0001000285", "assigned-sic": "4813", "irs-number": "541778587", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-27842", "film-number": "05659895"}, "business-address": {"street1": "6499 NW 9TH AVENUE", "street2": "SUITE 304", "city": "FORT LAUDERDALE", "state": "FL", "zip": "33309", "phone": "954-670-2300"}, "mail-address": {"street1": "6499 NW 9TH AVENUE", "street2": "SUITE 304", "city": "FORT LAUDERDALE", "state": "FL", "zip": "33309"}, "former-company": [{"former-conformed-name": "COLMENA CORP", "date-changed": "19980312"}, {"former-conformed-name": "SPORTS GUARD INC", "date-changed": "19960228"}]}
UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                                    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) FEBRUARY 22, 2005

                           NETWORTH TECHNOLOGIES, INC.
                              (F/K/A COLMENA CORP.)
             (Exact name of registrant as specified in its charter)

            DELAWARE                   0-27842                    54-1778587
  State or Other Jurisdiction       (Commission               (I.R.S. Employer
        of Incorporation)           File Number)            Identification No.)

          6499 NW 9TH AVENUE, SUITE 304, FORT LAUDERDALE, FLORIDA 33309
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (954) 670-2300

                                 NOT APPLICABLE
          (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:

[ ]   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

[ ]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
      CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240-13e-4(c)
ITEM 5.02 DEPARTURE OF DIRECTORS OR PRINCIPAL OFFICERS; ELECTION OF DIRECTORS;
APPOINTMENT OF PRINCIPAL OFFICERS

      (b)   Effective on February 22, 2005, the registrant's principal financial
            officer and principal accounting officer,  April J. Green,  resigned
            as Chief Financial  Officer and Secretary and from all other officer
            and positions with the registrant and its  subsidiaries  in order to
            pursue other  opportunities.  The registrant has not appointed a new
            principal financial officer or principal accounting officer.

      (c)   On February  21,  2005,  the Board of  Directors  of the  registrant
            appointed L. Joshua Eikov as interim  Secretary and Treasurer of the
            registrant. Mr. Eikov will continue as President of the registrant.

ITEM 5.03 AMENDMENTS TO ARTICLES OF  INCORPORATION  OR BYLAWS;  CHANGE IN FISCAL
YEAR

      (a)   On February  17,  2005,  the Board of  Directors  of the  registrant
            authorized  the  merger  into the  registrant  of its  wholly  owned
            subsidiary,   NetWorth   Government   Systems,   Inc.,   a   Florida
            corporation,  with the registrant continuing as the survivor of that
            merger  and  the  outstanding   shares  of  capital  stock  of  that
            subsidiary  being  canceled.  The Board of Directors also authorized
            the  change  of  corporate  name  of  the  registrant  to  "NetWorth
            Technologies,  Inc." in  connection  with that  merger,  in order to
            assure the effectiveness under Delaware corporate law of that change
            of corporate name (originally  approved by the Board of Directors on
            October  7,  2004)  without  action  of  the   stockholders  of  the
            registrant.

                   SECTION 9-FINANCIAL STATEMENTS AND EXHIBITS

     9.01 (c) EXHIBITS

     3. Certificate of Ownership Merging NetWorth Government Systems,  Inc. into
NetWorth Technologies, Inc.

                                   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.

         DATED:  FEBRUARY 28, 2005

                                                  NETWORTH TECHNOLOGIES, INC.

                                                  By: /s/ L. Joshua Eikov
                                                      --------------------------
                                                      L. Joshua Eikov
                                                      President, Chief Executive
                                                      Officer, Secretary and
                                                      Treasurer