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) MARCH 9, 2005

                           NETWORTH TECHNOLOGIES, INC.
             (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 5.03 AMENDMENTS TO ARTICLES OF INCORPORATION OR BYLAWS; CHANGE IN FISCAL
          YEAR

     (1)  Effective  on March 9,  2005,  pursuant  to  approval  by the Board of
     Directors of the registrant on February 17, 2005, the registrant filed with
     the Department of State of the State of Delaware a Certificate of Ownership
     Merging NetWorth Government Systems,  Inc. into NetWorth Technology,  Inc.,
     and filed with the Department of State of the State of Florida  Articles of
     Merger and Plan of Merger and Applications by Foreign Profit Corporation to
     File Amendment to Application  for  Authorization  to Transact  Business in
     Florida,  in order to effect 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,  and
     in order to assure the  effectiveness  under Delaware  corporate law of the
     change of  corporate  name of the  registrant  (originally  approved by the
     Board of  Directors on October 7, 2004) to  "NetWorth  Technologies,  Inc."
     without action of the stockholders of the registrant.

     (2)  Effective  on March  10,  2005 (the  "Effective  Time"),  pursuant  to
     approval by the Board of Directors of the  registrant on November 14, 2001,
     May 10, 2002, and March 4, 2005, and  authorization  by the stockholders of
     the  registrant on May 10, 2002,  the  registrant  filed a  Certificate  of
     Amendment of  Certificate of  Incorporation  in order to effect the reverse
     split  and  reclassification  ("Reclassification")  of its  authorized  and
     issued  (outstanding and treasury) shares of common stock,  $0.01 par value
     per share,  into shares of the registrant's  common stock,  $0.10 par value
     per share, on the basis of one (1)  reclassified  share of common stock for
     each ten (10) shares of common  stock  outstanding  immediately  before the
     Effective  Time,  with no payment  or other  consideration  for  fractional
     shares resulting from the  Reclassification.  No fractional shares resulted
     from the  Reclassification,  and no  fractional  shares would have resulted
     from such reverse split and  reclassification had it become effective as of
     December 16, 2004.

     Immediately before the Effective Time,  650,000,000 shares of common stock,
     $0.01 par value per share,  were authorized,  of which  139,076,174  shares
     were issued and  outstanding.  As a result of the  Reclassification  at the
     Effective  Time,  65,000,000  shares of common  stock,  $0.10 par value per
     share,  were  authorized,  of  which  17,712,610  shares  were  issued  and
     outstanding immediately after the Effective Time.

     Shares of common stock of the registrant  have been issued and traded,  and
     shares of Class A Non-Voting, Convertible Preferred Stock, $0.001 par value
     per share ("Class A Preferred")  have been  converted into shares of common
     stock of the registrant  upon exercise of conversion  rights of the holders
     of shares of Class A  Preferred,  on the  basis  that the  Reclassification
     became effective on December 16, 2004.

                   SECTION 9-FINANCIAL STATEMENTS AND EXHIBITS

     9.01 (c) EXHIBITS

     3.1 Certificate of Ownership Merging NetWorth Government Systems, Inc. into
         NetWorth Technology, Inc.

     3.2 Certificate of Amendment of Certificate of Incorporation of NetWorth
         Technologies, Inc.

<PAGE>

                                   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:  MARCH 11, 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": "05675638"}, "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) MARCH 9, 2005

                           NETWORTH TECHNOLOGIES, INC.
             (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 5.03 AMENDMENTS TO ARTICLES OF INCORPORATION OR BYLAWS; CHANGE IN FISCAL
          YEAR

     (1)  Effective  on March 9,  2005,  pursuant  to  approval  by the Board of
     Directors of the registrant on February 17, 2005, the registrant filed with
     the Department of State of the State of Delaware a Certificate of Ownership
     Merging NetWorth Government Systems,  Inc. into NetWorth Technology,  Inc.,
     and filed with the Department of State of the State of Florida  Articles of
     Merger and Plan of Merger and Applications by Foreign Profit Corporation to
     File Amendment to Application  for  Authorization  to Transact  Business in
     Florida,  in order to effect 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,  and
     in order to assure the  effectiveness  under Delaware  corporate law of the
     change of  corporate  name of the  registrant  (originally  approved by the
     Board of  Directors on October 7, 2004) to  "NetWorth  Technologies,  Inc."
     without action of the stockholders of the registrant.

     (2)  Effective  on March  10,  2005 (the  "Effective  Time"),  pursuant  to
     approval by the Board of Directors of the  registrant on November 14, 2001,
     May 10, 2002, and March 4, 2005, and  authorization  by the stockholders of
     the  registrant on May 10, 2002,  the  registrant  filed a  Certificate  of
     Amendment of  Certificate of  Incorporation  in order to effect the reverse
     split  and  reclassification  ("Reclassification")  of its  authorized  and
     issued  (outstanding and treasury) shares of common stock,  $0.01 par value
     per share,  into shares of the registrant's  common stock,  $0.10 par value
     per share, on the basis of one (1)  reclassified  share of common stock for
     each ten (10) shares of common  stock  outstanding  immediately  before the
     Effective  Time,  with no payment  or other  consideration  for  fractional
     shares resulting from the  Reclassification.  No fractional shares resulted
     from the  Reclassification,  and no  fractional  shares would have resulted
     from such reverse split and  reclassification had it become effective as of
     December 16, 2004.

     Immediately before the Effective Time,  650,000,000 shares of common stock,
     $0.01 par value per share,  were authorized,  of which  139,076,174  shares
     were issued and  outstanding.  As a result of the  Reclassification  at the
     Effective  Time,  65,000,000  shares of common  stock,  $0.10 par value per
     share,  were  authorized,  of  which  17,712,610  shares  were  issued  and
     outstanding immediately after the Effective Time.

     Shares of common stock of the registrant  have been issued and traded,  and
     shares of Class A Non-Voting, Convertible Preferred Stock, $0.001 par value
     per share ("Class A Preferred")  have been  converted into shares of common
     stock of the registrant  upon exercise of conversion  rights of the holders
     of shares of Class A  Preferred,  on the  basis  that the  Reclassification
     became effective on December 16, 2004.

                   SECTION 9-FINANCIAL STATEMENTS AND EXHIBITS

     9.01 (c) EXHIBITS

     3.1 Certificate of Ownership Merging NetWorth Government Systems, Inc. into
         NetWorth Technology, Inc.

     3.2 Certificate of Amendment of Certificate of Incorporation of 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:  MARCH 11, 2005

                                          NETWORTH TECHNOLOGIES, INC.

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