**Exhibit 31.2**
**CERTIFICATIONS**
I, James W. Creamer III, Chief Financial Officer, certify that:
1. I have reviewed the report being filed on Form 10-KSB by CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSSAMERICA REAL ESTATE CORP;
2. Based on my knowledge, the report does not contain any untrue statement of a material fact or omit to state amaterial fact necessary to make the statements made, in light of the circumstances under which such statements weremade, not misleading with respect to the period covered by the report;
3. Based on my knowledge, the financial statements, and other financial information included in the report, fairlypresent in all material respects the financial condition, results of operations and cash flows of CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSS AMERICA REAL ESTATE CORP. as of, and for, the periods presented in the report;
4. I and the other certifying officer are responsible for establishing and maintaining disclosure controls andprocedures (as such term is defined in Regulation 13a-14 of the Securities Exchange Act of 1934) for CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSS AMERICA REAL ESTATE CORP and have:
 (a) Designed such disclosure controls and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure the material information relating to the smallbusiness issuer, including its consolidated subsidiaries, is made known to us by others within thoseentities, particularly during the period in which this report is being prepared;
 (b) Designed such internal control over financial reporting, or caused such internal control overfinancial reporting to be designed under our supervision, to provide reasonable assurance regarding thereliability of financial reporting and the preparation of financial statements for external purposes inaccordance with generally accepted accounting principles;
 (c) Evaluated the effectiveness of the small business issuer’s disclosure controls and procedures andpresented in this report our conclusions about the effectiveness of the disclosure controls andprocedures, as of the end of the period covered by this report based on such evaluation.
 (d) Disclosed in this report any change in the small business issuer’s internal control overfinancial reporting that occurred during the small business issuer’s most recent fiscal quarter (the smallbusiness issuer’s fourth fiscal quarter in the case of an annual report) that has materially affected, oris reasonably likely to materially affect, the small business issuer’s internal control over financialreporting; and
5. I and the other certifying officer have disclosed, based on our most recent evaluation, to the CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSS AMERICA REAL ESTATE CORP.. auditors and the auditcommittee of the board ofdirectors (or persons fulfilling the equivalent function):
 i. All significant deficiencies in the design or operation of internal controls which couldadversely affect CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSS AMERICA REAL ESTATE CORP.’sability to record, process, summarize and report financial data and have identified for CAPTERRA FINANCIAL GROUP, INC., formerly known as ACROSS AMERICA REAL ESTATE CORP.’s auditors any material weaknesses ininternal controls; and
 ii. Any fraud, whether or not material, that involves management or other employees who have asignificant role in the issuer’s internal controls; and
6. I and the other certifying officer have indicated in the report whether or not there were significant changes ininternal controls or in other factors that could significantly affect internal controls subsequent to the date of ourmost recent evaluation, including any corrective actions with regard to significant deficiencies and materialweaknesses.
Date: OCTOBER 15, 2008
**/**s/ James W. CreamerIII