EXHIBIT 31.1


                                  CERTIFICATION

         I, L. Joshua Eikov, certify that:

         1. I have reviewed this 10-KSB Report of NetWorth Technologies, Inc.

         2. Based on my  knowledge,  this  report  does not  contain  any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of the  circumstances  under which such statements
were made, not misleading with respect to the period covered by this report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material respects the
financial condition,  results of operations and cash flows of the small business
issuer as of, and for, the periods presented in this report;

         4. The small business  issuer's other  certifying  officer(s) and I are
responsible for establishing and maintaining  disclosure controls and procedures
(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal  control
over  financial  reporting  (as  defined in  Exchange  Act Rules  13a-15(f)  and
15d-15(f) for the small business issuer and have:

         (a) Designed such disclosure  controls and  procedures,  or caused such
disclosure  controls and procedures to be designed under NetWorth  Technologies'
supervision,  to ensure that material information relating to the small business
issuer, including its consolidated  subsidiaries,  is made known to us by others
within those  entities,  particularly  during the period in which this report is
being prepared;

         (b) Designed such internal control over financial reporting,  or caused
such internal  control over  financial  reporting to be designed  under NetWorth
Technologies'  supervision,   to  provide  reasonable  assurance  regarding  the
reliability of financial  reporting and the preparation of financial  statements
for  external  purposes  in  accordance  with  generally   accepted   accounting
principles;

         (c)  Evaluated  the   effectiveness  of  the  small  business  issuer's
disclosure  controls  and  procedures  and  presented  in this  report  NetWorth
Technologies' conclusions about the effectiveness of the disclosure controls and
procedures,  as of the end of the period  covered by this  report  based on such
evaluation; and

         (d) Disclosed in this report any change in the small business  issuer's
internal  control  over  financial  reporting  that  occurred  during  the small
business  issuer's most recent fiscal  quarter (the  registrant's  fourth fiscal
quarter in the case of an annual  report) that has  materially  affected,  or is
reasonably  likely to materially  affect,  the small business  issuer's internal
control over financial reporting; and

         5. The small business  issuer's other certifying  officer(s) and I have
disclosed,  based on NetWorth  Technologies  most recent  evaluation of internal
control over financial  reporting,  to the small business  issuer's auditors and
the audit  committee  of the small  business  issuer's  board of  directors  (or
persons performing the equivalent functions):

         (a) All significant  deficiencies and material weaknesses in the design
or operation of internal  control over financial  reporting which are reasonably
likely to  adversely  affect  the small  business  issuer's  ability  to record,
process, summarize and report financial information; and

         (b) Any fraud,  whether or not material,  that  involves  management or
other  employees  who have a  significant  role in the small  business  issuer's
internal controls over financial reporting.


April 14, 2005                 By: /s/ L. Joshua Eikov
                                   --------------------------------------------
                                   L. Joshua Eikov
                                   Chief Executive Officer (Principal Executive
                                   Officer and Principal Accounting Officer)
                                   and Director