**SECURITIES
      AND EXCHANGE COMMISSION**


Washington,
      D.C. 20549







**FORM
      10-QSB**





QUARTERLY
      REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE


SECURITIES
      EXCHANGE ACT OF 1934





For
      the
      Quarterly period ended **March
      31, 2007**





*Commission
      File No. 000-*52530**








**Across
      America Financial Services, Inc.**


(Exact
      Name of Small Business Issuer as specified in its charter)


Colorado
              20-8097969(State
                  or other jurisdiction
              (IRS
                  Employer File Number)of
                  incorporation)700
                  17thStreet, Suite 1200Denver,
                  Colorado
              80202(Address
                  of principal executive offices)
              (zip
                  code)




(303)
      893-1003


(Registrant's
      telephone number, including area code)





Check
      whether the issuer: (1) filed all reports required to be filed by Section 13
      or
      15(d) of the Exchange Act during the past 12 months (or for such shorter period
      that the registrant was required to file such reports); and (2) has been subject
      to such filing requirements for the past 90 days. Yes
      [X]    No [ ]





Indicate
      by check mark whether the registrant is a shell company (as defined in Rule
      12b-2 of the Exchange Act) Yes [X]    No []





As
      of May
      1, 2007, registrant had outstanding 1,810,476 shares
      of
      the registrant’s common stock.  The
      securities of this Company do not trade in a public market.




Transitional
      Small Business Disclosure Format (check one):   Yes [
      ]    No [X]






*-
          1
          -*









**FORM
      10-QSB**


**Across
      America Financial Services, Inc.**





**TABLE
      OF CONTENTS**





**Page**PART
                  I FINANCIAL INFORMATIONItem
                  1.     Financial Statements for the period ended March
                  31, 2007
              3Balance
                  Sheet
                  (Unaudited)
              3Statements
                  of
                  Operations (Unaudited)
              4Statements
                  of
                  Cash Flows (Unaudited)
              5Statement of Changes in Shareholders' Deficit
              6Notes
                  to Consolidated Financial Statements
              7Item
                  2.     Management’s Discussion and Analysis and Plan
                  of Operation
              10Item
                  3.     Controls and Procedures
              15PART
                  II OTHER INFORMATIONItem
                  1.     Legal Proceedings
              15Item
                  2.     Changes in Securities
              15Item
                  3.     Defaults Upon Senior Securities
              15Item
                  4.     Submission of Matters to a Vote of Security
                  Holders
              15Item
                  5.     Other Information
              15Item
                  6.     Exhibits and Reports on Form
                  8-K
              16Signatures
              16








*-
          2
          -*




PART
      I
      FINANCIAL INFORMATION





References
      in this document to "us," "we," or "Company" refer to Across America Financial
      Services, Inc. and its subsidiaries.





ITEM
      1.
      FINANCIAL STATEMENTS







**Across
      America Financial Services, Inc.**


**(A
      Development Stage Company)**


**Balance
      Sheet**


**(unaudited)**


**March
        31, 2007**


AssetsCash
                and cash equivalents
            
            $
            15,334Deposits
            
            
            3,791Total
                assets
            
            $
            19,125Liabilities
                and Shareholders' DeficitLiabilitiesAccrued liabilities
            
            
            15,536Note payable, related party (note 3)
            
            
            40,049Total
                liabilities
            
            $
            55,585Shareholders'
                deficit (note 4)Preferred stock, $.10 par value; 1,000,000 shares
                authorized,-0- shares issued and outstanding
            
            
            -Common stock, $.001 par value; 50,000,000 shares
                authorized,
            
            
            1,8101,810,476 shares issued and outstandingAdditional paid-in-capital
            
            
            614Deficit accumulated during development stage
            
            
            (38,884
            )Total
                shareholders' deficit
            
            $
            (36,460
            )Total
                liabilities and shareholders deficit
            
            $
            19,125


See accompanying notes to unaudited financial statements


*-
          3
          -*




**Across
          America Financial Services, Inc.**
 **(A
          Development Stage Company)**  **Statements
          of Operations**


**(unaudited)**


December
                  1,2005(Inception)Three
                  Months Ended
              
              ThroughMarch
                  31,
              
              March
                  31,2007
              
              2006
              
              2007Operating
                  expenses:Selling, general and administrative
              
              $
              38,335
              
              $
              -
              
              $
              38,835Total
                  operating expenses
              
              
              38,335
              
              
              -
              
              
              38,835Loss
                  from operations
              
              
              (38,335
              )
              
              -
              
              
              (38,835
              )Non-operating
                  expense:Interest expense, related party (note 3)
              
              
              (49
              )
              
              -
              
              
              (49
              )Loss
                  before income taxes
              
              
              (38,384
              )
              
              -
              
              
              (38,884
              )Net
                  loss
              
              $
              (38,384
              )
              $
              -
              
              $
              (38,884
              )Basic
                  and diluted loss per share
              
              $
              (0.02
              )
              $
              -Basic
                  and diluted weighted average commonshares
                  outstanding
              
              
              2,000,000
              
              
              -







*-
          4
          -*




**Across
          America Financial Services, Inc.**
 **(A
          Development Stage Company)**
 Statements
          of Cash Flows


(Unaudited)







**December
                1,****2005****(Inception)****Three
                Months Ended**
            
            **Through****March
                31,**
            
            **March
                31,****2007**
            
            **2006**
            
            **2007**Cash
                flows from operating activities:Net
                loss
            
            $
            (38,384
            )
            $
            -
            
            $
            (38,884
            )Adjustments
                to reconcile net loss to net cash used by operating
                activities:Warrant expense (note 5)
            
            
            424
            
            
            -
            
            
            424Changes in operating assets and operating liabilities:Accounts payable and accrued liabilities
            
            
            15,085
            
            
            -
            
            
            15,585Net cash (used in) operating activities
            
            
            (22,875
            )
            
            -
            
            
            (22,875
            )Cash
                flows from investing activities:Payment of deposits
            
            
            (3,791
            )
            
            -
            
            
            (3,791
            )Net cash (used in) investing activities
            
            
            (3,791
            )
            
            -
            
            
            (3,791
            )Cash
                flows from financing activities:Proceeds from sale of common stock
            
            
            —
            
            
            -
            
            
            2,000Proceeds from note payable, related party (note 3)
            
            
            40,000
            
            
            -
            
            
            40,000Net cash provided by financing activities
            
            
            40,000
            
            
            -
            
            
            42,000Net change in cash
            
            
            13,334
            
            
            -
            
            
            15,334Cash
                and cash equivalents, beginning of period
            
            
            2,000
            
            
            -
            
            
            -Cash
                and cash equivalents, end of period
            
            $
            15,334
            
            $
            -
            
            $
            15,334Supplemental
                disclosure of cash flow information:Cash paid during the period for:Income taxes
            
            $
            -
            
            $
            -
            
            $
            -Interest
            
            $
            -
            
            $
            -
            
            $
            -








*-
          5
          -*




**Across
        America Financial Services, Inc.**
 (A
        Development Stage Company)
 **Statement
        of Changes in Shareholders' Deficit**
 for
        the
        quarter ended March 31, 2007
  Preferred
                  Stock
              
              Common
                  Stock
              
              AdditionalPar
              
              
              
              Par
              
              Paid-in
              
              RetainedShares
              
              Value
              
              Shares
              
              Value
              
              Captial
              
              Earnings
              
              TotalBalance
                  at December 31, 2006
              
              
              -
              
              $
              -
              
              
              2,000,000
              
              $
              2,000
              
              $
              -
              
              $
              (500
              )
              $
              1,500January
                  12, 2007 Warrant expense (note 5)
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              424
              
              
              -
              
              
              424March
                  22, 2007 - AARD Spin Off (note 4)
              
              
              -
              
              
              -
              
              
              (189,524
              )
              
              (190
              )
              
              190
              
              
              -
              
              
              -Net
                  loss, quarter endedMarch
                  31, 2007
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              (38,384
              )
              
              (38,384
              )Balance
                  at March 31, 2007
              
              
              -
              
              $
              -
              
              
              1,810,476
              
              
              1,810
              
              $
              614
              
              $
              (38,884
              )
              $
              (36,460
              )









*-
          6
          -*





**Across
          America Financial Services, Inc.**
 **(A
        Development Stage Company)**
 **Notes
        to Financial Statements**
   **(1)
        Nature of Organization and Summary of Significant Accounting
        Policies**
 
  ***Nature
          of Organization and Basis of Presentation***
 Across
          America Financial Services, Inc. (the “Company”) was incorporated in the state
          of Colorado on December 1, 2005 and was formerly a wholly-owned subsidiary
          of
          Across America Real Estate Corp. (“AARD”).  The Company commenced
          operations on November 9, 2006, after the approval of its business
          plan.
 
 The
          Company is a development stage enterprise in accordance with Statement
          of
          Financial Accounting Standards (“SFAS”) No. 7, “Accounting and Reporting by
          Development Stage Enterprises”. The Company was organized to provide a
          nationwide, mortgage commercial brokerage operation. The Company plans
          to
          incorporate traditional mortgage brokering with a web-based, automated
          underwriting system which allows clientele to process loan applications
          twenty-four hours a day, seven days a week.
 
 The
          accompanying interim financial statements have been prepared pursuant to
          the
          rules of the Securities and Exchange Commission (the "SEC") for quarterly
          reports on Form 10-QSB and do not include all of the information and note
          disclosures required by generally accepted accounting principles. These
          financial statements and notes herein are unaudited, but in the opinion
          of
          management, include all the adjustments (consisting only of normal recurring
          adjustments) necessary for a fair presentation of the Company’s financial
          position, results of operations, and cash flows for the periods presented.
          These
          financial statements should be read in conjunction with the Company's audited
          financial statements and notes thereto included in the Company’s Form 10-KSB for
          the year ended December 31, 2006 as filed with the SEC. Interim operating
          results are not necessarily indicative of operating results for any future
          interim period or for the full year.
   was
        formerly a
        wholly-owned subsidiary of Across America Real Estate Corp. (“AARD”). The
        Company commenced operations on November 9, 2006, after the approval of its
        business plan.
 
 The
        Company is a development stage enterprise in accordance with Statement of
        Financial Accounting Standards (“SFAS”) No. 7, “Accounting and Reporting by
        Development Stage Enterprises”.
 
 The
        accompanying interim financial statements have been prepared pursuant to
        the
        rules of the Securities and Exchange Commission (the "SEC") for quarterly
        reports on Form 10-QSB and do not include all of the information and note
        disclosures required by generally accepted accounting principles. These
        financial statements and notes herein are unaudited, but in the opinion of
        management, include all the adjustments (consisting only of normal recurring
        adjustments) necessary for a fair presentation of the Company’s financial
        position, results of operations, and cash flows for the periods presented.
        These
        financial statements should be read in conjunction with the Company's audited
        financial statements and notes thereto included in the Company’s Form 10-KSB for
        the year ended December 31, 2006 as filed with the SEC. Interim operating
        results are not necessarily indicative of operating results for any future
        interim period or for the full year.
 
 
 ***(2)
        Income Taxes***
 The
          Company records its income taxes in accordance with SFAS No. 109, “Accounting
          for Income Taxes”. The Company incurred net operating losses during all periods
          presented resulting in a deferred tax asset, which was fully allowed for;
          therefore, the net benefit and expense resulted in $-0- income
          taxes.
 *-
            7
            -*
 **Across
            America Financial Services, Inc.**
 **(A
          Development Stage Company)**
 **Notes
          to Financial Statements**
   **(3)
          Related Party Transactions**
 
 ***Promissory
          Note and Warrants***
 In
          January 2007, Safe Harbor I, LLC., formerly known as Safe Harbor Business
          Development Company (“Safe Harbor”), a related party controlled by the Company’s
          president, agreed to provide the Company operating capital in the form
          of a loan
          of $250,000. This loan is evidenced by an unsecured promissory note dated
          January 12, 2007. The note carries a 15% interest rate and matures on January
          12, 2008. The Company may extend the maturity date by one year upon payment
          of a
          renewal fee equal to 1.5% of the then outstanding principal balance due.
          Interest payments are due every 90 days and any payments not received by
          the due
          date will incur a default interest rate of 24%.
  In
          addition, on January 12, 2007, the Company issued Safe Harbor warrants
          to
          purchase 200,000 shares of the Company’s common stock at a price of $.01 per
          share. The warrants expire five years from the date of
          issuance.
 As
        of
        March 31, 2007 our total outstanding principal and interest due to our notes
        payable is as follows:
 For
                    the quarterEndingMarch
                    31, 2007Principal
                
                $
                40,000Interest
                
                
                49$
                40,049
  *-
            8
            -*
 **Across
            America Financial Services, Inc.**
 **(A
          Development Stage Company)**
 **Notes
          to Financial Statements**
   **(4)
          Stockholders’ Equity**
 On
          January 10, 2007, the directors of Across America Real Estate Corp. (“AARD“)
          approved, subject to the effectiveness of a registration with the Securities
          and
          Exchange Commission, a spin off to its shareholders of record as of March
          1,
          2007 (the “Record Date”), on a pro rata basis, with one share each of Financial
          Services to be issued for each ten shares issued and outstanding of common
          stock
          or common stock upon conversion of AARD preferred stock owned by such AARD
          shareholders as of the Record Date. Since AARD’s business is related to the
          proposed activities of Financial Services, the AARD directors decided it
          was in
          the best interest of AARD and Financial Services and AARD’s shareholders to
          spin-off Financial Services to minimize any potential of conflict of
          interest.
 The
          spin
          off was completed on March 21, 2007. As of March 31, 2007 the total shares
          issued and outstanding is 1,810,476. The remaining 189,524 shares after
          the
          spin-off were cancelled and the par value of those shares is reflected
          in
          additional paid-in capital in the amount of $190.
   **(5)
        Warrant Expense**
 On
          January 12, 2007, the Company issued Safe Harbor warrants to purchase 200,000
          shares of the Company’s common stock at a price of $.01 per share. The warrants
          expire five years from the date of issuance.
  The
          fair
          value of the each warrant was calculated on the grant date of January 12,
          2007
          using the Black-Scholes model and was valued at $0.0021 using the following
          assumptions and inputs:
  Quarter
                      Ended
                    March
                      31,2007Risk
                      free interest rate
                  
                  
                  4.76
                  %Expected
                      life
                  
                  
                  5.0Dividend
                      yield
                  
                  
                  0.00
                  %Expected
                      volatility
                  
                  
                  0.00
                  %Fair
                      Value
                  
                  $
                  0.0021
 There
            are
            a number of assumptions and estimates used in calculating the fair value
            of
            warrants. These include the expected term of the warrant, the expected
            volatility and the risk free interest rate. These assumptions are included
            in
            the charts above. The basis for our expected volatility and expected
            term
            estimates is a combination of our historical information. The risk-free
            interest
            rate is based upon yields of U.S. Treasury strips with terms equal to
            the
            expected life of the warrants or award being valued. Across America Financial
            Services, Inc. does not currently pay a dividend on its common stock
            , nor does
            the Company expect to pay a dividend on its common stock.
 
 We
            accrue
            the warrant expense in the period in which the warrants are issued. The
            total
            amount of compensation calculated for the full amount of warrants granted
            and
            accrued is $424. This expense was recorded in Selling, general and
            administrative on the Statements of Operations.
 
 Warrant
            activity through the quarter ended March 31, 2007 is summarized as
            follows:


Warrants
                    Outstanding
              
              Warrants
                  ExercisableNumber
                of
                  Warrants
              
              Weighted
                  Average Exercise Price
              
              Weighted
                  Remaining Contractual Term
              
              Aggregate
                  Intrinsic Value
              
              Shares
                  Exercisable
              
              Weighted
                  Average Exercise Price
              
              Weighted
                  Remaining Contractual Term
              
              Aggregate
                  Intrinsic ValueBalance
                  at December 31,2006
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -Activity
                  during 2007:Granted
              
              
              200,000
              
              
              0.01
              
              
              -
              
              
              -
              
              
              200,000
              
              
              0.01
              
              
              -
              
              
              -Expired/Cancelled
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -Forfeited
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -Exercised
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -
              
              
              -Balance,
                    at March 31,2007
              
              
              200,000
              
              
              0.01
              
              
              4.8
              
              
              -
              
              
              200,000
              
              
              0.01
              
              
              4.8
              
              
              -


*-
          9
          -*





**ITEM
        2.**  **MANAGEMENT’S
        DISCUSSION AND ANALYSIS AND PLAN OF OPERATION**
 
 The
        following discussion of our financial condition and results of operations
        should
        be read in conjunction with, and is qualified in its entirety by, the
        consolidated financial statements and notes thereto included in, Item 1 in
        this
        Quarterly Report on Form 10-QSB. This item contains forward-looking statements
        that involve risks and uncertainties. Actual results may differ materially
        from
        those indicated in such forward-looking statements.
 
 **Forward-Looking
        Statements**
  This
        Quarterly Report on Form 10-QSB and the documents incorporated herein by
        reference contain forward-looking statements that have been made pursuant
        to the
        provisions of the Private Securities Litigation Reform Act of 1995. Such
        forward-looking statements are based on current expectations, estimates,
        and
        projections about our industry, management beliefs, and certain assumptions
        made
        by our management. Words such as “anticipates”, “expects”, “intends”, “plans”,
“believes”, “seeks”, “estimates”, variations of such words, and similar
        expressions are intended to identify such forward-looking statements. These
        statements are not guarantees of future performance and are subject to certain
        risks, uncertainties, and assumptions that are difficult to predict; therefore,
        actual results may differ materially from those expressed or forecasted in
        any
        such forward-looking statements. Unless required by law, we undertake no
        obligation to update publicly any forward-looking statements, whether as
        a
        result of new information, future events, or otherwise. However, readers
        should
        carefully review the risk factors set forth herein and in other reports and
        documents that we file from time to time with the Securities and Exchange
        Commission, particularly the Report on Form 10-SB, and Annual Reports on
        Form
        10-KSB, Quarterly reports on Form 10-QSB and any Current Reports on Form
        8-K.
  **Risk
        Factors**
  You
        should carefully consider the risks and uncertainties described below; and
        all
        of the other information included in this document. Any of the following
        risks
        could materially adversely affect our business, financial condition or operating
        results and could negatively impact the value of your investment.
  *The
        occurrence of any of the following risks could materially and
        adversely*  *affect
        our business, financial condition and operating result. In this
        case,*  *the
        trading price of our common stock could decline and you might lose all
        or*  *part
        of your investment.*
 
 ***If
        we do not generate adequate revenues to finance our operations, our business
        may
        fail.***
  We
        have not generated revenues from our inception. As of March 31, 2006, we
        had a
        cash position of $15,334. Operating costs are expected to range between $30,000
        and $50,000, for the fiscal year ending December 31, 2007. These operating
        costs
        include insurance, taxes, utilities, maintenance, contract services and all
        other costs of operations. We will use contract employees who will be paid
        on a
        per transaction basis as each mortgage transaction is closed. However, the
        operating costs and expected revenue generation are difficult to predict.
        We
        expect to generate revenues in the next twelve months from mortgage brokerage
        services using referrals from AARD and unrelated individuals and entities
        that
        operate in the financial services business. Since there can be no assurances
        that revenues will be sufficient to cover operating costs for the foreseeable
        future, it may be necessary to raise additional funds. Due to our lack of
        operating history, raising additional funds may be difficult. In January,
        2007,
        an organization named Safe Harbor Business Development Company (“Safe Harbor”),
        which is affiliated with our President, Mr. Klemsz, and our largest shareholder,
        GDBA Investments, LLLP, agreed to provide operating capital in the form of
        a
        loan of $250,000 to cover operating expenses. This loan is evidenced by an
        unsecured promissory note which is due January 12, 2008, with a possible
        extension ending January 12, 2009. If we are unable to raise funds to cover
        any
        operating deficit after fiscal year ending January 12, 2009, our business
        may
        fail.
  *-
            10
            -*
  ***Because
        we had incurred a loss and have no current operations, our accountants have
        expressed doubts about our ability to continue as a going
        concern.***
 
 For
        the fiscal year ended December 31, 2006, our accountants have expressed doubt
        about our ability to continue as a going concern as a result of lack of history
        of operations, limited assets, and operating losses since inception. Our
        ability
        to achieve and maintain profitability and positive cash flow is dependent
        upon:
 
 ཉ
              our
                  ability to locate mortgage brokerage clients who will use our brokerage
                  services; and
 
 ཉ
              our
                  ability to generate revenues.
 
 Based
        upon current plans, we expect to incur operating losses in future periods
        because we will be incurring expenses and not generating sufficient
        revenues. We expect our operating costs to range between $30,000 and
        $50,000 for the fiscal year ending December 31, 2007. We cannot guarantee
        that we will be successful in generating sufficient revenues or other funds
        in
        the future to cover these operating costs. Failure to generate sufficient
        revenues will cause us to go out of business.
 
 ***The
        lack of a broker or dealer to create or maintain a market in our stock could
        adversely impact the price and liquidity of our
        securities.***
  We
        have no agreement with any broker or dealer to act as a market maker for
        our
        securities and there is no assurance that we will be successful in obtaining
        any
        market makers. Thus, no broker or dealer will have an incentive to make a
        market
        for our stock. The lack of a market maker for our securities could adversely
        influence the market for and price of our securities, as well as your ability
        to
        dispose of, or to obtain accurate information about, and/or quotations as
        to the
        price of, our securities.
  ***As
        our stock will not be listed on Nasdaq or another national exchange, trading
        in
        our shares will be subject to rules governing "penny stocks," which will
        impair
        trading activity in our shares.***
  As
        we do not intend to list our stock on Nasdaq or another national exchange,
        our
        stock will therefore be subject to rules adopted by the Commission regulating
        broker dealer practices in connection with transactions in "penny stocks."
        Those
        disclosure rules applicable to "penny stocks" require a broker dealer, prior
        to
        a transaction in a "penny stock" not otherwise exempt from the rules, to
        deliver
        a standardized list disclosure document prepared by the Commission. That
        disclosure document advises an investor that investment in "penny stocks"
        can be
        very risky and that the investor's salesperson or broker is not an impartial
        advisor but rather paid to sell the shares. The disclosure contains further
        warnings for the investor to exercise caution in connection with an investment
        in "penny stocks," to independently investigate the security, as well as
        the
        salesperson with whom the investor is working and to understand the risky
        nature
        of an investment in this security. The broker dealer must also provide the
        customer with certain other information and must make a special written
        determination that the "penny stock" is a suitable investment for the purchaser
        and receive the purchaser's written agreement to the transaction. Further,
        the
        rules require that, following the proposed transaction, the broker provide
        the
        customer with monthly account statements containing market information about
        the
        prices of the securities.
  These
        disclosure requirements may have the effect of reducing the level of trading
        activity in the secondary market for our common stock. Many brokers may be
        unwilling to engage in transactions in our common stock because of the added
        disclosure requirements, thereby making it more difficult for stockholders
        to
        dispose of their shares. You will also find it difficult to obtain accurate
        information about, and/or quotations as to the price of, our common stock.
  ***Issuances
        of our stock could dilute current shareholders and adversely affect the market
        price of our common stock, if a public trading market
        develops.***
  We
        have the authority to issue up to 50,000,000 shares of common stock, 1,000,000
        shares of preferred stock, and to issue options and warrants to purchase
        shares
        of our common stock without stockholder approval. Although no financing is
        planned currently, we may need to raise additional capital to fund operating
        losses. If we raise funds by issuing equity securities, our existing
        stockholders who receive shares in the spin-off may experience substantial
        dilution. In addition, we could issue large blocks of our common stock to
        fend
        off unwanted tender offers or hostile takeovers without further stockholder
        approval.
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  The
        issuance of preferred stock by our board of directors could adversely affect
        the
        rights of the holders of our common stock. An issuance of preferred stock
        could
        result in a class of outstanding securities that would have preferences with
        respect to voting rights and dividends and in liquidation over the common
        stock
        and could, upon conversion or otherwise, have all of the rights of our common
        stock. Our board of directors' authority to issue preferred stock could
        discourage potential takeover attempts or could delay or prevent a change
        in
        control through merger, tender offer, proxy contest or otherwise by making
        these
        attempts more difficult or costly to achieve.
 
 ***Colorado
        law and our Articles of Incorporation protect our directors from certain
        types
        of lawsuits, which could make it difficult for us to recover damages from
        them
        in the event of a lawsuit.***
  Colorado
        law provides that our directors will not be liable to our company or to our
        stockholders for monetary damages for all but certain types of conduct as
        directors. Our Articles of Incorporation require us to indemnify our directors
        and officers against all damages incurred in connection with our business
        to the
        fullest extent provided or allowed by law. The exculpation provisions may
        have
        the effect of preventing stockholders from recovering damages against our
        directors caused by their negligence, poor judgment or other circumstances.
        The
        indemnification provisions may require our company to use our assets to defend
        our directors and officers against claims, including claims arising out of
        their
        negligence, poor judgment, or other circumstances.
  ***We
        are Subject to Extensive Regulation.***
  Our
        proposed operations are subject to extensive regulation, supervision and
        licensing by federal, state and local governmental authorities and are subject
        to various laws and judicial and administrative decisions imposing requirements
        and restrictions on part or all of our operations. Our lending activities
        could
        be subject to the Federal Truth-in-Lending Act and Regulation Z (including
        the
        Home Ownership and Equity Protection Act of 1994), the Federal Equal Credit
        Opportunity Act, as amended, and Regulation B, the Fair Credit Reporting
        Act of
        1970, as amended, the Federal Real Estate Settlement Procedures Act and
        Regulation X, the Home Mortgage Disclosure Act, the Federal Debt Collection
        Practices Act and the National Housing Act of 1934, as well as other federal
        and
        state statutes and regulations affecting our activities.
  We
        are also subject to the rules and regulations of, and examinations by, state
        regulatory authorities with respect to originating and processing loans.
        These
        rules and regulations, among other things, impose licensing obligations on
        us,
        establish eligibility criteria for mortgage loans, prohibit discrimination,
        govern inspections and appraisals of properties and credit reports on loan
        applicants, collection, foreclosure and claims handling, investment and interest
        payments on escrow balances and payment features, mandate certain disclosures
        and notices to borrowers and, in some cases, fix maximum interest rates,
        fees
        and mortgage loan amounts. Failure to comply with these requirements can
        lead to
        loss of approved status, certain rights of rescission for mortgage loans,
        class
        action lawsuits and administrative enforcement action.
  ***Competition
        in the mortgage brokerage industry is intense.***
  Our business plan involves acting as a mortgage broker for commercial real
        estate transactions. This business is highly competitive. There are numerous
        similar companies providing such services in the United States of America.
        Our
        competitors will have greater financial resources and more expertise in this
        business. Our ability to develop our mortgage brokerage business will depend
        on
        our ability to successfully market our services in this highly competitive
        environment. We cannot guarantee that we will be able to do so
        successfully.
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            12
            -*
   ***The
        combined share control position of GDBA Investments, LLLP and Mr. Klemsz’s and
        his affiliates will limit the ability of other shareholders to influence
        corporate actions.***
  **** After
        distribution of our shares to the AARD shareholders, our largest shareholder,
        GDBA Investments, LLLP, an entity who our President, Mr. Klemsz is employed
        by,
        will own 1,178,144 shares and thereby control approximately 65% of our
        outstanding shares. Mr. Klemsz, through Sarmat, LLC and his family, will
        own
        314,000 shares, or approximately 17%. Because these entities together, and
        GDBA
        Investments, LLLP individually, will beneficially control more than a majority
        of the outstanding shares, other shareholders, individually or as a group,
        will
        be limited in their ability to effectively influence the election or removal
        of
        our directors, the supervision and management of our business or a change
        in
        control of or sale of our company, even if they believed such changes were
        in
        the best interest of our shareholders generally.
  ***Our
        future success depends, in large part, on the continued service of our President
        and our Secretary-Treasurer.***
  **** We
        depend
        almost entirely on the efforts and continued employment of Mr. Klemsz, our
        President and Secretary-Treasurer. Mr. Klemsz is our primary executive officer,
        and we will depend on him for nearly all aspects of our operations. In addition,
        Safe Harbor, an entity affiliated with Mr. Klemsz, is our only source of
        financing. We do not have an employment contract with Mr. Klemsz, and we
        do not carry key person insurance on the life of either. The loss of the
        services of Mr. Klemsz through incapacity or otherwise, would have a
        material adverse effect on our business. It would be very difficult find
        and retain qualified personnel such as Mr. Klemsz and a financing source
        to
        replace Safe Harbor.
  **Overview
        and History**
  We
        were formed under the laws of the State of Colorado on December 1, 2005.
        Until
        March 23, 2007, we were a wholly-owned subsidiary of Across America Real
        Estate
        Corp.(“AARD”). On
        January 10, 2007, the directors of AARD approved, subject to the effectiveness
        of a registration with the Securities and Exchange Commission, the pro rata
        spin-off of Financial Services to AARD shareholders of record on March 1,
        2007
        on a pro rata basis. Since AARD’s business is related to the proposed activities
        of Financial Services, the AARD directors decided it was in the best interest
        of
        AARD and Financial Services and AARD's shareholders to spin-off Financial
        Services to minimize any potential of conflict of interest.
  The
        shares of Financial Services were owned by AARD, who distributed our shares
        to
        the AARD shareholders on or about March 23, 2007.
 
 Our
        principal business address is 700 17 th Street,
        Suite 1200, Denver, Colorado 80202. We
        are a
        development stage company. Our
        development stage began when we approved our business plan on November 9,
        2006.
        Our plan is to act as a mortgage broker for commercial real estate transactions.
        We will focus on built-to-suit real estate projects for specific retailers.
        We
        will first attempt to establish an effective client lending base for which
        we
        can provide services. We plan to utilize our relationship with AARD for
        referrals and the expertise of third party independent contractors who we
        plan
        to hire to develop lending opportunities. Each contractor will be expected
        to
        utilize his previous contacts in business to develop potential opportunities.
 
 We
        have not
        been subject to any bankruptcy, receivership or similar proceeding.
  **Results
        of Operations**
  The
        following discussion involves our results of operations for the quarters
        ending
        March 31, 2007 and March 31, 2006. We had no revenues for the quarter ended
        March 31, 2007 or for the fiscal quarter ended March 31, 2006.
 
 We
        had no
        Cost of Sales during those periods.
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            13
            -*
  
 Selling, general and administrative costs were $38,335 for the quarter
          ended
          March 31, 2007, compared to $ -0- for the quarter ended March 31, 2006.
          Most of
          the costs were attributable professional fees relating to our recent public
          offering. We do not anticipate these professional fees to be as significant
          in
          the future. However we believe .that our selling, general and administrative
          costs will increase as we grow our business activities going
          forward.
 
 We
          had a net loss of $ 38,384 for the three months ended March 31, 2007 compared
          to
          a net loss of $ -0- for the three months ended March 31, 2006. The increased
          losses in each year over year period reflect higher start up costs to develop
          our business plan.
 
 **Liquidity
          and Capital Resources**
 
 Our
          cash balance on March 31, 2007 was $15,334. This compares to a cash balance
          of $
          -0- on March 31, 2006. Our plan is to act as a mortgage broker for commercial
          real estate transactions.  We will
          be dependent on our ability to market our services in order to generate
          revenue
          for our operations.
 
 We
          had $22,875 cash used in operating activities, $3,791 cash used in investing
          activities and $40,000 provided by financing activities for the three months
          ended March 31, 2007. We had no cash used in/provided by operating activities
          or
          used in/provided by financing activities or cash used in/provided by investing
          activities for the three months ended March 31, 2006. Management believes
          that
          this situation will change as we develop our business plan.
 Management
          continues to assess our capital resources in relation to its ability to
          fund
          continued operations on an ongoing basis. As such, management may seek
          to access
          the capital markets to raise additional capital through the issuance of
          additional equity, debt or a combination of both in order to fund our operations
          and growth.
  **Plan
        of Operation for December 31, 2006 to December 31, 2007**
 
 We
        intend to
        act as a mortgage broker for commercial real estate transactions. Our operating
        costs are expected to range between $30,000 and $50,000 for the fiscal year
        ending December 31, 2007. These operating costs include insurance, taxes,
        utilities, maintenance, contract services and all other costs of operations.
        However, the operating costs and expected revenue generation are difficult
        to
        predict. We expect to generate revenues in the next twelve months from mortgage
        brokerage services using referrals from AARD and unrelated individuals and
        entities that operate in the financial services business. Since there can
        be no
        assurances that revenues will be sufficient to cover operating costs for
        the
        foreseeable future, it may be necessary to raise additional funds. Due to
        our
        lack of operating history, raising additional funds may be difficult. In
        January, 2007, an organization named Safe Harbor I, LLC., formerly known
        as Safe
        Harbor Business Development Company (“Safe Harbor”), which is controlled by our
        largest shareholder, GDBA Investments, LLLP, agreed to provide operating
        capital
        in the form of a loan of $250,000 to cover operating expenses. This loan
        is
        evidenced by an unsecured promissory note which is due January 12, 2008,
        with a
        possible extension ending January 12, 2009. If we are unable to raise funds
        to
        cover any operating deficit after fiscal year ending January 12, 2009, our
        business may fail.
 
 We
        generated no revenues during the year ended December 31, 2006, and management
        does not anticipate any revenues until June, 2007, as contemplated by our
        business plan.
  **Seasonality**
  We
        do not
        expect that our business will be seasonal with nearly all revenue generated
        throughout the year. However, with our startup phase, we do not anticipate
        any
        material revenue until March, 2007.
 
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            14
            -*
  **Critical
        Accounting Policies**
 
 The
        preparation of consolidated financial statements in conformity with accounting
        principles generally accepted in the United States of America requires us
        to
        make a number of estimates and assumptions that affect the reported amounts
        of
        assets and liabilities and disclosure of contingent assets and liabilities
        at
        the date of the financial statements. Such estimates and assumptions affect
        the
        reported amounts of revenues and expenses during the reporting period. On
        an
        ongoing basis, we evaluate estimates and assumptions based upon historical
        experience and various other factors and circumstances. We believe our estimates
        and assumptions are reasonable in the circumstances; however, actual results
        may
        differ from these estimates under different future conditions.
 
 We
        believe that the estimates and assumptions that are most important to the
        portrayal of our financial condition and results of operations, in that they
        require subjective or complex judgments, form the basis for the accounting
        policies deemed to be most critical to us. These relate to bad debts, impairment
        of intangible assets and long lived assets, contractual adjustments to revenue,
        and contingencies and litigation. We believe estimates and assumptions related
        to these critical accounting policies are appropriate under the circumstances;
        however, should future events or occurrences result in unanticipated
        consequences, there could be a material impact on our future financial
        conditions or results of operations.
 
 **ITEM
        3. CONTROLS AND PROCEDURES**
 
 As
        of the
        end of the period covered by this report, based on an evaluation of our
        disclosure controls and procedures (as defined in Rules 13a -15(e) and
        15(d)-15(e) under the Exchange Act), our Chief Executive Officer and the
        Chief
        Financial Officer has concluded that our disclosure controls and procedures
        are
        effective to ensure that information required to be disclosed by us in our
        Exchange Act reports is recorded, processed, summarized, and reported within
        the
        applicable time periods specified by the SEC’s rules and forms.
 
 There
        were
        no changes in our internal controls over financial reporting that occurred
        during our most recent fiscal quarter that have materially affected, or are
        reasonably likely to materially affect, our internal control over financial
        reporting.
 
  **PART
        II. OTHER INFORMATION**
 
  **ITEM
        1. LEGAL PROCEEDINGS**
 
 There
        are
        no legal proceedings, to which we are a party, which could have a material
        adverse effect on our business, financial condition or operating
        results.
 
  **ITEM
        2. CHANGES IN SECURITIES**
 None
 
  **ITEM
        3. DEFAULTS UPON SENIOR SECURITIES**
 None
 
  **ITEM
        4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS**
 None
 
  **ITEM
        5. OTHER INFORMATION**
  None
 
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            15
            -*
  **ITEM
        6. EXHIBITS AND REPORTS ON FORM 8-K**
 
 Exhibits
 
 3.1
                Articles
                    of Incorporation *3.2
                Bylaws*4.1
                Warrant
                    dated January 23, 2007 for Safe Harbor Development
                    Company*10.1
                Promissory
                    Note dated January 23, 2007 with Safe Harbor Development
                    Company*31.1
                Certification
                    of Chief Executive Officer and Chief Financial Officer pursuant
                    to Rule
                    13a-14(a)/15(d)-14(a)32.1
                Certification
                    of Chief Executive Officer and Chief Financial Officer pursuant
                    to 18
                    U.S.C. Section 1350, as adopted pursuant to Section 906 of the
                    Sarbanes-Oxley Act of 2002
 *
          Previously filed under cover of Form SB-2 on March 2, 2007.
 
 Reports
        on Form 8-K
 
 We
        filed
        no under cover of Form 8-K for the fiscal quarter ended March 31, 2007.
  
 
 **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 thereunto
        duly authorized.
   **ACROSS
                  AMERICA FINANCIAL SERVICES, INC.,**
                a Colorado
                  corporationDate: MAY
                14, 2007
              By:
              /s/ Brian
                L. KlemszBrian
                  L. Klemsz, President, Chief Executive Officer,
                Chief
                  Financial Officer and Director
                (Principal
                  Executive,Accounting
                  and Financial Officer)





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