UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                  ------------

                                    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)              October 4, 2004


                        AMERICAN CHURCH MORTGAGE COMPANY
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               (Exact Name of Registrant as Specified in Charter)


          Minnesota                    33-87570                41-1793975
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(State or Other Jurisdiction of (Commission File Number)    (IRS Employer
        Incorporation)                                    Identification No.)


10237 Yellow Circle Drive, Minnetonka, MN                 55343
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(Address of Principal Executive Offices)                (Zip Code)


Registrant's telephone number, including area code          (952) 945-9455
                                                            --------------


                                        n/a
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      (Former Name or Former Address, if Changed Since Last Report)







Item 8.01  Other Events

The  Company  earlier  today filed a 424(b)(4)  prospectus  with  respect to its
Registration  Statement  on Form S-11  relating  to the  proposed  sale of up to
$23,000,000  of  the  Company's  Series  B  Investor  Certificates.  The  424(b)
prospectus was filed  prematurely in error. The  registration  statement has not
yet been  declared  effective and the 424(b) filing was made in error and should
be disregarded. An appropriate filing will be made at a later time.

                                   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.


                        AMERICAN CHURCH MORTGAGE COMPANY



Date: October 4, 2004                              By    /s/ Philip J. Myers
                                                         -------------------
                                                             Philip J. Myers
                                                             Its   President