Nokesville,
I only have 5 acres and my 24 HP JD is as small as I'd possibly go. I'd recommend looking at say a TC30 New Holland "economy" line vs. boomers. That's a nice tractor and I had several good prices quoted to me on that unit. I was dead set on purchasing the Kubota B7500 (quoted about $14,000 for the tractor, PHD and Box Blade) but somehow was able to come up with a slightly used machine (JD 855) for quite a bit less and some attachments on top of that. I'm very happy with my used machine although some folks won't try that route.
One piece of advice (you'll probably hear this again and again) do not give up the loader. That is by far the most used implement for those of us that have them. Check out one of the discussions by doing a search on "most used implement" or something along those lines. I think Hazmat started it /forums/images/graemlins/confused.gif The loader not only moves dirt, gravel, compost, plants, etc. but it also completely replaces your need for a wheelbarrow /forums/images/graemlins/smile.gif