<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED BALANCE SHEET AS OF SEPTEMBER 30, 1999 AND RELATED
STATEMENTS OF OPERATIONS AND CASH FLOWS FOR THE NINE MONTH PERIOD ENDING
SEPTEMBER 30, 1999 OF ACCESS ANYTIME BANCORP, INC. AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,998
<INT-BEARING-DEPOSITS>                           3,393
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,521
<INVESTMENTS-CARRYING>                           5,130
<INVESTMENTS-MARKET>                             5,078
<LOANS>                                         98,553
<ALLOWANCE>                                        645
<TOTAL-ASSETS>                                 127,705
<DEPOSITS>                                     102,903
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                701
<LONG-TERM>                                     13,050
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            12
<OTHER-SE>                                      11,038
<TOTAL-LIABILITIES-AND-EQUITY>                 127,705
<INTEREST-LOAN>                                  5,568
<INTEREST-INVEST>                                  732
<INTEREST-OTHER>                                   214
<INTEREST-TOTAL>                                 6,514
<INTEREST-DEPOSIT>                               3,242
<INTEREST-EXPENSE>                               3,572
<INTEREST-INCOME-NET>                            2,941
<LOAN-LOSSES>                                      313
<SECURITIES-GAINS>                                 739
<EXPENSE-OTHER>                                  3,147
<INCOME-PRETAX>                                    968
<INCOME-PRE-EXTRAORDINARY>                       1,115
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,115
<EPS-BASIC>                                        .90
<EPS-DILUTED>                                      .88
<YIELD-ACTUAL>                                    7.37
<LOANS-NON>                                        266
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   835
<LOANS-PROBLEM>                                    835
<ALLOWANCE-OPEN>                                   601
<CHARGE-OFFS>                                      290
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                  645
<ALLOWANCE-DOMESTIC>                               645
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0