EXHIBIT 99.1

FOR IMMEDIATE RELEASE:

  FIRST NATIONAL BANK HOLDING COMPANY AND ACCESS ANYTIME BANCORP, INC. ANNOUNCE
                                     MERGER

SCOTTSDALE, ARIZONA/ALBUQUERQUE, NEW MEXICO (July 21, 2003) - First National
Bank Holding Company, parent company of First National Bank of Arizona and First
National Bank of Nevada, and Access Anytime BanCorp, Inc. (Nasdaq SmallCap:
AABC), parent company of FirstBank, jointly announced today that they have
entered into a definitive agreement providing for the merger of Access Anytime
BanCorp with and into First National Bank Holding Company, pending satisfactory
completion of due diligence by First National Bank Holding Company by August 15,
2003, regulatory approval and approval by the Access Anytime BanCorp
stockholders.

At March 31, 2003, First National Bank Holding Company had assets of $1.38
billion and Access Anytime BanCorp had $196.7 million in assets. The transaction
is expected to be completed in the third quarter of 2003.

Pursuant to the merger agreement, stockholders of Access Anytime BanCorp will
receive $14.49 in cash for each share of common stock of Access Anytime BanCorp.
The purchase price represents approximately a 42% premium over the $10.20
closing market price of the Access Anytime BanCorp's common stock on Monday,
July 21, 2003. The transaction has a total cash value on a fully diluted basis
of approximately $22 million, inclusive of amounts payable to holders of stock
options and other rights to acquire Access Anytime BanCorp common stock.

First National Bank Holding Company was founded in 1998, and has owned its two
bank subsidiaries, First National Bank of Arizona and First National Bank of
Nevada, since 1999 and 1998, respectively. First National Bank of Arizona
currently has 20 bank branches located Arizona. First National Bank of Nevada
currently has 13 bank branches located in Nevada.

FirstBank, headquartered in Clovis, New Mexico, currently has eight locations
located throughout New Mexico: four in Albuquerque, two in Clovis, one in
Gallup, and one in Portales. Customers of FirstBank will benefit from access to
a broader range of products and services and an expanded network of banking
facilities offered by First National Bank of Arizona and First National Bank of
Nevada.

Raymond A. Lamb, Chairman and Chief Executive Officer of First National Bank
Holding Company, stated, "We are very pleased to announce this merger with
Access Anytime BanCorp. This transaction provides First National Bank Holding
Company with an opportunity to expand into an adjacent and attractive market
area. With the acquisition of Access Anytime BanCorp we will now be well
positioned to pursue other growth opportunities. We look forward to welcoming
FirstBank's customers and employees."

Norman R. Corzine, Chairman and Chief Executive Officer of Access Anytime
BanCorp, stated, "We believe that this transaction will benefit our
shareholders, customers, employees and community. Now that we will be part of a
larger organization, our customers can expect us to offer additional banking
products and services and our employees will have the opportunity to grow and
prosper as part of a larger community bank with a similar customer service
philosophy. As part of First National Bank Holding Company, we will be in a
stronger competitive position in the years ahead."

When the acquisition is completed, First National Bank Holding Company will have
assets of approximately $1.64 billion and 41 full service banking centers
located in three southwestern states.



For further information, please contact: Norman R. Corzine, Chairman and Chief
Executive Officer, Access Anytime BanCorp, Inc. at (505) 299-0900 or Raymond A.
Lamb, Chairman and Chief Executive Officer, First National Bank Holding Company
at (480) 609-5500.

Forward-Looking Statements

This news release contains certain forward-looking statements (within the
meaning of Section 21E of the Securities Exchange Act of 1934, as amended) about
the proposed merger of First National Bank Holding Company and Access Anytime
BanCorp. First National Bank Holding Company and Access Anytime BanCorp intend
such forward-looking statements to be covered by the safe harbor provisions for
forward-looking statements contained in the Private Securities Litigation Reform
Act of 1995, and are including this statement for purposes of invoking those
safe harbor provisions. These statements include statements regarding the
anticipated closing date of the transaction, anticipated cost savings, and
anticipated future results. The companies undertake no obligation to update
these forward-looking statements in the future. Forward-looking statements can
be identified by the fact that they do not relate strictly to historical or
current facts. They often include words like "believe," "expect," "anticipate,"
"estimate," and "intend" or future or conditional verbs such as "will," "would,"
"should," "could" or "may." Certain factors that could cause actual results to
differ materially from expected results include delays in completing the merger,
difficulties in achieving cost savings from the merger or in achieving such cost
savings within the expected time frame, difficulties in integrating First
National Bank Holding Company and Access Anytime BanCorp, increased competitive
pressures, changes in the interest rate environment, changes in general economic
and political conditions, legislative and regulatory changes that adversely
affect the business in which First National Bank Holding Company and Access
Anytime BanCorp are engaged, and changes in the securities markets. These risks
and uncertainties should be considered in evaluating forward-looking statements
and undue reliance should not be placed on such statements.

Additional Information About the Merger and Where to Find It

Stockholders of Access Anytime BanCorp and other investors are urged to read the
proxy statement that Access Anytime BanCorp will file with the Securities and
Exchange Commission ("SEC") in connection with the proposed merger because it
will contain important information about Access Anytime BanCorp, the merger, the
persons soliciting proxies in the merger and their interests in the merger and
related matters. Investors will be able to obtain the proxy statement and all
other documents filed with the SEC by Access Anytime BanCorp free of charge at
the SEC's website, www.sec.gov. In addition, documents filed with the SEC by
Access Anytime BanCorp will be available free of charge from Kathy Allenberg,
Corporate Secretary, Access Anytime BanCorp, Inc. at PO Box 16810, Albuquerque,
New Mexico 87191-6810, telephone (505) 299-0900. Stockholders of Access Anytime
BanCorp should read the proxy statement carefully before making a decision
concerning the merger.

Access Anytime BanCorp and its directors and executive officers may be deemed to
be participants in the solicitation of proxies from Access Anytime BanCorp's
stockholders to approve the merger. Information about the directors and
executive officers of Access Anytime BanCorp and their ownership of Access
Anytime BanCorp's common stock is set forth in Access Anytime BanCorp's proxy
statement for its 2003 annual meeting of stockholders, as filed with the SEC on
March 18, 2003, which is available as described in the preceding paragraph.