<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED BALANCE SHEET AS OF MARCH 31, 1999 AND RELATED STATEMENTS
OF OPERATIONS AND CASH FLOWS FOR THE THREE MONTH PERIOD ENDING MARCH 31, 1999 OF
ACCESS ANYTIME BANCORP, INC. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           6,482
<INT-BEARING-DEPOSITS>                           1,490
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,687
<INVESTMENTS-CARRYING>                           6,752
<INVESTMENTS-MARKET>                             6,716
<LOANS>                                         91,122
<ALLOWANCE>                                        701
<TOTAL-ASSETS>                                 127,612
<DEPOSITS>                                     107,755
<SHORT-TERM>                                     1,600
<LIABILITIES-OTHER>                                562
<LONG-TERM>                                      7,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            12
<OTHER-SE>                                      10,433
<TOTAL-LIABILITIES-AND-EQUITY>                 127,612
<INTEREST-LOAN>                                  1,837
<INTEREST-INVEST>                                  264
<INTEREST-OTHER>                                    52
<INTEREST-TOTAL>                                 2,153
<INTEREST-DEPOSIT>                               1,091
<INTEREST-EXPENSE>                               1,204
<INTEREST-INCOME-NET>                              949
<LOAN-LOSSES>                                      134
<SECURITIES-GAINS>                                 739
<EXPENSE-OTHER>                                  1,154
<INCOME-PRETAX>                                    575
<INCOME-PRE-EXTRAORDINARY>                         538
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       538
<EPS-PRIMARY>                                     0.44
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    7.75
<LOANS-NON>                                        366
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   579
<LOANS-PROBLEM>                                    579
<ALLOWANCE-OPEN>                                   601
<CHARGE-OFFS>                                       47
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  701
<ALLOWANCE-DOMESTIC>                               701
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0