<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 1999 AND RELATED
STATEMENTS OF OPERATIONS AND CASH FLOWS FOR THE SIX MONTH PERIOD ENDING
JUNE 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           5,822
<INT-BEARING-DEPOSITS>                           3,594
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,129
<INVESTMENTS-CARRYING>                           6,030
<INVESTMENTS-MARKET>                             5,961
<LOANS>                                         94,891
<ALLOWANCE>                                        641
<TOTAL-ASSETS>                                 127,056
<DEPOSITS>                                     108,568
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                524
<LONG-TERM>                                      7,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            12
<OTHER-SE>                                      10,702
<TOTAL-LIABILITIES-AND-EQUITY>                 127,056
<INTEREST-LOAN>                                  3,666
<INTEREST-INVEST>                                  509
<INTEREST-OTHER>                                   142
<INTEREST-TOTAL>                                 4,317
<INTEREST-DEPOSIT>                               2,201
<INTEREST-EXPENSE>                               2,413
<INTEREST-INCOME-NET>                            1,904
<LOAN-LOSSES>                                      174
<SECURITIES-GAINS>                                 739
<EXPENSE-OTHER>                                  2,169
<INCOME-PRETAX>                                    761
<INCOME-PRE-EXTRAORDINARY>                         761
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       820
<EPS-BASIC>                                       0.66
<EPS-DILUTED>                                     0.65
<YIELD-ACTUAL>                                    7.21
<LOANS-NON>                                        357
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   565
<LOANS-PROBLEM>                                    565
<ALLOWANCE-OPEN>                                   601
<CHARGE-OFFS>                                      150
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                  641
<ALLOWANCE-DOMESTIC>                               641
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0