**Exhibit31.2**

 

CERTIFICATION PURSUANT TO

EXCHANGE ACT RULE 13A-14AND 15D-14,

AS ADOPTED PURSUANT TO

SECTION 302 OF THESARBANES-OXLEY ACT OF 2002

 

I, Ken Huey, Jr., certify that:

 

1.             I have reviewed this annual report on Form 10-KSB ofAccess Anytime Bancorp, Inc.;

 

2.             Based on my knowledge, this report does not contain anyuntrue statement of a material fact or omit to state a material fact necessaryto make the statements made, in light of the circumstances under which suchstatements were made, not misleading with respect to the period covered by thisreport;

 

3.             Based on my knowledge, the financial statements, andother financial information included in this report, fairly present in allmaterial respects the financial condition, results of operations and cash flowsof the small business issuer as of, and for, the periods presented in thisreport;

 

4.             The small business issuer’s other certifying officer andI are responsible for establishing and maintaining disclosure controls andprocedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for thesmall business issuer and have:

 

a)              Designedsuch disclosure controls and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that material informationrelating to the small business issuer, including its consolidated subsidiaries,is made known  to us by others withinthose entities, particularly during the period in which this report is beingprepared;

 

b)             Evaluatedthe effectiveness of the small business issuer’s disclosure controls andprocedures and presented in this report our conclusions about the effectivenessof the disclosure controls and procedures, as of the end of the period coveredby this report based on such evaluation; and

 

c)              Disclosedin this report any change in the small business issuer’s internal control overfinancial reporting that occurred during the small business issuer’s mostrecent fiscal quarter (the small business issuer’s fourth fiscal quarter in thecase of an report) that has materially affected, or is reasonably likely tomaterially affect, the small business issuer’s internal control over financialreporting; and

 

5.             The small business issuer’s other certifying officer andI have disclosed, based on our most recent evaluation of internal control overfinancial reporting, to the small business issuer’s auditors and the auditcommittee of the small business issuer’s board of directors:

 

a)              Allsignificant deficiencies and material weaknesses in the design or operation ofinternal control over financial reporting which are reasonably likely toadversely affect the small business issuer’s ability to record, process,summarize and report financial information; and

 

b)             Anyfraud, whether or not material, that involves management or other employees whohave a significant role in the small business issuer’s internal control overfinancial reporting.

 
|   | Date:  February 26, 2004                   | /s/ Ken Huey, Jr. |
|--------|-------------------------------------------------|-------------------|
|   | Ken Huey, Jr.,  Chief Financial Officer         |
|   | Director                                        |
|   | *(Principal  Financial and  Accounting Officer* |

 

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