**Exhibit 31.2**

 

SECTION 302 CERTIFICATION BY CHIEF FINANCIAL OFFICER

 

I, Ken Huey, Jr.,President and Chief Financial Officer of Access Anytime Bancorp, Inc., certifythat:

 

1.                                       Ihave reviewed this annual report on Form 10-KSB of Access Anytime Bancorp, Inc.;

 

2.                                       Basedon my knowledge, this report does not contain any untrue statement of amaterial fact or omit to state a material fact necessary to make the statementsmade, in light of the circumstances under which such statements were made, notmisleading with respect to the period covered by this report;

 

3.                                       Basedon my knowledge, the financial statements, and other financial informationincluded in this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the small business issuer asof, and for, the periods presented in this report;

 

4.                                       Thesmall business issuer’s other certifying officer and I are responsible forestablishing and maintaining disclosure controls and procedures (as defined inExchange Act Rules 13a-15(e) and 15d-15(e)) for the small business issuer andhave:

 

e)              Designed suchdisclosure 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 quarterly reportis being prepared;

 

f)                *This item intentionally omitted;*

 

g)             Evaluated theeffectiveness of the small business issuer’s disclosure controls and proceduresand presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and

 

h)             Disclosed in this reportany change in the small business issuer’s internal control over financialreporting that occurred during the small business issuer’s most recent fiscalquarter (the small business issuer’s fourth fiscal quarter) that has materiallyaffected, or is reasonably likely to materially affect, the small businessissuer’s internal control over financial reporting; and

 

5.                                       Thesmall business issuer’s other certifying officer and I have disclosed, based onour most recent evaluation of internal control over financial reporting, to thesmall business issuer’s auditors and the audit committee of the small businessissuer’s board of directors:

 

c)              All significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the small business issuer’s ability to record, process, summarize andreport financial information; and

 

d)             Any fraud, whether ornot material, that involves management or other employees who have a significantrole in the small business issuer’s internal control over financial reporting.

 
| Date: March 2, 2005 | /s/ Ken Huey, Jr.                              |   |
|--------------------------|------------------------------------------------|--------|
|                     | Ken Huey, Jr., Chief Financial Officer,        |
|                     | Director                                       |
|                     | *(Principal Financial and Accounting Officer)* |

 

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