**Exhibit 31.1**

 

CERTIFICATION PURSUANT TOEXCHANGE ACT RULE 13A-14 AND 15D-14,AS ADOPTED PURSUANT TOSECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

 

I, Norman R.Corzine, certify that:

 

1.             I have reviewed this quarterlyreport on Form 10-QSB of Access Anytime Bancorp, Inc.;

 

2.             Based on my knowledge, thisquarterly report does not contain any untrue statement of a material fact oromit to state a material fact necessary to make the statements made, in lightof the circumstances under which such statements were made, not misleading withrespect to the period covered by this quarterly report;

 

3.             Based on my knowledge, thefinancial statements, and other financial information included in thisquarterly report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, andfor, the periods presented in this quarterly report;

 

4.             The registrant’s other certifyingofficer and I are responsible for establishing and maintaining disclosurecontrols and procedures (as defined in Exchange Act Rules 13a-15(e) and15d-15(e)) for the registrant and have:

 

a)              Designed such disclosure controls and procedures, orcaused such disclosure controls and procedures to be designed under oursupervision, to ensure that material information relating to the registrant,including its consolidated subsidiaries, is made known  to us by others within those entities,particularly during the period in which this quarterly report is being prepared;

 

b)             Evaluated the effectiveness of the registrant’sdisclosure controls and procedures and presented in this report our conclusionsabout the effectiveness of the disclosure controls and procedures, as of theend of the period covered by this report based on such evaluation; and

 

c)              Disclosed in this report any change in theregistrant’s internal control over financial reporting that occurred during theregistrant’s most recent fiscal quarter (the registrant’s fourth fiscal in thecase of an annual report) that has materially affected, or is reasonably likelyto materially affect, the registrant’s internal control over financialreporting; and

 

5.             The registrant’s other certifyingofficer and I have disclosed, based on our most recent evaluation of internalcontrol over financial reporting, to the registrant’s auditors and the auditcommittee of the registrant’s board of directors (or persons performing theequivalent functions):

 

a)              All significant deficiencies and material weaknessesin the design or operation of internal control over financial reporting whichare reasonably likely to adversely affect the registrant’s ability to record,process, summarize and report financial information; and

 

b)             Any fraud, whether or not material, that involvesmanagement or other employees who have a significant role in the registrant’sinternal control over financial reporting.

 

 
|     | Date:  August 12, 2004 |     | /s/ Norman R. Corzine                      |
|----------|-----------------------------|----------|--------------------------------------------|
|     |                        |     | Norman  R. Corzine, Chairman of the Board, |
|     |                        |     | Chief  Executive Officer                   |
| * * | * *                    | * * | *(Principal Executive Officer)*            |

 

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