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                                 EXHIBIT 10.3.2

                                  AMENDMENT #2
        TO THE FIRSTBANK PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN

          WHEREAS, Section 13.1[b] of the FirstBank Profit Sharing and Employee
Stock Ownership Plan (the "Plan") provides the Company with the power and right
to amend the Plan;

          WHEREAS, the Company now desires to amend the Plan in accordance with
the Uruguay Round Agreements Act (GATT), the Small Business Job Protection Act
of 1996 (SBJPA), the Uniformed Services Employment and Reemployment Rights Act
of 1994 (USERRA), the Taxpayer Relief Act of 1997, and the Internal Revenue
Service Restructuring and Reform Act of 1998 (RRA) (collectively referred to as
"GUST") as follows:

          NOW THEREFORE, the Company hereby amends the Plan by the adoption of
the following amendments:

          1. THE FOLLOWING HEREBY IS ADDED TO THE END OF SECTION 2.8:

          For limitation years beginning on and after January 1, 2001, for
          purposes of applying the limitations described in Section 6.1[c] of
          the Plan, compensation paid or made available during such limitation
          years shall include elective amounts that are not includible in the
          gross income of the employee by reason of Code Section 132(f)(4)
          (qualified transportation benefits). This amendment shall also apply
          to include elective deferrals for qualified transportation expenses in
          the definition of compensation for purposes of Section 2.8 of the Plan
          for plan years beginning on and after January 1, 2001.

          2. SECTION 2.18 IS REPLACED TO READ IN ITS ENTIRETY AS FOLLOWS:

          2.18 "LEASED EMPLOYEE" means for Plan Years beginning after December
          31, 1996, any person (other than an Employee of the Company) who has
          performed services for the Company (or for the Company and related
          persons as determined under Code Section 414(n)(6)) under an agreement
          between the Company and the leasing organization on a substantially
          full-time basis for a period of at least one year and the services are
          performed under the primary direction or control of the Company. Any
          Leased Employee will be treated as an employee of the Company for
          purposes of this Plan and any contributions or benefits provided by
          the leasing organizations that are attributable to the services
          performed for the Company will be treated as provided under a plan
          maintained by the Company, provided, however, that a Leased Employee
          will not be treated as employed by the Company if the Leased Employee
          is covered by a money purchase pension plan maintained by the leasing
          organization that provides [a] a nonintegrated employer contribution
          of at least 10% of

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          compensation, as defined in Code Section 415(c)(3), including amounts
          contributed pursuant to a salary reduction agreement that are
          excludable from the employee's gross income under Code Sections 125,
          402(e)(3), 402(h)(1)(B) or 403(b); [b] immediate participation (unless
          the individual has had compensation of less than $1,000 in each of the
          preceding four plan years ending with the current Plan Year); and [c]
          full and immediate vesting. In addition, Leased Employees may not
          constitute more than 20 percent of the leasing organization's
          non-Highly Compensated Employees.

          3. THE FOLLOWING PARAGRAPH HEREBY IS ADDED TO THE END OF SECTION
8.7[a][5]:

          With respect to distributions under the Plan made in calendar years
          beginning on or after January 1, 2001, the Plan will apply the minimum
          distribution requirements of Section 401(a)(9) of the Internal Revenue
          Code in accordance with the regulations under Section 401(a)(9) that
          were proposed in January 2001, notwithstanding any provision of the
          Plan to the contrary. This amendment shall continue in effect until
          the end of the last calendar beginning before the effective date of
          final regulations under Section 401(a)(9) or such other date specified
          in guidance published by the Internal Revenue Service.

          4. SECTIONS 7.4[b][1] AND 7.4[b][2] ARE EFFECTIVE ONLY FOR PLAN YEARS
BEGINNING BEFORE JANUARY 1, 2000.

          5. THE FOLLOWING HEREBY IS ADDED TO THE END OF 8.7[b][1].

          ; and [iv] any hardship distribution described in Code Section
          401(k)(2)(B)(i)(IV) received after December 31, 1998.

          6. ANY OTHER PROVISIONS OF THE GUST LAWS WHICH ARE REQUIRED TO BE
INCORPORATED INTO THIS PLAN HEREBY ARE INCORPORATED BY REFERENCE.

          7. ANY INCONSISTENT PROVISIONS OF THE PLAN SHALL BE READ CONSISTENT
WITH THIS AMENDMENT.

          8. EXCEPT AS AMENDED ABOVE, THE COMPANY HEREBY AFFIRMS AND READOPTS
EACH AND EVERY OTHER PROVISION OF THE PLAN.

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          IN WITNESS WHEREOF, this Amendment is executed on the date first set
forth above.

                                        First Bank

                                        By:
                                           -------------------------------------
                                                 President
ATTEST:

    Secretary

                                        Access Anytime Bancorp, Inc.

                                        By:
                                           -------------------------------------
                                                 President
ATTEST:

    Secretary<Page>

                                 EXHIBIT 10.3.3

           FIRST BANK PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLAN

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                             AMENDMENT NUMBER THREE
                          MODEL AMENDMENTS UNDER EGTRRA

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          WHEREAS, Section 13.1 of the FirstBank Profit Sharing and Employee
Stock Ownership Plan (the "Plan") provides that the Company has the power and
right to amend the Plan:

          NOW THEREFORE, the Company hereby amends the Plan by the adoption of
the following model amendments issued by the Internal Revenue Service:

SECTION 1. LIMITATIONS ON CONTRIBUTIONS

1.1 Effective date. This section shall be effective for limitation years
beginning after December 31, 2001.

1.2 Maximum annual addition. Except to the extent permitted under Section 10 of
this amendment and Code Section 414(v), if applicable [relating to catch-up
contributions under a 401(k) plan], the annual addition that may be contributed
or allocated to a Participant's Account under the Plan for any limitation year
shall not exceed the lesser of:

     1.2.1 $40,000, as adjusted for increases in the cost-of-living under Code
Section 415(d), or

     1.2.2 100 percent of the Participant's compensation, within the meaning of
Code Section 415(c)(3), for the limitation year.

The compensation limit referred to in 1.2.2 shall not apply to any contribution
for medical benefits after separation from service (within the meaning of Code
Section 401(h) or Section 419A(f)(2)) which otherwise is treated as an annual
addition.

SECTION 2. INCREASE IN COMPENSATION LIMIT

The annual compensation of each Participant taken into account in determining
allocations for any Plan Year beginning after December 31, 2001, shall not
exceed $200,000, as adjusted for cost-of-living increases in accordance with
Code Section 401(a)(17)(B). Annual Compensation means Compensation during the
Plan Year or such other consecutive 12-month period over which Compensation is
otherwise determined under the Plan (the determination period). The
cost-of-living adjustment in effect for a calendar year applies to annual
Compensation for the determination period that begins with or within such
calendar year.

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SECTION 3. MODIFICATION OF TOP-HEAVY RULES

3.1  Effective date. This section shall apply for purposes of determining
whether the Plan is a top-heavy plan under Code Section 416(g) for Plan Years
beginning after December 31, 2001, and whether the Plan satisfies the minimum
benefits requirements of Code Section 416(c) for such years. This section amends
Article VII of the Plan.

3.2  Determination of top-heavy status.

     3.2.1 Key Employee. Key Employee means any Employee or former Employee
(including any deceased Employee) who at any time during the Plan Year that
includes the determination date was: (a) an officer of the Company having annual
compensation greater than $130,000 (as adjusted under Code Section 416(i)(1) for
Plan Years beginning after December 31, 2002), (b) a 5-percent owner of the
Company, or (c) a 1-percent owner of the Company having annual compensation of
more than $150,000. For this purpose, annual compensation means compensation
within the meaning of Code Section 415(c)(3). The determination of who is a Key
Employee will be made in accordance with Code Section 416(i)(1) and the
applicable regulations and other guidance of general applicability issued
thereunder.

     3.2.2 Determination of present values and amounts. This section 3.2.2 shall
apply for purposes of determining the present values of accrued benefits and the
amounts of Account balances of Participants as of the determination date.

          (1)  Distributions during year ending on the determination date. The
               present values of accrued benefits and the amounts of Account
               balances of an Employee as of the determination date shall be
               increased by the distributions made with respect to the Employee
               under the Plan and any plan aggregated with the Plan under Code
               Section 416(g)(2) during the 1-year period ending on the
               determination date. The preceding sentence shall also apply to
               distributions under a terminated plan which, had it not been
               terminated, would have been aggregated with the Plan under Code
               Section 416(g)(2)(A)(i). In the case of a distribution made for a
               reason other than separation from service, death, or disability,
               this provision shall be applied by substituting "5-year period"
               for "1-year period."

          (b)  Employees not performing services during year ending on the
               determination date. The accrued benefits and accounts of any
               individual who has not performed services for the Company during
               the 1-year period ending on the determination date shall not be
               taken into account.

3.3  Minimum benefits.

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     3.3.1 Matching contributions. Company matching contributions shall be taken
into account for purposes of satisfying the minimum contribution requirements of
Code Section 416(c)(2) and the Plan. The preceding sentence shall apply with
respect to matching contributions under the Plan or, if the Plan provides that
the minimum contribution requirement shall be met in another plan, such other
plan. Company matching contributions that are used to satisfy the minimum
contribution requirements shall be treated as matching contributions for
purposes of the actual contribution percentage test and other requirements of
Code Section 401(m).

     3.3.2 Contributions under other plans. The Company may provide that the
minimum benefit requirement shall be met in another plan (including another plan
that consists solely of a cash or deferred arrangement which meets the
requirements of Code Section 401(k)(12) and matching contributions with respect
to which the requirements of Code Section 401(m)(11) are met).

SECTION 4. DIRECT ROLLOVERS OF PLAN DISTRIBUTIONS

4.1  Effective date. This section shall apply to distributions made after
December 31, 2001.

4.2  Modification of definition of eligible retirement plan. For purposes of the
direct rollover provisions in section 8.7 of the Plan, an eligible retirement
plan shall also mean an annuity contract described in Code Section 403(b) and an
eligible plan under Code Section 457(b) which is maintained by a state,
political subdivision of a state, or any agency or instrumentality of a state or
political subdivision of a state and which agrees to separately account for
amounts transferred into such plan from this Plan. The definition of eligible
retirement plan shall also apply in the case of a distribution to a surviving
spouse, or to a spouse or former spouse who is the alternate payee under a
qualified domestic relation order, as defined in Code Section 414(p).

4.3  Modification of definition of eligible rollover distribution to exclude
hardship distributions. For purposes of the direct rollover provisions in
section 8.7 of the Plan, any amount that is distributed on account of hardship
shall not be an eligible rollover distribution and the distributee may not elect
to have any portion of such a distribution paid directly to an eligible
retirement plan.

4.4  Modification of definition of eligible rollover distribution to include
nondeductible voluntary employee contributions. For purposes of the direct
rollover provisions in section 8.7 of the Plan, a portion of a distribution
shall not fail to be an eligible rollover distribution merely because the
portion consists of nondeductible voluntary employee contributions which are not
includible in gross income. However, such portion may be transferred only to an
individual retirement account or annuity described in Code Section 408(a) or
(b), or to a qualified defined contribution plan described in Code Sections
401(a) or 403(a) that agrees to separately account for amounts so transferred,
including separately accounting for the portion of such distribution which is
includible in gross income and the portion of such distribution which is not so
includible.

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SECTION 5. ROLLOVERS DISREGARDED IN INVOLUNTARY CASH-OUTS

5.1  Applicability and effective date. This section shall be effective for
distributions made after December 31, 2001.

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5.2  Rollovers disregarded in determining value of vested Account balance for
involuntary distributions. For purposes of section 8.4[b][1] of the Plan
[relating to involuntary cash-out distributions], the value of a participant's
vested Account balance shall be determined without regard to that portion of the
Account balance that is attributable to rollover contributions (and earnings
allocable thereto) within the meaning of Code Sections 402(c), 403(a)(4),
403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16). If the value of the Participant's
vested Account balance as so determined is $5,000 or less, the Plan shall
distribute the Participant's entire vested Account balance as provided in
Section 8.4[b][1].

SECTION 6. REPEAL OF MULTIPLE USE TEST

The multiple use test described in Treasury Regulation section 1.401(m)-2 and
section 4.6[b][i] of the Plan shall not apply for Plan Years beginning after
December 31, 2001.

THE FOLLOWING MODEL AMENDMENTS APPLY ONLY TO SECTION 401(K) PLANS

SECTION 7. ELECTIVE DEFERRALS -- CONTRIBUTION LIMITATION

No Participant shall be permitted to have Elective Deferrals made under this
Plan, or any other qualified plan maintained by the Company during any taxable
year, in excess of the dollar limitation contained in Code Section 402(g) in
effect for such taxable year, except to the extent permitted under section 10 of
this amendment and Code Section 414(v), if applicable [relating to catch-up
contributions].

SECTION 8. MODIFICATION OF TOP-HEAVY RULES

The top-heavy requirements of Code Section 416 and Article VII of the Plan shall
not apply in any year beginning after December 31, 2001, in which the Plan
consists solely of a cash or deferred arrangement which meets the requirements
of Code Section 401(k)(12) and Company matching contributions with respect to
which the requirements of Code Section 401(m)(11) are met.

SECTION 9. CATCH-UP CONTRIBUTIONS

Effective for years beginning on or after January 1, 2002, all Employees who are
eligible to make Elective Deferrals under this Plan and who have attained age 50
before the close of the Plan Year shall be eligible to make catch-up
contributions in accordance with, and subject to the limitations of, Code
Section 414(v). Such catch-up contributions shall not be taken into account for
purposes of the provisions of the Plan implementing the required limitations of
Code Sections 402(g) and 415. The Plan shall not be treated as failing to
satisfy the provisions of the Plan implementing the requirements of Code
Sections 401(k)(3), 401(k)(11), 401(k)(12), 410(b), or 416, as applicable, by
reason of the making of such catch-up contributions.

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SECTION 10. SUSPENSION PERIOD FOLLOWING HARDSHIP DISTRIBUTION

A Participant who receives a distribution of Elective Deferrals after December
31, 2001, on account of hardship shall be prohibited from making Elective
Deferrals and Employee contributions under this and all other plans of the
Company for 6 months after receipt of the distribution. A Participant who
receives a distribution of Elective Deferrals in calendar year 2001 on account
of hardship shall be prohibited from making Elective Deferrals and Employee
contributions under this and all other plans of the Company for 6 months after
receipt of the distribution or until January 1, 2002, if later.

SECTION 11. DISTRIBUTION UPON SEVERANCE FROM EMPLOYMENT

11.1 Effective date. This section shall apply for distributions occurring after
December 31, 2001, regardless of when the severance from employment occurred.

11.2 New distributable event. A Participant's Elective Deferrals, qualified
nonelective contributions, qualified matching contributions, and earnings
attributable to these contributions shall be distributed on account of the
Participant's severance from employment. However, such a distribution shall be
subject to the other provisions of the Plan regarding distributions, other than
provisions that require a separation from service before such amounts may be
distributed.

       THE FOLLOWING AMENDMENT IS NOT PART OF THE EGTRRA MODEL AMENDMENTS:

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SECTION 12. ELIMINATION OF MAXIMUM DEFERRAL PERCENTAGE

12.1 Effective date. This section shall apply for elective deferral
contributions in Plan years beginning on or after January 1, 2001.

12.2 Elimination of Maximum Deferral limit. The maximum elective deferral amount
and maximum elective deferral percentage (excluding catch-up contributions
described in Section 10) under the Plan will be the lesser of (a) the dollar
limit under Code Section 402(g) which is $11,000 for 2002; or (b) 100% of the
Participant's Compensation.

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     IN WITNESS WHEREOF, the this Amendment is approved and adopted as of the
date set forth below.

                                        FirstBank

                                        By:
                                           -----------------------------

                                        Title:
                                              --------------------------

                                        Date:
                                              --------------------------

                                        Access Anytime Bancorp, Inc.

                                        By:
                                           -----------------------------

                                        Title:
                                              --------------------------

                                        Date:
                                              --------------------------

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