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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Nhgjip+HM97SHYbWC+3gVxtWVZ0dlwTSDLgr1xiCEXcccdxc5cGPWhb7FJ85WasH
 v6LbSxepqcPDb8I/Mi6Z2g==

<SEC-DOCUMENT>0001179110-04-019110.txt : 20041001
<SEC-HEADER>0001179110-04-019110.hdr.sgml : 20041001
<ACCEPTANCE-DATETIME>20041001154746
ACCESSION NUMBER:		0001179110-04-019110
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041001
FILED AS OF DATE:		20041001
DATE AS OF CHANGE:		20041001

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LYDICK ROBERT CHAD
		CENTRAL INDEX KEY:			0001038263

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28894
		FILM NUMBER:		041058653

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 1386
		CITY:			CLOVIS
		STATE:			NM
		ZIP:			88102
		BUSINESS PHONE:		5057623771

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ACCESS ANYTIME BANCORP INC
		CENTRAL INDEX KEY:			0001024015
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				850444597
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		801 PILE
		STREET 2:		P O DRAWER 1569
		CITY:			CLOVIS
		STATE:			NM
		ZIP:			88101
		BUSINESS PHONE:		5057624417

	MAIL ADDRESS:	
		STREET 1:		801 PILE
		STREET 2:		P O DRAWER 1569
		CITY:			CLOVIS
		STATE:			NM
		ZIP:			88101
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>FORM 4 -
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-10-01</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001024015</issuerCik>
        <issuerName>ACCESS ANYTIME BANCORP INC</issuerName>
        <issuerTradingSymbol>AABC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001038263</rptOwnerCik>
            <rptOwnerName>LYDICK ROBERT CHAD</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>PO BOX 1386</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CLOVIS</rptOwnerCity>
            <rptOwnerState>NM</rptOwnerState>
            <rptOwnerZipCode>88101</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable></nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Phantom Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>14.39</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-10-01</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>191</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>14.39</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>1988-08-08</value>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>1988-08-08</value>
                <footnoteId id="F1"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>191</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5072</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Units are to be settled in stock issued upon the director's cessation of service on the board or death, or termination of the non-employee director retainer plan.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Robert Chad Lydick</signatureName>
        <signatureDate>2004-10-01</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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