UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
    ACT OF 1934

For the quarterly period ended March 31, 2002

                                       OR

[  ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

For the transition period from ______ to ______

                         Commission file number 2-39458

                       ERIE FAMILY LIFE INSURANCE COMPANY
             (Exact name of registrant as specified in its charter)

           PENNSYLVANIA                                          25-1186315
  (State or other jurisdiction of                            (I.R.S. Employer
  incorporation or organization)                             Identification No.)


100 Erie Insurance Place, Erie, Pennsylvania                        16530
  (Address of principal executive offices)                        (Zip Code)

Registrant's telephone number, including area code   (814) 870-2000


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

        Yes  X        No ___


Indicate the number of shares outstanding of each of the Registrant's classes of
common stock, as of the latest practicable date: 9,450,000 shares of Common
Stock outstanding on April 30, 2002.


                                       1
<PAGE>



                                      INDEX

                       ERIE FAMILY LIFE INSURANCE COMPANY


PART I. FINANCIAL INFORMATION

Item 1. Financial Statements (Unaudited)

        Statements of Financial Position - March 31, 2002 and December 31, 2001

        Statements of Operations - Three months ended March 31, 2002 and 2001

        Statements of Comprehensive Income - Three months ended March 31, 2002
        and 2001

        Statements of Cash Flows - Three months ended March 31, 2002 and 2001

        Notes to Financial Statements - March 31, 2002

Item 2. Management's Discussion and Analysis of Financial
               Condition and Results of Operations

Item 3. Quantitative and Qualitative Disclosures About Market Risk

PART II. OTHER INFORMATION

Item 4. Submission of Matters to a Vote of Security Holders

Item 5. Other Information

Item 6. Exhibits and Reports on Form 8-K


SIGNATURES


                                       2
<PAGE>



PART I.  FINANCIAL INFORMATION

<TABLE>
<CAPTION>

                       ERIE FAMILY LIFE INSURANCE COMPANY
                        STATEMENTS OF FINANCIAL POSITION

                                                                                                     (Dollars in thousands)
                                                                                                 March 31,             December 31,
ASSETS                                                                                             2002                    2001
                                                                                                ----------             -----------
                                                                                                (Unaudited)
   <S>                                                                                          <C>                    <C>
   Invested Assets:
         Fixed Maturities at fair value (amortized cost
           of $763,259 and $718,500, respectively)                                              $  761,322             $  730,270
         Equity Securities at fair value
           (cost of $92,735 and $86,758, respectively)                                             107,375                103,675
         Limited Partnerships
           (cost of $22,277 and $18,691, respectively)                                              21,882                 18,249
         Real Estate                                                                                 1,272                  1,293
         Policy Loans                                                                                9,092                  8,879
         Real Estate Mortgage Loans                                                                  7,312                  7,357
                                                                                                ----------             ----------


           Total Invested Assets                                                                $  908,255             $  869,723

         Cash and Cash Equivalents                                                                  89,792                110,503
         Premiums Receivable from Policyholders                                                      5,008                  5,089
         Reinsurance Recoverable                                                                       134                  1,775
         Other Receivables                                                                             972                    374
         Accrued Investment Income                                                                  15,910                 11,520
         Deferred Policy Acquisition Costs                                                          95,065                 92,015
         Reserve Credit for Reinsurance Ceded                                                       12,100                 12,120
         Prepaid Federal Income Taxes                                                                6,676                  8,508
         Other Assets                                                                                8,348                  8,856
                                                                                                ----------             ----------

           Total Assets                                                                         $1,142,260             $1,120,483
                                                                                                ==========             ==========

<FN>
See notes to financial statements.
</FN>

</TABLE>


                                       3
<PAGE>


<TABLE>
<CAPTION>

                       ERIE FAMILY LIFE INSURANCE COMPANY
                        STATEMENTS OF FINANCIAL POSITION

                                                                                                     (Dollars in thousands)
                                                                                                 March 31,             December 31,
LIABILITIES AND SHAREHOLDERS' EQUITY                                                               2002                    2001
                                                                                                ----------             -----------
                                                                                                (Unaudited)
   <S>                                                                                          <C>                    <C>
   Liabilities:
        Policy Liabilities and Accruals:
          Future Life Policy Benefits                                                           $   88,218             $   85,673
          Policy and Contract Claims                                                                 1,957                  1,950
          Annuity Deposits                                                                         667,313                636,850
          Universal Life Deposits                                                                  124,940                121,560
          Supplementary Contracts Not
            Including Life Contingencies                                                               635                    605
        Other Policyholder Funds                                                                     9,289                  7,974
        Deferred Income Taxes                                                                       26,703                 31,807
        Reinsurance Premium Due                                                                        423                  1,741
        Accounts Payable and Accrued Expenses                                                        6,251                  7,412
        Note Payable to Erie Indemnity Company                                                      15,000                 15,000
        Due to Affiliates                                                                            1,744                  2,309
        Dividends Payable                                                                            1,985                  1,843
                                                                                                ----------             ----------

              Total Liabilities                                                                 $  944,458             $  914,724
                                                                                                ----------             ----------

   Shareholders' Equity:
        Common Stock, $.40 Par Value Per Share;
            Authorized 15,000,000 Shares; 9,450,000
            Shares Issued and Outstanding                                                       $    3,780             $    3,780
        Additional Paid-In Capital                                                                     630                    630
        Accumulated Other Comprehensive Income                                                       8,000                 18,359
        Retained Earnings                                                                          185,392                182,990
                                                                                                ----------             ----------

              Total Shareholders' Equity                                                        $  197,802             $  205,759
                                                                                                ----------             ----------

              Total Liabilities and Shareholders' Equity                                        $1,142,260             $1,120,483
                                                                                                ==========             ==========

<FN>
See notes to financial statements.
</FN>

</TABLE>


                                       4
<PAGE>


<TABLE>
<CAPTION>

                       ERIE FAMILY LIFE INSURANCE COMPANY
                      STATEMENTS OF OPERATIONS (Unaudited)

                                                                                      (Dollars in thousands, except per share data)
                                                                                         Three Months Ended     Three Months Ended
                                                                                           March 31, 2002         March 31, 2001
                                                                                         ------------------     ------------------
<S>                                                                                             <C>                   <C>
Revenues:
   Policy Revenue:
   Life Premiums                                                                                $11,579                $10,316
   Group and Other Premiums                                                                         750                    681
                                                                                                -------                -------
     Total Policy Revenue                                                                       $12,329                $10,997

   Net Investment Income                                                                         14,510                 14,709
   Equity in Earnings (Losses) of Limited
     Partnerships                                                                                 1,069               (    965)
   Net Realized Gains on Investments                                                              2,054                    594
   Other Income                                                                                     244                    191
                                                                                                -------                -------
     Total Revenues                                                                             $30,206                $25,526
                                                                                                -------                -------

Benefits and Expenses:
  Death Benefits                                                                                $ 3,500                $ 3,328
  Interest on Annuity Deposits                                                                    9,541                  8,357
  Interest on Universal Life Deposits                                                             1,763                  1,655
  Surrender and Other Benefits                                                                      268                    137
  Increase in Future Life Policy Benefits                                                         2,565                  1,688
  Amortization of Deferred Policy
    Acquisition Costs                                                                             1,612                  1,646
  Commissions                                                                                       944                    593
  General Expenses                                                                                2,695                  2,343
  Taxes, Licenses and Fees                                                                          612                    518
                                                                                                -------                -------
    Total Benefits and Expenses                                                                 $23,500                $20,265
                                                                                                -------                -------

Income before income taxes                                                                      $ 6,706                $ 5,261
Provision for Federal Income Tax (Benefit):
  Current                                                                                         1,847                  1,906
  Deferred                                                                                          473               (     86)
                                                                                                -------                -------
    Total Provision for Federal Income Tax                                                        2,320                  1,820
                                                                                                -------                -------

Net Income                                                                                      $ 4,386                $ 3,441
                                                                                                =======                =======

Net Income Per Share                                                                            $  0.46                $  0.36
                                                                                                =======                =======

Dividends Declared Per Share                                                                    $  0.21                $ 0.195
                                                                                                =======                =======

<FN>
See notes to financial statements.
</FN>

</TABLE>


                                       5
<PAGE>

<TABLE>
<CAPTION>


                       ERIE FAMILY LIFE INSURANCE COMPANY
                 STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

                                                                                                  (Amounts in thousands)
                                                                                         Three Months Ended     Three Months Ended
                                                                                           March 31, 2002         March 31, 2001
                                                                                         ------------------     ------------------

<S>                                                                                             <C>                    <C>
Net Income                                                                                       $ 4,386                $3,441
                                                                                                 -------                ------
Unrealized Gains on Securities:
  Unrealized Holding (Losses) Gains Arising
    During Period                                                                               ( 13,882)                9,356
  Less:  Gains Included in Net Income                                                           (  2,054)              (   594)
                                                                                                 -------                ------
    Net Unrealized Holding (Losses) Gains
      Arising During Period                                                                     ($15,936)               $8,762
                                                                                                 -------                ------

Income Tax (Benefit) Expense Related to
  Unrealized (Losses) Gains                                                                     (  5,577)                3,067
                                                                                                 -------                ------

Unrealized (Depreciation) Appreciation of
   Investments, net of Tax                                                                      ($10,359)               $5,695
                                                                                                 -------                ------

Comprehensive (Loss) Income                                                                     ($ 5,973)               $9,136
                                                                                                 =======                ======

<FN>
See notes to financial statements
</FN>

</TABLE>


                                       6
<PAGE>


<TABLE>
<CAPTION>


                       ERIE FAMILY LIFE INSURANCE COMPANY
                      STATEMENTS OF CASH FLOWS (Unaudited)

                                                                                                    (Dollars in thousands)
                                                                                         Three Months Ended     Three Months Ended
                                                                                           March 31, 2002         March 31, 2001
                                                                                         -------------------    -------------------
   <S>                                                                                          <C>                    <C>
   Cash flows from operating activities:
   Net income                                                                                    $  4,386               $ 3,441
   Adjustments to reconcile net income to net cash
      provided by operating activities:
        Net amortization of bond and mortgage (discount) premium                                (      58)                   52
        Amortization of deferred policy acquisition costs                                           1,612                 1,646
        Real estate depreciation                                                                       21                    21
        Software amortization                                                                          62                    62
        Deferred federal income tax expense (benefit)                                                 473              (     86)
        Realized gains on investments                                                           (   2,054)             (    594)
        Equity in (earnings) losses of limited partnerships                                     (   1,069)                  965
   Decrease in premiums receivable                                                                     82                   217
   (Increase) decrease in other receivables                                                     (     598)                   32
   Increase in accrued investment income                                                        (   4,390)             (  2,996)
   Increase in policy acquisition costs deferred                                                (   4,662)             (  2,916)
   Decrease in other assets                                                                           446                    31
   Decrease (increase) in reinsurance recoverables
      and reserve credits                                                                           1,660              (    307)
   Decrease in prepaid federal income taxes                                                         1,833                 1,103
   Increase in future policy benefits and claims                                                    2,553                 2,597
   Increase (decrease) in other policyholder funds                                                  1,315              (    174)
   Decrease in reinsurance premium due                                                          (   1,319)             (    673)
   (Decrease) increase in accounts payable and due to affiliates                                (   1,727)                1,205
                                                                                                 --------               -------
          Net cash (used in) provided by operating activities                                   ($  1,434)              $ 3,626
                                                                                                 --------               -------

   Cash flows from investing activities:
   Purchase of investments:
      Fixed maturities                                                                          ($106,771)             ($42,537)
      Equity securities                                                                         (  12,426)             (  5,645)
      Limited partnerships                                                                      (   4,937)             (  1,649)
   Sales/maturities of investments:
      Sales of fixed maturities                                                                    22,630                 7,870
   Calls/maturities of fixed maturities                                                            40,399                23,177
      Equity securities                                                                             7,544                 6,421
      Limited partnerships                                                                          2,421                   328
   Principal payments received on mortgage loans                                                       45                    50
   Real estate improvements                                                                             0              (      5)
   Loans made to Policyholders                                                                  (     437)             (    545)
   Payments received on policy loans                                                                  224                   311
                                                                                                 --------               -------
          Net cash used in investing activities                                                 ($ 51,308)             ($12,224)
                                                                                                 --------               -------

   Cash flows from financing activities:
   Annuity and supplementary
      contract deposits and interest                                                             $ 40,486               $22,034
   Annuity and supplementary
      contract surrenders and withdrawals                                                       (   9,992)             ( 14,301)
   Universal life deposits and interest                                                             4,563                 4,655
   Universal life surrenders                                                                    (   1,183)             (  1,247)
   Dividends paid to Shareholders                                                               (   1,843)             (  1,701)
                                                                                                 --------               -------
          Net cash provided by financing activities                                              $ 32,031               $ 9,440
                                                                                                 --------               -------
   Net (decrease) increase in cash and cash equivalents                                         (  20,711)                  842
   Cash and cash equivalents at beginning of year                                                 110,503                17,955
                                                                                                 --------               -------
   Cash and cash equivalents at end of quarter                                                   $ 89,792               $18,797
                                                                                                 ========               =======

Supplemental disclosures of cash flow information: Cash paid during the year
for:
   Interest                                                                                      $     52               $    52
   Income taxes                                                                                        14                   803

<FN>
See notes to financial statements
</FN>

</TABLE>


                                       7
<PAGE>



                       ERIE FAMILY LIFE INSURANCE COMPANY
                    NOTES TO FINANCIAL STATEMENTS (UNAUDITED)
                       All dollar amounts are in thousands

NOTE A -- BASIS OF PRESENTATION

The accompanying unaudited financial statements have been prepared in accordance
with generally accepted accounting  principles for interim financial information
and with  the  instructions  to Form  10-Q and  Rule  10-01 of  Regulation  S-X.
Accordingly,  they do not include all of the information and footnotes  required
by generally accepted accounting  principles for complete financial  statements.
In the opinion of management,  all adjustments  (consisting of normal  recurring
accruals)  considered  necessary  for a fair  presentation  have been  included.
Operating  results  for the  three-month  period  ended  March 31,  2002 are not
necessarily  indicative  of the results that may be expected for the year ending
December 31, 2002. For further  information,  refer to the financial  statements
and footnotes  thereto  included in the Company's annual report on Form 10-K for
the year ended December 31, 2001.

NOTE B -- RECLASSIFICATION

Certain amounts, as previously reported in the 2001 financial  statements,  have
been  reclassified  to  conform  to  the  current  year's  financial   statement
presentation.

NOTE C -- INVESTMENTS

Management  considers all fixed  maturities  and  marketable  equity  securities
available-for-sale. Marketable equity securities consist primarily of common and
non-redeemable  preferred  stock  while  fixed  maturities  consist of bonds and
notes. Management determines the appropriate  classification of fixed maturities
at the time of purchase and reevaluates such designation as of each statement of
financial position date. Available-for-sale securities are stated at fair value,
with the  unrealized  gains  and  losses,  net of tax,  reported  as a  separate
component of Shareholders' equity.

Realized gains and losses on the sales of  investments  are recognized in income
on the specific  identification method.  Investments that have declined in value
below cost and for which the decline is considered to be other-than-temporary by
management are written down to estimated  realizable value. Such write-downs are
made on an  individual  security  basis and are  recorded as a component  of net
realized gains (losses) on investments in the Statements of Operations.

The following is a summary of available-for-sale securities:

<TABLE>
<CAPTION>


                                                                                      Gross              Gross
                                                                 Amortized          Unrealized        Unrealized        Estimated
                                                                    Cost              Gains             Losses         Fair Value
                                                                 ----------------------------------------------------------------
<S>                                                                <C>               <C>               <C>               <C>
March 31, 2002
Fixed Maturities:
Bonds:
   U.S. Treasuries and Government
     Agencies                                                      $ 26,227          $    347          $    421          $ 26,153
   Special Revenue                                                    2,795               185                 0             2,980
   Public Utilities                                                  77,967               985             1,547            77,405
   U.S. Banks, Trusts and Insurance
     Companies                                                      154,359             2,703             2,005           155,057
   U.S. Industrial and Miscellaneous                                442,137             5,665             8,880           438,922
   Foreign                                                           59,774             1,368               337            60,805
                                                                   --------          --------          --------          --------
       Total Fixed Maturities                                      $763,259          $ 11,253          $ 13,190          $761,322
                                                                   ========          ========          ========          ========

</TABLE>


                                       8
<PAGE>


<TABLE>
<CAPTION>

                       ERIE FAMILY LIFE INSURANCE COMPANY
              NOTES TO FINANCIAL STATEMENTS (UNAUDITED) (Continued)


NOTE C -- INVESTMENTS (Continued)

                                                                                      Gross              Gross
                                                                 Amortized          Unrealized        Unrealized        Estimated
                                                                    Cost              Gains             Losses         Fair Value
                                                                 ----------------------------------------------------------------
<S>                                                                <C>               <C>               <C>               <C>
Equity Securities:
   Common Stock:
      U.S. Banks, Trusts and Insurance
        Companies                                                  $  5,332          $    925          $     26          $  6,231
      U.S. Industrial and Miscellaneous                              29,559            15,337             1,600            43,296
      Public Utilities                                                  417                 0                99               318
   Non-redeemable Preferred Stock:
      U.S. Banks, Trusts and Insurance
        Companies                                                     5,260               130                 0             5,390
      U.S. Industrial and Miscellaneous                              13,565               585                 0            14,150
      Foreign                                                        38,602               944             1,556            37,990
                                                                   --------          --------          --------          --------
        Total Equity Securities                                    $ 92,735          $ 17,921          $  3,281          $107,375
                                                                   ========          ========          ========          ========
          Total Available-for-Sale
          Securities                                               $855,994          $ 29,174          $ 16,471          $868,697
                                                                   ========          ========          ========          ========

   December 31, 2001
   Fixed Maturities:
   Bonds:
      U.S. Treasuries and Government
        Agencies                                                   $ 26,239          $    423          $    139          $ 26,523
      Special Revenue                                                 8,028               352                 0             8,380
      Public Utilities                                               71,906             1,803               925            72,784
      U.S. Banks, Trusts and Insurance
        Companies                                                   136,259             3,425               583           139,101
      U.S. Industrial and Miscellaneous                             419,325             9,354             3,500           425,179
      Foreign                                                        56,743             1,794               234            58,303
                                                                   --------          --------          --------          --------
        Total Fixed Maturities                                     $718,500          $ 17,151          $  5,381          $730,270
                                                                   ========          ========          ========          ========

   Equity Securities:
   Common Stock:
      U.S. Banks, Trusts and Insurance
        Companies                                                  $  5,332          $    809          $     17          $  6,124
      U.S. Industrial and Miscellaneous                              30,605            15,996               413            46,188
      Public Utilities                                                  417                 0                57               360
   Non-redeemable Preferred Stock:
      U.S. Industrial and Miscellaneous                               8,603               712                 0             9,315
      Foreign                                                        41,801             1,306             1,419            41,688
                                                                   --------          --------          --------          --------
        Total Equity Securities                                    $ 86,758          $ 18,823          $  1,906          $103,675
                                                                   ========          ========          ========          ========
          Total Available-for-Sale
          Securities                                               $805,258          $ 35,974          $  7,287          $833,945
                                                                   ========          ========          ========          ========

</TABLE>


                                       9
<PAGE>



                       ERIE FAMILY LIFE INSURANCE COMPANY
              NOTES TO FINANCIAL STATEMENTS (UNAUDITED) (Continued)


NOTE C -- INVESTMENTS (Continued)

The  components  of  net  realized  gains  on  investments  as  reported  on the
Statements of Operations are included below.

                                    Three Months Ended    Three Months Ended
                                      March 31, 2002        March 31, 2001
                                    ------------------    ------------------
      Realized gains:
        Fixed maturities                  $  969                 $325
        Equity securities                  1,102                  489
                                          ------                 ----
        Total gains                       $2,071                 $814
                                          ------                 ----
      Realized losses:
        Fixed maturities                  $   10                 $  4
        Equity securities                      7                  190
        Other, net                             0                   26
                                          ------                 ----
        Total losses                      $   17                 $220
                                          ------                 ----

        Net realized gains
          on investments                  $2,054                 $594
                                          ======                 ====

The  Company  participates  in a  securities  lending  program  whereby  certain
securities from its portfolio are loaned to other institutions for short periods
of time  through  a  lending  agent.  The  Company  maintains  control  over the
securities.  The borrower of the  securities is not permitted to sell or replace
the  security  on loan.  A fee is paid to the Company by the  borrower.  Revenue
received  for the three  months  ended March 31, 2002 and 2001,  related to this
program  totaled $31 and $21,  respectively.  Collateral,  comprised of cash and
government  securities,  that exceeds the market value of the loaned securities,
is maintained by the lending agent. The Company has an indemnification agreement
with the lending  agent in the event a borrower  becomes  insolvent  or fails to
return  securities.  The Company had loaned  securities  with a market  value of
$37,499 and $28,379 and  collateral of $38,946 and $29,484 at March 31, 2002 and
2001,  respectively.   The  Company  maintains  the  loaned  securities  on  its
Statements of Financial Position as part of its invested assets.

Limited  partnerships  include  U.S.  and foreign  real estate and fixed  income
investments. During the fourth quarter 2001, the Company sold its private equity
limited  partnerships  to the Erie  Insurance  Exchange.  Real  estate and fixed
income  limited  partnerships  are  recorded  using  the  equity  method,  which
approximates the Company's share of the carrying value of the  partnership.  The
private  equity  limited  partnerships  were carried at their  estimated  market
values in 2001. The Company has not guaranteed any of the partnership
liabilities.

The  components  of equity in  earnings  (losses)  of  limited  partnerships  as
reported on the Statements of Operations are as follows:

                                    Three Months Ended    Three Months Ended
                                      March 31, 2002        March 31, 2001
                                    ------------------    ------------------
      Fixed Income                        $   53                 $    5
      Real Estate                          1,016                    267
      Private Equity                           0                ( 1,237)
                                          ------                 ------
                                          $1,069                ($  965)
                                          ======                 ======


                                       10
<PAGE>



                       ERIE FAMILY LIFE INSURANCE COMPANY
              NOTES TO FINANCIAL STATEMENTS (UNAUDITED) (Continued)


NOTE D -- FAIR VALUE OF FINANCIAL INSTRUMENTS

Estimated  fair  value of  financial  instruments  have  been  determined  using
available market information and appropriate valuation  methodologies.  However,
considerable  judgment is required in  developing  the  estimates of fair value.
Accordingly,  these estimates are not necessarily indicative of the amounts that
could be realized in a current market exchange.  Certain financial  instruments,
including  insurance  contracts  other than financial  guarantees and investment
contracts,  are exempt from fair value  disclosure  requirements.  The following
methods and assumptions were used by the Company in estimating the fair value of
each class of financial  instrument for which it is practicable to estimate that
value:

Cash and cash equivalents: The carrying amounts approximate their fair value.

Fixed maturities and equity securities:  Fair values were based on quoted market
prices, where available, or dealer quotations.

Limited partnerships:  Fair values of the fixed income limited partnerships were
provided to the Company by the partnership. Real estate limited partnership fair
values approximate carrying value.

Policy loans and real estate  mortgage  loans:  For policy loans and real estate
mortgage loans, carrying value is representative of estimated fair value.

Trading assets and trading  liabilities:  The carrying value of these assets and
liabilities  arising in the ordinary course of business  approximates their fair
values.

Annuity deposits:  Included in this category are annuity deposit contracts.  The
Company  retains  the  right to  change  interest  rates  subject  to a one year
guaranteed  interest rate and a minimum interest rate provided in the policy. As
a result,  the carrying value of these contracts  approximates their fair value.
These annuity deposits totaled $516,248 at March 31, 2002.

Annuity deposits include structured settlements, contracts that the Policyholder
cannot  surrender at any time and for which the  interest  rate is fixed for the
duration of the contract.  Fair values of these  contracts were estimated  using
discounted  projected  cash flows  based upon  interest  rates  currently  being
offered for similar contracts with the same remaining  maturities.  At March 31,
2002, the carrying value of structured  settlements  totaled  $151,065 while the
estimated fair value of these contracts totaled $157,274.

Universal life deposits:  The Company retains the right to change interest rates
on its universal  life deposits  subject to a minimum  interest rate provided in
the policy.  As a result,  the carrying  value of these  contracts  approximates
their fair value.


                                       11
<PAGE>



                       ERIE FAMILY LIFE INSURANCE COMPANY
              NOTES TO FINANCIAL STATEMENTS (UNAUDITED) (Continued)


NOTE E -- SEGMENT INFORMATION

The  Company's  portfolio of  Traditional  insurance  includes  permanent  life,
endowment and term policies,  including whole life. The Group and Other category
presented in the table below includes group life insurance and disability income
products.  The Corporate category includes investment income earned from surplus
not specifically  attached to any one product type. Investment related income is
allocated based on the assumption that the fixed  maturities and preferred stock
portfolios  support the  insurance  product  segments  and the common  stock and
limited partnership investments support the corporate line.

<TABLE>
<CAPTION>

  Three Months Ended                                            Universal                   Group &
    March 31, 2002                               Traditional       Life      Annuities        Other       Corporate       Total
 --------------------                            -----------   -----------   ---------     ----------     ---------      --------
   <S>                                             <C>           <C>           <C>          <C>             <C>           <C>
   Total policy revenue, net of
      reinsurance                                  $ 8,589       $ 2,987       $     1       $   752        $     0       $12,329
   Total investment-related
     and other income                                1,583         2,067        10,786            44          3,397        17,877
                                                   -------       -------       -------       -------        -------       -------
        Total revenues                             $10,172       $ 5,054       $10,787       $   796        $ 3,397       $30,206
                                                   -------       -------       -------       -------        -------       -------

   Less: Total benefits and
      expenses                                       8,573         4,013        10,068           846              0        23,500
                                                   -------       -------       -------       -------        -------       -------

      Income (loss) from
        operations, before taxes                   $ 1,599       $ 1,041       $   719      ($    50)       $ 3,397       $ 6,706
                                                   =======       =======       =======       =======        =======       =======
</TABLE>

<TABLE>
<CAPTION>


Three Months Ended                                              Universal                   Group &
  March 31, 2001                                Traditional       Life      Annuities        Other       Corporate       Total
-------------------                              -----------   -----------   ---------      --------      ---------      --------
<S>                                                <C>           <C>           <C>          <C>             <C>           <C>
   Total policy revenue, net of
      reinsurance                                  $ 7,635       $ 2,681       $     1      $   680         $     0       $10,997
   Total investment-related
     and other income                                1,619         1,945        10,695           39             231        14,529
                                                   -------       -------       -------      -------         -------       -------
        Total revenues                             $ 9,254       $ 4,626       $10,696      $   719         $   231       $25,526
                                                   -------       -------       -------      -------         -------       -------

   Less: Total benefits and
      expenses                                       7,228         4,102         8,830          105               0        20,265
                                                   -------       -------       -------      -------         -------       -------

      Income from operations,
        before taxes                               $ 2,026       $   524       $ 1,866      $   614         $   231       $ 5,261
                                                   =======       =======       =======      =======         =======       =======
</TABLE>


NOTE F -- REINSURANCE

The Company has entered  into  various  reinsurance  treaties for the purpose of
ceding the excess of life insurance over Company  established  retention limits.
Reinsurance  contracts  do not  relieve  the  Company  from its  obligations  to
Policyholders. Failure of reinsurers to honor their obligations could result in


                                       12
<PAGE>



                       ERIE FAMILY LIFE INSURANCE COMPANY
              NOTES TO FINANCIAL STATEMENTS (UNAUDITED) (Continued)


NOTE F -- REINSURANCE (Continued)

losses to the Company.  The Company  evaluates  the  financial  condition of its
reinsurers and monitors  concentrations  of credit risk to minimize its exposure
to significant losses from reinsurer insolvencies.  The Company considers all of
its  reinsurance  assets to be  collectible,  therefore,  no allowance  has been
established for uncollectible amounts.

Generally,  the Company's  retention  limit is $300 per life for  individual and
$200 per life for group coverage. For its disability income product, the Company
also has a 50%  coinsurance  agreement with its reinsurer.  In 2001, the Company
introduced  two new products,  ERIE Flagship  Term2 and ERIE Target Term.  These
products are reinsured 50% and 90%, respectively, with unaffiliated reinsurers.

Policy revenues, benefits and expenses reflected in the Statements of Operations
have been reduced by the following amounts due to reinsurance cessions:

                                      Three Months Ended   Three Months Ended
                                         March 31, 2002      March 31, 2001
                                      ------------------   ------------------

Policy revenue                             $ 1,625             $ 1,446

Death benefits                                 365                 541

Increase in future life policy benefits   (     20)                348

Commissions                                    750                 848


NOTE G -- COMMITMENTS

The Company has outstanding  commitments to invest up to $5.9 million in limited
partnerships  at March 31, 2002.  These  commitments  will be funded as required
through the end of the respective investment periods,  which typically span 3 to
5 years and expire  through  2005.  At March 31,  2002,  all of the  commitments
relate to limited partnerships that invest in real estate activities.


NOTE H -- STATUTORY INFORMATION

The minimum statutory capital and surplus  requirements  under  Pennsylvania law
for stock  life  insurance  companies  (Section  386 of the PA  Insurance  Code)
amounts to $1,650.  The  Company's  total  statutory  capital and  surplus  well
exceeded these minimum requirements, totaling $103,503 at March 31, 2002.


                                       13
<PAGE>



ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

The following  discussion and analysis  should be read in  conjunction  with the
historical financial  information and related notes found on pages 3 through 13,
herein,  and  Management's  Discussion  and Analysis of Financial  Condition and
Results of  Operations  contained in our Annual Report on Form 10-K for the year
ended December 31, 2001 as filed with the Securities and Exchange  Commission on
March 15, 2002.

FINANCIAL OVERVIEW

Net  income  increased  27.5% to  $4,385,854,  or $.46 per  share,  in the first
quarter  of 2002,  compared  to  $3,440,644,  or $.36 per  share,  for the first
quarter  of  2001.  Increases  in  policy  revenue,  realized  capital  gains on
investments  and the equity in earnings of limited  partnerships  contributed to
the improvement in earnings.

Operating  income (net income,  excluding net realized capital gains and related
federal  income  taxes)  totaled  $3,050,627,  or $.32 per  share,  in the first
quarter 2002 compared to $3,054,599,  or $.32 per share,  for the same period in
2001.

REVENUES

Analysis of Policy Revenue

Total policy revenue increased $1,332,349, or 12.1%, to $12,329,126 in the first
quarter of 2002, from $10,996,777  during the same period in 2001.  Contributing
to this growth was an increase in net  premiums on  traditional  life  insurance
policies of 11.8% to  $9,297,330  for the quarter  ended March 31,  2002.  Total
policies in force on  traditional  life  insurance  products  increased  4.5% to
174,863 at March 31, 2002, compared to 167,262 at March 31, 2001.

In the third quarter of 2001 the Company  rolled out its two newest  traditional
life  insurance  products - ERIE Target Term and ERIE Flagship  Term2.  The ERIE
Target Term  product has a minimum  face  amount of  $100,000  and offers  rates
guaranteed for 10 years on all plans.  Under the reinsurance treaty for this new
product,  the  reinsurer  assumes 90% of all  insurance  up to  $3,000,000  (the
Company's  retention  limit is $300,000)  and assumes all  insurance  above that
amount.  The ERIE Flagship Term2, now Erie Family Life's most comprehensive term
insurance plan for  individuals  desiring  substantial  coverage,  also offers a
minimum face amount of $100,000 and replaces the ERIE  Flagship Term product for
new policy sales after October 1, 2001.  Under the  reinsurance  treaty for this
product,  the  reinsurer  assumes  50%  of all  insurance  up to  $600,000  (the
Company's  retention  limit is $300,000)  and assumes all  insurance  above that
amount. The reinsurance premiums ceded recognized in total life premiums related
to the ERIE Flagship  Term,  ERIE  Flagship  Term2 and ERIE Target Term products
amounted to $914,575  and $776,033 for the three months ended March 31, 2002 and
2001, respectively.

Analysis of Investment-related Income

Net investment income decreased  slightly to $14,509,729 in the first quarter of
2002 from  $14,708,754 for the same period in 2001. A decline in yields from the
portfolio,  due to  unusually  low  interest  rates,  had a  negative  impact on
investment income.

Net  realized  gains  from  the  sale of  investments  increased  $1,460,281  to
$2,054,196 in 2002.


                                       14
<PAGE>



ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS (Continued)

The Company recorded earnings in limited partnerships of $1,069,142 in the first
quarter of 2002,  compared to losses of $964,878 during the same period in 2001.
The 2002  increase  in  earnings  is the  result  of a  steadier  income  stream
generated by the Company's  fixed income and real estate  limited  partnerships.
The  losses in the first  quarter  of 2001 were  largely  the  result of reduced
profitability   of  the  Company's   investments   in  private   equity  limited
partnerships.  In December 2001, the Company sold its interest in private equity
limited partnerships to the Erie Insurance Exchange.

BENEFITS AND EXPENSES

Analysis of Policy-related Benefits and Expenses

Interest  expense  incurred  on  deposits  increased  $1,292,242,  or 12.9%,  to
$11,303,920 in the first quarter of 2002.  This increase is primarily the result
of an  increase  in new annuity  deposits  and a decrease in annuity  surrenders
during the twelve month period ended March 31, 2002, when compared to the twelve
month period  ended March 31,  2001.  In 2001,  the  interest  rate  credited on
annuity  deposits  ranged from 5.0% to 6.25% and the rate  credited on universal
life  deposits  ranged  from 6.0% to 6.75%.  During  the first  quarter of 2002,
interest  rates were  lowered on both  annuity and  universal  life  deposits in
response to decreasing new money investment  yields.  For the first quarter 2002
the new interest  rate credited on annuity  deposits  ranged from 4.75% to 5.50%
and the new rate credited on universal life deposits ranged from 5.5% to 6.25%.

The liability for future life policy  benefits is computed  considering  various
factors such as anticipated mortality, future investment yields, withdrawals and
anticipated credit for reinsurance.  The increase in future life policy benefits
totaled  $2,565,102 in the first quarter of 2002,  compared to $1,688,249 in the
first quarter of 2001,  an increase of 51.9%.

Amortization of deferred policy  acquisition  costs decreased 2.1% to $1,611,417
in the first  quarter of 2002,  due to better than expected  persistency  of new
business.

Analysis of Other Expenses

Total operating expenses, excluding taxes, licenses and fees, increased 24.0% to
$3,639,196  for the first  quarter  2002,  compared to  $2,935,772  for the same
period in 2001.  Certain operating  expenses of the Company are paid by the Erie
Indemnity Company,  the management Company of the Erie Insurance  Exchange,  and
reimbursed monthly by the Company. Additionally, a portion of the Erie Insurance
Group common overhead  expenses  attributable to the Company are also reimbursed
monthly. These expenses comprise the majority of the Company's general expenses.

General  expenses,  a component of total operating  expenses,  include wages and
salaries,  Employee benefits,  data processing expenses,  occupancy expenses and
other office and general administrative expenses of the Company. Certain general
expenses of the Company,  related to the  acquisition  and  underwriting  of new
policies, are deferred as policy acquisition costs (DAC). Medical inspection and
exam fees  related to new  business  production,  wages,  salaries  and Employee
benefits of underwriting personnel, and salaries,  employee benefits and bonuses
paid to branch sales Employees for the production of life and annuity  business,
are all deferred.

General expenses,  net of DAC, increased  $351,875,  or 15.0%, to $2,694,707 for
the quarter  ended March 31, 2002.  Expenses  relating to an increase in Company
staffing levels, including salaries, benefits and office equipment,  contributed
to this increase. In addition, in 2002, the Company is being allocated a portion


                                       15
<PAGE>



ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS (Continued)


of the  expenses  relating  to the  Erie  Insurance  Group's  eCommerce  program
launched in June 2001.  These  expenses  totaled  approximately  $102,000 in the
first  quarter 2002 and will  continue to be incurred  through  2003.  (See also
"Factors That May Affect Future Results.")

Another  component of total  operating  expenses is  commissions  to independent
Agents. Direct commission costs include new and renewal commissions,  production
bonuses and promotional  incentives to Agents.  These direct commission expenses
are reported on the Statements of Operations  net of  commissions  received from
reinsurers.  The reported  expense is also  affected by the amount of commission
expenses  capitalized  as DAC.  Commissions,  which  vary  with and are  related
primarily  to the  production  of new  business,  have  been  deferred  and  are
capitalized  as  DAC.  Most  first-year  and  incentive   commissions  and  some
second-year  commissions  qualify for deferral as DAC. For the first  quarter of
2002, net commission  expense  increased  $351,549 to $944,489,  compared to the
first quarter of 2001. Renewal commissions, very little of which is eligible for
the DAC, are up $85,023 in 2002.

FINANCIAL CONDITION

Investments

The Company's  investment  strategies are designed and portfolios are structured
to match the features of the life  insurance  and annuity  products  sold by the
Company.   Annuities  and  life  insurance  policies  are  long-term   products,
therefore,  the  Company's  investment  strategy  takes a long-term  perspective
emphasizing  investment  quality,   diversification,   and  superior  investment
returns.  The Company's  investments are managed on a total return approach that
focuses on current income and capital appreciation.

The Company's invested assets are sufficiently liquid to meet commitments to our
Policyholders.  At March 31, 2002, the Company's investment portfolio consisting
of cash,  investment  grade bonds,  common stock and  preferred  stock,  totaled
$950.8 million or 83.2% of total assets.  These resources  provide the liquidity
the Company requires to meet known and unforeseen demands on its funds.

At March 31, 2002, the amortized cost of the Company's five largest  investments
in corporate debt securities  totaled $38.9 million,  none of which individually
exceeded $9.9 million. These investments had a market value of $38.7 million.

The Company  reviews the investment  portfolio to evaluate  positions that might
incur  other-than-temporary  declines in value.  For  all  investment  holdings,
general  economic  conditions  and/or  conditions   specifically  affecting  the
underlying  issuer or its industry are  considered in  evaluating  impairment in
value. In addition to specific  factors,  the primary factors  considered in the
Company's review of investment valuation are the length of time the market value
is below cost and the amount the market value is below cost.

For common equity  securities where the decline in market value is more than 20%
below cost for a period  exceeding six months,  there is a strong  indication of
other-than-temporary impairment. Under these circumstances the Company considers
market  conditions,  industry  characteristics  and  the  fundamental  operating
results of the issuer before deciding  whether to sell the investment at a loss,
to recognize an impairment  charge to  operations  or to do neither.  For common
equity  securities  that have  declined  more  than 20% below  cost for a period
exceeding twelve months, the position is presumed impaired and is either sold or
recognized as impaired in the Statements of Operations.


                                       16
<PAGE>




ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS (Continued)

For fixed maturity investments,  the Company individually analyzes all positions
whose market value have declined more than 20% below cost for a period exceeding
six months.  The Company considers market conditions,  industry  characteristics
and the fundamental  operating results of the issuer to determine if the decline
is due to changes in  interest  rates,  changes  relating to a decline in credit
quality, or other issues affecting the investment.  Positions that have incurred
market price decline of over 20% for a period  greater than six months where the
creditworthiness  of the  issuer or other  factors  indicate  a decline  that is
other-than-temporary  are either sold or recognized as impaired and reflected as
a charge to the Company's operations.

There  were no  impairments  recognized  in the first  quarters  of 2002 or 2001
related to equity  security  or fixed  maturity  investments.  If the  Company's
policy for determining the recognition of impaired positions were different, the
Company's  Statements of Financial  Position and Results of Operations  could be
significantly impacted.  Management believes its investment valuation philosophy
and accounting  practices result in appropriate and timely  measurement of value
and recognition of impairment.

The Company's investments are subject to certain risks,  including interest rate
and price risk.  The Company  monitors  exposure to interest  rate risk  through
periodic reviews of asset and liability  positions.  Estimates of cash flows and
the impact of interest rate  fluctuations  relating to the investment  portfolio
are monitored regularly.

The Company's portfolio of marketable equity securities, which is carried on the
Statements of Financial  Position at estimated fair value, has exposure to price
risk,  the risk of potential  loss in  estimated  fair value  resulting  from an
adverse  change  in  prices.  The  Company's  objective  is to earn  competitive
relative  returns by investing in a diverse  portfolio of  high-quality,  liquid
securities.  Portfolio characteristics are analyzed regularly and market risk is
actively  managed  through a  variety  of  techniques.  Portfolio  holdings  are
diversified  across industries and concentrations in any one company or industry
are limited by parameters  established  by Company  management  and the Board of
Directors.

Reserve Liabilities

The Company's primary commitment is its obligation to meet the payment of future
policy benefits under the terms of its life insurance and annuity contracts.  To
meet these future  obligations,  the Company establishes life insurance reserves
based upon the type of policy,  the age of the insured,  and the number of years
the policy has been in force. The Company also establishes annuity and universal
life reserves  based on the amount of  Policyholder  deposits  (less  applicable
policy charges) plus interest earned on those deposits. These life insurance and
annuity   reserves  are  supported   primarily  by  the   Company's   long-term,
fixed-income  investments,  as the underlying policy reserves are generally also
of a long-term nature.

LIQUIDITY AND CAPITAL RESOURCES

Liquidity is a measure of the  Company's  ability to secure  enough cash to meet
its contractual obligations and operating needs.  Generally,  insurance premiums
are  collected  prior to claims and  benefit  disbursements  and these funds are
invested  to  provide  necessary  cash  flows in  future  years.  The  Company's
liquidity  position remains strong as invested assets increased by more than $38
million during the first three months of 2002 to $908 million.


                                       17
<PAGE>



ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS (Continued)


Annuity  and  universal  life  deposits,  which do not  appear as revenue on the
financial  statements,  are a source of funds.  These  deposits do not involve a
mortality or morbidity  risk and are accounted  for using methods  applicable to
comparable   "interest-bearing   obligations"   of  other  types  of   financial
institutions.  This method of accounting  records deposits as a liability rather
than as a revenue.  Annuity and universal life deposits were  $33,718,849 in the
first  quarter  of 2002 and  $16,676,624  in the  first  quarter  of  2001.  The
increased  volatility  in the equity  markets  has  continued  to help  increase
annuity  sales as well as stem the flow of  annuity  surrenders.  Surrenders  on
annuities  decreased 52.2% for the quarter ended March 31, 2002, compared to the
same period last year.

The Company's  current  commitments  for  expenditures  as of March 31, 2002 are
primarily for policy death benefits, policy surrenders and withdrawals,  general
operating  expenses,  federal income taxes,  and dividends to  Shareholders.  In
addition,  the Company has outstanding  commitments to invest up to $5.9 million
in its real estate limited  partnerships  at March 31, 2002.  These  commitments
will be funded as required through the end of the respective investment periods,
which  typically  span 3-5 years and  principally  expire in 2005.  All  Company
commitments  are met by cash flows from policy  revenue,  annuity and  universal
life  deposits and  investment  income.  Management  believes its cash flow from
liquid assets and marketable securities will also enable the Company to meet any
foreseeable cash requirements. As an added measure of liquidity, the Company has
arranged for a $10 million line of credit with a commercial  bank.  At March 31,
2002 and 2001, there were no borrowings on this line of credit.

The Company's 2001 year-end Risk Based Capital Analysis as reflected in its 2001
statutory  annual  statement shows total adjusted  capital of  $125,855,531  and
authorized  control level risk based capital of  $15,508,309.  These results are
indicative of the strong capital  position of the Company and are well in excess
of levels that would require regulatory action.

FACTORS THAT MAY AFFECT FUTURE RESULTS

Interest Rate Environment

The Company's  deposit-type  products  compete with a wide variety of investment
options. Among other factors affecting the investment decisions of Policyholders
and  potential   Policyholders  are  general   investment   market   conditions,
particularly  the market  interest rate  environment.  Changes in interest rates
affect pricing and the relative attractiveness of interest-sensitive  investment
options,  which  bears  directly  on the  ability of the  Company to attract new
Policyholders and retain existing holders of annuity, universal life and certain
permanent life insurance products.

Information Technology Costs

In 2001, the Erie Insurance Group,  including the Company, began a comprehensive
program of eCommerce  initiatives  in support of the Group's  business  model of
distributing  insurance products  exclusively  through  independent  Agents. The
program includes significant  information technology hardware and infrastructure
expenditures.  It is intended  to improve  service  and  efficiency,  as well as
result in increased  sales.  Current  estimates of expenditures  for the initial
phase of the program spanning three years approximate $175 million.  The cost of
these  initiatives  will be shared among member  companies of the Erie Insurance
Group,  including  the Company.  Based on current  estimates,  the after-tax net
income of the Company  will be reduced by between  $0.04 and $0.06 per share for
2002.


                                       18
<PAGE>



ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS (Continued)


Terrorist Actions

The Company is exposed to direct losses arising from possible  future  terrorist
actions. Additionally, current and future proposed federal measures might affect
the way the  life  insurance  industry  handles  losses  from  potential  future
terrorist  actions.  These proposals may include the  establishment of a federal
reinsurance  program for losses from terrorist  actions and possible  changes to
the tax laws governing the taxation of insurance companies. The Company may have
possible exclusions that would arise from future potential terrorist actions.

The Company's substantial portfolio of equity and fixed income investments could
also be affected by  potential  future  terrorist  actions  which may affect the
level of economic activity as well as investor confidence in the U.S.

Item 3. Quantitative and Qualitative Disclosures About Market Risk

The Company's  exposure to market risk is primarily  related to  fluctuations in
prices and interest rates. Quantitative and qualitative disclosures about market
risk  resulting  from changes in prices and interest  rates are included in Item
7A. in the  Company's  2001  Annual  Report  on Form  10-K.  There  have been no
material  changes in such risks or the Company's  periodic  reviews of asset and
liability   positions  during  the  three  months  ended  March  31,  2002.  The
information contained in the Investments section of Management's  Discussion and
Analysis of Financial Condition and Results of Operations is incorporated herein
by reference.








"Safe Harbor"  Statement Under the Private  Securities  Litigation Reform Act of
1995:  Certain  forward-looking  statements  contained  herein involve risks and
uncertainties. Many factors could cause future results to differ materially from
those discussed. Examples of such factors include but are not limited to: better
(or worse) mortality rates, terrorist actions,  changes in insurance regulations
or legislation  that  disadvantage the Company in the marketplace and recession,
economic  conditions  or stock market  changes  affecting  pricing or demand for
insurance products or ability to generate investment income and returns.  Growth
and profitability  have been, and will be,  potentially  materially  affected by
these and other factors.


                                       19
<PAGE>



PART II.  OTHER INFORMATION

Item 4.  Submission of Matters to a Vote of Security Holders

On April 30, 2002, the Registrant held its Annual Meeting of Shareholders:

A. The  following  Directors  were  elected  for a  one-year  term  and  until a
   successor is elected and qualified:

           Samuel P. Black, III           Claude C. Lilly, III
           J. Ralph Borneman, Jr.         Stephen A. Milne
           Patricia Garrison-Corbin       Henry N. Nassau
           Susan Hirt Hagen               John M. Petersen
           F. William Hirt                Jan R. Van Gorder, Esq.
           Samuel P. Katz                 Robert C. Wilburn

B. The  following  other matter was voted upon at the meeting and the  following
   number of votes were cast with respect to such matter:

          The proposal to ratify the  selection  of Malin,  Bergquist & Company,
          LLP as independent  public  accountants to perform the annual audit of
          the Company financial statements for the year ending December 31, 2002
          was ratified.  This proposal  received  8,465,380  affirmative  votes,
          2,443 negative votes with 160,763 abstentions.

ITEM 5.    Other Information

On May 8, 2002,  Jeffrey A. Ludrof was named the President  and Chief  Executive
Officer of the Erie Insurance  Group,  which  includes the Company.  He replaces
Stephen A. Milne who retired on January 18, 2002.

ITEM 6.  Exhibits and Reports on Form` 8-K

The Company did not file any reports on Form 8-K during the  three-month  period
ended March 31, 2002.


                                       20
<PAGE>



                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                               Erie Family Life Insurance Company
                                           (Registrant)


Date: May 10, 2002             /s/ Jeffrey A. Ludrof
                              (Jeffrey A. Ludrof, President & CEO)


                               /s/ Philip A. Garcia
                              (Philip A. Garcia, Executive Vice President & CFO)