EXHIBIT 31.1

           Servicer's Sarbanes-Oxley Certification (2002 Transactions)

                   BANK OF AMERICA MORTGAGE SECURITIES, INC.,
                       MORTGAGE PASS-THROUGH CERTIFICATES,
                      SERIES SET FORTH ON EXHIBIT I HERETO

           I, Gary K. Bettin, a Senior Vice President of Bank of America, N.A.,
certify that:

1.   I have reviewed the annual reports on Form 10-K for the calendar year 2003
     and all monthly current reports on Form 8-K containing a copy of the
     monthly statement to certificateholders (the "Distribution Date
     Statements") delivered pursuant to Section 5.04(b) of the Pooling and
     Servicing Agreements listed on Exhibit I hereto (each, an "Agreement")
     filed in respect of periods included in the year covered by such annual
     reports of the trusts (each, a "Trust") formed pursuant to such Agreements;

2.   Based on my knowledge, with respect to each Trust, the information in these
     reports, taken as a whole, does not contain any untrue statement of a
     material fact or omit to state a material fact necessary to make the
     statements made, in light of the circumstances under which such statements
     were made, not misleading as of the last day of the period covered by such
     annual report;

3.   Based on my knowledge, the distribution or servicing information required
     to be provided to the trustee by the servicer under each Agreement for
     inclusion in the related Trust's Distribution Date Statements is included
     in these reports;

4.   I am responsible for reviewing the activities performed by the servicer
     under each Agreement and based upon my knowledge and the annual compliance
     review required under each Agreement, and except as disclosed in the
     reports, the servicer has fulfilled its obligations under each Agreement;

5.   The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards, based upon the
     report provided by an independent public accountant after conducting a
     review in compliance with the Uniform Single Attestation Program for
     Mortgage Bankers or similar procedure as set forth in the Agreement that is
     included in these reports; and

6.   In giving the certifications above, I have reasonably relied on information
     provided to me by the following unaffiliated party: The Bank of New York.

                                       By: /s/    Gary K. Bettin
                                       ------------------------------------
                                           Name:  Gary K. Bettin
                                           Title: Senior Vice President

<PAGE>
                                                                       EXHIBIT I


                PARTIES                    DATE OF POOLING         SERIES
                                                                  AGREEMENT

===============================================================================

Bank of America Mortgage Securities,    January 24, 2002           2002-A
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    January 24, 2002           2002-1
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    February 21, 2002          2002-B
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    February 21, 2002          2002-2
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    March 26, 2002             2002-3
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 25, 2002             2002-4
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 25, 2002             2002-C
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 26, 2002             2002-5
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    May 23, 2002               2002-D
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    May 23, 2002               2002-E
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 26, 2002              2002-F
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 25, 2002              2002-6
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 26, 2002              2002-G
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    July 25, 2002              2002-7
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    July 25, 2002              2002-H
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    August 27, 2002            2002-I
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 26, 2002         2002-J
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 27, 2002         2002-K
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    August 27, 2002            2002-8
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 26, 2002         2002-9
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    October 24, 2002, as       2002-10
Inc., Bank of America, N.A. and The     amended by Amendment
Bank of New York                        No. 1, dated January
                                        30, 2004