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UNITED STATES


SECURITIES AND EXCHANGE COMMISSION


Washington, D.C. 20549





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FORM 10-K


(Mark One)


|x |  | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|- |  | -------------------------------------------------------------------------------------




| |  | For the fiscal year ended September 30, 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 000-31248





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Oakwood Mortgage Investors, Inc,


OMI TRUST
2002-B


(Exact name of registrant as specified in its charter)





North Carolina

52-2381241State or other jurisdiction of incorporation or organization

(I.R.S. Employer Identification
No.)





c/o J P Morgan Chase & Co. Attention: Craig M Kantor 4 New York Plaza, 6th floor New York, NY

10004-2413(Address of principal executive offices)

(Zip Code)





Registrants telephone number, including area code (212) 623-5356





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Securities registered
pursuant to Section 12(b) of the Act:


None





Securities registered pursuant to Section 12(g) of the Act:


None





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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.  x  Yes  ̈ No





Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not
contained herein, and will not be contained, to the best of registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  x





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Senior Subordinated Pass through Certificates Series 2002-B


Oakwood Mortgage Investors, Inc.


Manufactured Housing Contract Senior/Subordinated


Pass-Through Certificates, Series 2002-B





FORM 10-K


INDEX





PART I.Item 1.

BusinessItem 2.

PropertiesItem 3.

Legal ProceedingsItem 4.

Submission of Matters to a Vote of Security HoldersPART II.Item 1.

Market for Registrants Common Equity and Related Stockholder MattersItem 2.

Selected Financial DataItem 3.

Managements Discussion and Analysis of Financial Condition and Results of OperationsItem 4.

Financial Statements and Supplementary DataItem 5.

Changes In and Disagreements With Accountants on Accounting and Financial DisclosurePART III.Item 1.

Directors and Executive Officers of the RegistrantItem 2.

Executive CompensationItem 3.

Security Ownership of Certain Beneficial Owners and ManagementItem 4.

Certain Relationships and Related TransactionsPART IV.Item 1.

Exhibits, Financial Statement Schedules and Reports on Form 8-KSIGNATURESINDEX OF EXHIBITS












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PART I





Item 1.    Business.





Not Applicable.





Item 2.    Properties.





Not Applicable.





Item
3.    Legal Proceedings.





Not Applicable.





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





Not Applicable.





PART II





Item 5.    Market for Registrants Common Equity and Related Stockholder Matters.





At the end of the Registrants fiscal year, there were a total of 52holders of the Registrants Series 2002-B
Manufactured Housing Contract Senior/Subordinated Pass-Through Certificates, Class A-1, Class A-2, Class A-3, Class A-4, Class A-I0, Class M-1, Class M-2, Class B-1, Class B-2 (collectively, the Certificates).





Item 6.    Selected Financial Data.





Not Applicable.





Item
7.    Managements Discussion and Analysis of Financial Condition and Results of Operation.





Not Applicable.





Item 8.    Financial Statements and Supplementary Data.





Not Applicable.





|Item |  | 9.    Changes in and Disagreements With Accountants on Accounting and Financial Disclosure.
|---- |  | -------------------------------------------------------------------------------------------




Not Applicable.





PART III





Item 10.    Directors and Executive Officers of
the Registrant.





Not Applicable.






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Item 11.    Executive Compensation.





Not Applicable.





Item 12.    Security Ownership of Certain Beneficial Owners and Management.





Not Applicable.





Item 13.    Certain Relationships and Related Transactions.





Not Applicable.





PART IV





Item 14.    Exhibits,
Financial Statement Schedules, and Reports on Form 8-K.





Exhibits99.1

Annualized Remittance Report.99.2

Annual Report of Registrants Independent Certified Public Accountants as Required by Section 3.13(b) of Oakwood Mortgage Investors, Inc.s
Standard Terms to Pooling and Servicing Agreement (September 2001 Edition).99.3

Servicers Annual Compliance Statement as Required by Section 3.13(a) of Oakwood Mortgage Investors, Inc.s Standard Terms to Pooling and Servicing
Agreement (September 2001 Edition)99.4

Servicers Compliance Statement as Required by the Sarbanes-Oxley Act.






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SIGNATURES





Pursuant to the requirements of Section 13 or 15(d) 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.





Senior Subordinated Pass Through Certificates Series 2002-B, Registrant





:





By:  OAKWOOD ACCEPTANCE CORPORATION, LLC as servicer





Date:  December 17, 2002



/s/  Derek M SuretteDerek M Surette Vice President/ Controller






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INDEX OF EXHIBITS








Page of Sequentially Numbered
Pages99.1

Annualized Remittance Report.99.2

Annual Report of Registrants Independent Certified Public Accountants as Required by Section 3.13(b) of Oakwood Mortgage Investors, Inc.s
Standard Terms to Pooling and Servicing Agreement (September 2001 Edition).99.3

Servicers Annual Compliance Statement as Required by Section 3.13(a) of Oakwood Mortgage Investors, Inc.s Standard Terms to Pooling and Servicing
Agreement (September 2001 Edition)99.4

Servicers Compliance Statement as Required by the Sarbanes-Oxley Act.