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