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

                                    ---------

                                    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:   December 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: 333-74674-13


                   CWMBS, Inc., Alternative Loan Trust 2002-8
               Mortgage Pass-Through Certificates, Series 2002-13
             (Exact name of Registrant as specified in its charter)


         Delaware                                       95-4449516
------------------------                    -----------------------------------
(State or other jurisdiction of             (IRS Employer Identification Number)
incorporation or organization)

c/o   Countrywide Home Loans Servicing LP
      4500 Park Granada
      Calabasas, California                               91302
---------------------------------------     -----------------------------------
(Address of principal executive offices)               (Zip Code)

Registrant's telephone number, including area code:   (818) 225-3000
                                                      --------------

Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
                                                             ----


<PAGE>


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 by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K ( ss.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. [ ]

Indicate by check mark  whether the  registrant  is an  accelerated  filer (as
defined in Rule 12b-2 of the Act. Yes      No X
                                     ---     ---

State the aggregate  market value of the voting and  non-voting  common equity
held by non-affiliates of the Registrant: Not applicable
                                          --------------

Indicate the number of shares outstanding of each of the registrant's  classes
of common stock, as of December 31, 2002:    Not applicable
                                             --------------


                                      2
<PAGE>


DOCUMENTS INCORPORATED BY REFERENCE

                                     None.

                                 *     *     *


     This Annual Report on Form 10-K (the "Report") is filed with respect to
the trust fund entitled Alternative Loan Trust 2002-8 (the "Trust Fund")
formed pursuant to the pooling and servicing agreement dated as of June 1,
2002 (the "Pooling and Servicing Agreement") among CWMBS, Inc., as depositor
(the "Company"), Countrywide Home Loans, Inc., as seller (the "Seller"),
Countrywide Home Loans Servicing LP, as master servicer (the "Master
Servicer"), and The Bank of New York, as trustee (the "Trustee"), for the
issuance of CWMBS, Inc., Mortgage Pass-Through Certificates, Series 2002-13
(the "Certificates"). Certain information otherwise required to be included in
this Report by the Instructions to Form 10-K has been omitted in reliance on
the relief granted to the Company in CWMBS, Inc. (February 3, 1994) (the
"Relief Letter").


                                       3
<PAGE>


                                    PART I


ITEM 1.     BUSINESS

            Not applicable.  See the Relief Letter.

ITEM 2.     PROPERTIES

            Not applicable.  See the Relief Letter.

ITEM 3.     LEGAL PROCEEDINGS

            There were no material pending legal proceedings relating to the
            Trust Fund to which any of the Trust Fund, the Trustee, the Master
            Servicer or the Company was a party or of which any of their
            respective properties was the subject during the fiscal year covered
            by this Report, nor is the Company aware of any such proceedings
            contemplated by governmental authorities.

ITEM 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

            No matter was submitted to a vote of Certificateholders, and no
            Certificateholder consent was solicited during the fiscal year
            covered by this Report.


                                       4
<PAGE>


                                    PART II


ITEM 5.     MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER
            MATTERS

            (a)   Market Information. There is no established public trading
                  market for the Certificates.

            (b)   Holders. As of December 31, 2002 there were less than 300
                  holders of record of the Certificates.

            (c)   Dividends. Not applicable. See the Relief Letter.
                  (Information as to distributions to Certificateholders is
                  provided in the Registrant's monthly filings on Form 8-K.)

            (d)   Securities Authorized for Issuance Under Equity Compensation
                  Plans. Not applicable.

            (e)   Item 701 of Regulation S-K. Not applicable. See the Relief
                  Letter.

            (f)   Rule 463 of the Securities Act of 1933. Not applicable. See
                  the Relief Letter.

ITEM 6.     SELECTED FINANCIAL DATA

            Not applicable.  See the Relief Letter.

ITEM 7.     MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
            RESULTS OF OPERATIONS

            Not applicable.  See the Relief Letter.

ITEM 7A     QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

            Not applicable.

ITEM 8.     FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

            Not applicable.  See the Relief Letter.

ITEM 9.     CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
            FINANCIAL DISCLOSURE

            None.


                                       5
<PAGE>


                                   PART III


ITEM 10.    DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

            Not applicable.  See the Relief Letter.

ITEM 11.    EXECUTIVE COMPENSATION

            Not applicable.  See the Relief Letter.

ITEM 12.    SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

            Information required by Item 201(d) of Regulation S-K: Not
            applicable.

            Information required by Item 403 of Regulation S-K:

            (a) Not applicable. See the Relief Letter.

            (b) Not applicable. See the Relief Letter.

            (c) Not applicable. See the Relief Letter.

ITEM 13.    CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

            Not applicable.  See the Relief Letter.

ITEM 14.    CONTROLS AND PROCEDURES

            Not applicable. The Registrant is an Asset-Backed Issuer (as defined
            in Exchange Act Rules 13a-14(g) and 15d-14(g)) and is therefore not
            required to disclose information under Item 307 of Regulation S-K.
            See paragraph (c) of Item 307 of Regulation S-K.


                                       6
<PAGE>


                                    PART IV


ITEM 15.    EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

            (a)  (1)    Pursuant to the Pooling and Servicing Agreement, the
                        Master Servicer is required (i) to deliver an annual
                        statement as to compliance with the provisions of the
                        Pooling and Servicing Agreement and certain other
                        matters (the "Annual Statement of the Master Servicer")
                        and (ii) to cause a firm of independent public
                        accountants to deliver an annual report as to
                        compliance with the servicing provisions of the Pooling
                        and Servicing Agreement (the "Annual Report of the Firm
                        of Accountants"). The Annual Statement of the Master
                        Servicer is attached as Exhibit 99.1 to this Report.
                        The Annual Report of the Firm of Accountants is
                        attached as Exhibit 99.2 to this Report. See Relief
                        Letter.

                  (2)   Not applicable.

                  (3)   The required exhibits are as follows:

                        o   Exhibit 3(i): Copy of Company's Certificate of
                            Incorporation (Filed as an Exhibit to Registration
                            Statement on Form S-3 (File No. 33-63714)).

                        o   Exhibit 3(ii): Copy of Company's By-laws (Filed as
                            an Exhibit to Registration Statement on Form S-3
                            (File No. 33-63714)).

                        o   Exhibit 4: Pooling and Servicing Agreement (Filed as
                            part of the Registrant's Current Report on Form 8-K
                            filed on September 11, 2002).

                        o   Exhibit 99.1: Annual Statement of the Master
                            Servicer.

                        o   Exhibit 99.2: Annual Report of the Firm of
                            Accountants.

            (b) Current Reports on Form 8-K filed during the last quarter ending
            December 31, 2002:


            Date of Current Report                    Item Reported
            ----------------------                    -------------

            September 25, 2002             Monthly report sent to
                                           certificateholders with the
                                           September 2002 distribution

            October 25, 2002               Monthly report sent to
                                           certificateholders


                                       7
<PAGE>


                                           with the October 2002 distribution

            November 25, 2002              Monthly report sent to
                                           certificateholders with the
                                           November 2002 distribution


            (c) See subparagraph (a)(3) above.

            (d) Not applicable. See the Relief Letter.


                                       8
<PAGE>


                                  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.

                              CWMBS, INC.,
                              ALTERNATIVE LOAN TRUST, 2002-8, MORTGAGE
                              PASS-THROUGH CERTIFICATES, SERIES 2002-13

                              By:   Countrywide Home Loans Servicing LP,
                                    as Master Servicer*

                              By:   Countrywide GP, Inc.


                              By:   /s/ Joseph M. Candelario
                                    ---------------------------
                                    Name:  Joseph M. Candelario
                                    Title: First Vice President

                              Date: March 27, 2003









-------------------

*     This Report is being filed by the Master Servicer on behalf of the Trust
      Fund. The Trust Fund does not have any officers or directors.


                                      9
<PAGE>


                                  CERTIFICATION


         I, Richard DeLeo, certify that:

         1. I have reviewed this annual report on Form 10-K, and all reports on
         Form 8-K containing distribution and servicing reports filed in respect
         of periods included in the year covered by this annual report, of
         CWMBS, Inc., Alternative Trust 2002-8, Mortgage Pass-Through
         Certificates, Series 2002-13;

         2. Based on my knowledge, 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 this annual
         report;

         3. Based on my knowledge, the distribution or servicing information
         required to be provided to the trustee by the master servicer under the
         pooling and servicing, or similar, agreement, for inclusion in these
         reports is included in these reports;

         4. I am responsible for reviewing the activities performed by the
         master servicer under the pooling and servicing, or similar, agreement
         and based upon my knowledge and the annual compliance review required
         under that agreement, and except as disclosed in the reports, the
         master servicer has fulfilled its obligations under that agreement; and

         5. The reports disclose all significant deficiencies relating to the
         master 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
         pooling and servicing, or similar, agreement, that is included in these
         reports.

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


         Date: March 27, 2003


                                          /s/ Richard De Leo
                                          ------------------
                                          Richard De Leo
                                          Managing Director


                                      10
<PAGE>


      SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES
PURSUANT TO SECTION 12 OF THE ACT.

      No such annual report, proxy statement, form of proxy or other soliciting
material has been sent to Certificateholders. See the Relief Letter.


                                      11
<PAGE>


                                  EXHIBIT INDEX


                                                                    Sequential
Exhibit Document                                                   Page Number
------- --------                                                   -----------


3(i)        Company's Certificate of Incorporation (Filed
            as an Exhibit to Registration Statement on
            Form S-3 (File No. 33-63714)) *

3(ii)       Company's By-laws (Filed as an Exhibit to Registration
            Statement on Form S-3 (File No. 33-63714))  *

4           Pooling and Servicing Agreement (Filed as part
            of the Company's Current Report on Form 8-K filed
            on September 11, 2002)   *

99.1        Annual Statement of the Master Servicer.........................13

99.2        Annual Report of the Firm of Accountants........................15





------------------

*     Incorporated herein by reference.


                                      12