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: 333-73712-11


                                  CWABS, Inc.
                   Asset-Backed Certificates, Series 2002-2
                   ----------------------------------------
            (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
                                          --------------



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<PAGE>

DOCUMENTS INCORPORATED BY REFERENCE

                                      None.

                               *       *       *


     This Annual Report on Form 10-K (the "Report") is filed with respect to
the trust fund entitled CWABS, Inc., Asset-Backed Certificates, Series 2002-2
(the "Trust Fund") formed pursuant to the pooling and servicing agreement
dated as of June 1, 2002 (the "Pooling and Servicing Agreement") among CWABS,
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 CWABS, Inc., Asset-Backed Certificates, Series 2002-2 (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 by the Comission to other companies in similar circumstances,
including, but not limited to, the relief granted to the CWMBS, Inc. (February
3, 1994) (collectively, the "Relief Letters").



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<PAGE>

                                    PART I


ITEM 1.   BUSINESS

          Not  applicable. See the Relief Letters.

ITEM 2.   PROPERTIES

          Not applicable. See the Relief Letters.

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 Letters. 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
                Letters.

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

ITEM 6.   SELECTED FINANCIAL DATA

          Not applicable. See the Relief Letters.

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

          Not applicable. See the Relief Letters.

ITEM 7A   QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

          Not applicable.

ITEM 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

          Not applicable. See the Relief Letters.

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 Letters.

ITEM 11.  EXECUTIVE COMPENSATION

          Not applicable. See the Relief Letters.

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 Letters.

          (b)   Not applicable. See the Relief Letters.

          (c)   Not applicable. See the Relief Letters.

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

          Not applicable. See the Relief Letters.

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.



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<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 Letters.

              (2)   Not applicable.

              (3)   The required exhibits are as follows:

                                   Exhibit 3(i): Copy of Company's Certificate
                    of Incorporation (Filed as an Exhibit to Registration
                    Statement on Form S-3 (File No. 33-11095)).

                                   Exhibit 3(ii): Copy of Company's By-laws
                    (Filed as an Exhibit to Registration Statement on Form S-3
                    (File No. 33-11095)).

                                   Exhibit 4: Pooling and Servicing Agreement
                    (Filed as part of the Registrant's Current Report on Form
                    8-K filed on August 2, 2002).

                                   Exhibit 99.1: Annual Statement of the
                    Master Servicer.

                                   Exhibit 99.2: Annual Report of the Firm of
                    Accountants.



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<PAGE>

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


          Date of Current Report                        Item Reported
          ----------------------                        -------------
          June 7, 2002                      Description of the Mortgage Pool

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

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

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

          October 25, 2002                  Monthly report sent to
                                            certificateholders 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 Letters.

     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 Letters.



                                      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.

                                  CWABS, INC.,
                                  ASSET-BACKED CERTIFICATES, SERIES 2002-2

                                  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 CWABS, Inc., Asset-Backed Certificates, Series 2002-2;

          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 and Litton Loan Servicing LP.


          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 Letters.



                                      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. 33-11095)) *

3(ii)   Company's By-laws (Filed as an Exhibit to Registration Statement on
        Form S-3 (File No. 33-11095)) *

4       Pooling and Servicing Agreement (Filed as part of the Company's
        Current Report on Form 8-K filed on August 2, 2002) *

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

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














-----------
*    Incorporated herein by reference.



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