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: 333-97873
                                              ---------

                                   CWABS, Inc.
                   CWABS Master Trust, Series 2002-H Subtrust,
        Revolving Home Equity Loan Asset Backed Securities, Series 2002-H
        -----------------------------------------------------------------
             (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   Bank One, National Association
      1 Bank One Plaza
      Suite IL1-0126
      Chicago, Illinois                                  60670
---------------------------------------    ----------------------------------
(Address of principal executive offices)               (Zip Code)

Registrant's telephone number, including area code:   (312) 407-1902
                                                      --------------

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
a trust entitled CWABS Master Trust (the "Master Trust"), a business trust
formed under the laws of the State of Delaware pursuant to the master trust
agreement (the "Master Trust Agreement"), dated as of August 28, 2000, between
CWABS, Inc., as depositor, and Wilmington Trust Company, as owner trustee (the
"Owner Trustee"), and the subtrust created under the Master Trust entitled the
Series 2002-H Subtrust (together with the Master Trust, the "Trust"), formed
pursuant to a Series 2002-H Trust Supplement, dated as of November 27, 2002
(the "Series Trust Supplement"), among CWABS, Inc. (the "Company") and the
Owner Trustee, for the issuance of CWABS, Inc., Revolving Home Equity Loan
Asset Backed Securities, Series 2002-H (the "Securities"), issued pursuant to
an Indenture, dated November 27, 2002 (the "Indenture"), between the Master
Trust and Bank One, National Association, as indenture trustee (the
"Trustee"). The assets of the Trust will be comprised of assets received
pursuant to a sale and servicing agreement, dated November 27, 2002 (the "Sale
and Servicing Agreement") among the Company, as depositor, Countrywide Home
Loans, Inc., as sponsor and master servicer (the "Master Servicer"), the
Master Trust and the Trustee, as indenture trustee. 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 Commission 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").


                                      3
<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 to which any of the Trust, 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 Securityholders, and no
            Securityholder 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 Securities.

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

            (c)   Dividends. Not applicable. See the Relief Letters.
                  (Information as to distributions to Securityholders 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.


                                       6
<PAGE>


                                    PART IV


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

            (a)   (1)   Pursuant to the Sale and Servicing Agreement, the
                        Master Servicer is required (i) to deliver an annual
                        statement as to compliance with the provisions of the
                        Sale 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 Sale 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(i): Sale and Servicing
                        Agreement (Filed as part of the Registrant's Current
                        Report on Form 8-K filed on February 6, 2003).

                                          Exhibit 4(ii): Indenture (Filed as
                        part of the Registrant's Current Report on Form 8-K
                        filed on February 6, 2003).

                                          Exhibit 99.1:  Annual Statement of
                        the Master Servicer.

                                          Exhibit 99.2:  Annual Report of the
                        Firm of Accountants.

                                          Exhibit 99.3:  Audited financial
                        statements of Financial Guaranty Insurance Company
                        (The Registrant hereby undertakes to file the
                        financial statements of Financial Guaranty Insurance
                        Company as an Exhibit to Form 10-K/A amending this
                        Form 10-K promptly following the date on which such
                        financial statements become available).



                                       7
<PAGE>


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


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

            November 19, 2002              Computational Materials of
                                           Countrywide Securities Corporation

            November 27, 2002              Description of the Notes and the
                                           Mortgage Pool

            November 27, 2002              Filing of Form T-1 to designate
                                           Bank One, National Association to
                                           act as eligible trustee

            November 27, 2002              Audited financial statements of
                                           Financial Guaranty Insurance Company

            December 13, 2002              Description of the Mortgage Pool


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

            (d) Not applicable. 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.,
                              CWABS MASTER TRUST, SERIES 2002-H SUBTRUST,
                              REVOLVING HOME EQUITY LOAN ASSET BACKED
                              SECURITIES, SERIES 2002-H

                              By:   Bank One, National Association,
                                   as Trustee*


                              By:   /s/ Barbara Grosse
                                    ------------------------
                                    Name:  Barbara G. Grosse
                                    Title:  Vice President

                              Date: March 27, 2003





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

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


                                       9
<PAGE>


                                 CERTIFICATION



         I, Barbara G. Grosse, 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
         Master Trust (for the Series 2002-H Subtrust);

         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. Based on my knowledge and upon the annual compliance statement
         included in the report and required to be delivered to the trustee in
         accordance with the terms of the pooling and servicing, or similar,
         agreement, and except as disclosed in the reports, the servicer has
         fulfilled its obligations under the servicing 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:
         Countrywide Home Loans, Inc.


         Date: March 27, 2003

                                                  /s/ Barbara G. Grosse
                                                  ---------------------
                                                  Barbara G. Grosse
                                                  Vice President


                                      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 Securityholders. 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(i)        Sale and Servicing Agreement (Filed as part
            of the Company's Current Report on Form 8-K
            filed on February 6, 2003) *

4(ii)       Indenture (Filed as part of the Registrant's  Current Report on
            Form 8-K filed on February 6, 2003).

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

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

1




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

*     Incorporated herein by reference.


                                      12