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: 333-73712-14
                                               ------------


                                   CWABS, Inc.
                   CWABS Master Trust, Series 2002-E Subtrust,
        Revolving Home Equity Loan Asset Backed Securities, Series 2002-E
        -----------------------------------------------------------------
             (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-E Subtrust (together with the Master Trust, the "Trust"), formed pursuant
to a Series 2002-E Trust Supplement, dated as of August 14, 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-E (the "Securities"), issued pursuant to an Indenture, dated August
14, 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 August 14, 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 October 18, 2002).

                                         Exhibit 4(ii): Indenture (Filed as
                    part of the Registrant's Current Report on Form 8-K filed
                    on October 18, 2002).

                                         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 for the year ended December 31, 2002 for MBIA
                    Inc. (Filed with the Securities and Exchange Commission
                    as part of MBIA Inc.'s Annual Report on Form 10-K for the
                    twelve-month period ended December 31, 2002).



                                       7
<PAGE>

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


          Date of Current Report                    Item Reported
          ----------------------                    -------------
          August 14, 2002            Filing of Form T-1 to designate Bank One,
                                     National Association to act as eligible
                                     trustee

          August 14, 2002            Desription of the Mortgage Pool

          October 15, 2002           Monthly report sent to securityholders
                                     with the October 2002 distribution

          November 15, 2002          Monthly report sent to securityholders
                                     with the November 2002 distribution

          December 3, 2002           Description of the Mortgage Pool

          December 16, 2002          Monthly report sent to securityholders
                                     with the December 2002 distribution


          (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-E SUBTRUST,
                                    REVOLVING HOME EQUITY LOAN ASSET BACKED
                                    SECURITIES, SERIES 2002-E

                                    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-E 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 October 18, 2002) *

4(ii)   Indenture (Filed as part of the Company's Current Report on Form 8-K
        filed on October 18, 2002)  *


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

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

99.3    Audited financial statements for the year ended December 31,
        2002 for MBIA Inc. (Filed with the Securities and Exchange Commission
        as part of MBIA Inc.'s Annual Report on Form 10-K for the twelve-month
        period ended December 31, 2002)   *













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

*  Incorporated herein by reference.


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