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                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 10-K

              [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 2003

             [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                      THE SECURITIES EXCHANGE ACT OF 1934

                         Commission File No.: 333-74756

                   NATIONAL CITY AUTO RECEIVABLES TRUST 2002-A
             (Exact name of registrant as specified in its charter)

                   DELAWARE                                         N/A
       (State or other jurisdiction                         (I.R.S. Employer
              of incorporation)                             Identification No.)

            NATIONAL CITY CENTER
           1900 EAST NINTH STREET
               CLEVELAND, OHIO                                   44114-3484
 (Address of principal executive offices)                        (ZIP Code)

                                 (216) 222-2000
              (Registrant's telephone number, including area code)

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

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

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 (S) 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. [ ]

                                 Not Applicable


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 computed by reference to the price at which the common equity
was last sold, or the average bid and asked price of such common equity, as of
the last business day of the registrant's most recently completed second fiscal
quarter.

                                 Not Applicable

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INTRODUCTORY NOTE

         This Annual Report on Form 10-K is filed with respect to National City
         Auto Receivables Trust 2002-A (the "Trust"), a trust formed under the
         laws of the state of Delaware pursuant to an amended and restated Trust
         Agreement, dated as of March 1, 2002, between National City Vehicle
         Receivables, Inc., as depositor, and Wilmington Trust Company, as owner
         trustee. The Trust issued $1,046,735,000 in aggregate principal
         amount of asset-backed notes, classes A-l, A-2, A-3, and A-4 (the
         "Notes") pursuant to an Indenture, dated as of March 1, 2002, between
         the Trust, as issuer, and the Bank of New York, as indenture trustee.
         Certain information otherwise required to be included in this Annual
         Report has been omitted, in reliance on the letter relief granted by
         the staff of the Securities and Exchange Commission to other companies
         in similar circumstances. Items designated herein as "Not Applicable",
         except for Item 14 for which disclosure is not required for
         asset-backed issuers, have been omitted as a result of this reliance.

                                     PART I

Item 1.  BUSINESS

         Not Applicable

Item 2.  PROPERTIES

         Not Applicable

Item 3.  LEGAL PROCEEDINGS

         There were no material pending legal proceedings relating to the Trust
         to which any of the Trust, the indenture trustee, the owner trustee,
         the servicer or the registrant was a party or which any of their
         respective properties was the subject during the fiscal year covered by
         this report, nor is the registrant aware of any such proceedings
         contemplated by governmental authorities.

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

         No vote or consent of the securityholders was solicited for any purpose
         during the year ended December 31, 2003.

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                                    PART II

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

         All of the Trust's beneficial interests are held by National City
         Vehicle Receivables, Inc. All of National City Vehicle Receivables,
         Inc.'s common stock is owned by National City Bank. To the best
         knowledge of the registrant, there is no established public trading
         market for the Notes. Each class of Note is represented by one or more
         Notes registered in the name of Cede & Co., the nominee of the
         Depository Trust Company (the "DTC"). The records of the DTC indicate
         that, at December 31, 2003, there were no DTC participants holding a
         position in the Class A-l Notes, which were paid off in 2002, no DTC
         participants holding a position in the Class A-2 Notes, which were paid
         off in 2003, 29 DTC participants holding a position in the Class A-3
         Notes, and 41 DTC participants holding a position in the Class A-4
         Notes.

Item 6.  SELECTED FINANCIAL DATA

         Not Applicable

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

         Not Applicable

Item 7a. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

         Not Applicable

Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Not Applicable

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

         None

Item 9A. CONTROLS AND PROCEDURES

         Not Applicable

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                                    PART III

Item 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

         Not Applicable

Item 11. EXECUTIVE COMPENSATION

         Not Applicable

Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         Not Applicable

Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         Not Applicable

Item 14. PRINCIPAL ACCOUNTING FEES AND SERVICES

         Not Applicable
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                                     PART IV

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

     (a) The following documents are filed as part of the report:

         Exhibit 31:   Sarbanes-Oxley Act 302 Certification dated March 30, 2004
                       for National City Auto Receivables Trust 2002-A Annual
                       Report on Form 10-K for the year ended December 31, 2003.

         Exhibit 99.1: Annual Servicer's Certificate

         Exhibit 99.2: Report of Independent Accountants

     (b) The registrant filed the following Current Reports on Forms 8-K for the
         fourth quarter of 2003 and through the date of this Form 10-K filing.

         DATE OF REPORT          ITEMS COVERED

         October 15, 2003        Item 7 - Monthly Payment Date Statement to
         November 17, 2003       Securityholders
         December 15, 2003
         January 15, 2004
         February 16, 2004
         March 15, 2004

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                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                           NATIONAL CITY BANK, as
                                           Trust Administrator

                                           By: /s/ Robert B. Crowl
                                               --------------------------------
                                               Name: Robert B. Crowl
                                               Title: Senior Vice President

Dated: March 30, 2004