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SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



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FORM 10-K



Annual Report Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934



For the fiscal year ended December 31, 2002Commission file number 001-15323



BANK ONE CORPORATION

(Exact name of registrant as specified in its charter)



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|Delaware                        |  | 31-0738296         
|------------------------------- |  | -------------------
|(State or other jurisdiction of |  | (I.R.S. Employer   
|incorporation or organization)  |  | Identification No.)



1 Bank
One Plaza, Chicago, Illinois 60670

(Address of principal executive offices including zip code)

Registrants telephone number, including area code: (312) 732-4000



Securities registered pursuant to Section 12(b) of the Act:



|Title of Each Class                                            |  | Name of Each Exchange on which Registered
|-------------------------------------------------------------- |  | -----------------------------------------
|Common Stock, $0.01 par value                                  |  | New York Stock Exchange                  
|                                                               |  | Chicago Stock Exchange                   
|71 / 4 % Subordinated Debentures Due 2004                      |  | New York Stock Exchange                  
|Guarantee of 8.00% Preferred Securities of BANK ONE Capital I  |  | New York Stock Exchange                  
|Guarantee of 8.50% Preferred Securities of BANK ONE Capital II |  | New York Stock Exchange                  
|Guarantee of 8.00% Preferred Securities of BANK ONE Capital V  |  | New York Stock Exchange                  
|Guarantee of 7.20% Preferred Securities of BANK ONE Capital VI |  | New York Stock Exchange                  



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, and (2) has
been subject to such filing requirements for the past 90 days. Yes [ü] No [    ]



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



Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the 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. [    ]



At December 31, 2002, the Corporation had 1,164,041,356 shares of its Common Stock, $0.01 par value, outstanding. The aggregate market
value of voting stock held by nonaffiliates of the Corporation at December 31, 2002, was approximately $43 billion (based on the closing price of such stock as of the last business day of the registrants most recently completed second fiscal
quarter).



DOCUMENTS INCORPORATED BY REFERENCE



Portions of the registrants 2002 Annual Report to
Shareholders are incorporated by reference into Parts I, II and IV. Portions of the registrants Proxy Statement relating to the registrants 2003 Annual Meeting of Stockholders are incorporated by reference into Part III.



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##### Table of Contents

BANK ONE CORPORATION

2002 ANNUAL REPORT ON FORM 10-K



|Cross Reference                      |                | Page                                                                                           |          
|------------------------------------ | -------------- | ---------------------------------------------------------------------------------------------- | ---------
|                                     | Annual Report* |                                                                                                | Form 10-K
|PART I                               |                |                                                                                                |          
|Item 1.                              |                | Business                                                                                       |          
|                                     |                | Description of Business                                                                        |          
|                                     |                | Business Segments                                                                              |          
|                                     |                | Employees                                                                                      |          
|                                     |                | Competition                                                                                    |          
|                                     |                | Risk Management                                                                                |          
|                                     |                | Monetary Policy and Economic Controls                                                          |          
|                                     |                | Supervision and Regulation                                                                     |          
|                                     |                | Forward Looking Statements                                                                     |          
|                                     |                | Financial Review                                                                               |          
|Item 2.                              |                | Properties                                                                                     |          
|Item 3.                              |                | Legal Proceedings                                                                              |          
|Item 4.                              |                | Submission of Matters to a Vote of Security Holders                                            |          
|                                    
|Executive Officers of the Registrant |                |                                                                                                |          
|                                    
|PART II                              |                |                                                                                                |          
|Item 5.                              |                | Market for Registrants Common Equity and Related Stockholder
Matters                          |          
|Item 6.                              |                | Selected Financial Data                                                                        |          
|Item 7.                              |                | Managements Discussion and Analysis of Financial Condition and Results of
Operations          |          
|Item 7A.                             |                | Quantitative and Qualitative Disclosures About Market Risk                                     |          
|Item 8.                              |                | Financial Statements and Supplementary Data                                                    |          
|Item 9.                              |                | Changes in and Disagreements with Accountants on Accounting and Financial
Disclosure           |          
|                                    
|PART III                             |                |                                                                                                |          
|Item 10.                             |                | Directors and Executive Officers of the Registrant                                             |          
|Item 11.                             |                | Executive Compensation                                                                         |          
|Item 12.                             |                | Security Ownership of Certain Beneficial Owners and Management and Related
Stockholder Matters |          
|Item 13.                             |                | Certain Relationships and Related Transactions                                                 |          
|Item 14.                             |                | Controls and Procedures                                                                        |          
|                                    
|PART IV                              |                |                                                                                                |          
|Item 15.                             |                | Exhibits, Financial Statement Schedules and Reports on Form 8-K                                |          
|                                    
|Certifications                       |                |                                                                                                |          

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|* |  | The 2002 Annual Report to Shareholders, portions of which are incorporated by reference into this Form 10-K (the portions so incorporated being indicated by the
pages referred to in this table).
|- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(1) |  | The information required by Items 10, 11, 12 and 13, respectively, is contained under the following headings in Bank Ones definitive proxy statement relating
to the registrants 2003 Annual Meeting of Stockholders and is expressly incorporated herein by reference:
|--- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Item 10Proposal 1Election of DirectorsDirectors and Nominees and Section 16(a) Beneficial Ownership Reporting Compliance.

Item 11Compensation of Executive Officers, Director Meeting Attendance and Fee
Arrangements, and Transactions with Directors, Executive Officers, Stockholders and AssociatesCompensation Committee Interlocks and Insider Participation.

| | Item |  | 12Beneficial Ownership of Bank Ones Common Stock.
| | ---- |  | -------------------------------------------------------

| | Item |  | 13Transactions with Directors, Executive Officers, Stockholders and Associates.
| | ---- |  | ------------------------------------------------------------------------------------



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DESCRIPTION OF BUSINESS



Bank One Corporation (Bank One or the Corporation) is a multibank bank holding company registered under the Bank Holding Company Act of 1956 (the BHC Act), and is headquartered in Chicago,
Illinois. Bank One became a financial holding company (FHC) under the Gramm-Leach-Bliley Act of 1999 (the GLB Act) in August 2001. Bank One was incorporated in Delaware on April 9, 1998, to effect the merger (the
Merger) of Banc One Corporation and First Chicago NBD Corporation. The Merger became effective on October 2, 1998.



Bank One provides domestic retail banking, finance and credit card services; worldwide commercial banking services; and trust and
investment management services. Bank One operates banking offices in Arizona, Colorado, Florida, Illinois, Indiana, Kentucky, Louisiana, Michigan, Ohio, Oklahoma, Texas, Utah, West Virginia and Wisconsin and in certain international markets. Bank
One also engages in other businesses related to banking and finance, including credit card and merchant processing, consumer and education finance, real estate-secured lending and servicing, insurance, venture capital, investment and merchant
banking, trust, brokerage, investment management, leasing, community development and data processing. These activities are conducted through bank subsidiaries (collectively, the Banks) and nonbank subsidiaries. Prior to 2001, the Banks
were operated under separate national or state charters in the 14 states in which the banking offices are located. In 2001, the Arizona, Florida, Louisiana, Texas and Utah Banks were consolidated into Bank One, National Association, headquartered in
Chicago, Illinois. In 2002, the Colorado, Illinois, Indiana, Michigan and Wisconsin Banks were consolidated into the Chicago Bank. Further consolidations are contemplated for 2003.



Available Information: Bank Ones Internet address is www.bankone.com. Electronic copies of Bank
Ones annual report on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K are available free of charge by visiting the About Bank One section of www.bankone.com. These reports are posted as soon as reasonably
practicable after they are electronically filed with the Securities and Exchange Commission.



EMPLOYEES



As of December
31, 2002, Bank One and its subsidiaries had 73,685 full time and part time employees with benefits. This figure does not include employees on long-term disability or employees of unconsolidated subsidiaries.



COMPETITION



Bank One and
its subsidiaries face active competition in all of their principal activities, not only from other financial holding companies and commercial banks, but also from savings and loan associations, credit unions, finance companies, mortgage companies,
leasing companies, insurance companies, mutual funds, securities brokers and dealers, other domestic and foreign financial institutions, and various nonfinancial institutions.



MONETARY POLICY AND ECONOMIC CONTROLS



The earnings of the Banks, and therefore the earnings of Bank One, are affected by the policies of regulatory authorities, including the Board of Governors of the Federal Reserve System (the Federal Reserve
Board). An important function of the Federal Reserve Board is to promote orderly economic growth by influencing interest rates and the supply of money and credit. Among the methods that have been used to achieve this objective are open
market operations in United States government securities, changes in the discount rate for member bank borrowings and changes in reserve requirements against bank deposits. These methods are used in varying combinations to influence overall growth
and distribution of bank loans, investments and deposits, interest rates on loans and securities, and rates paid for deposits.



The effects of the various Federal Reserve Board policies on the future business and earnings of Bank One cannot be predicted. Other
economic controls also have affected Bank Ones operations in the past. Bank One cannot predict the nature or extent of any effects that possible future governmental controls or legislation might have on its business and earnings.



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SUPERVISION AND REGULATION



GENERAL



As a
bank holding company, Bank One is regulated under the BHC Act, and is subject to inspection, examination and supervision by the Federal Reserve Board.



The GLB Act eliminated many of the restrictions placed on the activities of bank holding companies that become FHCs. Bank One became a FHC
in August 2001. Among other things, the GLB Act repealed certain Glass-Steagall Act restrictions on affiliations between banks and securities firms, and amended the BHC Act to permit bank holding companies that are FHCs to engage in activities, and
acquire companies engaged in activities, that are: financial in nature (including insurance underwriting, insurance company portfolio investment, financial advisory, securities underwriting, dealing and market-making, and merchant banking
activities); incidental to financial activities; or complementary to financial activities if the Federal Reserve Board determines that they pose no substantial risk to the safety or soundness of depository institutions or the financial system in
general. The GLB Act also permits national banks, under certain circumstances, to engage through special financial subsidiaries in the financial and other incidental activities authorized for FHCs.



LIABILITY FOR BANK
SUBSIDIARIES



The Federal Reserve
Board requires that a bank holding company act as a source of financial and managerial strength to each of its subsidiary banks and to maintain resources adequate to support each subsidiary bank. In addition, the National Bank Act permits the Office
of the Comptroller of the Currency (OCC) to order the pro rata assessment of shareholders of a national bank whose capital has become impaired. If a shareholder fails to pay such an assessment, the OCC can order the sale of the
shareholders stock to cover the deficiency. In the event of a bank holding companys bankruptcy, any commitment by the bank holding company to a federal bank regulatory agency to maintain the capital of a subsidiary bank would be assumed
by the bankruptcy trustee and entitled to priority of payment.



Under the Federal Deposit Insurance Act, the Federal Deposit Insurance Corporation (FDIC) can hold any FDIC-insured depository institution liable for any loss the FDIC incurs, or reasonably expects to incur, in connection
with (1) the default of any commonly controlled FDIC-insured depository institution or (2) any assistance provided by the FDIC to any commonly controlled depository institution that is in danger of default. Default is defined
generally as the appointment of a conservator or receiver and in danger of default is defined generally as the existence of certain conditions indicating that a default is likely to occur absent
regulatory assistance. All of the Banks are FDIC-insured depository institutions.



CAPITAL REQUIREMENTS



Bank One is subject to capital requirements and guidelines imposed on bank holding companies by the Federal Reserve Board. The OCC, the
FDIC and the Federal Reserve Board impose similar requirements on the Banks within their respective jurisdictions. These capital requirements establish higher capital standards for banks and bank holding companies that assume greater risks. For this
purpose, a bank holding companys or banks assets and certain off-balance sheet commitments are assigned to four risk categories, each weighted differently based on credit risk. Total capital, in turn, is divided into three tiers:



| | · |  | core (Tier 1) capital, which includes common equity, certain qualifying cumulative and noncumulative perpetual preferred stock and related surplus, and
minority interests in equity accounts of consolidated subsidiaries;
| | - |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | supplementary (Tier 2) capital, which includes perpetual preferred stock and related surplus not meeting the Tier 1 definition, hybrid capital
instruments, perpetual debt and mandatory convertible securities, subordinated debt, intermediate-term preferred stock, and allowances for loan and lease losses; and
| | - |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | market risk (Tier 3) capital, which includes qualifying unsecured subordinated debt.
| | - |  | --------------------------------------------------------------------------------------



Goodwill, certain intangible assets, and certain other assets
must be deducted in calculating the sum of the core capital elements.



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Bank One, like
other bank holding companies, is required to maintain Tier 1 and total capital equal to at least 4% and 8%, respectively, of its total risk-weighted assets. At December 31, 2002, Bank One met both requirements, with Tier 1 and total capital equal to
9.9% and 13.7%, respectively, of its total risk-weighted assets. Each of the Banks was in compliance with its applicable minimum capital requirement at December 31, 2002.



The Federal Reserve Board, the FDIC and the OCC have incorporated market and interest rate risk components
into their risk-based capital standards. Under these market risk requirements, capital is allocated to support the amount of market risk related to a financial institutions ongoing trading activities.



The Federal Reserve Board also requires a minimum
leverage ratio (Tier 1 capital to adjusted average assets) of 3% for bank holding companies that have the highest regulatory rating or have implemented the risk-based capital measures for market risk, or 4% for holding companies that do
not meet either of these requirements. Each of the Banks is subject to similar requirements adopted by the applicable federal regulatory agency. At December 31, 2002, Bank Ones leverage ratio was 8.9%, and each of the Banks was in compliance
with its applicable leverage ratio requirement.



While the federal banking regulators may set capital requirements higher than the minimums noted above if circumstances warrant it, no federal banking regulator has imposed any such special capital requirement on Bank One or the
Banks.



Failure to meet capital requirements
could subject a bank to a variety of enforcement remedies, including the termination of deposit insurance by the FDIC, and to certain restrictions on its business, which are described below.



The Federal Deposit Insurance Corporation Improvement Act of
1991 (FDICIA), among other things, identifies five capital categories (from well capitalized to critically undercapitalized) for insured depository institutions, and requires the respective federal bank regulatory
agencies to take prompt corrective action for insured depository institutions that do not meet minimum capital requirements within these categories.



Failure to meet the capital guidelines could subject a depository institution to capital-raising
requirements. An undercapitalized depository institution must develop a capital restoration plan, and its parent holding company must guarantee the banks compliance with the plan. In the event of the bankruptcy of the parent
holding company, this guarantee would take priority over the parents general unsecured creditors. In addition, FDICIA requires the federal bank regulatory agencies to prescribe certain non-capital standards for safety and soundness relating
generally to operations and management, asset quality and executive compensation, and it permits regulatory action against a financial institution that does not meet these standards.



As of December 31, 2002, each Bank was well capitalized. It should be noted, however, that a
Banks capital category is determined solely for the purpose of applying the federal banking agencies prompt corrective action regulations; the capital category may not constitute an accurate representation of a Banks
overall financial condition or prospects.



THE BANKS



The Banks are national banking associations and, as such, are subject to regulation primarily by the OCC and, secondarily, by the FDIC and the Federal Reserve Board. The Banks operations in other countries are subject to
various restrictions imposed by the laws of those countries.



Federal law limits the amount of dividends the Banks can pay to Bank One without regulatory approval. In addition, federal bank regulatory agencies have authority to prohibit the Banks from engaging in unsafe or unsound practices in
conducting their business. The payment of dividends, depending upon the financial condition of the bank in question, could be deemed to constitute an unsafe or unsound practice.



DEPOSITOR PREFERENCE STATUTE



Federal law provides that deposits and certain claims for
administrative expenses and employee compensation against an insured depository institution are afforded a priority over other general unsecured claims against such institution, including federal funds and letters of credit, in the liquidation or
other resolution of the institution by any receiver.



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OTHER



Bank
Ones nonbank subsidiaries and banking-related business units are subject to regulation by various state and federal regulatory agencies and self-regulatory organizations. Activities subject to such regulation include investment management,
investment advisory services, commodities and securities brokerage, insurance services and products, and securities dealing.



PROPERTIES



Bank One and
its subsidiaries occupy more than 2,200 owned or leased domestic properties, including banking centers, operations facilities and commercial banking offices. In addition, Bank One has 14 foreign offices in leased premises in major cities in Canada,
Mexico, Europe, Asia and Australia.



FORWARD-LOOKING STATEMENTS



This Annual Report on Form 10-K contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. In addition, Bank One may make or approve certain statements in future filings
with the Securities and Exchange Commission (the Commission), in press releases, and in oral and written statements made by or with Bank Ones approval that are not statements of historical fact and may constitute forward-looking
statements. Forward-looking statements may relate to, without limitation, Bank Ones financial condition, results of operations, plans, objectives, future performance or business.



Words such as believes, anticipates, expects, intends,
plans, estimates, targeted and similar expressions are intended to identify forward-looking statements but are not the only means to identify these statements.



Forward-looking statements involve risks and uncertainties.
Actual conditions, events or results may differ materially from those contemplated by a forward-looking statement. Factors that could cause this difference  many of which are beyond Bank Ones control  include the following, without
limitation:



| | · |  | Local, regional and international business or economic conditions may differ from those expected.
| | - |  | -------------------------------------------------------------------------------------------------



| | · |  | The effects of and changes in trade, monetary and fiscal policies and laws, including the Federal Reserve Boards interest rate policies, may adversely affect
Bank Ones business.
| | - |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | The timely development and acceptance of new products and services may be different than anticipated.
| | - |  | -----------------------------------------------------------------------------------------------------



| | · |  | Technological changes instituted by Bank One and by persons who may affect Bank Ones business may be more difficult to accomplish or more expensive than
anticipated or may have unforeseen consequences.
| | - |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | Acquisitions and integration of acquired businesses may be more difficult or expensive than expected.
| | - |  | -----------------------------------------------------------------------------------------------------



| | · |  | The ability to increase market share and control expenses may be more difficult than anticipated.
| | - |  | -------------------------------------------------------------------------------------------------



| | · |  | Competitive pressures among financial services companies may increase significantly.
| | - |  | ------------------------------------------------------------------------------------



| | · |  | Changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) may adversely affect Bank One or its business.
| | - |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | Changes in accounting policies and practices, as may be adopted by regulatory agencies, the Public Company Accounting Oversight Board and the Financial Accounting
Standards Board, may affect expected financial reporting.
| | - |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · |  | The costs, effects and outcomes of litigation may adversely affect Bank One or its business.
| | - |  | --------------------------------------------------------------------------------------------



| | · |  | Bank One may not manage the risks involved in the foregoing as well as anticipated.
| | - |  | -----------------------------------------------------------------------------------



Forward-looking statements speak only as of the date they are made. Bank One undertakes no obligation to
update any forward-looking statement to reflect subsequent circumstances or events.



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BANK ONE CORPORATION and Subsidiaries

Average Balances/Net Interest Margin/Rates



|                                                                        |  | Year Ended December 31 |        
|----------------------------------------------------------------------- |  | ---------------------- | -------
|                                                                        |  | 2002                   |        
|(Income and rates on tax-equivalent basis)                              |  | Average Balance        |        
|(Dollars in millions)                                                   |  |                        |        
|Assets                                                                  |  |                        |        
|Short-term investments                                                  |  | $                      | 11,921 
|Trading assets                                                          |  |                        | 6,652  
|Investment securities: (1)                                              |  |                        |        
|U.S. government and federal agency                                      |  |                        | 27,869 
|States and political subdivisions                                       |  |                        | 1,203  
|Other                                                                   |  |                        | 32,951 
|                                                                        |  |                        |        
|Total investment securities                                             |  |                        | 62,023 
|Loans (1) (2)                                                           |  |                        | 150,805
|                                                                        |  |                        |        
|Total earning assets                                                    |  |                        | 231,401
|                                                                        |  |                        |        
|Allowance for credit losses                                             |  |                        | (4,546 
|Other assetsnon-earning                                                |  |                        | 36,168 
|                                                                        |  |                        |        
|Total assets                                                            |  | $                      | 263,023
|                                                                        |  |                        |        
|Liabilities and Stockholders Equity                                    |  |                        |        
|Depositsinterest-bearing: (3)                                          |  |                        |        
|Savings                                                                 |  | $                      | 10,929 
|Money market                                                            |  |                        | 71,861 
|Time                                                                    |  |                        | 34,416 
|Foreign offices (4)                                                     |  |                        | 14,444 
|                                                                        |  |                        |        
|Total depositsinterest-bearing                                         |  |                        | 131,650
|Federal funds purchased and securities sold under repurchase agreements |  |                        | 14,948 
|Other short-term borrowings                                             |  |                        | 8,886  
|Long-term debt (5)                                                      |  |                        | 43,325 
|                                                                        |  |                        |        
|Total interest-bearing liabilities                                      |  |                        | 198,809
|                                                                        |  |                        |        
|Demand deposits                                                         |  |                        | 28,313 
|Other liabilities                                                       |  |                        | 14,202 
|Preferred stock                                                         |  |                        |       
|Common stockholders equity                                             |  |                        | 21,699 
|                                                                        |  |                        |        
|Total liabilities and equity                                            |  | $                      | 263,023
|                                                                        |  |                        |        
|Interest income/earning assets                                          |  |                        |        
|Interest expense/earning assets                                         |  |                        |        
|                                                                        |  |                        |        
|Net interest margin                                                     |  |                        |        
|                                                                        |  |                        |        

---

|(1) |  | Includes tax-equivalent adjustments based on federal income tax rate of 35%.
|--- |  | ----------------------------------------------------------------------------

|(2) |  | Nonperforming loans are included in average balances used to determine average rate.
|--- |  | ------------------------------------------------------------------------------------

|(3) |  | On a consolidated basis, demand deposit balances are routinely swept into overnight interest bearing deposits and are included in interest bearing deposit average
balances and average rate information. On a line of business basis, the swept balances are included in demand deposits and are included in demand deposit average balances and average rate information.
|--- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(4) |  | Includes international banking facilities deposit balances in domestic offices and balances of Edge Act and overseas offices.
|--- |  | ------------------------------------------------------------------------------------------------------------------------------

|(5) |  | Includes trust preferred capital securities.
|--- |  | --------------------------------------------



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|Year Ended December 31
|----------------------
|2000                  
|Average Balance       
|                      
|$16,941               
|6,937                 
|                      
|14,406                
|1,367                 
|29,639                
|                      
|45,412                
|171,768               
|                      
|241,058               
|                      
|(2,860)               
|33,786                
|                      
|$271,984              
|                      
|                      
|$16,433               
|47,552                
|43,555                
|27,609                
|                      
|135,149               
|18,961                
|18,978                
|39,395                
|                      
|212,483               
|                      
|27,313                
|12,616                
|190                   
|19,382                
|                      
|$271,984              
|                      
|                      
|                      
|                      
|                      
|                      



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Analysis of Changes in Net
Interest Income



The approximate effect on
net interest income of volume and rate changes for 2002 and 2001 for the year ended December 31 follows:



|                                                                        |  | 2002 over 2001 |        |   | 2001 over 2000 |  
|----------------------------------------------------------------------- |  | -------------- | ------ | - | -------------- | -
|Year Ended December 31 (in millions)                                    |  | Volume         |        |   | Rate           |  
|Increase (decrease) in interest income:                                 |  |                |        |   |                |  
|Short-term investments                                                  |  | $              | (31    | ) |                | $
|Trading assets                                                          |  |                | 1      |   |                |  
|Investment securities:                                                  |  |                |        |   |                |  
|U.S. government and federal agency                                      |  |                | 354    |   |                |  
|States and political subdivisions                                       |  |                | (6     | ) |                |  
|Other                                                                   |  |                | 297    |   |                |  
|Loans                                                                   |  |                | (1,077 | ) |                |  
|                                                                        |  |                |        |   |                |  
|Total                                                                   |  |                |        |   |                |  
|                                                                       
|Increase (decrease) in interest expense:                                |  |                |        |   |                |  
|Deposits:                                                               |  |                |        |   |                |  
|Savings                                                                 |  |                | (79    | ) |                |  
|Money market                                                            |  |                | 182    |   |                |  
|Time                                                                    |  |                | (429   | ) |                |  
|Foreign offices                                                         |  |                | (140   | ) |                |  
|Federal funds purchased and securities sold under repurchase agreements |  |                | (31    | ) |                |  
|Other short-term borrowings                                             |  |                | (136   | ) |                |  
|Long-term debt                                                          |  |                | 26     |   |                |  
|                                                                        |  |                |        |   |                |  
|Total                                                                   |  |                |        |   |                |  
|                                                                        |  |                |        |   |                |  
|Decrease in net interest income                                         |  |                |        |   |                |  
|                                                                        |  |                |        |   |                |  



For
purposes of this table, changes that are not due solely to volume or rate changes are allocated to volume.



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EQUITY COMPENSATION PLAN INFORMATION



|Plan Category                                              |  | Number of securities to be issued upon exercise of outstanding options, warrants and
rights (a) |  | Weighted-average exercise price of outstanding options, warrants and
rights (b) |  | Number of securities remaining available for future issuance under equity
compensation plans (excluding securities reflected in column (a)) (c)
|---------------------------------------------------------- |  | ----------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------
|Equity compensation plans approved by security holders     |  | 96,112,247                                                                                      |  | $37.57                                                                          |  | (1)(2)(3)                                                                                                                                      
|Equity compensation plans not approved by security holders |  | N/A                                                                                             |  | N/A                                                                             |  | N/A                                                                                                                                            
|                                                           |  |                                                                                                 |  |                                                                                 |  |                                                                                                                                                
|Total                                                      |  | 96,112,247                                                                                      |  | $37.57                                                                          |  | (1)(2)(3)                                                                                                                                      
|                                                           |  |                                                                                                 |  |                                                                                 |  |                                                                                                                                                

---

|(1) |  | Under the Stock Performance Plan, 2% of outstanding common stock is available for grant annually. In addition, the following is also available for future issuance:
the unused portion of the 2% limit from prior plan years; shares cancelled, forfeited, surrendered, terminated, paid in cash, or expired unexercised; excess amount of variable awards fixed at less than maximum (currently none); and shares used for
purchase price or taxes provided that a restorative option has been granted.
|--- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

The above total number of shares
available for grant in any plan year may not exceed 5% of the outstanding common stock as reported in the annual report on Form 10-K for the fiscal year ending immediately prior to the plan year.

|(2) |  | Under the Employee Stock Purchase Plan, 16,266,431 shares are available for future issuance.
|--- |  | --------------------------------------------------------------------------------------------

|(3) |  | Under the Director Stock Plan, 785,843 shares are available for future issuance.
|--- |  | --------------------------------------------------------------------------------



DISCLOSURE CONTROLS AND INTERNAL CONTROLS



Bank Ones management evaluated its disclosure controls
and procedures as of December 31, 2002. Based on this evaluation, the Principal Executive Officer and Principal Financial Officer each concludes that as of December 31, 2002, Bank One maintained effective disclosure controls and procedures in all
material respects, including those to ensure that information required to be disclosed in reports filed or submitted under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported, within the time periods specified in the
Commissions rules and forms, and is accumulated and communicated to management, including the Principal Executive Officer and the Principal Financial Officer, as appropriate to allow for timely disclosure.



There have been no significant changes in internal controls or
in other factors that could significantly affect internal controls subsequent to the most recent evaluation by the Principal Executive Officer and the Principal Financial Officer.



9



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##### Table of Contents



The following is a copy of
Arthur Andersen LLPs previously issued report. Arthur Andersen LLP has ceased practicing before the Commission and is therefore unable to reissue this report.



REPORT OF INDEPENDENT PUBLIC
ACCOUNTANTS



To the Stockholders and Board of Directors

of BANK ONE CORPORATION:



We have audited the accompanying consolidated balance sheet
of BANK ONE CORPORATION (a Delaware corporation) and subsidiaries as of December 31, 2000 and the related consolidated statements of income, stockholders equity and cash flows for each of the two years in the period ended December 31, 2000.
These financial statements are the responsibility of BANK ONE CORPORATIONs management. Our responsibility is to express an opinion on these financial statements based on our audits.



We conducted our audits in accordance with auditing standards generally accepted in the United States. Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits
provide a reasonable basis for our opinion.



In
our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of BANK ONE CORPORATION and subsidiaries as of December 31, 2000, and the results of their operations and their
cash flows for each of the two years in the period ended December 31, 2000, in conformity with accounting principles generally accepted in the United States.



Chicago, Illinois

January 17, 2001



/S/    ARTHUR ANDERSEN LLP









10



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##### Table of Contents

EXECUTIVE OFFICERS OF THE REGISTRANT



|Name and Age              |  | Current Position Held with the Corporation and Effective Date First Elected to Office Indicated
|------------------------- |  | -----------------------------------------------------------------------------------------------
|James Dimon (46)          |  | Director, Chairman and Chief Executive Officer (3/27/00)                                       
|Austin A. Adams (59)      |  | Executive Vice President (3/1/01)                                                              
|Linda Bammann (46)        |  | Executive Vice President and Chief Risk Management Officer (5/15/01)                           
|James S. Boshart III (57) |  | Executive Vice President (9/5/00)                                                              
|David E. Donovan (52)     |  | Executive Vice President (6/4/01)                                                              
|Christine A. Edwards (50) |  | Executive Vice President, Chief Legal Officer and Secretary (5/16/00)                          
|Philip G. Heasley (53)    |  | Executive Vice President (1/2/01)                                                              
|Larry L. Helm (55)        |  | Executive Vice President (5/22/02)                                                             
|David J. Kundert (60)     |  | Executive Vice President (12/15/98)                                                            
|Jay Mandelbaum (40)       |  | Executive Vice President (9/17/02)                                                             
|Sarah L. McClelland (43)  |  | Executive Vice President (9/4/00) and Chief Auditor (5/15/01)                                  
|Heidi Miller (49)         |  | Executive Vice President and Chief Financial Officer (3/29/02)                                 
|Tyree B. Miller (49)      |  | Executive Vice President (3/6/02)                                                              
|Charles W. Scharf (37)    |  | Executive Vice President (6/12/00)                                                             



Messrs.
Donovan, Helm, Kundert and Miller, and Ms. McClelland, each have served as an officer of Bank One, or a subsidiary or predecessor, for more than five years. The prior business experience of the other executive officers is set forth below:



James Dimon: November
1998-March 2000private investor; October-November 1998President, Citigroup, Inc., and Chairman and Co-Chief Executive Officer of Citigroup subsidiary Salomon Smith Barney Holdings, Inc.; November 1993-October 1998President and
Chief Operating Officer, Travelers Group, as well as executive positions with Travelers subsidiaries Smith Barney, Inc. and Salomon Smith Barney Holdings, Inc. during that period.



Austin A. Adams: 1985-February 2001Executive Vice President of the Automation and
Operations Group, First Union Corporation.



Linda Bammann: October 2000-May 2001Senior Managing Director, Banc One Capital Markets, Inc.; April 1992-June 2000Managing Director, UBS Warburg.



James S. Boshart, III: June 1998-September 2000Co-Chief Executive Officer, Schroder
Salomon Smith Barney; January 1998-June 1998Head of Transition Team, Salomon Smith Barney; 1997-January 1998Vice Chairman and Co-Head of Investment Banking, Salomon Smith Barney; 1995-1997Head of Capital Markets, Smith Barney,
Inc.



Christine A.
Edwards: 1999-May 2000Executive Vice President and Chief Legal Officer, ABN AMRO North America; 1997-1999Executive Vice President, Chief Legal Officer and Secretary, Morgan Stanley Dean Witter; 1990-1997Executive Vice President,
General Counsel and Secretary, Dean Witter Discover & Co.



Philip G. Heasley: July 1999-November 2000President and Chief Operating Officer, U.S. Bancorp; 1994-July 1999Vice Chairman, U.S. Bancorp.



Jay Mandelbaum: September 2000-August
2002Vice Chairman and Chief Executive Officer, Private Client Group, Salomon Smith Barney, Inc.; August 1997-August 2000Executive Vice President/Senior Vice President, Private Client Sales and Marketing, Salomon Smith Barney, Inc.



Heidi Miller: January
2001-March 2002Vice Chairman, Marsh, Inc.; March-November 2000Senior Executive Vice President, Chief Financial Officer and Head of Strategic Planning, Priceline.com; 1998-March 2000Chief Financial Officer, Citigroup, Inc.;
1995-1998Chief Financial Officer, Travelers Group.



Charles W. Scharf: 1998-June 2000Chief Financial Officer, Citigroup Global Corporate and Investment Bank; 1995-1998Chief Financial Officer, Salomon Smith Barney, Inc.



Bank Ones executive officers serve until the annual
meeting of the Board of Directors (April 15, 2003).



11



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##### Table of Contents



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



(a) (1) Financial Statements.



|                                                                                    |  | Annual Report Pages
|----------------------------------------------------------------------------------- |  | -------------------
|Consolidated Balance SheetsDecember 31, 2002 and 2001                              |  | 80                 
|Consolidated Income StatementsThree Years Ended December 31, 2002                  |  | 81                 
|Consolidated Statements of Stockholders EquityThree Years Ended December 31,
2002 |  | 82                 
|Consolidated Statements of Cash FlowsThree Years Ended December 31,
2002           |  | 83                 
|Notes to Consolidated Financial Statements                                          |  | 84-108             





|(2) |  | Financial Statement Schedules.
|--- |  | ------------------------------



All schedules normally required by Form 10-K are omitted, since either they are not applicable or the required information is shown in the
financial statements or the notes thereto.



(3)
Exhibits.



|3(A).  |  | Bank Ones Restated Certificate of Incorporation, as amended [Exhibit 3(A) to Bank Ones 2001 Annual Report
on Form 10-K (File No. 001-15323) incorporated herein by reference].            
|------ |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      
|3(B).  |  | Bank Ones By-Laws, as amended [Exhibit 3(B) to Bank Ones 1999 Annual Report on Form 10-K (File No.
001-15323) incorporated herein by reference].                                          
|      
|4.     |  | Instruments defining the rights of security holders, including indentures.                                                                                                                 
|      
|10(A). |  | Bank One Corporation Stock Performance Plan.*                                                                                                                                               
|      
|10(B). |  | Bank One Corporation Director Stock Plan, as amended.*                                                                                                                                      
|      
|10(C). |  | Summary of Bank One Corporation Supplemental Executive Retirement Plan [Exhibit 10(C) to Bank Ones 2000 Annual
Report on Form 10-K (File No. 001-15323) incorporated herein by reference].*
|      
|10(D). |  | Bank One Corporation Deferred Compensation Plan, as amended [Exhibit 10(D) to Bank Ones 2000 Annual Report on
Form 10-K (File No. 001-15323) incorporated herein by reference].*           
|      
|10(E). |  | Bank One Corporation Supplemental Savings and Investment Plan.*                                                                                                                             
|      
|10(F). |  | Bank One Corporation Supplemental Personal Pension Account Plan [Exhibit 10(G) to Bank Ones 1999 Annual Report
on Form 10-K (File No. 001-15323) incorporated herein by reference].*       
|      
|10(G). |  | Summary of Bank One Corporation Key Executive Change of Control Plan [Exhibit 10(G) to Bank Ones 2001 Annual
Report on Form 10-K (File No. 001-15323) incorporated herein by reference].*  
|      
|10(H). |  | Bank One Corporation Planning Group Annual Incentive Plan [Exhibit 10(I) to Bank Ones 2001 Annual Report on Form
10-K (File No. 001-15323) incorporated herein by reference].*             
|      
|10(I). |  | Bank One Corporation Investment Option Plan [Exhibit 10(K) to Bank Ones 1999 Annual Report on Form 10-K (File
No. 001-15323) incorporated herein by reference].*                           
|      
|10(J). |  | Summary of Bank One Corporation Director Deferred Compensation Plan [Exhibit 10(M) to Bank Ones 2000 Annual
Report on Form 10-K (File No. 001-15323) incorporated herein by reference].*   



12



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##### Table of Contents

|10(K). |  | First Chicago Corporation Stock Incentive Plan, [Exhibit 10(P) to Bank Ones 1998 Annual Report on Form 10-K
(File No. 333-60313) incorporated herein by reference].*                                                                         
|------ |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      
|10(L). |  | NBD Bancorp, Inc. Performance Incentive Plan, as amended [Exhibit 10(Q) to Bank Ones 1998 Annual Report on Form
10-K (File No. 333-60313) incorporated herein by reference].*                                                                
|      
|10(M). |  | Revised and Restated Banc One Corporation 1989 Stock Incentive Plan [Exhibit 10.8 to Banc One Corporations 1997
Annual Report on Form 10-K (File No. 1-8552) incorporated herein by reference].*                                             
|      
|10(N). |  | Revised and Restated Banc One Corporation 1995 Stock Incentive Plan [Exhibit 10(Z) to Bank Ones 1998 Annual
Report on Form 10-K (File No. 333-60313) incorporated herein by reference].*                                                     
|      
|10(O). |  | Agreement dated March 27, 2000, between Bank One Corporation and James Dimon [Exhibit 10(a) to Bank Ones
Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2000 (File No. 001-15323) incorporated herein by reference].*
|      
|12.    |  | Statements re computation of ratios.                                                                                                                                                                                                          
|      
|13.    |  | Bank One Corporation 2002 Annual Report to Shareholders (pages 33-111).                                                                                                                                                                       
|      
|21.    |  | Subsidiaries of the Corporation.                                                                                                                                                                                                              
|      
|23(a). |  | Consent of KPMG LLP.                                                                                                                                                                                                                          
|      
|23(b). |  | Statement Regarding Consent of Arthur Andersen LLP.                                                                                                                                                                                           
|      
|99(a). |  | Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002.                                                                                            
|      
|99(b). |  | Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002.                                                                                            



Stockholders may request copies of any exhibit; Bank One will charge a fee to cover expenses to prepare and send any exhibit. Please send requests to: Bank One Corporation, Attn: Investor Relations, 1 Bank One Plaza, IL1-0738,
Chicago, IL 60670-0738.



(b) Bank One filed the
following Current Reports on Form 8-K during the quarter ended December 31, 2002:



|Date             |  | Item Reported                               
|---------------- |  | --------------------------------------------
|                
|October 15, 2002 |  | Announcement of third quarter 2002 earnings.

---

| |  | The total amount of securities authorized pursuant to any instrument defining the rights of holders of long-term debt of Bank One does not exceed 10% of the total
assets of Bank One and its subsidiaries on a consolidated basis. Bank One hereby agrees to furnish to the Commission upon request a copy of any such instrument.
|- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|* |  | Management contract or compensatory plan or arrangement required to be filed as an exhibit to this Form 10-K.
|- |  | -------------------------------------------------------------------------------------------------------------



13



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##### Table of Contents

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, this 10th day of February, 2003.



BANK ONE CORPORATION

(Registrant)



/S/    JAMES
DIMON

By:

James Dimon

Principal Executive Officer



Pursuant to the requirements of the Securities Exchange Act
of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities indicated, this 10th day of February, 2003.



|/S/    JOHN H.
BRYANJohn H. Bryan Director                 |  | /S/    RICHARD A.
MANOOGIANRichard A. Manoogian Director            
|---------------------------------------------------------- |  | --------------------------------------------------------------------
|/S/    JAMES S.
CROWNJames S.
Crown Director               |  | /S/    DAVID C.
NOVAKDavid C.
Novak Director                        
|/S/    JAMES
DIMONJames Dimon
Director                     |  | /S/    JOHN W. ROGERS,
JR.John W. Rogers,
Jr. Director              
|/S/    MAUREEN A.
FAYMaureen A. Fay
Director               |  | /S/    FREDERICK P.
STRATTON, JR.Frederick P. Stratton, Jr. Director
|/S/    JOHN R.
HALLJohn R. Hall
Director                   |  | /S/    HEIDI
MILLERHeidi
Miller Principal Financial Officer         
|/S/    LABAN P.
JACKSON, JR.Laban P. Jackson, Jr. Director |  | /S/    MELISSA J.
MOOREMelissa J.
Moore Principal Accounting Officer
|/S/    JOHN W.
KESSLERJohn W.
Kessler Director             |  |                                                                     



14



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##### Table of Contents



CERTIFICATIONS



I,
James Dimon, certify that:



| | 1. |  | I have reviewed this annual report on Form 10-K of Bank One Corporation;
| | -- |  | ------------------------------------------------------------------------



| | 2. |  | Based on my knowledge, this annual report 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 with respect to the period covered by this annual report;
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 3. |  | Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report;
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 4. |  | The registrants other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-14 and 15d-14) for the registrant and we have:
| | -- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | a) |  | designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made
known to us by others within those entities, particularly during the period in which this annual report is being prepared;
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) |  | evaluated the effectiveness of the registrants disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report
(the Evaluation Date); and
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | c) |  | presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 5. |  | The registrants other certifying officers and I have disclosed, based on our most recent evaluation, to the registrants auditors and the audit committee
of registrants board of directors (or persons performing the equivalent function):
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | a) |  | all significant deficiencies in the design or operation of internal controls which could adversely affect the registrants ability to record, process, summarize
and report financial data and have identified for the registrants auditors any material weaknesses in internal controls; and
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) |  | any fraud, whether or not material, that involves management or other employees who have a significant role in the registrants internal controls; and
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------



| | 6. |  | The registrants other certifying officers and I have indicated in this annual report whether or not there were significant changes in internal controls or in
other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



March 5, 2003



/S/    JAMES DIMON

| | 
| | 

James Dimon

Principal Executive Officer



15



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##### Table of Contents



I, Heidi
Miller, certify that:



| | 1. |  | I have reviewed this annual report on Form 10-K of Bank One Corporation;
| | -- |  | ------------------------------------------------------------------------



| | 2. |  | Based on my knowledge, this annual report 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 with respect to the period covered by this annual report;
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 3. |  | Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report;
| | -- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 4. |  | The registrants other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-14 and 15d-14) for the registrant and we have:
| | -- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | a) |  | designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made
known to us by others within those entities, particularly during the period in which this annual report is being prepared;
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) |  | evaluated the effectiveness of the registrants disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report
(the Evaluation Date); and
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | c) |  | presented in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 5. |  | The registrants other certifying officers and I have disclosed, based on our most recent evaluation, to the registrants auditors and the audit committee
of registrants board of directors (or persons performing the equivalent function):
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | a) |  | all significant deficiencies in the design or operation of internal controls which could adversely affect the registrants ability to record, process, summarize
and report financial data and have identified for the registrants auditors any material weaknesses in internal controls; and
| | -- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) |  | any fraud, whether or not material, that involves management or other employees who have a significant role in the registrants internal controls; and
| | -- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------



| | 6. |  | The registrants other certifying officers and I have indicated in this annual report whether or not there were significant changes in internal controls or in
other factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
| | -- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



March 5, 2003

/S/    HEIDI MILLER

| | 
| | 

Heidi Miller

Principal Financial Officer



16