UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

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                                  FORM 10-K/A

(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
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                                      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: 333-73712-04


                                  CWABS, Inc.
                  CWABS Master Trust, Series 2002-B Subtrust,
       Revolving Home Equity Loan Asset Backed Securities, Series 2002-B
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            (Exact name of Registrant as specified in its charter)


           Delaware                                    95-4449516
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(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
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(Address of principal executive offices)              (Zip Code)

Registrant's telephone number, including area code:   (312) 407-1902
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Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
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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 (Section 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
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Indicate the number of shares outstanding of each of the registrant's classes
of common stock, as of December 31, 2002: Not applicable
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<PAGE>

     This Form 10-K/A, which hereby amends the registrant's Annual Report on
Form 10-K for the fiscal year ended December 31, 2002 previously filed with
the Commission (the "Original Form 10-K"), is being filed by the Registrant
solely for the purpose of updating the reference to Exhibit 99.3 in Part IV,
Item 15(a)(3) and adding Exhibit 99.3 to the Original Form 10-K.


     Part IV, Item 15(a)(3) of the Original Form 10-K is hereby amended by
replacing the existing reference to Exhibit 99.3 in its entirety to read as
follows:


     Exhibit 99.3: Audited financial statements of Financial Guaranty
Insruance Company for the year ended December 31, 2002.



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                                  SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this amended report to be
signed on its behalf by the undersigned, thereunto duly authorized.

                                   CWABS, INC.,
                                   CWABS MASTER TRUST, SERIES 2002-B SUBTRUST,
                                   REVOLVING HOME EQUITY LOAN ASSET BACKED
                                   SECURITIES, SERIES 2002-B

                                   By:  Bank One, National Association,
                                        as Trustee*


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

                                   Date:  August 1, 2003








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



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                                 EXHIBIT INDEX
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                                                                   Sequential
Exhibit Document                                                  Page Number
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99.3     Audited financial statements of Financial Guaranty
         Insruance Company for the year ended December
         31, 2002........................................................6



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