EXHIBIT 31.1

           Servicer's Sarbanes-Oxley Certification (2002 Transactions)

                   BANK OF AMERICA MORTGAGE SECURITIES, INC.,
                       MORTGAGE PASS-THROUGH CERTIFICATES,
                      SERIES SET FORTH ON EXHIBIT I HERETO

    I, Gary K. Bettin, a Senior Vice President of Bank of America, N.A., certify
that:

1.  I have reviewed the annual reports on Form 10-K for the calendar year 2003
    and all monthly current reports on Form 8-K containing a copy of the monthly
    statement to certificateholders (the "Distribution Date Statements")
    delivered pursuant to Section 5.04(b) of the Pooling and Servicing
    Agreements listed on Exhibit I hereto (each, an "Agreement") filed in
    respect of periods included in the year covered by such annual reports of
    the trusts (each, a "Trust") formed pursuant to such Agreements;

2.  Based on my knowledge, with respect to each Trust, 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 such
    annual report;

3.  Based on my knowledge, the distribution or servicing information required to
    be provided to the trustee by the servicer under each Agreement for
    inclusion in the related Trust's Distribution Date Statements is included in
    these reports;

4.  I am responsible for reviewing the activities performed by the servicer
    under each Agreement and based upon my knowledge and the annual compliance
    review required under each Agreement, and except as disclosed in the
    reports, the servicer has fulfilled its obligations under each Agreement;

5.  The reports disclose all significant deficiencies relating to the 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 Agreement that is included in these
    reports; and

6.  In giving the certifications above, I have reasonably relied on information
    provided to me by the following unaffiliated party: The Bank of New York.

                                       By: /s/   Gary K. Bettin
                                       ----------------------------------
                                          Name:  Gary K. Bettin
                                          Title: Senior Vice President
<PAGE>
                                                                       EXHIBIT I


                PARTIES                    DATE OF POOLING         SERIES
                                                                  AGREEMENT

===============================================================================

Bank of America Mortgage Securities,    January 24, 2002           2002-A
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    January 24, 2002           2002-1
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    February 21, 2002          2002-B
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    February 21, 2002          2002-2
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    March 26, 2002             2002-3
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 25, 2002             2002-4
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 25, 2002             2002-C
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    April 26, 2002             2002-5
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    May 23, 2002               2002-D
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    May 23, 2002               2002-E
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 26, 2002              2002-F
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 25, 2002              2002-6
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    June 26, 2002              2002-G
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    July 25, 2002              2002-7
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    July 25, 2002              2002-H
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    August 27, 2002            2002-I
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 26, 2002         2002-J
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 27, 2002         2002-K
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    August 27, 2002            2002-8
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    September 26, 2002         2002-9
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    October 24, 2002, as       2002-10
Inc., Bank of America, N.A. and The     amended by Amendment
Bank of New York                        No. 1, dated January
                                        30, 2004