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 4.03(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 each master 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 each master
      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, each master servicer has fulfilled its obligations under
      each Agreement;

5.    The reports disclose all significant deficiencies relating to each master
      servicer's compliance with the minimum servicing standards, based upon the
      reports provided by each 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

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                                    EXHIBIT I

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<CAPTION>
PARTIES                                                                                       DATE OF POOLING AGREEMENT      SERIES
=========================================================================================     ============================   ======
<S>                                                                                           <C>                            <C>
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     January 24, 2002               2002-A
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     January 24, 2002               2002-1
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     February 21, 2002              2002-B
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     February 21, 2002              2002-2
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     March 26, 2002                 2002-3
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     April 25, 2002                 2002-4
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     April 25, 2002                 2002-C
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     April 26, 2002                 2002-5
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     May 23, 2002                   2002-D
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     May 23, 2002                   2002-E
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     June 26, 2002                  2002-F
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     June 25, 2002                  2002-6
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     June 26, 2002                  2002-G
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     July 25, 2002                  2002-7
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     July 25, 2002                  2002-H
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     August 27, 2002                2002-I
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     September 26, 2002             2002-J
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     September 27, 2002             2002-K
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     August 27, 2002                2002-8
Bank of America Mortgage Securities, Inc., Bank of America, N.A. and The Bank of New York     September 26, 2002             2002-9

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