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

                                      FORM 10-K

  (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, 2003

      OR

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

      Commission File Number:  333-74544-10

            Bank of America Mortgage Securities, Inc.
            Mortgage Pass-Through Certificates
            Series 2002-4
            (Exact name of registrant as specified in its charter)

New York                                        02-0620011
(State or other jurisdiction of                 (I.R.S. Employer
incorporation or organization)                  Identification No.)

c/o Bank of America, NA, as Servicer
101 N. Tryon St.
Charlotte, NC                                   28255
(Address of principal executive offices)        (Zip Code)

Registrant's telephone number, including area code: 704-387-2111

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

      NONE.

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

      NONE.

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

      Yes  X     No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K ( 229.405 of this chapter) is not contained herein, and will
not be contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K.

      Not applicable.

Indicate by check mark whether the registrant is an accelerated filer (as
defined in Exchange Act Rule 12b-2).

      Yes        No  X

State the aggregate market value of the voting and non-voting common equity held
by non-affiliates of the registrant. The aggregate market value shall be
computed by reference to the price at which the common equity was sold, or the
average bid and asked prices of such common equity, as of a specified date
within 60 days prior to the date of filing. (See definition of affiliate in Rule
405, 17 CFR 230.405.)

      Not applicable.

Indicate the number of shares outstanding of each of the registrant's classes of
common stock, as of the latest practicable date.

      Not applicable.

List hereunder the following documents if incorporated by reference and the Part
of the Form 10-K (e.g. Part I, Part II, etc.) into which the document is
incorporated: (1)Any annual report to security holders; (2) Any proxy or
information statement; and (3)Any prospectus filed pursuant to Rule 424(b) or
(c) under the Securities Act of 1933. The listed documents should be clearly
described for identification purposes (e.g. annual report to security holders
for fiscal year ended December 24, 1980).

      Not applicable.

                                Introductory Note

This Annual Report on Form 10-K is prepared in reliance on the no-action letter
dated March 26, 1993 issued by the Securities and Exchange Commission to Nomura
Asset Securities Corporation.

<PAGE>

                                     PART I

Item 1.     Business.

            Omitted.

Item 2.     Properties.

            Not applicable.

Item 3.     Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Pooling and Servicing
            Agreement (the Trust), the Trustee, the Servicer or the registrant
            with respect to the Trusts other than routine litigation incidental
            to the duties of the respective parties.

Item 4.     Submission of Matters to a Vote of Security Holders.

            None.

                                     PART II

Item 5.     Market for registrant's Common Equity and Related Stockholder
            Matters.

            Records provided to the Trust by the DTC and the Trustee indicate
            that as of December 31, 2003, the number of holders of record for
            each class of Certificate were as follows:

            Class 1-A-2                       0
            Class 1-A-3                       0
            Class 1-A-4                       0
            Class 1-A-10                      0
            Class 1-A-11                      0
            Class 1-A-WIO                     0
            Class 2-A-1                       0
            Class 2-A-WIO                     0
            Class 1-A-PO                      0
            Class 1-B-1                       0
            Class 1-B-2                       0
            Class 1-B-3                       0
            Class 1-B-4                       0
            Class 1-B-5                       0
            Class 1-B-6                       0
            Class 2-B-1                       0
            Class 2-B-2                       0
            Class 2-B-3                       0
            Class 2-B-4                       0
            Class 2-B-5                       0
            Class 2-B-6                       0

            Total:                            0

Item 6.     Selected Financial Data.

            Omitted.

Item 7.     Management's Discussion and Analysis of Financial Condition and
            Results of Operation.

            Omitted.

Item 7A.    Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.

Item 8.     Financial Statements and Supplementary Data.

            Omitted.

Item 9.     Changes in and Disagreements with Accountants on Accounting and
            Financial Disclosure.

            None.

Item 9A.    Controls and Procedures Not applicable.

                                    PART III

Item 10.    Directors and Executive Officers of the Registrant.

            Not applicable.

Item 11.    Executive Compensation.

            Not applicable.

Item 12.    Security Ownership of Certain Beneficial Owners and Management.

            Not applicable.

Item 13.    Certain Relationships and Related Transactions.

            Not applicable.

Item 14.    Principal Accounting Fees and Services.

            Not applicable.

                                     PART IV

Item 15.    Exhibits, Financial Statement Schedules and Reports on Form 8-K

(a)

Not Applicable.

(b)

Monthly distribution date statements were filed as exhibits to Form 8-K on
October 3, 2003, November 5, 2003 and December 3, 2003.

(c)

4.1 Pooling and Servicing Agreement (filed as an exhibit to Form 8-K on July 14,
2003).

31.1  Rule 13a-14(a)/15d-14(a) Certification.

99.1 Annual Independent Public Accountant's Servicing Report concerning
servicing activities for the year ended December 31, 2003.

99.2 Annual Statement as to Compliance under the Pooling and Servicing Agreement
for the year ended December 31, 2003.

(d)

Not Applicable

                                   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:

Bank of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Series 2002-4
(Registrant)

Signed:  Bank of America, NA, as Servicer

By: Judy V. Lowman, Officer

By: /s/ Judy V. Lowman, Officer

Dated: March 3, 2004

SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION
15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO
SECTION 12 OF THE ACT.

(a)(i) No annual report is provided to the Certificateholders other than with
respect to aggregate principal and interest distributions.

(a)(ii) No proxy statement, form of proxy or other proxy soliciting material has
been sent to any Certificateholder with respect to any annual or other meeting
of Certificateholders.

<PAGE>

                                  Exhibit Index

Exhibit No.

4.1 Pooling and Servicing Agreement (filed as an exhibit to Form 8-K on July 14,
2003).

31.1  Rule 13a-14(a)/15d-14(a) Certification.

99.1 Annual Independent Public Accountant's Servicing Report concerning
servicing activities for the year ended December 31, 2003.

99.2 Annual Statement as to Compliance under the Pooling and Servicing Agreement
for the year ended December 31, 2003.