THIS PAPER DOCUMENT IS BEING SUBMITTED PURSUANT TO
RULE 901 9(d) OF REGULATION S-T


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

SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 2)*


Crawford & Company, Class B
(Name of Issuer)

Common
(Title of Class of Securities)

224633107
(CUSIP Number)


(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to
which this
Schedule is filed:
[X ]
Rule 13d-1(b)
[ ]
Rule 13d-1(c)
[ ]
Rule 13d-1(d)


CUSIP No. 224633107


1.
Names of Reporting Persons.
I.R.S. Identification Nos. of above persons (entities only).

Wachovia Corporation
56-0898180


2.
Check the Appropriate Box if a Member of a Group (See
Instructions)

(a)

(b)


3.
SEC Use Only


4.
Citizenship or Place of Organization
North Carolina


Number of Shares Beneficially Owned by Each Reporting
Person With


5. Sole Voting Power            0

6. Shared Voting Power          0

7. Sole Dispositive Power       91445

8. Shared Dispositive Power     0


9.
Aggregate Amount Beneficially Owned by Each Reporting Person
91445


10.
Check if the Aggregate Amount in Row (9) Excludes Certain
Shares
(See Instructions)
Not Applicable.


11.
Percent of Class Represented by Amount in Row (9)
0.37%

12.
Type of Reporting Person (See Instructions)
Parent Holding Company (HC)


Item 1.

(a)Name of Issuer
Crawford & Company, Class B


(b) Address of Issuer's Principal Executive Offices
5620 Glenridge Drive, NE
Atlanta, GA 30342



Item 2.

(a) Name of Person Filing
 Wachovia Corporation


(b) Address of Principal Business Office or, if none,
Residence
 One First Union Center
 Charlotte, North Carolina 28288-0137


(c) Citizenship
 North Carolina


(d) Title of Class of Securities
 Common


(e) CUSIP Number
 337358105


Item 3.
If this statement is filed pursuant to 240.13d-1(b) or
240.13d-2(b) or
c), check whether the person filing is a:

(g)[X ] A parent holding company or control person in
accordance with
240.13d-1(b)(1)(ii)(G);

Item 4.
Ownership.

Provide the following information regarding the aggregate
number and
percentage of the class of securities of the issuer
identified in Item 1.

(a)
Amount beneficially owned: 91445.

(b)
Percent of class: 0.37%.

(c)
Number of shares as to which the person has:

(i)
Sole power to vote or to direct the vote 0.


(ii)
Shared power to vote or to direct the vote 0.


(iii)
Sole power to dispose or to direct the disposition of 91445.


(iv)
Shared power to dispose or to direct the disposition of 0.




Item 5.
Ownership of Five Percent or Less of a Class


If this statement is being filed to report the fact that as
of the date
hereof the reporting person has ceased to be the beneficial
owner of
more than five percent of the class of securities, check the
following
[ ].


Item 6.
Ownership of More than Five Percent on Behalf of Another
Person.
Not Applicable.

Item 7.
Identification and classification of the subsidiary which
acquired the security being reported on by the parent
holding company:

Wachovia Corporation is filing this schedule pursuant to
Rule 13d-1(b)(1)(ii)(G) as indicated under Item 3(g).  The
relevant subsidiaries are First Union Securities, Inc. (IA),
First Union National Bank (BK) and Offitbank (BK). First
Union Securities Inc. is an investment advisor for mutual
funds and other clients; the securities reported by this
subsidiary are beneficially owned by such mutual funds or
other clients.  The other Wachovia entities listed above
holds the securities reported in a fiduciary capacity for
their respective customers.

Item 8.
Identification and Classification of Members of the Group
Not Applicable.


Item 9.
Notice of Dissolution of Group
Not Applicable.

Item 10.
Certification

(a)
The following certification shall be included if the
statement is filed
pursuant to 240.13d-1(b):

By signing below I certify that, to the best of my knowledge
and belief, the securities referred to above were acquired
and are held in the ordinary course of business and were not
acquired and are not held for the purpose of or with
the effect of changing or influencing the control of the
issuer of the
securities and were not acquired and are not held in
connection with or as a participant in any transaction
having that purpose or effect.


SIGNATURE
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
statement is true, complete and correct.

10/30/2002
Date

Signature

Karen F. Knudtsen, Vice President & Trust Officer
Name/Title