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 September 30, 2002

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 333-70496-02

Oakwood Mortgage Investors Inc 

OMI Trust 2002-A

(Exact name of registrant as specified in its charter)

North Carolina	223881663
State or jurisdiction of incorporation or organization	(I.R.S. Employer Identification No.)

c/o J P Morgan Chase & Co.

Attention: Craig M Kantor

4 New York Plaza, 6th floor New York, NY     

(Address of principal executive offices)

10004-2413

(Zip Code)

(212) 623-5356

Registrant’s telephone number, including area code

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. x Yes   ¨ 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.   x

Senior Subordinated Pass through Certificates Series 2002-A

Oakwood Mortgage Investors, Inc.

Manufactured Housing Contract Senior/Subordinated

Pass-Through Certificates, Series 2002-A

FORM 10-K

INDEX

PART I.
	Item 1.	Business
	Item 2.	Properties
	Item 3.	Legal Proceedings
	Item 4.	Submission of Matters to a Vote of Security Holders
PART II.
	Item 1.	Market for Registrant’s Common Equity and Related Stockholder Matters
	Item 2.	Selected Financial Data
	Item 3.	Management’s Discussion and Analysis of Financial Condition and Results of Operations
	Item 4.	Financial Statements and Supplementary Data
	Item 5.	Changes In and Disagreements With Accountants on Accounting and Financial Disclosure
PART III.
	Item 1.	Directors and Executive Officers of the Registrant
	Item 2.	Executive Compensation
	Item 3.	Security Ownership of Certain Beneficial Owners and Management
	Item 4.	Certain Relationships and Related Transactions
PART IV.
	Item 1.	Exhibits, Financial Statement Schedules andReports on Form 8-K
SIGNATURES
INDEX OF EXHIBITS

PART I

Item 1.     Business.

Not Applicable.

Item 2.    Properties.

Not Applicable.

Item 3.    Legal Proceedings.

Not Applicable.

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

Not Applicable.

PART II

Item 5.    Market for Registrant’s Common Equity and Related Stockholder Matters.

At the end of the Registrant’s fiscal year, there were a total of 33 holders of the Registrant’s Series 2002-A Manufactured Housing Contract Senior/Subordinated Pass-Through Certificates, Class A-1, Class A-2, Class A-3, Class A-4, Class A-I0, Class M-1, Class M-2, Class B-1, Class B-2 (collectively, the “Certificates”).

Item 6.    Selected Financial Data.

Not Applicable.

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

Not Applicable.

Item 8.    Financial Statements and Supplementary Data.

Not Applicable.

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

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.

7

PART IV

Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

    Exhibits

99.1	Annualized Remittance Report.
99.2	Annual Report of Registrant’s Independent Certified Public Accountants as Required by Section 3.13(b) of Oakwood Mortgage Investors, Inc.’s Standard Terms to Pooling and Servicing Agreement (September 2001 Edition).
99.3	Servicer’s Annual Compliance Statement as Required by Section 3.13(a) of Oakwood Mortgage Investors, Inc.’s Standard Terms to Pooling and Servicing Agreement (September 2001 Edition).
99.4	Servicer’s Compliance Statement as Required by the Sarbanes-Oxley Act.

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.

		Senior Subordinated Pass Through Certificates Series 2002-A, Registrant
			By: OAKWOOD ACCEPTANCE CORPORATION, LLC             as servicer
Dated:	December 17, 2002		/s/ Derek M Surette
			Derek M Surette
			Vice President/ Controller

INDEX OF EXHIBITS

Page of Sequentially

Numbered Pages

99.1	Annualized Remittance Report.
99.2	Annual Report of Registrant’s Independent Certified Public Accountants as Required by Section 3.13(b) of Oakwood Mortgage Investors, Inc.’s Standard Terms to Pooling and Servicing Agreement (September 2001 Edition).
99.3	Servicer’s Annual Compliance Statement as Required by Section 3.13(a) of Oakwood Mortgage Investors, Inc.’s Standard Terms to Pooling and Servicing Agreement (September 2001 Edition)
99.4	Servicer’s Compliance Statement as Required by the Sarbanes-Oxley Act.