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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


        Date of Report (Date of earliest event reported) March 31, 2003

                   BEAR STEARNS ASSET BACKED SECURITIES, INC.
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             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)



          Delaware                     333-91334                13-3836437
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(STATE OR OTHER JURISDICTION          (COMMISSION            (I.R.S. EMPLOYER
      OF INCORPORATION)               FILE NUMBER)          IDENTIFICATION NO.)

 383 Madison Avenue
 New York, New York                                               10179
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(ADDRESS OF PRINCIPAL                                           (ZIP CODE)
 EXECUTIVE OFFICES)


Registrants telephone number, including area code, is (212) 272-2000








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Item 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

          (a)    Not applicable

          (b)    Not applicable

          (c)    Exhibits:

          1. Pooling and Servicing Agreement, dated as of March 1, 2003, among
Bear Stearns Asset Backed Securities, Inc., a Delaware corporation, as
depositor, EMC Mortgage Corporation, a Delaware corporation, as seller and as
company, Wells Fargo Bank Minnesota, National Association, a national banking
association, as master servicer and as securities administrator and JPMorgan
Chase Bank, as trustee.








     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on behalf of the Registrant
by the undersigned thereunto duly authorized.

                                           BEAR STEARNS ASSET BACKED SECURITIES,
                                           INC.

                                           By:    /s/ Joseph Jurkowski
                                                --------------------------------
                                           Name:  Joseph Jurkowski
                                           Title: Managing Director

Dated: April 22, 2003






                                  EXHIBIT INDEX



                   Item 601 (a) of          Sequentially
Exhibit            Regulation S-K           Numbered
Number             Exhibit No.              Description                     Page
- ------             -----------              -----------                     ----
1                  4                        Pooling and Servicing           5
                                            Agreement