EX-31.1


                Sarbanes-Oxley Certification (2002 Transactions)

                      BANC OF AMERICA FUNDING CORPORATION,
                       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 certificate holders (the "Distribution Date Statements")
    delivered pursuant to Section 5.04(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, 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 this annual report;

3.  Based on my knowledge, the distribution or servicing information required to
    be provided to the Trustee by the Servicer under the Agreement for inclusion
    in these reports is included in these reports;

4.  I am responsible for reviewing the activities performed by the Servicer
    under the Agreement and based upon my knowledge and the annual compliance
    review required under the Agreement, and except as disclosed in the reports,
    the Servicer has fulfilled its obligations under the Agreement;

5.  The reports disclose all significant deficiencies relating to the Servicer's
    compliance with the minimum servicing standards, based upon the report
    provided by an 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





                                    EXHIBIT I


PARTIES TO AGREEMENT                 DATE OF AGREEMENT                   SERIES

Banc of America Funding              May 23, 2002                        2002-1
Corporation, Bank Of America,
N.A. and The Bank of New York

Banc of America Funding              November 26, 2002, as               2002-2
Corporation, Bank Of America,        amended by Amendment
N.A. and The Bank of New York        No. 1 dated January 30, 2004