As filed with the Securities and Exchange Commission on March 31, 2003 - ------------------------------------------------------------------------------ SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 -------------------------------------------------------- FORM 11-K /X/ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2002 Commission File No: 1-6695 JO-ANN STORES, INC. ASSOCIATE STOCK OWNERSHIP PLAN (Full title of the plan and the address of the plan, if different from that of the issuer named below) Jo-Ann Stores, Inc. 5555 Darrow Road Hudson, OH 44236 (Name of issuer of the securities held pursuant to the plan and the address of its principal executive office) Page 1 of 3 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Advisory Committee, the administrator of the Jo-Ann Stores, Inc. Associate Stock Ownership Plan, has duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized. March 31, 2003 Jo-Ann Stores, Inc. Associate Stock Ownership Plan /s/ Brian Carney Executive Vice President and Chief Financial Officer and Secretary of Advisory Committee Page 2 of 3 JO-ANN STORES, INC. ASSOCIATE STOCK OWNERSHIP PLAN EXHIBIT INDEX Official Exhibit No. Description ----------- ----------- 23.1 Consent of Independent Public Accountants 99 Jo-Ann Stores, Inc. Associate Stock Ownership Plan Financial Statements As of December 31, 2002 Together With Report of Independent Public Accountants 99.1 Previous Year Audit Opinion