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 December 31, 2002

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

Commission File Number: 333-56242-06

Madison Avenue Manufactured Housing Contract Trust
Asset-Backed Certificates
Series 2002-A Trust

(Exact name of registrant as specified in its charter)

New York 52-7281894
52-2365593
52-2365594
52-2365595
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (410) 884-2000

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.

Yes X 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.

Not applicable.

State the aggregate market value of the voting and non-voting common
equity held by non-affiliates of the registrant. The aggregate market
value shall be computed by reference to the price at which the common
equity was sold, or the average bid and asked prices of such common
equity, as of a specified date within 60 days prior to the date of
filing. (See definition of affiliate in Rule 405, 17 CFR 230.405.)

Not applicable.

Indicate the number of shares outstanding of each of the registrant's
classes of common stock, as of the latest practicable date.

Not applicable.

List hereunder the following documents if incorporated by reference and
the Part of the Form 10-K (e.g. Part I, Part II, etc..) into which the
document is incorporated: (1)Any annual report to security holders; (2)
Any proxy or information statement; and (3)Any prospectus filed pursuant
to Rule 424(b) or (c) under the Securities Act of 1933. The listed
documents should be clearly described for identification purposes (e.g.
annual report to security holders for fiscal year ended December 24, 1980).

Not applicable.

PART I

Item 1. Business.

Omitted.

Item 2. Properties.

See Item 14(a), Exhibits 99.1, 99.2, and 99.3, for information
provided in lieu of information required by Item 102 of
Regulation S-K.

Item 3. Legal Proceedings.

The registrant knows of no material pending legal proceedings
involving the trusts created under the Pooling and Servicing
Agreement (the Trusts), the Trustee, the Servicer or the
registrant with respect to the Trusts other than routine
litigation incidental to the duties of the respective parties.

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

None.

PART II

Item 5. Market for registrant's Common Equity and Related Stockholder
Matters.

No established public trading market for the Certificates exists.

Records provided to the Trust by the DTC and the Trustee
indicate that as of December 31, 2002, the number of holders of
record for each class of Certificate were as follows:

Class A-1 13
Class A-2 1
Class A-IO 1
Class B-1 7
Class B-2 1
Class C 1
Class HL 1
Class M-1 4
Class M-2 6
Class R-1 1

Total: 36

Item 6. Selected Financial Data.

Omitted.

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

Omitted.

Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

Not applicable.

Item 8. Financial Statements and Supplementary Data.

See Item 14(a), Exhibits 99.1, 99.2, 99.3, for information
provided in lieu of information required by Item 302 of
Regulation S-K.

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

None.

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.

Item 14. Controls and Procedures.

Not applicable.

PART IV

Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

(a) Exhibits

(99.1) Annual Independent Accountants' Servicing Reports concerning
servicing activities for the year ended December 31, 2002.

<s> <c>
a) Greenpoint Credit LLC, as Servicer <F1>

(99.2) Report of Management as to Compliance with Minimum Servicing
Standards for the year ended December 31, 2002.

<s> <c>
a) Greenpoint Credit LLC, as Servicer <F1>

(99.3) Annual Statements of Compliance under the Pooling and Servicing
Agreements for the year ended December 31, 2002.

<s> <c>
a) Greenpoint Credit LLC, as Servicer <F1>

(99.4) Aggregate Statement of Principal and Interest Distributions to
Certificate Holders.

(b) On November 12, 2002, December 10, 2002, and January 09, 2003
reports on Form 8-K were filed by the Company in order to provide
the statements for the monthly distributions to holders of the
Certificates. No other reports on Form 8-K have been filed during
the last quarter of the period covered by this report.

(d) Omitted.

<F1> Filed herewith.

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:

Madison Avenue Manufactured Housing Contract Trust
Asset-Backed Certificates
Series 2002-A Trust
(Registrant)

Signed: Bear Stearns Asset Backed Securities Inc. as Depositor

By: Jeffrey Mayer, President

By: /s/ Jeffrey Mayer

Dated: April 14, 2003

Sarbanes-Oxley Certification

I, Jeffrey Mayer, certify that:

1. I have reviewed this annual report on Form 10-K, and all reports on Form
8-K containing distribution or servicing reports filed in respect of
periods included in the year covered by this annual report, of Madison
Avenue Manufactured Housing Contract Trust Asset-Backed Certificates
Series 2002-A Trust;

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 pooling and
servicing, or similar, agreement, for inclusion in these reports is
included in these reports;

4. Based on my knowledge and upon the annual compliance statement
included in the report and required to be delivered to the
trustee in accordance with the terms of the pooling and
servicing, or similar, agreement, and except as disclosed
in the reports, the servicer has fulfilled its obligations
under the servicing agreement; and

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 pooling and
servicing, or similar, agreement, that is included in these reports.

In giving the certifications above, I have reasonably relied on
information provided to me by the following unaffiliated parties:
Greenpoint Credit LLC, as Servicer and Wells Fargo Bank Minnesota, N.A.
as Trustee.

Date: April 14, 2003

Jeffrey Mayer
Signature

President
Title

SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED
SECURITIES PURSUANT TO SECTION 12 OF THE ACT.

(a)(i) No annual report is provided to the Certificateholders other than
with respect to aggregate principal and interest distributions.

(a)(ii) No proxy statement, form of proxy or other proxy soliciting
material has been sent to any Certificateholder with respect to any
annual or other meeting of Certificateholders.

Ex-99.1 (a)

PriceWaterhouseCoopers (logo)

PriceWaterhouseCoopers LLP
400 South Hope Street, 22nd Floor
Los Angeles, CA 90071-2889
Telephone (213) 236 3000
Facsimile (213) 622 9062

Report of Independent Accountants

To the Board of Directors and Stockholders
Of GreenPoint Credit LLC

We have examined managemnet's assertion about GreenPoint Credit LLC's (the
"Company") compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2002
included in the accompanying management assetion (see Exhibit I). Management
is responsible for the Company's compliance with those minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with the minimum servicing standards and performing such other procedures as
we considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide
a legal determination on the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2002 is fairly stated, in all material respects.

/s/ PriceWaterhouseCoopers LLP

February 20, 2003

Ex-99.2 (a)

Exhibit I

Management's Assertion Concerning Compliance with USAP Minimum Servicing
Standards

February 20, 2003

PricewaterhouseCoopers LLP
400 S. Hope Street
Los Angeles, CA 90071

Ladies and Gentlemen:

As of and for the year ended December 31, 2002, GreenPoint Credit LLC ("the
Company") has complied in all material respects with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation for Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions limits of liability of $50 million and $20 million,
respectively.

Sincerely,

/s/ Charles P. Richardson
Charles P. Richardson, Executive Vice President, COO and CFO

/s/ Charles O. Ryan
Charles O. Ryan, Senior Vice President and Controller through , 2002

/s/ Derek Wiesner
Derek Wiesner, Senior Vice President

/s/ Michael Najewicz
Michael Najewicz, SVP and General Counsel

Ex-99.3 (a)

10089 Willow Creek Road
San Diego, CA 92131
Tel. (858) 549-4700

GreenPoint Credit (logo)

ANNUAL STATEMENT AS TO COMPLIANCE

The undersigned certifies that he is a Vice President of GreenPoint Credit, LLC
(the "Servicer") and that, as such, he is duly authorized to execute and
deliver this certificate on behalf of the Servicer pursuant to Section 3.20
of the Pooling and Servicing Agreement (the "Agreement"), dated as of March 1,
2002, between Bear Stearns Asset Backed Securities, Inc., as Depositor,
GreenPoint Credit, LLC, as Servicer, and Wells Fargo Bank Minnesota, National
Association, as Trustee 2002-A, (all capitalized terms used herein without
definition having the respective meanings specified in the Agreement) and
further certifies that:

1. I have reviewed the activities for the one year period ending December 31,
2002 and performance under this agreement had been made under such officer's
supervision under Section 3.20 of the Agreement; and

2. To the best of my knowledge, based on such review, the Servicer has
fulfilled all its obligations under this Agreement throughout such period.

IN WITNESS WHEREOF, I have affixed hereunto my signature this 28th day February
2003.

GreenPoint, LLC
By /s/ Kurt Miller
Kurt Miller
Vice President

Re: Madison Ave

Ex-99.4
Schedule of Year-To-Date Principal and Interest Distributions to
Certificateholders

Class Interest Principal Losses Ending Balance
<s> <c> <c> <c> <c>
A-1 5,879,412.42 42,602,283.54 0.00 338,726,716.45
A-2 2,678,040.92 21,097,959.92 0.00 153,902,040.09
A-IO 1,821,035.08 0.00 0.00 0.00
Ambac 850,399.42 0.00 0.00 0.00
B-1 2,254,028.14 0.00 0.00 59,005,000.00
B-2 2,254,028.14 0.00 0.00 59,005,000.00
C 39,965.37 0.00 0.00 48,244,665.43
HL 7,186,200.82 0.00 0.00 0.00
M-1 1,396,857.15 0.00 0.00 56,897,000.00
M-2 1,871,084.21 0.00 0.00 61,112,000.00
R-1 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00
R-3 0.00 0.00 0.00 0.00