UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

                                    Form 13F

                              Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: December 31, 2002

Check here if Amendment [  ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement.
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:    UNITRIN, INC.
Address: One East Wacker Drive, 10th Floor
         Chicago, IL  60601

13F File Number:  28-02715

The institutional investment manager filing this report and the person by whom
it is signed hereby represent that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:      Richard Roeske
Title:     Vice President
Phone:     312-661-4600

Signature, Place, and Date of Signing:

     /s/ Richard Roeske     Chicago, IL     February 10, 2003


Report Type (Check only one.):

[ X]         13F HOLDINGS REPORT.

[  ]         13F NOTICE.

[  ]         13F COMBINATION REPORT.



                              FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:         2

Form13F Information Table Entry Total:     188

Form13F Information Table Value Total:     $1,147,663 (thousands)


List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional managers with respect to which this report is filed, other
than the manager filing this report.

No.  13F File Number               Name


01   28-00121                      TRINITY UNIVERSAL INSURANCE COMPANY
02   28-00117                      UNITED INSURANCE COMPANY OF AMERICA



                                    
                                                     FORM 13F INFORMATION TABLE
                                                             VALUE  SHARES/ SH/ PUT/ INVSTMT  OTHER            VOTING AUTHORITY
NAME OF ISSUER                 TITLE OF CLASS   CUSIP     (x$1000)  PRN AMT PRN CALL DSCRETN MANAGERS         SOLE   SHARED     NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ABBOTT LABS                    COM              002824100     2400    60000 SH       OTHER   02                  0    60000        0
ABBOTT LABS                    COM              002824100      400    10000 SH       OTHER                       0    10000        0
ALBERTSONS INC                 COM              013104104      447    20100 SH       OTHER   01                  0    20100        0
ALBERTSONS INC                 COM              013104104      447    20100 SH       OTHER   02                  0    20100        0
ALLEGHENY ENERGY INC           COM              017361106      333    44000 SH       DEFINED                 44000        0        0
ALLEGHENY ENERGY INC           COM              017361106     1678   222000 SH       DEFINED 02             222000        0        0
ALLEGHENY ENERGY INC           COM              017361106     1346   178000 SH       DEFINED 01             178000        0        0
AMERICAN EXPRESS CO            COM              025816109      707    20000 SH       OTHER   02                  0    20000        0
AMERICAN INTL GROUP INC        COM              026874107      492     8500 SH       OTHER                       0     8500        0
AMERICAN INTL GROUP INC        COM              026874107     2025    35000 SH       OTHER   02                  0    35000        0
ANHEUSER BUSCH COS INC         COM              035229103      227     4700 SH       OTHER                       0     4700        0
ANHEUSER BUSCH COS INC         COM              035229103     1694    35000 SH       OTHER   02                  0    35000        0
AOL TIME WARNER INC            COM              00184A105      197    15000 SH       OTHER                       0    15000        0
AOL TIME WARNER INC            COM              00184A105      459    35000 SH       OTHER   02                  0    35000        0
BAKER HUGHES INC               COM              057224107    96976  3012600 SH       DEFINED 01            3012600        0        0
BELLSOUTH CORP                 COM              079860102     1811    70000 SH       OTHER   02                  0    70000        0
BELLSOUTH CORP                 COM              079860102      310    12000 SH       OTHER                       0    12000        0
BJS WHOLESALE CLUB INC         COM              05548J106      609    33300 SH       OTHER   02                  0    33300        0
BJS WHOLESALE CLUB INC         COM              05548J106      609    33300 SH       OTHER   01                  0    33300        0
BLACK & DECKER CORP            COM              091797100      493    11500 SH       OTHER   01                  0    11500        0
BLACK & DECKER CORP            COM              091797100      493    11500 SH       OTHER   02                  0    11500        0
BP PLC                         SPONSORED ADR    055622104     2846    70000 SH       OTHER   02                  0    70000        0
BP PLC                         SPONSORED ADR    055622104      508    12500 SH       OTHER                       0    12500        0
BURLINGTON RES INC             COM              122014103      908    21300 SH       OTHER   01                  0    21300        0
BURLINGTON RES INC             COM              122014103      908    21300 SH       OTHER   02                  0    21300        0
CAREMARK RX INC                COM              141705103      778    47900 SH       OTHER   01                  0    47900        0
CAREMARK RX INC                COM              141705103      778    47900 SH       OTHER   02                  0    47900        0
CENDANT CORP                   COM              151313103      718    68500 SH       OTHER   02                  0    68500        0
CENDANT CORP                   COM              151313103      718    68500 SH       OTHER   01                  0    68500        0
CENTURYTEL INC                 COM              156700106      790    26900 SH       OTHER   02                  0    26900        0
CENTURYTEL INC                 COM              156700106      790    26900 SH       OTHER   01                  0    26900        0
CHEVRONTEXACO CORP             COM              166764100     2327    35000 SH       OTHER   02                  0    35000        0
CHEVRONTEXACO CORP             COM              166764100      432     6500 SH       OTHER                       0     6500        0
CITIGROUP INC                  COM              172967101      633    18000 SH       OTHER                       0    18000        0
CITIGROUP INC                  COM              172967101      406    11531 SH       DEFINED                 11531        0        0
CITIGROUP INC                  COM              172967101     2815    80000 SH       OTHER   02                  0    80000        0
CITIGROUP INC                  COM              172967101      352     9994 SH       DEFINED 01               9994        0        0
CITIGROUP INC                  COM              172967101     2158    61315 SH       DEFINED 02              61315        0        0
COCA COLA CO                   COM              191216100     3946    90000 SH       OTHER   02                  0    90000        0
COCA COLA CO                   COM              191216100      789    18000 SH       OTHER                       0    18000        0
COLGATE PALMOLIVE CO           COM              194162103     1311    25000 SH       OTHER   02                  0    25000        0
COLGATE PALMOLIVE CO           COM              194162103      367     7000 SH       OTHER                       0     7000        0
COOPER INDS LTD                CL A             G24182100      281     7700 SH       OTHER   01                  0     7700        0
COOPER INDS LTD                CL A             G24182100      281     7700 SH       OTHER   02                  0     7700        0
DELPHI CORP                    COM              247126105      113    13978 SH       DEFINED                 13978        0        0
DEVON ENERGY CORP NEW          COM              25179M103      528    11500 SH       OTHER   02                  0    11500        0
DEVON ENERGY CORP NEW          COM              25179M103      528    11500 SH       OTHER   01                  0    11500        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      648    29100 SH       OTHER   01                  0    29100        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      648    29100 SH       OTHER   02                  0    29100        0
ELECTRONIC DATA SYS NEW        COM              285661104      641    34800 SH       OTHER   02                  0    34800        0
ELECTRONIC DATA SYS NEW        COM              285661104      641    34800 SH       OTHER   01                  0    34800        0
EMERSON ELEC CO                COM              291011104     1017    20000 SH       OTHER   02                  0    20000        0
EMERSON ELEC CO                COM              291011104      127     2500 SH       OTHER                       0     2500        0
EQUIFAX INC                    COM              294429105      648    28000 SH       OTHER   01                  0    28000        0
EQUIFAX INC                    COM              294429105      648    28000 SH       OTHER   02                  0    28000        0
EXXON MOBIL CORP               COM              30231G102     1237    35400 SH       OTHER                       0    35400        0
EXXON MOBIL CORP               COM              30231G102     6988   200000 SH       OTHER   02                  0   200000        0
FEDERAL HOME LN MTG CORP       COM              313400301     2953    50000 SH       OTHER   02                  0    50000        0
FEDERAL HOME LN MTG CORP       COM              313400301      591    10000 SH       OTHER                       0    10000        0
FEDERAL NATL MTG ASSN          COM              313586109      643    10000 SH       OTHER                       0    10000        0
FEDERAL NATL MTG ASSN          COM              313586109     3860    60000 SH       OTHER   02                  0    60000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206     2043    50000 SH       OTHER   02                  0    50000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206      408    10000 SH       DEFINED 02              10000        0        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206      102     2500 SH       OTHER                       0     2500        0
FORD MTR CO DEL                COM PAR $0.01    345370860      488    52445 SH       DEFINED                 52445        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860      423    45452 SH       DEFINED 01              45452        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860     2593   278833 SH       DEFINED 02             278833        0        0
FORTUNE BRANDS INC             COM              349631101      605    13000 SH       OTHER   02                  0    13000        0
FORTUNE BRANDS INC             COM              349631101      605    13000 SH       OTHER   01                  0    13000        0
GAP INC DEL                    COM              364760108     1009    65000 SH       OTHER   01                  0    65000        0
GAP INC DEL                    COM              364760108     1009    65000 SH       OTHER   02                  0    65000        0
GENERAL ELEC CO                COM              369604103     4140   170000 SH       OTHER   02                  0   170000        0
GENERAL ELEC CO                COM              369604103      852    35000 SH       OTHER                       0    35000        0
GENERAL ELEC CO                COM              369604103     1169    48000 SH       DEFINED                 48000        0        0
GENERAL MTRS CORP              COM              370442105      737    20000 SH       DEFINED                 20000        0        0
GOLDMAN SACHS GROUP INC        COM              38141G104      341     5000 SH       SOLE                     5000        0        0
HARTFORD FINL SVCS GROUP INC   COM              416515104    22088   486200 SH       DEFINED 02             486200        0        0
HEALTHSOUTH CORP               COM              421924101      848   202000 SH       OTHER   01                  0   202000        0
HEALTHSOUTH CORP               COM              421924101      848   202000 SH       OTHER   02                  0   202000        0
INTEL CORP                     COM              458140100      467    30000 SH       OTHER                       0    30000        0
INTEL CORP                     COM              458140100     2491   160000 SH       OTHER   02                  0   160000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101      388     5000 SH       OTHER                       0     5000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101     1550    20000 SH       OTHER   02                  0    20000        0
ITT INDS INC IND               COM              450911102    14754   243100 SH       DEFINED 02             243100        0        0
J P MORGAN CHASE & CO          COM              46625H100      360    15000 SH       OTHER                       0    15000        0
J P MORGAN CHASE & CO          COM              46625H100     1440    60000 SH       OTHER   02                  0    60000        0
JOHNSON & JOHNSON              COM              478160104      752    14000 SH       OTHER                       0    14000        0
JOHNSON & JOHNSON              COM              478160104     3760    70000 SH       OTHER   02                  0    70000        0
KNIGHT RIDDER INC              COM              499040103     1063    16800 SH       OTHER   02                  0    16800        0
KNIGHT RIDDER INC              COM              499040103     1063    16800 SH       OTHER   01                  0    16800        0
KRAFT FOODS INC                CL A             50075N104      779    20000 SH       OTHER                       0    20000        0
KRAFT FOODS INC                CL A             50075N104     3114    80000 SH       OTHER   02                  0    80000        0
KRAFT FOODS INC                CL A             50075N104     1207    31000 SH       DEFINED 02              31000        0        0
LENNAR CORP                    COM              526057104      330     6400 SH       OTHER   02                  0     6400        0
LENNAR CORP                    COM              526057104      330     6400 SH       OTHER   01                  0     6400        0
LIBERTY ALL STAR EQUITY FD     SH BEN INT       530158104     1064   160183 SH       DEFINED                160183        0        0
LILLY ELI & CO                 COM              532457108     2858    45000 SH       OTHER   02                  0    45000        0
LILLY ELI & CO                 COM              532457108      635    10000 SH       OTHER                       0    10000        0
LUCENT TECHNOLOGIES INC        COM              549463107       27    21264 SH       DEFINED                 21264        0        0
MARSH & MCLENNAN COS INC       COM              571748102      739    16000 SH       OTHER                       0    16000        0
MARSH & MCLENNAN COS INC       COM              571748102     3235    70000 SH       OTHER   02                  0    70000        0
MARSHALL & ILSLEY CORP         COM              571834100     1165    42557 SH       DEFINED                 42557        0        0
MASCO CORP                     COM              574599106      596    28300 SH       OTHER   02                  0    28300        0
MASCO CORP                     COM              574599106      596    28300 SH       OTHER   01                  0    28300        0
MATTEL INC                     COM              577081102      557    29100 SH       OTHER   02                  0    29100        0
MATTEL INC                     COM              577081102      557    29100 SH       OTHER   01                  0    29100        0
MBIA INC                       COM              55262C100      702    16000 SH       OTHER   02                  0    16000        0
MBIA INC                       COM              55262C100      702    16000 SH       OTHER   01                  0    16000        0
MCDONALDS CORP                 COM              580135101      884    55000 SH       OTHER   02                  0    55000        0
MCDONALDS CORP                 COM              580135101      241    15000 SH       OTHER                       0    15000        0
MCGRAW HILL COS INC            COM              580645109      604    10000 SH       OTHER                       0    10000        0
MCGRAW HILL COS INC            COM              580645109     2115    35000 SH       OTHER   02                  0    35000        0
MERCK & CO INC                 COM              589331107     4246    75000 SH       OTHER   02                  0    75000        0
MERCK & CO INC                 COM              589331107      793    14000 SH       OTHER                       0    14000        0
MGIC INVT CORP WIS             COM              552848103      636    15400 SH       OTHER   02                  0    15400        0
MGIC INVT CORP WIS             COM              552848103      636    15400 SH       OTHER   01                  0    15400        0
MICROSOFT CORP                 COM              594918104      517    10000 SH       OTHER                       0    10000        0
MICROSOFT CORP                 COM              594918104     2585    50000 SH       OTHER   02                  0    50000        0
MONSANTO CO NEW                COM              61166W101      755    39200 SH       OTHER   02                  0    39200        0
MONSANTO CO NEW                COM              61166W101      755    39200 SH       OTHER   01                  0    39200        0
NORTHROP GRUMMAN CORP          COM              666807102   444697  4584500 SH       DEFINED 01            4584500        0        0
NORTHROP GRUMMAN CORP          COM              666807102   187801  1936092 SH       DEFINED 02            1936092        0        0
NORTHROP GRUMMAN CORP          COM              666807102   111035  1144689 SH       SOLE                  1144689        0        0
NOVELL INC                     COM              670006105      402   120300 SH       OTHER   02                  0   120300        0
NOVELL INC                     COM              670006105      402   120300 SH       OTHER   01                  0   120300        0
OMNICOM GROUP INC              COM              681919106      736    11400 SH       OTHER   02                  0    11400        0
OMNICOM GROUP INC              COM              681919106      736    11400 SH       OTHER   01                  0    11400        0
PEPSICO INC                    COM              713448108      638    15100 SH       OTHER                       0    15100        0
PEPSICO INC                    COM              713448108     2955    70000 SH       OTHER   02                  0    70000        0
PFIZER INC                     COM              717081103     1070    35000 SH       OTHER                       0    35000        0
PFIZER INC                     COM              717081103     6420   210000 SH       OTHER   02                  0   210000        0
PHILIP MORRIS COS INC          COM              718154107     8106   200000 SH       OTHER   02                  0   200000        0
PHILIP MORRIS COS INC          COM              718154107     1621    40000 SH       OTHER                       0    40000        0
PROCTER & GAMBLE CO            COM              742718109      112     1300 SH       OTHER                       0     1300        0
PROCTER & GAMBLE CO            COM              742718109     3438    40000 SH       OTHER   02                  0    40000        0
PUBLIC SVC ENTERPRISE GROUP    COM              744573106      636    19800 SH       OTHER   01                  0    19800        0
PUBLIC SVC ENTERPRISE GROUP    COM              744573106      636    19800 SH       OTHER   02                  0    19800        0
REYNOLDS & REYNOLDS CO         CL A             761695105      886    34800 SH       OTHER   01                  0    34800        0
REYNOLDS & REYNOLDS CO         CL A             761695105      886    34800 SH       OTHER   02                  0    34800        0
ROYAL DUTCH PETE CO            NY REG EUR .56   780257804     1321    30000 SH       OTHER   02                  0    30000        0
SBC COMMUNICATIONS INC         COM              78387G103     1898    70000 SH       OTHER   02                  0    70000        0
SBC COMMUNICATIONS INC         COM              78387G103      325    12000 SH       OTHER                       0    12000        0
SOVEREIGN BANCORP INC          COM              845905108      804    57200 SH       OTHER   02                  0    57200        0
SOVEREIGN BANCORP INC          COM              845905108      804    57200 SH       OTHER   01                  0    57200        0
SPRINT CORP                    COM FON GROUP    852061100      387    26700 SH       OTHER   01                  0    26700        0
SPRINT CORP                    COM FON GROUP    852061100      387    26700 SH       OTHER   02                  0    26700        0
SPX CORP                       COM              784635104      547    14600 SH       OTHER   02                  0    14600        0
SPX CORP                       COM              784635104      547    14600 SH       OTHER   01                  0    14600        0
SUNTRUST BKS INC               COM              867914103     1992    35000 SH       OTHER   02                  0    35000        0
SUNTRUST BKS INC               COM              867914103      461     8100 SH       OTHER                       0     8100        0
SYBASE INC                     COM              871130100      401    29900 SH       OTHER   01                  0    29900        0
SYBASE INC                     COM              871130100      401    29900 SH       OTHER   02                  0    29900        0
SYNOPSYS INC                   COM              871607107      923    20000 SH       OTHER   01                  0    20000        0
SYNOPSYS INC                   COM              871607107      923    20000 SH       OTHER   02                  0    20000        0
TARGET CORP                    COM              87612E106     1350    45000 SH       OTHER   02                  0    45000        0
TARGET CORP                    COM              87612E106      300    10000 SH       OTHER                       0    10000        0
TIFFANY & CO NEW               COM              886547108      301    12600 SH       OTHER   01                  0    12600        0
TIFFANY & CO NEW               COM              886547108      301    12600 SH       OTHER   02                  0    12600        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       80     5442 SH       DEFINED 02               5442        0        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       23     1597 SH       OTHER                       0     1597        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       13      887 SH       DEFINED 01                887        0        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       15     1023 SH       DEFINED                  1023        0        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406      104     7101 SH       OTHER   02                  0     7101        0
UNION PLANTERS CORP            COM              908068109      436    15500 SH       OTHER   01                  0    15500        0
UNION PLANTERS CORP            COM              908068109      436    15500 SH       OTHER   02                  0    15500        0
UNITED PARCEL SERVICE INC      CL B             911312106     1577    25000 SH       OTHER   02                  0    25000        0
UNITED PARCEL SERVICE INC      CL B             911312106      315     5000 SH       OTHER                       0     5000        0
UNIVERSAL AMERN FINL CORP      COM              913377107      576    99012 SH       DEFINED                 99012        0        0
UNOVA INC                      COM              91529B106    75947 12657764 SH       SOLE                 12657764        0        0
VERIZON COMMUNICATIONS         COM              92343V104      194     5000 SH       OTHER                       0     5000        0
VERIZON COMMUNICATIONS         COM              92343V104      388    10000 SH       OTHER   02                  0    10000        0
VIACOM INC                     CL B             925524308      815    20000 SH       OTHER   02                  0    20000        0
VISTEON CORP                   COM              92839U107      145    20883 SH       DEFINED 02              20883        0        0
VISTEON CORP                   COM              92839U107       51     7331 SH       DEFINED                  7331        0        0
WAL MART STORES INC            COM              931142103     3283    65000 SH       OTHER   02                  0    65000        0
WAL MART STORES INC            COM              931142103      606    12000 SH       OTHER                       0    12000        0
WALGREEN CO                    COM              931422109     2627    90000 SH       OTHER   02                  0    90000        0
WALGREEN CO                    COM              931422109      584    20000 SH       OTHER                       0    20000        0
WASHINGTON MUT INC             COM              939322103     1381    40000 SH       OTHER   02                  0    40000        0
WASHINGTON MUT INC             COM              939322103     1381    40000 SH       OTHER   01                  0    40000        0
WATERS CORP                    COM              941848103      577    26500 SH       OTHER   02                  0    26500        0
WATERS CORP                    COM              941848103      577    26500 SH       OTHER   01                  0    26500        0
WATSON PHARMACEUTICALS INC     COM              942683103      633    22400 SH       OTHER   01                  0    22400        0
WATSON PHARMACEUTICALS INC     COM              942683103      633    22400 SH       OTHER   02                  0    22400        0
XEROX CORP                     COM              984121103      507    63000 SH       OTHER   01                  0    63000        0
XEROX CORP                     COM              984121103      507    63000 SH       OTHER   02                  0    63000        0
YUM BRANDS INC                 COM              988498101      429    17700 SH       OTHER   02                  0    17700        0
YUM BRANDS INC                 COM              988498101      429    17700 SH       OTHER   01                  0    17700        0