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

                                    Form 13F

                              Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: March 31, 2003

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     May 07, 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:     181

Form13F Information Table Value Total:     $1,002,652 (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      376    10000 SH       OTHER                       0    10000        0
ABBOTT LABS                    COM              002824100     2257    60000 SH       OTHER   02                  0    60000        0
ALBERTSONS INC                 COM              013104104      379    20100 SH       OTHER   01                  0    20100        0
ALBERTSONS INC                 COM              013104104      379    20100 SH       OTHER   02                  0    20100        0
ALLEGHENY ENERGY INC           COM              017361106      122    19600 SH       DEFINED 01              19600        0        0
ALLEGHENY ENERGY INC           COM              017361106      273    44000 SH       DEFINED                 44000        0        0
ALLEGHENY ENERGY INC           COM              017361106      233    37600 SH       DEFINED 02              37600        0        0
ALTRIA GROUP INC               COM              02209S103     1198    40000 SH       OTHER                       0    40000        0
ALTRIA GROUP INC               COM              02209S103     5992   200000 SH       OTHER   02                  0   200000        0
AMERICAN EXPRESS CO            COM              025816109      665    20000 SH       OTHER   02                  0    20000        0
AMERICAN INTL GROUP INC        COM              026874107     1731    35000 SH       OTHER   02                  0    35000        0
AMERICAN INTL GROUP INC        COM              026874107      420     8500 SH       OTHER                       0     8500        0
ANHEUSER BUSCH COS INC         COM              035229103     1771    38000 SH       OTHER   02                  0    38000        0
ANHEUSER BUSCH COS INC         COM              035229103      275     5900 SH       OTHER                       0     5900        0
AOL TIME WARNER INC            COM              00184A105      380    35000 SH       OTHER   02                  0    35000        0
AOL TIME WARNER INC            COM              00184A105      163    15000 SH       OTHER                       0    15000        0
BAKER HUGHES INC               COM              057224107    76498  2555900 SH       DEFINED 01            2555900        0        0
BELLSOUTH CORP                 COM              079860102      260    12000 SH       OTHER                       0    12000        0
BELLSOUTH CORP                 COM              079860102     1517    70000 SH       OTHER   02                  0    70000        0
BLACK & DECKER CORP            COM              091797100      662    19000 SH       OTHER   02                  0    19000        0
BLACK & DECKER CORP            COM              091797100      662    19000 SH       OTHER   01                  0    19000        0
BP PLC                         SPONSORED ADR    055622104     2701    70000 SH       OTHER   02                  0    70000        0
BP PLC                         SPONSORED ADR    055622104      482    12500 SH       OTHER                       0    12500        0
BURLINGTON RES INC             COM              122014103      787    16500 SH       OTHER   01                  0    16500        0
BURLINGTON RES INC             COM              122014103      787    16500 SH       OTHER   02                  0    16500        0
CAREMARK RX INC                COM              141705103      869    47900 SH       OTHER   01                  0    47900        0
CAREMARK RX INC                COM              141705103      869    47900 SH       OTHER   02                  0    47900        0
CENDANT CORP                   COM              151313103      870    68500 SH       OTHER   01                  0    68500        0
CENDANT CORP                   COM              151313103      870    68500 SH       OTHER   02                  0    68500        0
CENTURYTEL INC                 COM              156700106      762    27600 SH       OTHER   02                  0    27600        0
CENTURYTEL INC                 COM              156700106      762    27600 SH       OTHER   01                  0    27600        0
CHEVRONTEXACO CORP             COM              166764100     2263    35000 SH       OTHER   02                  0    35000        0
CHEVRONTEXACO CORP             COM              166764100      420     6500 SH       OTHER                       0     6500        0
CITIGROUP INC                  COM              172967101      620    18000 SH       OTHER                       0    18000        0
CITIGROUP INC                  COM              172967101     2112    61315 SH       DEFINED 02              61315        0        0
CITIGROUP INC                  COM              172967101      344     9994 SH       DEFINED 01               9994        0        0
CITIGROUP INC                  COM              172967101      397    11531 SH       DEFINED                 11531        0        0
CITIGROUP INC                  COM              172967101     2756    80000 SH       OTHER   02                  0    80000        0
COCA COLA CO                   COM              191216100     4311   106500 SH       OTHER   02                  0   106500        0
COCA COLA CO                   COM              191216100      729    18000 SH       OTHER                       0    18000        0
COLGATE PALMOLIVE CO           COM              194162103     1361    25000 SH       OTHER   02                  0    25000        0
COLGATE PALMOLIVE CO           COM              194162103      381     7000 SH       OTHER                       0     7000        0
COMCAST CORP NEW               CL A             20030N101      228     7960 SH       DEFINED                  7960        0        0
CONCORD EFS INC                COM              206197105      534    56800 SH       OTHER   01                  0    56800        0
CONCORD EFS INC                COM              206197105      534    56800 SH       OTHER   02                  0    56800        0
COOPER INDS LTD                CL A             G24182100      275     7700 SH       OTHER   02                  0     7700        0
COOPER INDS LTD                CL A             G24182100      275     7700 SH       OTHER   01                  0     7700        0
DELPHI CORP                    COM              247126105       95    13978 SH       DEFINED                 13978        0        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      725    25100 SH       OTHER   02                  0    25100        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      725    25100 SH       OTHER   01                  0    25100        0
ELECTRONIC DATA SYS NEW        COM              285661104      612    34800 SH       OTHER   02                  0    34800        0
ELECTRONIC DATA SYS NEW        COM              285661104      612    34800 SH       OTHER   01                  0    34800        0
EMERSON ELEC CO                COM              291011104      907    20000 SH       OTHER   02                  0    20000        0
EMERSON ELEC CO                COM              291011104      132     2900 SH       OTHER                       0     2900        0
EQUIFAX INC                    COM              294429105      676    33800 SH       OTHER   01                  0    33800        0
EQUIFAX INC                    COM              294429105      676    33800 SH       OTHER   02                  0    33800        0
EXXON MOBIL CORP               COM              30231G102     1237    35400 SH       OTHER                       0    35400        0
EXXON MOBIL CORP               COM              30231G102     6990   200000 SH       OTHER   02                  0   200000        0
FEDERAL HOME LN MTG CORP       COM              313400301     2655    50000 SH       OTHER   02                  0    50000        0
FEDERAL HOME LN MTG CORP       COM              313400301      531    10000 SH       OTHER                       0    10000        0
FEDERAL NATL MTG ASSN          COM              313586109     3921    60000 SH       OTHER   02                  0    60000        0
FEDERAL NATL MTG ASSN          COM              313586109      654    10000 SH       OTHER                       0    10000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206       88     2500 SH       OTHER                       0     2500        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206     1762    50000 SH       OTHER   02                  0    50000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206      352    10000 SH       DEFINED 02              10000        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860      342    45452 SH       DEFINED 01              45452        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860      394    52445 SH       DEFINED                 52445        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860     2097   278833 SH       DEFINED 02             278833        0        0
FORTUNE BRANDS INC             COM              349631101      699    16300 SH       OTHER   02                  0    16300        0
FORTUNE BRANDS INC             COM              349631101      699    16300 SH       OTHER   01                  0    16300        0
GAP INC DEL                    COM              364760108      942    65000 SH       OTHER   01                  0    65000        0
GAP INC DEL                    COM              364760108      942    65000 SH       OTHER   02                  0    65000        0
GENERAL ELEC CO                COM              369604103     4335   170000 SH       OTHER   02                  0   170000        0
GENERAL ELEC CO                COM              369604103      893    35000 SH       OTHER                       0    35000        0
GENERAL ELEC CO                COM              369604103     1224    48000 SH       DEFINED                 48000        0        0
GENERAL MTRS CORP              COM              370442105      672    20000 SH       DEFINED                 20000        0        0
GOLDMAN SACHS GROUP INC        COM              38141G104      340     5000 SH       SOLE                     5000        0        0
HARTFORD FINL SVCS GROUP INC   COM              416515104    17158   486200 SH       DEFINED 02             486200        0        0
INTEL CORP                     COM              458140100      488    30000 SH       OTHER                       0    30000        0
INTEL CORP                     COM              458140100     2605   160000 SH       OTHER   02                  0   160000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101      392     5000 SH       OTHER                       0     5000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101     1569    20000 SH       OTHER   02                  0    20000        0
J P MORGAN CHASE & CO          COM              46625H100      356    15000 SH       OTHER                       0    15000        0
J P MORGAN CHASE & CO          COM              46625H100     1423    60000 SH       OTHER   02                  0    60000        0
JOHNSON & JOHNSON              COM              478160104      810    14000 SH       OTHER                       0    14000        0
JOHNSON & JOHNSON              COM              478160104     5208    90000 SH       OTHER   02                  0    90000        0
KNIGHT RIDDER INC              COM              499040103      591    10100 SH       OTHER   02                  0    10100        0
KNIGHT RIDDER INC              COM              499040103      591    10100 SH       OTHER   01                  0    10100        0
KRAFT FOODS INC                CL A             50075N104      874    31000 SH       DEFINED 02              31000        0        0
KRAFT FOODS INC                CL A             50075N104     2256    80000 SH       OTHER   02                  0    80000        0
KRAFT FOODS INC                CL A             50075N104      564    20000 SH       OTHER                       0    20000        0
LABORATORY CORP AMER HLDGS     COM NEW          50540R409      279     9400 SH       OTHER   01                  0     9400        0
LABORATORY CORP AMER HLDGS     COM NEW          50540R409      279     9400 SH       OTHER   02                  0     9400        0
LENNAR CORP                    COM              526057104      632    11800 SH       OTHER   01                  0    11800        0
LENNAR CORP                    COM              526057104      632    11800 SH       OTHER   02                  0    11800        0
LIBERTY ALL STAR EQUITY FD     SH BEN INT       530158104     1078   160183 SH       DEFINED                160183        0        0
LILLY ELI & CO                 COM              532457108     2572    45000 SH       OTHER   02                  0    45000        0
LILLY ELI & CO                 COM              532457108      572    10000 SH       OTHER                       0    10000        0
LUCENT TECHNOLOGIES INC        COM              549463107       31    21264 SH       DEFINED                 21264        0        0
MARSH & MCLENNAN COS INC       COM              571748102     2984    70000 SH       OTHER   02                  0    70000        0
MARSH & MCLENNAN COS INC       COM              571748102      682    16000 SH       OTHER                       0    16000        0
MARSHALL & ILSLEY CORP         COM              571834100     1088    42557 SH       DEFINED                 42557        0        0
MASCO CORP                     COM              574599106      661    35500 SH       OTHER   02                  0    35500        0
MASCO CORP                     COM              574599106      661    35500 SH       OTHER   01                  0    35500        0
MATTEL INC                     COM              577081102      295    13100 SH       OTHER   01                  0    13100        0
MATTEL INC                     COM              577081102      295    13100 SH       OTHER   02                  0    13100        0
MBIA INC                       COM              55262C100      618    16000 SH       OTHER   01                  0    16000        0
MBIA INC                       COM              55262C100      618    16000 SH       OTHER   02                  0    16000        0
MCDONALDS CORP                 COM              580135101      795    55000 SH       OTHER   02                  0    55000        0
MCDONALDS CORP                 COM              580135101      217    15000 SH       OTHER                       0    15000        0
MCGRAW HILL COS INC            COM              580645109     1946    35000 SH       OTHER   02                  0    35000        0
MCGRAW HILL COS INC            COM              580645109      556    10000 SH       OTHER                       0    10000        0
MERCK & CO INC                 COM              589331107     4109    75000 SH       OTHER   02                  0    75000        0
MERCK & CO INC                 COM              589331107      767    14000 SH       OTHER                       0    14000        0
MGIC INVT CORP WIS             COM              552848103      770    19600 SH       OTHER   01                  0    19600        0
MGIC INVT CORP WIS             COM              552848103      770    19600 SH       OTHER   02                  0    19600        0
MICROSOFT CORP                 COM              594918104     2421   100000 SH       OTHER   02                  0   100000        0
MICROSOFT CORP                 COM              594918104      484    20000 SH       OTHER                       0    20000        0
MONSANTO CO NEW                COM              61166W101      643    39200 SH       OTHER   02                  0    39200        0
MONSANTO CO NEW                COM              61166W101      643    39200 SH       OTHER   01                  0    39200        0
NORTHROP GRUMMAN CORP          COM              666807102    98214  1144689 SH       SOLE                  1144689        0        0
NORTHROP GRUMMAN CORP          COM              666807102   393350  4584500 SH       DEFINED 01            4584500        0        0
NORTHROP GRUMMAN CORP          COM              666807102   166117  1936092 SH       DEFINED 02            1936092        0        0
NOVELL INC                     COM              670006105      259   120300 SH       OTHER   02                  0   120300        0
NOVELL INC                     COM              670006105      259   120300 SH       OTHER   01                  0   120300        0
OMNICOM GROUP INC              COM              681919106      618    11400 SH       OTHER   02                  0    11400        0
OMNICOM GROUP INC              COM              681919106      618    11400 SH       OTHER   01                  0    11400        0
PEPSICO INC                    COM              713448108      604    15100 SH       OTHER                       0    15100        0
PEPSICO INC                    COM              713448108     2800    70000 SH       OTHER   02                  0    70000        0
PFIZER INC                     COM              717081103     1091    35000 SH       OTHER                       0    35000        0
PFIZER INC                     COM              717081103     6544   210000 SH       OTHER   02                  0   210000        0
PROCTER & GAMBLE CO            COM              742718109      196     2200 SH       OTHER                       0     2200        0
PROCTER & GAMBLE CO            COM              742718109     3874    43500 SH       OTHER   02                  0    43500        0
REYNOLDS & REYNOLDS CO         CL A             761695105      880    34800 SH       OTHER   02                  0    34800        0
REYNOLDS & REYNOLDS CO         CL A             761695105      880    34800 SH       OTHER   01                  0    34800        0
ROYAL DUTCH PETE CO            NY REG EUR .56   780257804     1223    30000 SH       OTHER   02                  0    30000        0
SBC COMMUNICATIONS INC         COM              78387G103     1404    70000 SH       OTHER   02                  0    70000        0
SBC COMMUNICATIONS INC         COM              78387G103      241    12000 SH       OTHER                       0    12000        0
SOVEREIGN BANCORP INC          COM              845905108      792    57200 SH       OTHER   02                  0    57200        0
SOVEREIGN BANCORP INC          COM              845905108      792    57200 SH       OTHER   01                  0    57200        0
SPRINT CORP                    COM FON GROUP    852061100      314    26700 SH       OTHER   01                  0    26700        0
SPRINT CORP                    COM FON GROUP    852061100      314    26700 SH       OTHER   02                  0    26700        0
SPX CORP                       COM              784635104      499    14600 SH       OTHER   02                  0    14600        0
SPX CORP                       COM              784635104      499    14600 SH       OTHER   01                  0    14600        0
STARWOOD HOTELS&RESORTS WRLD   PAIRED CTF       85590A203      564    23700 SH       OTHER   01                  0    23700        0
STARWOOD HOTELS&RESORTS WRLD   PAIRED CTF       85590A203      564    23700 SH       OTHER   02                  0    23700        0
SUNTRUST BKS INC               COM              867914103     1843    35000 SH       OTHER   02                  0    35000        0
SUNTRUST BKS INC               COM              867914103      426     8100 SH       OTHER                       0     8100        0
SYBASE INC                     COM              871130100      512    39500 SH       OTHER   02                  0    39500        0
SYBASE INC                     COM              871130100      512    39500 SH       OTHER   01                  0    39500        0
SYNOPSYS INC                   COM              871607107      851    20000 SH       OTHER   02                  0    20000        0
SYNOPSYS INC                   COM              871607107      851    20000 SH       OTHER   01                  0    20000        0
TARGET CORP                    COM              87612E106     1317    45000 SH       OTHER   02                  0    45000        0
TARGET CORP                    COM              87612E106      293    10000 SH       OTHER                       0    10000        0
TIFFANY & CO NEW               COM              886547108      863    34500 SH       OTHER   01                  0    34500        0
TIFFANY & CO NEW               COM              886547108      863    34500 SH       OTHER   02                  0    34500        0
UNION PLANTERS CORP            COM              908068109      407    15500 SH       OTHER   02                  0    15500        0
UNION PLANTERS CORP            COM              908068109      407    15500 SH       OTHER   01                  0    15500        0
UNITED PARCEL SERVICE INC      CL B             911312106      285     5000 SH       OTHER                       0     5000        0
UNITED PARCEL SERVICE INC      CL B             911312106     1425    25000 SH       OTHER   02                  0    25000        0
UNIVERSAL AMERN FINL CORP      COM              913377107      579    99012 SH       DEFINED                 99012        0        0
UNOVA INC                      COM              91529B106    67972 12657764 SH       DEFINED 01           12657764        0        0
VERIZON COMMUNICATIONS         COM              92343V104      177     5000 SH       OTHER                       0     5000        0
VERIZON COMMUNICATIONS         COM              92343V104      354    10000 SH       OTHER   02                  0    10000        0
VIACOM INC                     CL B             925524308      730    20000 SH       OTHER   02                  0    20000        0
VISTEON CORP                   COM              92839U107      124    20883 SH       DEFINED 02              20883        0        0
VISTEON CORP                   COM              92839U107       44     7331 SH       DEFINED                  7331        0        0
WAL MART STORES INC            COM              931142103     3382    65000 SH       OTHER   02                  0    65000        0
WAL MART STORES INC            COM              931142103      624    12000 SH       OTHER                       0    12000        0
WALGREEN CO                    COM              931422109      590    20000 SH       OTHER                       0    20000        0
WALGREEN CO                    COM              931422109     2653    90000 SH       OTHER   02                  0    90000        0
WASHINGTON MUT INC             COM              939322103     1411    40000 SH       OTHER   02                  0    40000        0
WASHINGTON MUT INC             COM              939322103     1411    40000 SH       OTHER   01                  0    40000        0
WATERS CORP                    COM              941848103      656    31000 SH       OTHER   02                  0    31000        0
WATERS CORP                    COM              941848103      656    31000 SH       OTHER   01                  0    31000        0
WATSON PHARMACEUTICALS INC     COM              942683103      771    26800 SH       OTHER   01                  0    26800        0
WATSON PHARMACEUTICALS INC     COM              942683103      771    26800 SH       OTHER   02                  0    26800        0
XEROX CORP                     COM              984121103      548    63000 SH       OTHER   01                  0    63000        0
XEROX CORP                     COM              984121103      548    63000 SH       OTHER   02                  0    63000        0
YUM BRANDS INC                 COM              988498101      431    17700 SH       OTHER   02                  0    17700        0
YUM BRANDS INC                 COM              988498101      431    17700 SH       OTHER   01                  0    17700        0