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

                                    Form 13F

                              Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: September 30, 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     November 07, 2002


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:     165

Form13F Information Table Value Total:     $1,288,326 (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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
A T & T CORP                   COM              001957109      296    24608 SH       DEFINED                 24608        0        0
ABBOTT LABS                    COM              002824100     2424    60000 SH       OTHER   02                  0    60000        0
ABBOTT LABS                    COM              002824100      404    10000 SH       OTHER                       0    10000        0
ALBERTSONS INC                 COM              013104104      169     7000 SH       OTHER   02                  0     7000        0
ALBERTSONS INC                 COM              013104104      169     7000 SH       OTHER   01                  0     7000        0
ALLEGHENY ENERGY INC           COM              017361106     2908   222000 SH       DEFINED 02             222000        0        0
ALLEGHENY ENERGY INC           COM              017361106      576    44000 SH       DEFINED                 44000        0        0
ALLEGHENY ENERGY INC           COM              017361106     2332   178000 SH       DEFINED 01             178000        0        0
AMERICAN EXPRESS CO            COM              025816109      624    20000 SH       OTHER   02                  0    20000        0
AMERICAN INTL GROUP INC        COM              026874107     1915    35000 SH       OTHER   02                  0    35000        0
AMERICAN INTL GROUP INC        COM              026874107      465     8500 SH       OTHER                       0     8500        0
ANHEUSER BUSCH COS INC         COM              035229103     1771    35000 SH       OTHER   02                  0    35000        0
ANHEUSER BUSCH COS INC         COM              035229103      152     3000 SH       OTHER                       0     3000        0
AOL TIME WARNER INC            COM              00184A105      410    35000 SH       OTHER   02                  0    35000        0
AOL TIME WARNER INC            COM              00184A105      176    15000 SH       OTHER                       0    15000        0
BAKER HUGHES INC               COM              057224107    87456  3012600 SH       DEFINED 01            3012600        0        0
BELLSOUTH CORP                 COM              079860102     1285    70000 SH       OTHER   02                  0    70000        0
BELLSOUTH CORP                 COM              079860102      220    12000 SH       OTHER                       0    12000        0
BJS WHOLESALE CLUB INC         COM              05548J106      165     8700 SH       OTHER   01                  0     8700        0
BJS WHOLESALE CLUB INC         COM              05548J106      165     8700 SH       OTHER   02                  0     8700        0
BLACK & DECKER CORP            COM              091797100      231     5500 SH       OTHER   01                  0     5500        0
BLACK & DECKER CORP            COM              091797100      231     5500 SH       OTHER   02                  0     5500        0
BP PLC                         SPONSORED ADR    055622104      499    12500 SH       OTHER                       0    12500        0
BP PLC                         SPONSORED ADR    055622104     2793    70000 SH       OTHER   02                  0    70000        0
CAREMARK RX INC                COM              141705103      284    16700 SH       OTHER   01                  0    16700        0
CAREMARK RX INC                COM              141705103      284    16700 SH       OTHER   02                  0    16700        0
CENDANT CORP                   COM              151313103      298    27700 SH       OTHER   01                  0    27700        0
CENDANT CORP                   COM              151313103      298    27700 SH       OTHER   02                  0    27700        0
CENTURYTEL INC                 COM              156700106      209     9300 SH       OTHER   01                  0     9300        0
CENTURYTEL INC                 COM              156700106      209     9300 SH       OTHER   02                  0     9300        0
CHEVRONTEXACO CORP             COM              166764100     2424    35000 SH       OTHER   02                  0    35000        0
CHEVRONTEXACO CORP             COM              166764100      450     6500 SH       OTHER                       0     6500        0
CITIGROUP INC                  COM              172967101      534    18000 SH       OTHER                       0    18000        0
CITIGROUP INC                  COM              172967101     2372    80000 SH       OTHER   02                  0    80000        0
CITIGROUP INC                  COM              172967101      296     9994 SH       DEFINED 01               9994        0        0
CITIGROUP INC                  COM              172967101     1818    61315 SH       DEFINED 02              61315        0        0
CITIGROUP INC                  COM              172967101      342    11531 SH       DEFINED                 11531        0        0
COCA COLA CO                   COM              191216100      863    18000 SH       OTHER                       0    18000        0
COCA COLA CO                   COM              191216100     4316    90000 SH       OTHER   02                  0    90000        0
COLGATE PALMOLIVE CO           COM              194162103     1349    25000 SH       OTHER   02                  0    25000        0
COLGATE PALMOLIVE CO           COM              194162103      378     7000 SH       OTHER                       0     7000        0
CYTYC CORP                     COM              232946103      266    24800 SH       OTHER   02                  0    24800        0
CYTYC CORP                     COM              232946103      266    24800 SH       OTHER   01                  0    24800        0
DELPHI CORP                    COM              247126105      120    13978 SH       DEFINED                 13978        0        0
DEVON ENERGY CORP NEW          COM              25179M103      391     8100 SH       OTHER   02                  0     8100        0
DEVON ENERGY CORP NEW          COM              25179M103      391     8100 SH       OTHER   01                  0     8100        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      251    14500 SH       OTHER   02                  0    14500        0
ECHOSTAR COMMUNICATIONS NEW    CL A             278762109      251    14500 SH       OTHER   01                  0    14500        0
ELECTRONIC DATA SYS NEW        COM              285661104      257    18400 SH       OTHER   02                  0    18400        0
ELECTRONIC DATA SYS NEW        COM              285661104      257    18400 SH       OTHER   01                  0    18400        0
EMERSON ELEC CO                COM              291011104      879    20000 SH       OTHER   02                  0    20000        0
EMERSON ELEC CO                COM              291011104      110     2500 SH       OTHER                       0     2500        0
EQUIFAX INC                    COM              294429105      222    10200 SH       OTHER   02                  0    10200        0
EQUIFAX INC                    COM              294429105      222    10200 SH       OTHER   01                  0    10200        0
EXXON MOBIL CORP               COM              30231G102     1129    35400 SH       OTHER                       0    35400        0
EXXON MOBIL CORP               COM              30231G102     6380   200000 SH       OTHER   02                  0   200000        0
FEDERAL HOME LN MTG CORP       COM              313400301     2795    50000 SH       OTHER   02                  0    50000        0
FEDERAL HOME LN MTG CORP       COM              313400301      559    10000 SH       OTHER                       0    10000        0
FEDERAL NATL MTG ASSN          COM              313586109     3572    60000 SH       OTHER   02                  0    60000        0
FEDERAL NATL MTG ASSN          COM              313586109      595    10000 SH       OTHER                       0    10000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206      403    10000 SH       DEFINED 02              10000        0        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206     2015    50000 SH       OTHER   02                  0    50000        0
FORD MTR CO CAP TR II          PFD TR CV6.5%    345395206      101     2500 SH       OTHER                       0     2500        0
FORD MTR CO DEL                COM PAR $0.01    345370860      445    45452 SH       DEFINED 01              45452        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860     2733   278833 SH       DEFINED 02             278833        0        0
FORD MTR CO DEL                COM PAR $0.01    345370860      514    52445 SH       DEFINED                 52445        0        0
FORTUNE BRANDS INC             COM              349631101      194     4100 SH       OTHER   01                  0     4100        0
FORTUNE BRANDS INC             COM              349631101      194     4100 SH       OTHER   02                  0     4100        0
GAP INC DEL                    COM              364760108      454    41800 SH       OTHER   02                  0    41800        0
GAP INC DEL                    COM              364760108      454    41800 SH       OTHER   01                  0    41800        0
GENERAL ELEC CO                COM              369604103      863    35000 SH       OTHER                       0    35000        0
GENERAL ELEC CO                COM              369604103     1183    48000 SH       DEFINED                 48000        0        0
GENERAL ELEC CO                COM              369604103     4191   170000 SH       OTHER   02                  0   170000        0
GENERAL MTRS CORP              COM              370442105      778    20000 SH       DEFINED                 20000        0        0
GOLDMAN SACHS GROUP INC        COM              38141G104      330     5000 SH       SOLE                     5000        0        0
HARTFORD FINL SVCS GROUP INC   COM              416515104    19934   486200 SH       DEFINED 02             486200        0        0
HEALTHSOUTH CORP               COM              421924101      248    62500 SH       OTHER   01                  0    62500        0
HEALTHSOUTH CORP               COM              421924101      248    62500 SH       OTHER   02                  0    62500        0
INTEL CORP                     COM              458140100     2222   160000 SH       OTHER   02                  0   160000        0
INTEL CORP                     COM              458140100      417    30000 SH       OTHER                       0    30000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101      292     5000 SH       OTHER                       0     5000        0
INTERNATIONAL BUSINESS MACHS   COM              459200101     1166    20000 SH       OTHER   02                  0    20000        0
ITT INDS INC IND               COM              450911102    15152   243100 SH       DEFINED 02             243100        0        0
J P MORGAN CHASE & CO          COM              46625H100     1139    60000 SH       OTHER   02                  0    60000        0
J P MORGAN CHASE & CO          COM              46625H100      285    15000 SH       OTHER                       0    15000        0
JOHNSON & JOHNSON              COM              478160104      757    14000 SH       OTHER                       0    14000        0
JOHNSON & JOHNSON              COM              478160104     3786    70000 SH       OTHER   02                  0    70000        0
KNIGHT RIDDER INC              COM              499040103      316     5600 SH       OTHER   01                  0     5600        0
KNIGHT RIDDER INC              COM              499040103      316     5600 SH       OTHER   02                  0     5600        0
KRAFT FOODS INC                CL A             50075N104      729    20000 SH       OTHER                       0    20000        0
KRAFT FOODS INC                CL A             50075N104     1130    31000 SH       DEFINED 02              31000        0        0
KRAFT FOODS INC                CL A             50075N104     2917    80000 SH       OTHER   02                  0    80000        0
LIBERTY ALL STAR EQUITY FD     SH BEN INT       530158104     1056   160183 SH       DEFINED                160183        0        0
LILLY ELI & CO                 COM              532457108      553    10000 SH       OTHER                       0    10000        0
LILLY ELI & CO                 COM              532457108     2490    45000 SH       OTHER   02                  0    45000        0
LUCENT TECHNOLOGIES INC        COM              549463107       16    21264 SH       DEFINED                 21264        0        0
MARSH & MCLENNAN COS INC       COM              571748102      666    16000 SH       OTHER                       0    16000        0
MARSH & MCLENNAN COS INC       COM              571748102     2915    70000 SH       OTHER   02                  0    70000        0
MBIA INC                       COM              55262C100      196     4900 SH       OTHER   02                  0     4900        0
MBIA INC                       COM              55262C100      196     4900 SH       OTHER   01                  0     4900        0
MCDONALDS CORP                 COM              580135101      265    15000 SH       OTHER                       0    15000        0
MCDONALDS CORP                 COM              580135101      971    55000 SH       OTHER   02                  0    55000        0
MCGRAW HILL COS INC            COM              580645109      612    10000 SH       OTHER                       0    10000        0
MCGRAW HILL COS INC            COM              580645109     1837    30000 SH       OTHER   02                  0    30000        0
MERCK & CO INC                 COM              589331107     3428    75000 SH       OTHER   02                  0    75000        0
MERCK & CO INC                 COM              589331107      640    14000 SH       OTHER                       0    14000        0
MICROSOFT CORP                 COM              594918104     2187    50000 SH       OTHER   02                  0    50000        0
MICROSOFT CORP                 COM              594918104      437    10000 SH       OTHER                       0    10000        0
MISSISSIPPI VY BANCSHARES IN   COM              605720101     1824    36618 SH       DEFINED                 36618        0        0
MONSANTO CO NEW                COM              61166W101      199    13000 SH       OTHER   01                  0    13000        0
MONSANTO CO NEW                COM              61166W101      199    13000 SH       OTHER   02                  0    13000        0
NORTHROP GRUMMAN CORP          COM              666807102   536993  4329189 SH       DEFINED 01            4329189        0        0
NORTHROP GRUMMAN CORP          COM              666807102   413809  3336092 SH       DEFINED 02            3336092        0        0
OMNICOM GROUP INC              COM              681919106      195     3500 SH       OTHER   02                  0     3500        0
OMNICOM GROUP INC              COM              681919106      195     3500 SH       OTHER   01                  0     3500        0
PARTNERRE LTD                  COM              G6852T105      224     4800 SH       OTHER   02                  0     4800        0
PARTNERRE LTD                  COM              G6852T105      224     4800 SH       OTHER   01                  0     4800        0
PEPSICO INC                    COM              713448108      558    15100 SH       OTHER                       0    15100        0
PEPSICO INC                    COM              713448108     2587    70000 SH       OTHER   02                  0    70000        0
PFIZER INC                     COM              717081103     6094   210000 SH       OTHER   02                  0   210000        0
PFIZER INC                     COM              717081103     1016    35000 SH       OTHER                       0    35000        0
PHILIP MORRIS COS INC          COM              718154107     7760   200000 SH       OTHER   02                  0   200000        0
PHILIP MORRIS COS INC          COM              718154107     1552    40000 SH       OTHER                       0    40000        0
PROCTER & GAMBLE CO            COM              742718109       80      900 SH       OTHER                       0      900        0
PROCTER & GAMBLE CO            COM              742718109     3128    35000 SH       OTHER   02                  0    35000        0
PUBLIC SVC ENTERPRISE GROUP    COM              744573106      174     5700 SH       OTHER   01                  0     5700        0
PUBLIC SVC ENTERPRISE GROUP    COM              744573106      174     5700 SH       OTHER   02                  0     5700        0
SAFECO CORP                    COM              786429100      321    10100 SH       OTHER   01                  0    10100        0
SAFECO CORP                    COM              786429100      321    10100 SH       OTHER   02                  0    10100        0
SBC COMMUNICATIONS INC         COM              78387G103     1407    70000 SH       OTHER   02                  0    70000        0
SBC COMMUNICATIONS INC         COM              78387G103      241    12000 SH       OTHER                       0    12000        0
SOUTHERN CO                    COM              842587107      576    20000 SH       DEFINED                 20000        0        0
SOVEREIGN BANCORP INC          COM              845905108      224    17400 SH       OTHER   01                  0    17400        0
SOVEREIGN BANCORP INC          COM              845905108      224    17400 SH       OTHER   02                  0    17400        0
SPRINT CORP                    COM FON GROUP    852061100      146    16000 SH       OTHER   01                  0    16000        0
SPRINT CORP                    COM FON GROUP    852061100      146    16000 SH       OTHER   02                  0    16000        0
SUNTRUST BKS INC               COM              867914103     2152    35000 SH       OTHER   02                  0    35000        0
SUNTRUST BKS INC               COM              867914103      498     8100 SH       OTHER                       0     8100        0
SYBASE INC                     COM              871130100      193    16600 SH       OTHER   02                  0    16600        0
SYBASE INC                     COM              871130100      193    16600 SH       OTHER   01                  0    16600        0
TARGET CORP                    COM              87612E106     1328    45000 SH       OTHER   02                  0    45000        0
TARGET CORP                    COM              87612E106      295    10000 SH       OTHER                       0    10000        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       96     7101 SH       OTHER   02                  0     7101        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       14     1023 SH       DEFINED                  1023        0        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       22     1597 SH       OTHER                       0     1597        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       12      887 SH       DEFINED 01                887        0        0
TRAVELERS PPTY CAS CORP NEW    CL B             89420G406       74     5442 SH       DEFINED 02               5442        0        0
UNITED PARCEL SERVICE INC      CL B             911312106      313     5000 SH       OTHER                       0     5000        0
UNITED PARCEL SERVICE INC      CL B             911312106     1563    25000 SH       OTHER   02                  0    25000        0
UNOVA INC                      COM              91529B106    62276 12657764 SH       SOLE                 12657764        0        0
VERIZON COMMUNICATIONS         COM              92343V104      137     5000 SH       OTHER                       0     5000        0
VERIZON COMMUNICATIONS         COM              92343V104      274    10000 SH       OTHER   02                  0    10000        0
VIACOM INC                     CL B             925524308      811    20000 SH       OTHER   02                  0    20000        0
VISTEON CORP                   COM              92839U107       69     7331 SH       DEFINED                  7331        0        0
VISTEON CORP                   COM              92839U107      198    20883 SH       DEFINED 02              20883        0        0
WAL MART STORES INC            COM              931142103      591    12000 SH       OTHER                       0    12000        0
WAL MART STORES INC            COM              931142103     3201    65000 SH       OTHER   02                  0    65000        0
WALGREEN CO                    COM              931422109      615    20000 SH       OTHER                       0    20000        0
WALGREEN CO                    COM              931422109     2768    90000 SH       OTHER   02                  0    90000        0
WASHINGTON MUT INC             COM              939322103      614    19500 SH       OTHER   01                  0    19500        0
WASHINGTON MUT INC             COM              939322103      614    19500 SH       OTHER   02                  0    19500        0
WATERS CORP                    COM              941848103      235     9700 SH       OTHER   02                  0     9700        0
WATERS CORP                    COM              941848103      235     9700 SH       OTHER   01                  0     9700        0
WATSON PHARMACEUTICALS INC     COM              942683103      250    10200 SH       OTHER   02                  0    10200        0
WATSON PHARMACEUTICALS INC     COM              942683103      250    10200 SH       OTHER   01                  0    10200        0