                             SECURITIES AND EXCHANGE COMMISSION
                                     450 Fifth Street, NW
                                     Washington, DC  20549

                        ------------------------------------------

                                          FORM 8-K
                                       CURRENT REPORT

                           Pursuant to Section 13 or 15(d) of the
                              Securities Exchange Act of 1934

                              For the Month of SeptemberOctober, 2002

                          WAMU MORTGAGE PASS-THROUGH CERTIFICATES,
                                     SERIES:  2002-s3
                 (Exact name of the registrant as specified in charter)

                 Delaware              333-77026-1012         94-2528990
               (State or other         (Commission          (IRS Employer
               jurisdiction of         File Number)         Identification
               Incorporation)                               Number)


                                   75 NORTH FAIRWAY DRIVE
                                   VERNON HILLS, IL  60061

                         (Address of principal executive offices)

                    Registrant's telephone number, including area code:

                                      (847) 549-6500



ITEM 5.

     See Exhibit 99, the Distribution Report for the Month of SeptemberOctober, 2002,
attached hereto.

ITEM 7.

    FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS:


     EXHIBITS:

     99A.   WaMu Mortgage Pass-Through Certificates,
          SERIES:  2002-s3, Monthly Distribution Report for SeptemberOctober 2002.

                                SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Dated:    SeptemberOctober 1816, 2002

                                  WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.
                                              (Registrant)

                                              By:
                                                    ------------------
                                                    RICHIE MOORE
                                                    SECOND VICE PRESIDENT
Filing Compare · WAMU MORTGAGE PASS THROUGH CERTIFICATES SERIES 2002-S3
