AVON PRODUCTS

 


SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549



FORM 11-K

(Mark One)

x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
 SECURITIES EXCHANGE ACT OF 1934


For the fiscal year ended December 31, 2002

OR

o  TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934


For the transition period from _____  to  _____

Commission file number 1-4881


Avon Personal Savings Plan
1345 Avenue of the Americas, New York, N.Y. 10105-0196

(Full title and address of the plan)

AVON PRODUCTS, INC.
1345 AVENUE OF THE AMERICAS, NEW YORK, N.Y. 10105-0196

(Name of issuer of the securities held pursuant to the plan
and address of its principal executive office.)




SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the management committee for the Avon Personal Savings Plan, having administrative responsibility of the Plan, has duly caused this annual report to be signed by the undersigned thereunto duly authorized.

Avon Personal Savings Plan
(Name of Plan)


Date: June 30, 2003 By   /s/ ROBERT J. CORTI
 
  Robert J. Corti
  Executive Vice President and Chief Financial Officer





INDEX TO EXHIBITS

 

The following exhibits are being filed with this Annual Report on Form 11-K:

Exhibit

(23) CONSENT OF EXPERTS AND COUNSEL
   
23.1 Consent of PricewaterhouseCoopers LLP
   
(99) ADDITIONAL EXHIBITS
   
99.1 Audited Financial Statements of Avon Personal Savings Plan as of December 31, 2002 and 2001 and for the year ended December 31, 2002
   
99.2

Certification of the Chairman of The Retirement Board of Avon Products, Inc. in accordance with Section 906 of the Sarbanes-Oxley Act of 2002