UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE <TABLE> <S> <C> Report for the Calendar Year or Quarter Ended: September 30, 2002 Check here if Amendment [ ] Amendment No.: _______ This Amendment (Check only one): [ ] is a restatement. [ ] adds new holdings entries. </TABLE> Institutional Investment Manager Filing this Report: Name: Bayard D. Waring Address: c/o Amelia Peabody Foundation One Hollis Street Wellesley, MA 02482 Form 13F File Number: 028-05999 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: Bayard D. Waring Title: Trustee Phone: 781-237-6468 Signature, place and date of signing: /s/ Bayard D. Waring Gloucester, Massachusetts October 25, 2002 Report Type (Check only one): [ ] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report) [ ] 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)

[x] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: Form 13F File No. Name 28-05989 Amelia Peabody Foundation -2-

FORM 13F SUMMARY PAGE Report Summary: <TABLE> <S> <C> Number of Other Included Managers: 1 Form 13F Information Table Entry Total: 33 Form 13F Information Table Value Total: $3,008 (in thousands) </TABLE> List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. <TABLE> <S> <C> <C> No. Form 13F File No. Name 1. 28-05993 Philip B. Waring </TABLE> -3-

BAYARD WARING FORM 13F INFORMATION TABLE <TABLE> <CAPTION> COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 Name of Issuer Title of Class CUSIP Value Shrs or Sh/ Put/ Investment (X $1000) Prn Amt Prn Call Discretion <S> <C> <C> <C> <C> <C> <C> Alliance Resource Common 01877R108 279 12,000 SH Shared - Other Amerigas Partners L.P. Common 030975106 139 6,000 SH Shared - Other Anthracite Common 037023108 68 6,000 SH Shared - Other Apex Mortgage Common 037564101 56 5,000 SH Shared - Other Applied Materials Inc Common 038222105 116 10,000 SH Shared - Other BP Prudhoe Bay Common 055630107 145 10,000 SH Shared - Other Cardinal Health Common 14149Y108 249 4,000 SH Shared - Other Citigroup Common 172967101 148 5,000 SH Shared - Other Dell Computer Common 247025109 71 3,000 SH Shared - Other Ducommun Common 264147109 106 6,000 SH Shared - Other Duff & Phelps Util & Common 26432K108 66 5,000 SH Shared - Other Corp BD TR Duke Energy Common 264399106 78 4,000 SH Shared - Other El Pas Energy Common 28368B102 237 8,000 SH Shared - Other Great Plains Common 391164100 96 5,000 SH Shared - Other Hospitality Prop. Common 44106M102 166 5,000 SH Shared - Other Intel Corp Common 458140100 42 3,000 SH Shared - Other <CAPTION> COLUMN 1 COLUMN 7 COLUMN 8 Name of Issuer Other Voting Authority Managers Sole Shared None <S> <C> <C> <C> <C> Alliance Resource 1 12,000 Amerigas Partners L.P. 1 6,000 Anthracite 1 6,000 Apex Mortgage 1 5,000 Applied Materials Inc 1 10,000 BP Prudhoe Bay 1 10,000 Cardinal Health 1 4,000 Citigroup 1 5,000 Dell Computer 1 3,000 Ducommun 1 6,000 Duff & Phelps Util & 1 5,000 Corp BD TR Duke Energy 1 4,000 El Pas Energy 1 8,000 Great Plains 1 5,000 Hospitality Prop. 1 5,000 Intel Corp 1 3,000

<S> <C> <C> <C> <C> <C> <C> JDS UniPhase Common 46612J101 27 14,000 SH Shared - Other Johnson & Johnson Common 478160104 50 900 SH Shared - Other Kinder Morgan Energy Common 494550106 192 6,000 SH Shared - Other Partners LP Mutual Risk Mgmt Ltd Common 628351108 0 11,000 SH Shared - Other Nat'l Semiconductor Common 637640103 72 6,000 SH Shared - Other Pacific Century Common 616400909 21 30,000 SH Shared - Other Standard Pacific Common 85375C101 14 625 SH Shared - Other Talbots Common 874161102 168 6,000 SH Shared - Other Talx Corp. Common 874918105 66 5,000 SH Shared - Other Teco Energy Common 872375100 64 4,000 SH Shared - Other Tellabs Inc. Common 879664100 16 4,000 SH Shared - Other Torch Offshore Common 891019101 41 8,000 SH Shared - Other Travelers Property A Common 89420G109 3 216 SH Shared - Other Travelers Property B Common 89420G406 6 443 SH Shared - Other TXU Corp. Common 873168108 24 625 SH Shared - Other Tyco International Common 902124106 56 4,000 SH Shared - Other Washington Mutual Common 939322103 126 4,000 SH Shared - Other 3008 <S> <C> <C> JDS UniPhase 1 14,000 Johnson & Johnson 1 900 Kinder Morgan Energy 1 6,000 Partners LP Mutual Risk Mgmt Ltd 1 11,000 Nat'l Semiconductor 1 6,000 Pacific Century 1 30,000 Standard Pacific 1 625 Talbots 1 6,000 Talx Corp. 1 5,000 Teco Energy 1 4,000 Tellabs Inc. 1 4,000 Torch Offshore 1 8,000 Travelers Property A 1 216 Travelers Property B 1 443 TXU Corp. 1 625 Tyco International 1 4,000 Washington Mutual 1 4,000 </TABLE>