WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

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

Date of Report: FEBRUARY 21, 2003

             (Exact name of registrant as specified in its charter)

         CALIFORNIA                    33-13646                 51-0308535
(State or other jurisdiction        Commission File            IRS Employer
      of incorporation)                 Number             Identification Number

                23 PASTEUR
           IRVINE, CALIFORNIA                                   92618-3804
(Address of principal executive offices)                        (Zip Code)

                                 (949) 727-1000
              (Registrant's telephone number, including area code)

ITEM 7: Financial Statements, Proforma Financial Information and Exhibits.

        (a) Not Applicable

        (b) Not Applicable

        (c) List of documents filed as a part of this report:

            Exhibit 99.1 - Westcorp News Release of February 21, 2003

                                          a California Corporation

Dated: February 21, 2003                  /s/ Lee A. Whatcott
                                          Lee A. Whatcott
                                          Executive Vice President
                                          Chief Financial Officer
                                          Chief Operating Officer