FORM 3	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940	OMB APPROVAL OMB Number:  3235-0104 Expires:  January 31, 2005 Estimated average burden hours per response.........0.5
(Print or Type Responses)

1. Name and Address of Reporting Person* Cleland, Joseph Maxwell	2. Date of Event     Requiring Statement     (Month/Day/Year)  02/11/03		4. Issuer Name and Ticker or Trading Symbol   AFLAC INCORPORATED (AFL)
(Last)                               (First)                            (Middle) 1320 North Veitch Street	3. I.R.S. Identification     Number of Reporting     Person, if an entity     (voluntary)		5. Relationship of Reporting Person(s) to Issuer                          (Check all applicable)				6. If Amendment, Date of     Original (Month/Day/Year)
			X	Director		10% Owner
(Street)  Arlington, VA 22201				Officer (give           title below)		Other (specify          below)	7. Individual or Joint/Group     Filing (Check Applicable Line)
							X	Form filed by One Reporting Person
(City)                               (State)                               (Zip)								Form filed by More than One Reporting Person
Table I ¾ Non-Derivative Securities Beneficially Owned
1. Title of Security                                                                            (Instr. 4)		2. Amount of Securities     Beneficially Owned     (Instr. 4)			3. Ownership     Form: Direct     (D) or Indirect     (I)   (Instr. 5)		4. Nature of Indirect Beneficial Ownership             (Instr. 5)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
		Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.	(Over) SEC 1473 (7-02)

FORM 3 (continued)	Table II ¾ Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1.Title of Derivative Security                                       (Instr. 4)		2.Date Exer-    cisable and    Expiration    Date    (Month/Day/Year)		3. Title and Amount of Securities Underlying                                       Derivative Security     (Instr. 4)		4. Conver-     sion or     Exercise     Price of     Deri-     vative     Security	5. Owner-     ship     Form of     Deriv-     ative     Security:     Direct     (D) or     Indirect     (I)     (Instr. 5)	6. Nature of Indirect     Beneficial Ownership     (Instr. 5)
		Date Exer- cisable	Expira- tion Date	Title	Amount or Number of Shares
Employee Stock Option (right to buy) (1)		(2)	02/11/13	Common Stock	10,000	$31.4650	D

Explanation of Responses:

(1) Granted under the AFLAC Incorporated 1997 Stock Option Plan, which is a rule 16b-3 plan with tandem tax withholding rights.
(2) The option becomes exercisable in five equal annual installments beginning February 11, 2003.

**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations.	**Signature of Reporting Person	Date
	See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).	By: Patricia A. Bell For: Joseph Maxwell Cleland	02/24/03

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient,          See Instruction 6 for procedure.
Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
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