ENGEL GENERAL DEVELOPERS LTD

FY: Dec 31 2002

FY: Dec 31 2001

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Report of foreign private issuer pursuant to Rule 13a-16 or 15d-16 under the Securities Exchange Act of 1934

Certification of termination of registration of a class of securities (Section 12(g))

ENGEL JOCAB

ENGEL RESOURCES & DEVELOPMENT LTD

FRIEDMAN BILLINGS RAMSEY GROUP INC

ENGEL GENERAL DEVELOPERS LTD

ENGEL GENERAL DEVELOPERS LTD

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN EMANUEL J

FRENCH KINDY

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

FRIEDMAN BILLINGS RAMSEY GROUP INC

PUTNAM INVESTMENTS INC

FRANKLIN RESOURCES INC

FRIEDMAN BILLINGS RAMSEY GROUP INC