UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/28/02

CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.):  ( ) IS A RESTATEMENT.
                                   ( ) ADDS NEW HOLDINGS ENTRIES

INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:

NAME:    Moody Bank Holding Company
ADDRESS: P. O. Box 1139
         Galveston, TX 77553

13F FILE NUMBER: 28-

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:     Victor Pierson
TITLE:    Senior Executive V.P. and C.O.O.
PHONE:    (409)765-5561

SIGNATURE,PLACE,AND DATE OF SIGNING:


    Victor Pierson             Galveston, TX            9/12/02


REPORT TYPE (CHECK ONLY ONE.):

( )        13F HOLDINGS REPORT

(X)        13F NOTICE

( )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:

        No.     FORM 13F FILE NUMBER    NAME
        1       28-05127                Moody National Bank Trust Division

I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.