THIS PAPER DOCUMENT IS BEING SUBMITTED PURSUANT TO RULE 901 9(d) OF REGULATION S-T UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Crawford & Company, Class A (Name of Issuer) Common (Title of Class of Securities) 224633206 (CUSIP Number) (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [X ] Rule 13d-1(b) [ ] Rule 13d-1(c) [ ] Rule 13d-1(d) CUSIP No. 224633206 1. Names of Reporting Persons. I.R.S. Identification Nos. of above persons (entities only). Wachovia Corporation 56-0898180 2. Check the Appropriate Box if a Member of a Group (See Instructions) (a) (b) 3. SEC Use Only 4. Citizenship or Place of Organization North Carolina Number of Shares Beneficially Owned by Each Reporting Person With 5. Sole Voting Power 1235692 6. Shared Voting Power 0 7. Sole Dispositive Power 87873 8. Shared Dispositive Power 1235692 9. Aggregate Amount Beneficially Owned by Each Reporting Person 1323565 10. Check if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) Not Applicable. 11. Percent of Class Represented by Amount in Row (11) 5.55% 12. Type of Reporting Person (See Instructions) Parent Holding Company (HC) Item 1. (a)Name of Issuer Crawford & Company, Class A (b) Address of Issuer's Principal Executive Offices 5620 Glenridge Drive, NE Atlanta, GA 30342 Item 2. (a) Name of Person Filing Wachovia Corporation (b) Address of Principal Business Office or, if none, Residence One Wachovia Center Charlotte, North Carolina 28288-0137 (c) Citizenship North Carolina (d) Title of Class of Securities Common Stock, Par Value $3.33 1/3 per share (e) CUSIP Number 337358105 Item 3. If this statement is filed pursuant to 240.13d-1(b) or 240.13d-2(b) or c), check whether the person filing is a: (g)[X ] A parent holding company or control person in accordance with 240.13d-1(b)(1)(ii)(G); Item 4. Ownership. Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1. (a) Amount beneficially owned: 1323565. (b) Percent of class: 5.55%. (c) Number of shares as to which the person has: (i) Sole power to vote or to direct the vote 1235692. (ii) Shared power to vote or to direct the vote 0. (iii) Sole power to dispose or to direct the disposition of 87873. (iv) Shared power to dispose or to direct the disposition of 1235692. Item 5. Ownership of Five Percent or Less of a Class If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following [ ]. Item 6. Ownership of More than Five Percent on Behalf of Another Person. Not Applicable. Item 7. Identification and classification of the subsidiary which acquired the security being reported on by the parent holding company: Wachovia Corporation is filing this schedule pursuant to Rule 13d- 1(b)(1)(ii)(G) as indicated under Item 3(g). The relevant subsidiaries are First Union Securities, Inc. (IA), First Union National Bank (BK) and Offitbank (BK). First Union Securities Inc. is an investment advisor for mutual funds and other clients; the securities reported by this subsidiary are beneficially owned by such mutual funds or other clients. The other Wachovia entities listed above holds the securities reported in a fiduciary capacity for their respective customers. Item 8. Identification and Classification of Members of the Group Not Applicable. Item 9. Notice of Dissolution of Group Not Applicable. Item 10. Certification (a) The following certification shall be included if the statement is filed pursuant to 240.13d-1(b): By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. SIGNATURE After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. 2/13/2002 Date Signature Karen F. Knudtsen, Vice President & Trust Officer Name/Title