SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 6-K


                        REPORT OF FOREIGN PRIVATE ISSUER
                   PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE
                         SECURITIES EXCHANGE ACT OF 1934

                              For January 21, 2003



                           THE BANK OF BERMUDA LIMITED
                 (Translation of registrant's name into English)


                                 6 Front Street
                                 Hamilton HM 11
                             Hamilton HM DX, Bermuda
                    (Address of principal executive offices)


         Indicate by check mark whether the registrant files or will file annual
reports under cover of Form 20-F or Form 40-F.

         Form 20-F   X              Form 40-F
                   -----                      -----


         Indicate by check mark whether the registrant by furnishing the
information contained in this form is also thereby furnishing the information to
the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of
1934.

         Yes                        No    X
             -----                      -----


         If "Yes" is marked, indicate below the file number assigned to the
registrant in connection with Rule 12g3-2(b): 83- N/A
                                                  ---





                           THE BANK OF BERMUDA LIMITED

         On January 21, 2003, The Bank of Bermuda Limited announced its
financial results for the quarter ended December 31, 2002. The press release
with respect to this matter is attached as an exhibit to this Form 6-K and is
incorporated herein by reference.


         Exhibit Index

         99.1              Press Release, dated January 21, 2003.






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                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                       THE BANK OF BERMUDA LIMITED


                                       By: /s/ Alison J. Satasi
                                           ----------------------------------
                                           Name:   Alison J. Satasi
                                           Title:  Head of Investor Relations

Date:  January 21, 2003







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