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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                           --------------------------

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

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       Date of Report (Date of earliest event reported): March 6, 2003
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                            AMERICAN EXPRESS COMPANY
             (Exact name of registrant as specified in its charter)

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          New York                      1-7657                 13-4922250
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(State or other jurisdiction   (Commission File Number)     (I.R.S. Employer
     of incorporation or                                   Identification No.)
        organization)



       200 Vesey Street, World Financial Center
                  New York, New York                       10285
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       (Address of principal executive offices)          (Zip Code)


      Registrant's telephone number, including area code: (212) 640-2000

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         (Former name or former address, if changed since last report)



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Item 9. Regulation FD Disclosure.

American Express Company has made available its 2002 Annual Report to
Shareholders. The Annual Report can be viewed at the Company's internet website
at www.americanexpress.com by clicking on the caption "About American Express,"
which is located at the bottom of the Company's home page.





                                   SIGNATURE
                                   ---------

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 hereunto duly authorized.


                                        AMERICAN EXPRESS COMPANY
                                        (REGISTRANT)

                                         By: /s/ Stephen P. Norman
                                             ------------------------
                                             Name:  Stephen P. Norman
                                             Title: Secretary




DATE:   March 6, 2003