FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility
Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person*

^{Lydecker                      Charles} 

2. Date of Event
    Requiring Statement
    (Month/Day/Year)

 12/1/02

4. Issuer Name and Ticker or Trading Symbol

Brown & Brown, Inc. (BRO)

(Last)                               (First)                            (Middle)

 18 Broadriver Rd.

3. I.R.S. Identification
    Number of Reporting
    Person, if an entity
    (voluntary)

5. Relationship of Reporting Person(s) to Issuer
                         (Check all applicable)

6. If Amendment, Date of
    Original (Month/Day/Year)

Director

10% Owner

(Street)

 Ormond Beach              FL                   32174

X

Officer (give
          title below)

Other (specify
         below)

7. Individual or Joint/Group
    Filing (Check Applicable Line)

Regional Executive Vice President 

Form filed by One Reporting Person

(City)                               (State)                               (Zip)

Form filed by More than One Reporting Person

Table I ¾Non-Derivative Securities Beneficially Owned

1. Title of Security                                                                       
    (Instr. 4)

2. Amount of Securities
    Beneficially Owned
    (Instr. 4)

3. Ownership
    Form: Direct
    (D) or Indirect
    (I)   (Instr. 5)

4. Nature of Indirect Beneficial Ownership        
    (Instr. 5)

Common Stock, $.10 par value

 84,390

 D

Joint with Spouse

Common Stock, $.10 par value

 42,280

 I(1)

Stock Performance Plan 

Common Stock, $.10 par value

 13,324

 I(2)

401(k) Plan 

Common Stock, $.10 par value

       12

 I(3)

By son

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

*

If the form is filed by more than one reporting person, see Instruction 5(b)(v).

Persons who respond to the collection of information contained in this form are not required to
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(Over)
SEC 1473 (7-02)

FORM 3 (continued)

Table II ¾Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1.Title of Derivative Security                                   
   (Instr. 4)

2.Date Exer-
   cisable and
   Expiration
   Date
   (Month/Day/Year)

3. Title and Amount of Securities Underlying                                  
    Derivative Security
    (Instr. 4)

4. Conver-
    sion or
    Exercise
    Price of
    Deri-
    vative
    Security

5. Owner-
    ship
    Form of
    Deriv-
    ative
    Security:
    Direct
    (D) or
    Indirect
    (I)
    (Instr. 5)

6. Nature of Indirect
    Beneficial Ownership
    (Instr. 5)

Date
Exer-
cisable

Expira-
tion
Date

                           Title                          

Amount
or
Number
of
Shares

 Stock Options(a)

4/21/03(b)

 4/21/10

 Common Stock

 40,000

 9.6719

 D

 N/A

Explanation of Responses:

 (1)  These securities were granted at various dates throughout the year pursuant to the Company's Stock Performance Plan based on the satisfaction of conditions contained in that Plan.  The recipient has voting rights and dividend entitlements with respect to these shares, but full ownership will not vest until the satisfaction of additional conditions.

(2)   These securities were acquired on a periodic basis pursuant to an employee benefit plan. 

(3)   Reporting person disclaims beneficial ownership of securities owned by son who shares reporting person's household.  This report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for the purpose of Section 16 or for any other purpose.

(a)    Granted by the Compensation Committee of the Board Directors pursuant to the Company's 2000 Incentive Stock Option Plan (the "Plan") effective April 21, 2000.  Consideration for granted options is grantee's performance and continued service with Company as specified in the Plan.

(b)    These options vest and become exercisable on April 20, 2010, unless accelerated based on satisfaction of conditions established pursuant to the Plan.  Due to the satisfaction of these conditions, 10,340 will vest and become exercisable on April 21, 2003, 10,340 options vest and become exercisable on April 21, 2004, 10,340 options vest and become exercisable on April 21, 2005, and 8,980 options vest and become exercisable on April 21, 2006.

/S/ CHARLES H. LYDECKER 

12/2/02 

**

Intentional misstatements or omissions of facts constitute Federal Criminal Violations.

**Signature of Reporting Person

Date

See18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

CHARLES LYDECKER

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient,
         See Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not
required to respond unless the form displays a currently valid OMB Number.

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