RNS Number:1618O
Merrill Lynch & Co Inc
30 July 2003

                       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


        Date of Report (Date of earliest event reported):  July 29, 2003
________________________________________________________________________________
                            Merrill Lynch & Co., Inc.
________________________________________________________________________________
             (Exact Name of Registrant as Specified in its Charter)


       Delaware                       1-7182                     13-2740599
________________________________________________________________________________
   (State or Other                  (Commission               (I.R.S. Employer
   Jurisdiction of                  File Number)             Identification No.)
   Incorporation)

4 World Financial Center, New York, New York                           10080
________________________________________________________________________________
(Address of Principal Executive Offices)                             (Zip Code)


Registrant's telephone number, including area code:               (212) 449-1000
________________________________________________________________________________



________________________________________________________________________________
         (Former Name or Former Address, if Changed Since Last Report.)

Item 5.  Other Events and Required FD Disclosure

Filed herewith is the Preliminary Unaudited Consolidated Balance Sheet as of
June 27, 2003 for Merrill Lynch & Co., Inc. and subsidiaries ("Merrill Lynch").
Also filed herewith is a statement setting forth the computation of certain
financial ratios for the periods presented.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits
          
     (c)  Exhibits

     12   Computation of Ratios of Earnings to Fixed Charges and Combined Fixed
          Charges and Preferred Stock Dividends.

     99.1 Preliminary Unaudited Consolidated Balance Sheet of Merrill Lynch as 
          of June 27, 2003.


                                   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.


                                              MERRILL LYNCH & CO., INC.
                                              _________________________
                                                     (Registrant)



                                          By:  /s/ Ahmass L. Fakahany
                                              __________________________
                                                 Ahmass L. Fakahany
                                                 Executive Vice President and
                                                 Chief Financial Officer



                                          By:  /s/ John J. Fosina
                                              __________________________
                                                   John J. Fosina
                                                   Controller
                                                   Principal Accounting Officer

Date:   July 29, 2003
                                 Exhibit Index

Exhibit No.       Description                                             Page
         12       Computation of Ratios of Earnings to Fixed Charges 
                  and Combined Fixed                                       5
                  Charges and Preferred Stock Dividends.
       99.1       Preliminary Unaudited Consolidated Balance Sheet of 
                  Merrill Lynch as of                                     6-7
                  June 27, 2003.



                                                                      EXHIBIT 12


                   MERRILL LYNCH & CO., INC. AND SUBSIDIARIES
             COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES AND
              COMBINED FIXED CHARGES AND PREFERRED STOCK DIVIDENDS
                             (dollars in millions)


                      For the Three Months Ended      For the Six Months Ended
                      --------------------------      ------------------------
                      June 27,         June 28,       June 27,        June 28,
                          2003             2002           2003            2002
                      --------         --------       --------        --------
Pre-tax earnings       $ 1,466            $ 948        $ 2,488         $ 1,960

Add: Fixed charges 
(excluding capitalized
interest and preferred 
security dividend
requirements of          
subsidiaries)            2,021            2,441          4,132           4,965
                      --------         --------       --------        --------
Pre-tax earnings       
before fixed
charges                  3,487            3,389          6,620           6,925
                      ========         ========       ========        ========
Fixed charges:
Interest                 1,973            2,389          4,035           4,858

Other (a)                   96              100            193             204
                      --------         --------       --------        --------

Total fixed              
charges                  2,069            2,489          4,228           5,062
                      ========         ========       ========        ========
Preferred stock           
dividend
requirements                13               13             26              27
                      --------         --------       --------        --------
Total combined       
fixed charges and
preferred stock
dividends              $ 2,082          $ 2,502        $ 4,254         $ 5,089
                      ========         ========       ========        ========

Ratio of earnings     
to fixed charges          1.69             1.36           1.57            1.37

Ratio of earnings
to combined fixed
charges
and preferred stock       1.67             1.35           1.56            1.36
dividends


(a) Other fixed charges consist of the interest factor in rentals, amortization
    of debt issuance costs, preferred security dividend requirements of
    subsidiaries, and capitalized interest.


                   Merrill Lynch & Co., Inc. and Subsidiaries
                Preliminary Unaudited Consolidated Balance Sheet

                                                                      Jun. 27,
(dollars in millions)                                                     2003
---------------------                                                 --------

ASSETS

Cash and cash equivalents                                               14,046
                                                                      --------
Cash and securities segregated for regulatory purposes or
deposited with clearing organizations                                    7,212
                                                                      --------
Securities financing transactions
Receivables under resale agreements                                     75,482
Receivables under securities borrowed transactions                      50,917
                                                                      --------
                                                                       126,399
                                                                      --------
Trading assets, at fair value (includes securities pledged as
collateral of $18,050)
Contractual agreements                                                  40,601
Corporate debt and preferred stock                                      23,892
Mortgages, mortgage-backed, and asset-backed                            20,306
Equities and convertible debentures                                     14,646
Non-U.S. governments and agencies                                       13,708
U.S. Government and agencies                                            10,540
Municipals and money markets                                             4,936
                                                                      --------
                                                                       128,629
                                                                      --------
Investment securities                                                   77,124
                                                                      --------
Securities received as collateral                                        2,794
                                                                      --------
Other receivables
Customers (net of allowance for doubtful accounts of $62)               41,185
Brokers and dealers                                                      9,126
Interest and other                                                       9,248
                                                                      --------
                                                                        59,559
                                                                      --------
Loans, notes, and mortgages (net of allowance for loan losses of        38,485
$297)

Separate accounts assets                                                14,572

Equipment and facilities (net of accumulated depreciation and
amortization of $4,921)                                                  2,650

Goodwill (net of accumulated amortization of $1,005)                     4,570

Other assets                                                             5,035
                                                                      --------
Total Assets                                                          $481,075
                                                                      ========

                  Merrill Lynch & Co., Inc. and Subsidiaries
               Preliminary Unaudited Consolidated Balance Sheet

                                                                      Jun. 27,
(dollars in millions, except per share amount)                            2003
----------------------------------------------                        --------

LIABILITIES

Securities financing transactions
Payables under repurchase agreements                                    92,967
Payables under securities loaned transactions                            9,726
                                                                      --------
                                                                       102,693
                                                                      --------
Commercial paper and other short-term borrowings                         5,517
                                                                      --------
Deposits                                                                80,468
                                                                      --------
Trading liabilities, at fair value
Contractual agreements                                                  44,593
U.S. Government and agencies                                            18,101
Non-U.S. governments and agencies                                       12,099
Corporate debt, municipals and preferred stock                          10,032
Equities and convertible debentures                                      8,536
                                                                      --------
                                                                        93,361
                                                               
Obligation to return securities received as collateral                   2,794
                                                                      --------
Other payables
Customers                                                               34,519
Brokers and dealers                                                     17,439
Interest and other                                                      19,750
                                                                      --------
                                                                        71,708
                                                           
Liabilities of insurance subsidiaries                                    3,459
                                                                      --------
Separate accounts liabilities                                           14,572
                                                                      --------
Long-term borrowings                                                    79,062
                                                                      --------
Total Liabilities                                                      453,634
                                                                      --------
PREFERRED SECURITIES ISSUED BY SUBSIDIARIE                               2,660
                                                                      --------

STOCKHOLDERS' EQUITY

Preferred Stockholders' Equity (42,500 shares issued and outstanding,
liquidation preference $10,000 per share)                                  425
                                                                      --------
Common Stockholders' Equity
Shares exchangeable into common stock                                       46
Common stock, par value $1.33 1/3 per share;
authorized: 3,000,000,000 shares;
issued: 1,047,824,694 shares                                             1,397
Paid-in capital                                                          6,093
Accumulated other comprehensive loss (net of tax)                         -505
Retained earnings                                                       19,464
                                                                      --------
                                                                        26,495
Less: Treasury stock, at cost: 116,923,484 shares                        1,191
Unamortized employee stock grants                                          948
                                                                      --------
Total Common Stockholders' Equity                                       24,356
                                                            
Total Stockholders' Equity                                              24,781
                                                                      --------
Total Liabilities, Preferred Securities Issued by Subsidiaries,
and Stockholders' Equity                                              $481,075
                                                                      ========


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