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

                                  FORM 11-K

                                ANNUAL REPORT
                       PURSUANT TO SECTION 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934


                                  (Mark One)

 [X]  ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
      OF 1934 [NO FEE REQUIRED EFFECTIVE OCTOBER 7, 1996].

                 For the fiscal year ended December 31, 2001

                                      OR

 [ ]  TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
      ACT OF 1934 [NO FEE REQUIRED].

          For the transition period from ____________ to

                       Commission File Number: 0-14112

      A.   Full title of the plan and the address of the plan, if different
           from that of the issuer named below:

 Jack Henry & Associates, Inc. 401(k) Employee Stock Ownership Plan and Trust

      B.   Name of issuer of the securities held pursuant to the plan and the
           address of its principal executive office:

                        Jack Henry & Associates, Inc.
                                663 Highway 60
                                 P.O. Box 807
                            Monett, Missouri 65708


<PAGE>

                             REQUIRED INFORMATION

      The following financial statements and schedules have been prepared
 in accordance with the financial reporting requirements of the Employee
 Retirement Income Security Act of 1974, as amended:

      1.   Statement of Net Assets Available for Plan Benefits as of December
           31, 2001, and 2000.

      2.   Statement of Changes in Net Assets Available for Plan Benefits for
           the Years Ended December 31, 2001 and 2000.


 EXHIBIT

   23.  Independent Auditors' Consent



                                  SIGNATURES

 Pursuant to the requirements of the Securities Exchange Act of 1934, the
 trustees (or other persons who administer the employee benefit plan) have
 duly caused this annual report to be signed on its behalf by the undersigned
 hereunto duly authorized.

                        JACK HENRY & ASSOCIATES, INC.
                401(K) EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST


                               By: /s/ Kevin D. Williams
                                  ------------------------------------------
                                  Kevin D. Williams, Chief Financial Officer

 Date: June 28, 2002


<PAGE>

                        JACK HENRY & ASSOCIATES, INC.
                        401(k) EMPLOYEE
                        STOCK OWNERSHIP PLAN


                        Financial Statements for the
                        Years Ended December 31, 2001 and 2000 and
                        Supplemental Schedule as of
                        December 31, 2001 and
                        Independent Auditors' Report


<PAGE>


 JACK HENRY & ASSOCIATES, INC.
 401(k) EMPLOYEE STOCK OWNERSHIP PLAN


 TABLE OF CONTENTS
 ----------------------------------------------------------------------------

                                                                    Page

 INDEPENDENT AUDITORS' REPORT                                         1

 FINANCIAL STATEMENTS:

   Statements of Net Assets Available for Plan Benefits
     at December 31, 2001 and 2000                                    2

   Statements of Changes in Net Assets Available for Plan
     Benefits for the Years Ended December 31, 2001 and 2000          3

   Notes to Financial Statements                                     4-6

 SUPPLEMENTAL SCHEDULE:

   Form 5500, Schedule H, Part IV, Line 4i - Schedule of
     Assets Held for Investment Purposes at December 31, 2001         7


 Other supplemental schedules not listed are omitted due to
 the absence of conditions under which they are required.

<PAGE>


 INDEPENDENT AUDITORS' REPORT


 To the Board of Trustees of
   Jack Henry & Associates, Inc.
   401(k) Employee Stock Ownership Plan:

 We have  audited the  accompanying statements  of net  assets available  for
 benefits of Jack Henry  & Associates, Inc.  401(k) Employee Stock  Ownership
 Plan (the  "Plan")  as  of  December  31, 2001  and  2000  and  the  related
 statements of changes  in net assets  available for benefits  for the  years
 then ended.  These financial statements are the responsibility of the Plan's
 management.  Our responsibility is to express an opinion on these  financial
 statements based on our audits.

 We conducted  our audits  in accordance  with auditing  standards  generally
 accepted in the United States of  America.  Those standards require that  we
 plan and perform the audit to obtain reasonable assurance about whether  the
 financial statements are free of material  misstatement.  An audit  includes
 examining, on a test basis, evidence supporting the amounts and  disclosures
 in  the  financial  statements.    An  audit  also  includes  assessing  the
 accounting principles used and significant estimates made by management,  as
 well as evaluating the overall financial statement presentation.  We believe
 that our audits provide a reasonable basis for our opinion.

 In our opinion,  the financial statements  present fairly,  in all  material
 respects, the net assets available for benefits of Jack Henry &  Associates,
 Inc. 401(k) Employee Stock Ownership Plan as of December 31, 2001 and  2000,
 and the changes in its net assets available for benefits for the years  then
 ended in conformity  with accounting  principles generally  accepted in  the
 United States of America.

 Our audits were conducted for the purpose of forming an opinion on the basic
 financial  statements  taken  as  a whole.   The  supplemental  schedule  is
 presented for the purpose of additional analysis and is not a required  part
 of the basic financial statements but is supplementary information  required
 by the  Department  of  Labor's Rules  and  Regulations  for  Reporting  and
 Disclosure under the Employee Retirement Income  Security Act of  1974.  The
 supplemental schedule is the responsibility of  the Plan's management.   The
 supplemental schedule has been subjected to the auditing procedures  applied
 in our audit of the basic 2001 financial statements and, in our opinion,  is
 fairly stated in all  material respects in relation  to the basic  financial
 statements taken as a whole.

 /s/ DELOITTE & TOUCHE LLP

 St. Louis, Missouri

 June 17, 2002


<PAGE>

 JACK HENRY & ASSOCIATES, INC.
 401(k) EMPLOYEE STOCK OWNERSHIP PLAN

 STATEMENTS OF NET ASSETS AVAILABLE FOR PLAN BENEFITS
 DECEMBER 31, 2001 AND 2000
 ----------------------------------------------------------------------------

                                                        2001         2000

 ASSETS:
   Investments:
     Money market funds                            $    884,175  $    432,352
     Investments at fair value (Note 2)              64,834,856    80,666,041
                                                    -----------   -----------
            Total investments                        65,719,031    81,098,393

   Employer contributions receivable                  1,835,907     1,391,774
                                                    -----------   -----------
 NET ASSETS AVAILABLE FOR PLAN BENEFITS            $ 67,554,938  $ 82,490,167
                                                    ===========   ===========

 See notes to financial statements.


<PAGE>

 JACK HENRY & ASSOCIATES, INC.
 401(k) EMPLOYEE STOCK OWNERSHIP PLAN

 STATEMENTS OF CHANGES IN NET ASSETS AVAILABLE FOR PLAN BENEFITS
 YEARS ENDED DECEMBER 31, 2001 AND 2000
 ----------------------------------------------------------------------------

                                                        2001          2000

 NET ASSETS AVAILABLE FOR PLAN BENEFITS,
   BEGINNING OF YEAR                               $ 82,490,167  $ 46,117,860
                                                    -----------   -----------
 ADDITIONS:
   Employer contributions                             3,576,961     2,711,480
   Participant contributions                          6,119,521     4,515,166
   Rollover accounts for new employees                1,680,943     1,415,906
   Interest and dividends                               251,616       192,316
   Loan interest                                         33,299        23,286
   Net appreciation in fair value of investments              -    28,500,010
                                                    -----------   -----------
            Total additions                          11,662,340    37,358,164

 DEDUCTIONS:
   Net depreciation in fair value of investments     21,965,156             -
   Distributions to participants                      4,592,426       971,695
   Administrative expenses                               39,987        14,162
                                                    -----------   -----------
            Total deductions                         26,597,569       985,857
                                                    -----------   -----------
 NET (DEDUCTIONS) ADDITIONS                         (14,935,229)   36,372,307
                                                    -----------   -----------
 NET ASSETS AVAILABLE FOR PLAN BENEFITS,
   END OF YEAR                                     $ 67,554,938  $ 82,490,167
                                                    ===========   ===========

 See notes to financial statements.


<PAGE>

 JACK HENRY & ASSOCIATES, INC.
 401(k) EMPLOYEE STOCK OWNERSHIP PLAN


 NOTES TO FINANCIAL STATEMENTS
 YEARS ENDED DECEMBER 31, 2001 AND 2000
 ----------------------------------------------------------------------------

 1. DESCRIPTION OF PLAN AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

    The  following  description of  Jack  Henry  &  Associates,  Inc.  401(k)
    Employee  Stock  Ownership  Plan  (the  "Plan")  provides  only   general
    information.  Participants should refer to the Plan Agreement for a  more
    complete description of the Plan's provisions.

    General - The  Plan is a defined  contribution, 401(k) plan covering  all
    full-time employees of  Jack Henry & Associates,  Inc. (the "Company"  or
    "JKHY") who have at  least six months (one year  in 1998) of service  and
    have attained the age of 21.   The Company is the Plan Administrator  and
    has appointed a trustee to hold and  invest Plan assets.  In April  2002,
    the  Company's  Board  of  Directors  appointed  Diversified   Investment
    Advisors as the Plan administrator  and Investor's Bank and Trust as  the
    Plan  trustee effective  July  1, 2002.    The  Plan is  subject  to  the
    Employee Retirement Income Security Act of 1974 ("ERISA"), as amended.

    Contributions -  Participants may  contribute up  to fifteen  percent  of
    pretax  annual compensation,  as  defined in  the  Plan, to  the  maximum
    contribution  allowable under  section  401(k) of  the  Internal  Revenue
    Code.  The  Company matches 100 percent  of participant contributions  up
    to a  maximum match  of the  lessor  of 5%  of the  participant's  annual
    compensation or $5,000.

    In addition, the Company  may make a special discretionary  contribution.
    The  amount  of the  discretionary  contribution  is  determined  by  the
    Company.  Participants must be actively  employed on the last day of  the
    Plan year to share in any discretionary contributions.

    Vesting  -  Participants  are  immediately  vested  in  their   voluntary
    contributions, the employer's matching  contribution and the earnings  on
    these contributions.   Vesting in  the employer's discretionary  portions
    of  their accounts  is  based on  years  of continuous  service  with  an
    employee becoming fully vested after six years of continuous service.

    Benefits - Upon termination of service, an employee may elect to  receive
    a lump-sum amount equal to the value of his or her account at either  the
    time of  termination or at  the end of  the Plan year.   An employee  may
    also elect  to receive the  value of his  or her  account in  installment
    payments or have  the balance rolled over  into an Individual  Retirement
    Account.

    Participant Loans  - Participants may  borrow for  qualifying reasons  as
    defined in the Plan, from their fund accounts up to a maximum of  $50,000
    or 50% of their  vested account balances.  Loan  terms range from one  to
    fifteen years  for a  mutually agreed  term between  the participant  and
    Plan  administrator.   The  loans  are secured  by  the  balance  in  the
    participant's account  and  bear interest  at  a rate  commensurate  with
    local prevailing rates (ranging from 7.0% to 11.5%, as determined by  the
    Plan administrator.   Principal  and interest  are paid  through  payroll
    deductions.

    Benefits Payable - Benefits are recorded  when paid.  As of December  31,
    2001 and  2000, distributions payable  to Plan  participants amounted  to
    $41,561 and $5,908, respectively.

    Basis of Accounting - The financial statements of the Plan  are  prepared
    on the accrual basis.

    Investment  Valuation -  Valuation  occurs monthly  by  determining  each
    investment's  fair  value on  the  valuation  date,  which  is  the  last
    business day  of each  calendar month.   Fair value  is determined  using
    public market quotations if  available.  Non-publicly traded  investments
    (Diversified Investment Advisors -  Fixed Fund) have been reported  based
    on values provided by the  Plan trustee.  Participant loans are  reported
    at cost, which approximates fair value.

    Basis of  Allocation - Investment  income and gain  or loss  of the  fund
    assets are  allocated  to the  participants  based on  the  participant's
    account balance in each fund.  Forfeitures are allocated to  participants
    based on  participant's  account balance  in  relation to  total  account
    balances of all Plan participants.  Discretionary contributions, if  any,
    are allocated based on eligible compensation.

    Use of Estimates - The preparation of financial statements in  conformity
    with accounting  principles generally accepted  in the  United States  of
    America  requires  management to  make  estimates  and  assumptions  that
    affect the reported amounts  of assets and liabilities and disclosure  of
    contingent  assets  and  liabilities   at  the  date  of  the   financial
    statements and the  reported amounts of  additions and deductions  during
    the reporting period.  Actual results could differ from those estimates.

 2. INVESTMENTS

    The Plan's  deposits are maintained  in money market  accounts until  the
    deposits are allocated  to the participant  self-directed funds based  on
    the participant's  percentage allocation election.   The participant  can
    elect direction of investments upon entering the Plan and may change  the
    direction  of investment  options  on a  daily  basis.   Unless  directed
    otherwise   by  participants,   employer   matching   and   discretionary
    contributions  will  be  allocated   in  the  same  manner  as   employee
    contributions.

    The components of the Plan's individual investments which represent  five
    percent or  more  of the  Plan's net  assets  available for  benefits  at
    December 31, 2001 and 2000 are as follows:


                                                            Fair Value
                                                     ------------------------
                                                       2001          2000

    Common stock - Jack Henry & Associates, Inc.    $39,650,301   $57,168,546
    Diversified Investment Advisors - Balanced Fund   7,659,467     8,817,865
    Janus Equity Fund                                 8,645,657    10,386,435
    Diversified Investment Advisors - Fixed Fund      5,742,770     3,998,276


<PAGE>

    During 2001 and 2000, the Plan's investments (including gains and  losses
    on  investments  bought,  sold,   as  well  as  held  during  the   year)
    appreciated (depreciated), as follows:

                                                         For the Year Ended
                                                      ------------------------
                                                         2001          2000

 Common stock - Jack Henry & Associates, Inc.        $(17,227,599) $31,812,638
 Diversified Investment Advisors - Balanced Fund       (2,054,000)  (1,808,072)
 Janus Equity Fund                                     (2,966,883)  (1,724,123)
 Diversified Investment Advisors - Fixed Fund             263,937      219,567
 Diversified Investment Advisors - Core Bond               (7,935)
 Diversified Investment Advisors - Value & Income          23,330
 Diversified Investment Advisors - Special Equity           5,730
 Diversified Investment Advisors - International
                                   Equity                     475
 Diversified Investment Advisors - Short Horizon           (1,724)
 Diversified Investment Advisors - Short/Intermediate
                                   Horizon                   (520)
 Diversified Investment Advisors - Intermediate
                                   Horizon                   (144)
 Diversified Investment Advisors - Intermediate/Long
                                   Horizon                   (889)
 Diversified Investment Advisors - Long Horizon             1,066
                                                      -----------   ----------
                                                     $(21,965,156) $28,500,010
                                                      ===========   ==========


 3. TRANSACTIONS WITH PARTIES-IN-INTEREST

    During  2001 and  2000,  the  Plan received  approximately  $229,499  and
    $179,693, respectively, in dividends from the Company.  In addition,  the
    Company pays certain fees on behalf of the Plan for accounting services.

 4. PLAN TERMINATION

    Although it has not expressed an intention to do so, the Company has  the
    right under the Plan to discontinue its contributions at any time and  to
    terminate the Plan, subject to the provisions of ERISA.  In the event  of
    plan termination, employees become 100 percent vested in their accounts.

 5. TAX STATUS

    The Internal Revenue Service has determined and informed the Company by a
    letter dated September 10, 1996, that the Plan  is designed in accordance
    with applicable sections  of the Internal  Revenue Code (IRC).   Although
    the Plan has since been amended and certain  corrective actions have been
    taken, the Company believes  that the Plan  is designed and  is currently
    being operated in compliance with the applicable requirements of the IRC.

                               *  *  *  *  *  *

<PAGE>

 JACK HENRY & ASSOCIATES, INC.
 401(k) EMPLOYEE STOCK OWNERSHIP PLAN


 FORM 5500, SCHEDULE H, PART IV, LINE 4i -
 SCHEDULE OF ASSETS HELD FOR INVESTMENT PURPOSES
 DECEMBER 31, 2001
 -----------------------------------------------------------------------------

 Description of Investment                                          Fair Value

   Money Market Funds                                                  884,175

 *Common stock - Jack Henry & Associates, Inc. (1,813,298 share)   $39,650,301

   Janus Equity Fund (352,029 units)                                 8,645,657

   Diversified Investment Advisors - Balanced Fund (411,866 units)   7,659,467

   Diversified Investment Advisors - Fixed Fund (341,508 units)      5,742,770

   Diversified Investment Advisors - Value & Income (34,112 units)     745,491

   Diversified Investment Advisors - Core Bond (38,480 units)          483,674

   Diversified Investment Advisors - Long Horizon (38,202 units)       359,858

   Diversified Investment Advisors - Short Horizon (30,339 units)      328,882

   Diversified Investment Advisors - Intermediate/Long Horizon
                                     (19,432 units)                    214,116

   Diversified Investment Advisors - Special Equity (8,188 units)      179,294

   Diversified Investment Advisors - Intermediate Horizon
                                     (11,952 units)                    131,127

   Diversified Investment Advisors - International Equity
                                     (10,477 units)                    130,396

   Diversified Investment Advisors - Short/Intermediate
                                     (12,377 units)                    126,603

 *Notes receivable from participants (interest rates ranging
   from 7% to 11.5%; maturity dates from 2002 to 2011)                 437,220
                                                                    ----------
 TOTAL                                                             $65,719,031
                                                                    ==========

   *  Represents a party-in-interest to the Plan.


