--------------------------------------------------------------------------------










                                  UNITED STATES
                       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


                                October 15, 2003
                            (Date of report; date of
                            earliest event reported)


                         Commission file number: 1-3754


                      GENERAL MOTORS ACCEPTANCE CORPORATION
             (Exact name of registrant as specified in its charter)


                   Delaware                                38-0572512
        (State or other jurisdiction of                 (I.R.S. Employer
        incorporation or organization)                 Identification No.)


                             200 Renaissance Center
                         P.O. Box 200 Detroit, Michigan
                                   48265-2000
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (313) 556-5000
              (Registrant's telephone number, including area code)









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<page>

Item 12.  Results of Operations and Financial Condition


                    GMAC THIRD QUARTER 2003 EARNINGS SUMMARY

General Motors Acceptance  Corporation (GMAC) recorded its highest third quarter
earnings  ever in the third  quarter of 2003,  in part due to  continued  strong
results at the Mortgage  Group.  Consolidated  net income of $630 million was up
$154 million from the $476 million earned in the same quarter of 2002.

For the quarter,  net income from financing  operations totaled $320 million, up
$17  million  from the $303  million  earned in the  prior  year.  The  increase
reflects lower credit loss  provisions,  which more than offset the  unfavorable
impact of lower net interest margins.

GMAC Insurance  Holdings,  Inc. generated net income of $57 million in the third
quarter of 2003. Earnings were up $37 million from the same period in 2002, when
earnings  were  adversely   affected  by  a  write-down  of  certain  investment
securities.

GMAC Mortgage Group, Inc.  generated  earnings of $253 million,  up $100 million
from a year-ago,  reflecting increased origination and securitization volumes in
both the residential and commercial mortgage sectors.

                                   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 hereunto duly authorized.

                                     GENERAL MOTORS ACCEPTANCE CORPORATION
                                     -------------------------------------
                                     (Registrant)



Dated:        October 15, 2003       /s/  William F. Muir
              ----------------       -------------------------------------
                                     William F. Muir
                                     Executive Vice President,
                                     Chief Financial Officer and Director


Dated:        October 15, 2003       /s/  Linda K. Zukauckas
              ----------------       -------------------------------------
                                     Linda K. Zukauckas
                                     Controller and Principal Accounting Officer
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{"company-data": {"conformed-name": "GENERAL MOTORS ACCEPTANCE CORP", "cik": "0000040729", "assigned-sic": "6172", "irs-number": "380572512", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-03754", "film-number": "03940717"}, "business-address": {"street1": "MAIL CODE: 482-B08-B82", "street2": "200 RENAISSANCE CENTER", "city": "DETROIT", "state": "MI", "zip": "48265", "phone": "3136654353"}}
--------------------------------------------------------------------------------

                                  UNITED STATES
                       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

                                October 15, 2003
                            (Date of report; date of
                            earliest event reported)

                         Commission file number: 1-3754

                      GENERAL MOTORS ACCEPTANCE CORPORATION
             (Exact name of registrant as specified in its charter)

                   Delaware                                38-0572512
        (State or other jurisdiction of                 (I.R.S. Employer
        incorporation or organization)                 Identification No.)

                             200 Renaissance Center
                         P.O. Box 200 Detroit, Michigan
                                   48265-2000
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (313) 556-5000
              (Registrant's telephone number, including area code)

--------------------------------------------------------------------------------
Item 12.  Results of Operations and Financial Condition

                    GMAC THIRD QUARTER 2003 EARNINGS SUMMARY

General Motors Acceptance  Corporation (GMAC) recorded its highest third quarter
earnings  ever in the third  quarter of 2003,  in part due to  continued  strong
results at the Mortgage  Group.  Consolidated  net income of $630 million was up
$154 million from the $476 million earned in the same quarter of 2002.

For the quarter,  net income from financing  operations totaled $320 million, up
$17  million  from the $303  million  earned in the  prior  year.  The  increase
reflects lower credit loss  provisions,  which more than offset the  unfavorable
impact of lower net interest margins.

GMAC Insurance  Holdings,  Inc. generated net income of $57 million in the third
quarter of 2003. Earnings were up $37 million from the same period in 2002, when
earnings  were  adversely   affected  by  a  write-down  of  certain  investment
securities.

GMAC Mortgage Group, Inc.  generated  earnings of $253 million,  up $100 million
from a year-ago,  reflecting increased origination and securitization volumes in
both the residential and commercial mortgage sectors.

                                   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 hereunto duly authorized.

                                     GENERAL MOTORS ACCEPTANCE CORPORATION
                                     -------------------------------------
                                     (Registrant)

Dated:        October 15, 2003       /s/  William F. Muir
              ----------------       -------------------------------------
                                     William F. Muir
                                     Executive Vice President,
                                     Chief Financial Officer and Director

Dated:        October 15, 2003       /s/  Linda K. Zukauckas
              ----------------       -------------------------------------
                                     Linda K. Zukauckas
                                     Controller and Principal Accounting Officer