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                     U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 3

            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(f) of the Investment Company Act of 1940

(Print or Type Responses)
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1.   Name and Address of Reporting Person*

    Gardner                          Annette                 M.
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   (Last)                            (First)              (Middle)

                             3003 Terramar St. #1701
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                                    (Street)

  Fort Lauderdale                      FL                   33304
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   (City)                            (State)                (Zip)

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

     2/27/02
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3.   IRS Identification Number of Reporting Person, if an Entity (Voluntary)

     
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4.   Issuer Name and Ticker or Trading Symbol

     Cross Country, Inc. (CCRN)
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5.   Relationship of Reporting Person to Issuer
     (Check all applicable)

     [_]  Director                             [_]  10% Owner
     [x]  Officer (give title below)           [_]  Other (specify below)

     President, Cross Country Local
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6.   If Amendment, Date of Original (Month/Day/Year)


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7. Individual or Joint/Group Filing (Check applicable line)

     [x]  Form Filed by One Reporting Person

     [_]  Form Filed by More than One Reporting Person

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             Table I -- Non-Derivative Securities Beneficially Owned
================================================================================

<TABLE>
<CAPTION>
                                                                 3. Ownership Form:
                                      2. Amount of Securities       Direct (D) or  
1. Title of Security                     Beneficially Owned         Indirect (I)       4. Nature of Indirect Beneficial Ownership
   (Instr. 4)                            (Instr. 4)                 (Instr. 5)            (Instr. 4)                              
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   <S>                                   <C>                         <C>                  <C>

Common Stock                             4,000                       D
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</TABLE>


*    If the Form is filed by more than one  Reporting  Person,  see  Instruction
     5(b)(v).

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

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.

                                                                          (Over)

                                                                  SEC 1473(3-99)


<PAGE>


FORM 3 (continued)

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

================================================================================

<TABLE>
<CAPTION>
                                                                                                        5. Owner-
                                                    3. Title and Amount of Securities                      ship
                                                       Underlying Derivative Security                      Form of
                         2. Date Exercisable           (Instr. 4)                                          Derivative
                            and Expiration Date     ---------------------------------    4. Conver-        Security:
                            (Month/Day/Year)                               Amount           sion or        Direct      6. Nature of
                         ----------------------                            or               Exercise       (D) or         Indirect
                         Date       Expira-                                Number           Price of       Indirect       Beneficial
1. Title of Derivative   Exer-      tion                                   of               Derivative     (I)            Ownership
   Security (Instr. 4)   cisable    Date            Title                  Shares           Security       (Instr. 5)     (Instr. 5)
------------------------------------------------------------------------------------------------------------------------------------
<S>                      <C>        <C>             <C>                    <C>           <C>            <C>            <C>

Employee Stock Option    (1)        10/01/10         Common Stock           75,418            (2)              D
(right to buy)
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</TABLE>

Explanation of Responses:

(1) The option is subject to the vesting  schedule  set forth in the Amended and
Restated  Cross  Country,   Inc.  Equity   Participation  Plan.  The  option  is
exercisable  as to  28,282  shares  as of  April 1,  2002.  The  option  will be
exercisable as to 37,709 shares as of October 1, 2002, 47,136 shares as of April
1, 2003,  56,563 shares as of October 1, 2003, 65,991 shares as of April 1, 2004
and 75,418 shares will be exercisable as of October 1, 2004.

(2)  Pursuant  to  the  Amended  and  Restated   Cross  Country,   Inc.   Equity
Participation  Plan,  the first tranche of 13,496 shares will be  exercisable at
$10.78 per share,  the second  tranche of 25,404 shares will be  exercisable  at
$16.17 per share,  the third  tranche of 25,404  shares will be  exercisable  at
$21.56 per share,  the fourth  tranche of 5,557  shares will be  exercisable  at
$26.96 per share and the remaining tranche of 5,557 shares wil be exercisable at
$32.35 per share.

Annette Gardner

     /s/ Annette Gardner                                      March 5, 2002
---------------------------------------------            -----------------------
      **Signature of Reporting Person                             Date

**   Intentional misstatements or omissions of facts constitute Federal Criminal
     Violations.

     See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note:  File three copies of this Form, one of which must be manually signed.
       If space provided 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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