A polymer composition including polymer particles containing a first
polymer and a second polymer is disclosed. The first polymer has a
crosslinked core and has a glass transition temperature in the range of
-30.degree. C. to 100.degree. C. The second polymer containing select
crosslinking groups and has a glass transition temperature in the range
of -10.degree. C. to less than 18.degree. C. A process to prepare the
polymer composition is provided. Also provided are a coated article
containing a coating prepared from the polymer composition and a method
of preparing the coated article. The polymer composition has good low
temperature film formation and provides a film with an acceptable level
of hardness.