EXHIBIT 23.(b)

                       CONSENT OF INDEPENDENT ACCOUNTANTS


We  hereby  consent  to the  incorporation  by  reference  in this  Registration
Statement  on Form S-8 of our report  dated  January  16,  2003  relating to the
consolidated  financial statements of FleetBoston Financial  Corporation,  which
appears in its Annual Report on Form 10-K for the year ended December 31, 2002.


/s/  PricewaterhouseCoopers LLP
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Boston, Massachusetts
January 30, 2004