-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NbbR8Ga7cbK3s4BkiOMS6UTyLzvXf00DJijhMGRA9gA0yY85eTHjPM8yAnWHRGbH
 p4YyJHTlOWrAZB78UqDdaw==

<SEC-DOCUMENT>0000070858-03-000369.txt : 20030821
<SEC-HEADER>0000070858-03-000369.hdr.sgml : 20030821
<ACCEPTANCE-DATETIME>20030821154617
ACCESSION NUMBER:		0000070858-03-000369
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030820
FILED AS OF DATE:		20030821

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HANCE JAMES H JR
		CENTRAL INDEX KEY:			0001176400

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-06523
		FILM NUMBER:		03860214

	MAIL ADDRESS:	
		STREET 1:		C/O BANK OF AMERICA
		STREET 2:		100 N. TRYON STREET
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28255

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF AMERICA CORP /DE/
		CENTRAL INDEX KEY:			0000070858
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				560906609
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		BANK OF AMERICA CORPORATE CENTER
		STREET 2:		100 N TRYON ST
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28255
		BUSINESS PHONE:		7043868486

	MAIL ADDRESS:	
		STREET 1:		BANK OF AMERICA CORPORATE CENTER
		STREET 2:		100 N TRYON ST
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28255

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANKAMERICA CORP/DE/
		DATE OF NAME CHANGE:	19981022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NATIONSBANK CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NCNB CORP
		DATE OF NAME CHANGE:	19920107
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
    <periodOfReport>2003-08-20</periodOfReport>
    <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000070858</issuerCik>
        <issuerName>BANK OF AMERICA CORP /DE/</issuerName>
        <issuerTradingSymbol>BAC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001176400</rptOwnerCik>
            <rptOwnerName>HANCE JAMES H JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O BANK OF AMERICA</rptOwnerStreet1>
            <rptOwnerStreet2>100 N. TRYON STREET</rptOwnerStreet2>
            <rptOwnerCity>CHARLOTTE</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>28255</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice Chairman and CFO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>
  <nonDerivativeTable>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>M</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
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      <transactionTimeliness>
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      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
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          </transactionShares>
          <transactionPricePerShare>
              <value>26.8125</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>A</value>
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      <postTransactionAmounts>
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          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
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      <transactionDate>
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      <transactionAmounts>
          <transactionShares>
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          </transactionShares>
          <transactionPricePerShare>
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          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
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      </transactionAmounts>
      <postTransactionAmounts>
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      </postTransactionAmounts>
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   <nonDerivativeTransaction>
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      <transactionDate>
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      <transactionAmounts>
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          <transactionPricePerShare>
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          <transactionAcquiredDisposedCode>
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      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
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          </sharesOwnedFollowingTransaction>
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      <ownershipNature>
          <directOrIndirectOwnership>
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   <nonDerivativeTransaction>
      <securityTitle>
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      <transactionDate>
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      <transactionTimeliness>
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      <transactionAmounts>
          <transactionShares>
              <value>400.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>81.28</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
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      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>319284.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
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   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
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      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>200.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>81.29</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>319084.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
      </transactionCoding>
      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>700.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>81.30</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>318384.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
      </transactionCoding>
      <transactionTimeliness>
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      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>19184.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>81.31</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>299200.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
      </transactionCoding>
      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>200.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>81.32</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>299000.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
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   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
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      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
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      <transactionTimeliness>
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      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
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          </transactionShares>
          <transactionPricePerShare>
              <value>81.33</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>298258.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
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          </directOrIndirectOwnership>
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   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <transactionDate>
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      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
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      <transactionTimeliness>
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      <transactionAmounts>
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          </transactionShares>
          <transactionPricePerShare>
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          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
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          </transactionAcquiredDisposedCode>
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          <sharesOwnedFollowingTransaction>
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          <transactionPricePerShare>
              <value>81.39</value>
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          <transactionAcquiredDisposedCode>
              <value>D</value>
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          <directOrIndirectOwnership>
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          </directOrIndirectOwnership>
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   </nonDerivativeTransaction>
   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
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      <transactionDate>
          <value>2003-08-20</value>
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          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
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      <transactionTimeliness>
      <value />
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      <transactionAmounts>
          <transactionShares>
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          </transactionShares>
          <transactionPricePerShare>
              <value>81.53</value>
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          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
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          <sharesOwnedFollowingTransaction>
              <value>287516.00</value>
          </sharesOwnedFollowingTransaction>
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          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
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   <nonDerivativeTransaction>
      <securityTitle>
          <value>Common Stock</value>
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      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
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          <transactionFormType>4</transactionFormType>
          <transactionCode>S</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
              <footnoteId id="F1" />
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      <transactionTimeliness>
      <value />
      </transactionTimeliness>
      <transactionAmounts>
          <transactionShares>
              <value>3548.00</value>
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          <transactionPricePerShare>
              <value>81.57</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
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      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>283968.00</value>
          </sharesOwnedFollowingTransaction>
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      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
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   </nonDerivativeTransaction>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>495.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>By Child Blair</value>
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>495.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>By Child Meredith</value>
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>6000.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>By Spouse Beverly</value>
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
    <nonDerivativeHolding>
      <securityTitle>
          <value>Common Stock</value>
      </securityTitle>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>4852.13</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>I</value>
          </directOrIndirectOwnership>
          <natureOfOwnership>
              <value>Thrift Trust</value>
          </natureOfOwnership>
      </ownershipNature>
   </nonDerivativeHolding>
  </nonDerivativeTable>
  <derivativeTable>
   <derivativeTransaction>
      <securityTitle>
          <value>Option, Right to Buy</value>
      </securityTitle>
      <conversionOrExercisePrice>
          <value>26.81</value>
      </conversionOrExercisePrice>
      <transactionDate>
          <value>2003-08-20</value>
      </transactionDate>
      <transactionCoding>
          <transactionFormType>4</transactionFormType>
          <transactionCode>M</transactionCode>
          <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
          <transactionShares>
              <value>50000.00</value>
          </transactionShares>
          <transactionPricePerShare>
              <value>26.8125</value>
          </transactionPricePerShare>
          <transactionAcquiredDisposedCode>
              <value>D</value>
          </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <exerciseDate>
              <footnoteId id="F2" />
      </exerciseDate>
      <expirationDate>
          <value>2005-07-01</value>
      </expirationDate>
      <underlyingSecurity>
          <underlyingSecurityTitle>
              <value>Common Stock</value>
          </underlyingSecurityTitle>
          <underlyingSecurityShares>
              <value>50000.00</value>
          </underlyingSecurityShares>
      </underlyingSecurity>
      <postTransactionAmounts>
          <sharesOwnedFollowingTransaction>
              <value>350000.00</value>
          </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
          <directOrIndirectOwnership>
              <value>D</value>
          </directOrIndirectOwnership>
      </ownershipNature>
   </derivativeTransaction>
  </derivativeTable>
<footnotes>
   <footnote id="F1">Option exercise and sale of shares in accordance with a written plan established July 15, 2003 pursuant to the requirements of Ru
le 10b5-1 under the Securities and Exchange Act of 1934, as amended.</footnote>
   <footnote id="F2">The option vested in three equal installments commencing July 1, 1996.</footnote>
</footnotes>
    <ownerSignature>
       <signatureName>James H. Hance, Jr.</signatureName>
       <signatureDate>2003-08-21</signatureDate>
    </ownerSignature>
</ownershipDocument>

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----