POWER OF ATTORNEY

Know all by these presents, that the undersigned hereby constitutes
and appoints each of Roger C. McClary, Jane R. Smith, Linda M.
Sinkevitch and Carol A. Bartos as the undersigned's true and lawful
attorneys-in-fact to:

1. execute for and on behalf of the undersigned, in the
undersigned's capacity as a reporting person pursuant to
Section 16 of the Securities Exchange Act of 1934, as
amended (the "Exchange Act"), and the rules thereunder
of Bank of America Corporation (the "Company"),
Forms 3, 4 and 5 in accordance with Section 16(a) of the
Exchange Act;

2. do and perform any and all acts for and on behalf of the
undersigned which may be necessary or desirable to complete
and execute any such Form 3, 4 or 5 and timely file such form
with the United States Securities and Exchange Commission
and the New York Stock Exchange or similar authority; and

3. take any other action of any type whatsoever in connection
with the foregoing which, in the opinion of any of such
attorneys-in-fact, may be of benefit to, in the best interest
of, or legally required by, the undersigned, it being understood
that the documents executed by any of such attorneys-in-fact
on behalf of the undersigned pursuant to this Power of Attorney
shall be in such form and shall contain such terms and conditions
as any of such attorneys-in-fact may approve in the discretion of
any of such attorneys-in-fact.

The undersigned hereby grants to each such attorney-in-fact full power
and authority to do and perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in the exercise of any of the
rights and powers herein granted, as fully to all intents and purposes as
the undersigned might or could do if personally present, with full power
of substitution or revocation, hereby ratifying and confirming all that
any of such attorneys-in-fact, or the substitute or substitutes of any of
such attorneys in-fact, shall lawfully do or cause to be done by virtue
of this Power of Attorney and the rights and powers herein granted.
The undersigned acknowledges that the foregoing attorneys-in-fact,
in serving in such capacity at the request of the undersigned, are not
assuming, nor is the Company assuming, any of the undersigned's
responsibilities to comply with Section 16 of the Exchange Act.

This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4 and 5 with respect
to the undersigned's holdings of and transactions in securities issued
by the Company, unless earlier revoked by the undersigned in a signed
writing delivered to the foregoing attorneys-in-fact.

IN WITNESS WHEREOF, the undersigned has caused this Power of
Attorney to be executed as of this 31st day of March, 2004.



Signature:  ___/S/ John t. Collins__________

Name:       ______John T. Collins__________
Doc # 436277