Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
 Pricing Supplement Number 64 Dated Monday, December 23, 2002
(To: Prospectus Dated August 20, 2002)
 

CUSIP  Number	Aggregate Principal Amount	Price to Public	Gross Concession	Net  Proceeds	Coupon Rate	CouponFrequency	Maturity Date	1st Coupon Date	1stCoupon Amount	Survivor's Option	Product  Ranking
06050XJV6	$8,239,000.00	100.000%	2.000%	$8,074,220.00	5.600%	Semi-annual	12/15/2017	06/15/2003	$26.13	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 12/15/2005 and every coupon date thereafter.
The Bank of America Internotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring 12/15/2005 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
Joint Lead Managers and Lead Agents: Banc of America Securities LLC and INCAPITAL, LLC.  Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney, UBS PaineWebber
 

CUSIP  Number	Aggregate Principal Amount	Price to Public	Gross Concession	Net Proceeds	Coupon Rate	Coupon Frequency	Maturity Date	1st Coupon Date	1st Coupon Amount	Survivor's Option	Product  Ranking
06050XJW4	$28,123,000.00	100.000%	3.150%	$27,237,125.50	6.000%	Semi-Annual	12/15/2032	06/15/2003	$28.00	YES	Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 12/15/2007 and every coupon date thereafter.
The Bank of America Internotes will be subject to redemption at the option of Bank of America, in whole on the Interest Payment Date occurring 12/15/2007 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the Noteholder and the Trustee, as described in the Prospectus.
Joint Lead Managers and Lead Agents: Banc of America Securities LLC and INCAPITAL, LLC.  Agents:  A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Edward D. Jones & Co, L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, Salomon Smith Barney, UBS PaineWebber
 

Bank of America Corporation
100 North Tryon Street, NC1-007-06-06
Charlotte, NC 28255 Trade Date: Monday, December 23, 2002 @12:00 PM ET 
Settlement Date: Friday, December 27, 2002 
Minimum Denomination/Increments: $1,000.00/$1,000.00 
Moody's Investor Services Rating: Subordinated: Aa3
S&P Ratings Services Rating: Subordinated: A
Initial trades settle flat and clear SDFS: DTC Book Entry only 
DTC number: 0262 via BNY Clearing Services, LLC  If the maturity date or an interest payment date for any note is not a Business Day (as term is defined in Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date. InterNotes(®) is the trade mark of INCAPITAL, LLC. All rights reserved Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus Dated 20-Aug-02