Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
 Pricing Supplement Number 97 Dated Monday, February 02, 2004
(To: Prospectus Dated August 20, 2002)
 

CUSIP Number

Aggregate Principal Amount

Price to Public

Gross Concession

Net  Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor's Option

Product  Ranking

06050XNX7

$6,163,000.00

100.000%

1.500%

$6,070,555.00

Fixed

4.750%

Monthly

02/15/2014

03/15/2004

$5.28

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 02/15/2006 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 02/15/2006 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, INCAPITAL, LLC   Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Capital Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, UBS Financial Services Inc.
 

CUSIP Number

Aggregate Principal Amount

Price to Public

Gross Concession

Net  Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor's Option

Product  Ranking

06050XNY5

$5,252,000.00

100.000%

2.000%

$5,146,960.00

Fixed

5.250%

Semi-annual

02/15/2019

08/15/2004

$27.71

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 02/15/2007 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 02/15/2007 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, INCAPITAL, LLC   Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc.,
Citigroup Capital Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, UBS Financial Services Inc.
 

CUSIP Number

Aggregate Principal Amount

Price to Public

Gross Concession

Net  Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor's Option

Product  Ranking

06050XNZ2

$4,905,000.00

100.000%

2.500%

$4,782,375.00

Fixed

5.450%

Semi-Annual

02/15/2024

08/15/2004

$28.76

YES

Subordinated Unsecured  Notes

Redemption Information: Callable at 100.000% on 02/15/2008 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 02/15/2008 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, INCAPITAL, LLC   Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Capital Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, Prudential Securities, UBS Financial Services Inc.
 

100 North Tryon Street, NC1-007-06-06Charlotte, NC 28255	Trade Date: Monday, February 02, 2004 @12:00 PM ET  Settlement Date: Thursday, February 05, 2004  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: 0443 via Pershing, 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
Recent Developments  In October 2003, we announced that we entered into a merger agreement with FleetBoston Financial Corporation. The merger is subject to customary closing conditions, including regulatory and shareholder approvals. The merger is expected to close in the second quarter of 2004.