BANK OF AMERICA CORP /DE/ - 424B3

Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement No. 124 - dated Monday, October 25, 2004 (To: Prospectus Dated April 15, 2004)

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

06050XSH7

$17,971,000.00

100.000%

2.000%

$17,611,580.00

FIXED

5.250%

MONTHLY

10/15/2019

11/15/2004

$2.48

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 10/15/2007 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 10/15/2007 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 Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities LLC

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

06050XSJ3

$3,664,000.00

100.000%

2.500%

$3,572,400.00

FIXED

5.350%

QUARTERLY

10/15/2024

01/15/2005

$11.44

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 10/15/2008 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 10/15/2008 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.

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

06050XSK0

$18,970,000.00

100.000%

2.500%

$18,495,750.00

FIXED

5.500%

QUARTERLY

10/15/2029

01/15/2005

$11.76

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 10/15/2009 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 10/15/2009 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.

Bank of America
100 North Tryon Street, NC1-007-07-06
Charlotte NC 28255

Trade Date: Monday, October 25, 2004 @12:00 PM ET
Settlement Date: Thursday, October 28, 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.

Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus Dated 15-Apr-04