Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
 Pricing Supplement No. 185 - dated Monday, September 11, 2006 (To: Prospectus Dated October 29, 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

06050XYE7

[$]

100.000%

2.500%

[$]

FIXED

6.000%

SEMI-ANNUAL

09/15/2026

03/15/2007

$29.00

YES

Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 09/15/2010 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 09/15/2010 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 Securities LLC, 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

06050XYF4

[$]

100.000%

3.150%

[$]

FIXED

6.250%

SEMI-ANNUAL

09/15/2036

03/15/2007

$30.21

YES

Subordinated Unsecured Notes

Redemption Information: Callable at 100.000% on 09/15/2011 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 09/15/2011 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 Securities LLC, Wachovia Securities, LLC

Bank of America
100 North Tryon Street, NC1-007-07-06
Charlotte NC 28255 Offering Dates:  Monday, September 11, 2006 through Monday, September 18, 2006
Trade Date: Monday, September 18, 2006 @12:00 PM ET
Settlement Date: Thursday, September 21, 2006
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 0235 via RBC Dain Rauscher Inc. 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 a registered trademark of Incapital Holdings LLC. All Rights Reserved. Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus dated 29-Oct-04