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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000950109-02-000711.txt : 20020414
<SEC-HEADER>0000950109-02-000711.hdr.sgml : 20020414
ACCESSION NUMBER:		0000950109-02-000711
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20020211

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANK OF AMERICA CORP /DE/
		CENTRAL INDEX KEY:			0000070858
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				560906609
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-83503
		FILM NUMBER:		02534827

	BUSINESS ADDRESS:	
		STREET 1:		NATIONSBANK CORPORATE CENTER
		STREET 2:		100 N TRYON ST
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28255
		BUSINESS PHONE:		8882793457

	MAIL ADDRESS:	
		STREET 1:		NATIONALSBANK CORPORATE CENTER
		STREET 2:		NC1007 19 04
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28255

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NCNB CORP
		DATE OF NAME CHANGE:	19920107

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NATIONSBANK CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANKAMERICA CORP/DE/
		DATE OF NAME CHANGE:	19981022
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>d424b2.txt
<DESCRIPTION>BANK OF AMERICA
<TEXT>
<PAGE>

Pricing Supplement No. 0284 Dated February 1, 2002                Rule 424(b)(2)
(To Prospectus dated August 6, 1999 and                   File number: 333-83503
Prospectus Supplement dated June 5, 2001)

Senior Medium-Term Notes, Series I

Principal Amount:                            $ 30,000,000.00
Issue Price:                  100.000%       $ 30,000,000.00
Commission or Discount:         0.000%       $         00.00
Proceeds to Corporation:      100.000%       $ 30,000,000.00

Agent:                            Banc of America Securities LLC, as Agent

Original Issue Date:              February 22, 2002

Stated Maturity Date:             February 22, 2005

Cusip #:                          06050MBT3

Form:                             Book entry only

Interest Rate:                    4.41%

Interest Payment Dates:           The 22nd of February & August, commencing
                                  August 22, 2002

May the Notes be redeemed by the Corporation prior to maturity?               No

May the Notes be repaid prior to maturity at the option of the holder?        No

Discount Note?                                                                No

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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