SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported):

October 15, 2002

BANK OF AMERICA CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

(State or other jurisdiction of incorporation or organization)

1-6523

(Commission File Number)

56-0906609

(IRS Employer Identification No.)

100 North Tryon Street

Charlotte, North Carolina

(Address of principal executive offices)

28255

(Zip Code)

(704) 388-6780

(Registrant’s telephone number, including area code)

ITEM 5.    OTHER EVENTS.

On October 15, 2002, Bank of America Corporation (the “Registrant”) announced financial results for the third quarter ended September 30, 2002, reporting net income of $2.24 billion and diluted earnings per common share of $1.45. A copy of the press release announcing the Registrant’s results for the third quarter ended September 30, 2002 is attached hereto as Exhibit 99.1 and incorporated by reference herein.

ITEM 7.    FINANCIAL STATEMENTS AND EXHIBITS.

(c)    Exhibits.

The following exhibits are filed herewith:

EXHIBIT NO.	DESCRIPTION OF EXHIBIT
99.1	Press Release dated October 15, 2002 with respect to the Registrant’s financial results for the third quarter ended September 30, 2002
99.2	Supplemental Information prepared for use on October 15, 2002 in connection with financial results for the third quarter ended September 30, 2002

ITEM 9.    REGULATION FD DISCLOSURE.

On October 15, 2002, the Registrant held an investor conference and webcast to disclose financial results for the third quarter ended September 30, 2002. The Supplemental Information package for use at this conference is furnished herewith as Exhibit 99.2 and incorporated by reference in Item 9. All information in the Supplemental Information is presented as of October 15, 2002, and the Registrant does not assume any obligation to correct or update said information in the future.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

BANK OF AMERICA CORPORATION

By:    /s/ Marc D. Oken                

Marc D. Oken

Executive Vice President and
Principal Financial Executive

Dated: October 15, 2002

EXHIBIT INDEX

EXHIBIT NO.	DESCRIPTION OF EXHIBIT
99.1	Press Release dated October 15, 2002 with respect to the Registrant’s financial results for the third quarter ended September 30, 2002
99.2	Supplemental Information prepared for use on October 15, 2002 in connection with financial results for the third quarter ended September 30, 2002