BANK OF AMERICA

Investor Relations

Bank of America Declares Quarterly Dividend

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CHARLOTTE, N.C., Jan. 23 /PRNewswire-FirstCall/ -- The Bank of America Board of Directors today declared a regular quarterly dividend on common stock of $.60 per share, payable on March 22, 2002 to shareholders of record March 1, 2002.

The board also declared a $1.75 regular cash dividend on the 7 percent Cumulative Redeemable Preferred Stock, Series B. The dividend is payable April 25, 2002, to shareholders of record on April 11, 2002.

One of the world's leading financial services companies, Bank of America is committed to making banking work for customers like it never has before. Through innovative technologies and the ingenuity of its people, Bank of America provides individuals, small businesses and commercial, corporate and institutional clients across the United States and around the world new and better ways to manage their financial lives.

Bank of America stock (ticker: BAC) is listed on the New York, Pacific and London stock exchanges. The company's Web site is www.bankofamerica.com. News, speeches and other corporate information may be found at www.bankofamerica.com/newsroom.

SOURCE Bank of America Corporation

CONTACT:          investors, Kevin Stitt, +1-704-386-5667, or Lee McEntire,
                  +1-704-388-6780, or media, Eloise Hale, +1-704-387-0013, or
                  eloise.hale@bankofamerica.com, of Bank of America Corporation

URL:              http://www.bankofamerica.com/newsroom
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