BANK OF AMERICA

Investor Relations

Bank of America Declares Quarterly Dividend

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CHARLOTTE, N.C., Oct. 22 /PRNewswire/ -- The Bank of America (NYSE: BAC) Board of Directors today declared a regular quarterly dividend on common stock of $.80 per share, payable on December 26, 2003, to shareholders of record on December 5, 2003.

The board also declared a $1.75 regular cash dividend on the 7 percent Cumulative Redeemable Preferred Stock, Series B. The dividend is payable January 23, 2004, to shareholders of record on January 9, 2004.

One of the world's leading financial services companies, Bank of America is committed to making banking work for customers and clients like it never has before. 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.

Shares of Bank of America (ticker: BAC), the second largest banking company in the United States by market capitalization, are 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 can be found at www.bankofamerica.com/newsroom.

SOURCE Bank of America Corporation
-0- 10/22/2003
/CONTACT: Investors, Kevin Stitt, +1-704-386-5667, or Lee McEntire, +1-704-388-6780, or Media, Eloise Hale, +1-704-387-0013, all of Bank of America Corporation/
/Web site: http://www.bankofamerica.com/newsroom /
/Web site: http://www.bankofamerica.com /
(BAC)